vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: OR

Complaint narrative:
On XX/XX/year>, I submitted a full payoff payment of {$12000.00} to Upgrade Personal Loans to satisfy my loan account in full. On the same date, I cancelled my scheduled monthly automatic payment for XX/XX/year> through Upgrade 's platform. Despite my payoff payment showing as processed on Upgrade 's end, Upgrade has failed to communicate the loan payoff to my bank and states this will take over 10 business days. This delay is preventing me from confirming my account is closed and my loan is satisfied. Additionally, despite my cancellation on XX/XX/XXXX, Upgrade withdrew my regular monthly payment of {$760.00} via ACH debit after the cancellation was submitted. When I contacted Upgrade about this unauthorized withdrawal, I was told it was not their problem. I am now being told the refund for this overpayment will take an additional 10 business days to process. Upgrade has the technical capability to pull funds from my bank account instantly via ACH, yet claims it can not process refunds or payoff confirmations in a timely manner. This asymmetry is causing me significant financial hardship. I am requesting : Immediate payoff confirmation communicated to my bank Expedited return of the {$760.00} unauthorized payment Written confirmation that my account is paid in full and closed Investigation into Upgrade 's ACH and refund processing practices

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
In XXXX and XX/XX/year>, I experienced unauthorized activity on my Chime account, including fraudulent XXXX transactions ( which I am actively still disputing ) followed by a sophisticated impersonation/phishing scam. During the active fraud event, I was contacted by individuals posing as Chime fraud support who claimed they were assisting me in securing my account and preventing additional unauthorized transfers. The communications appeared highly credible because they were connected to the same legitimate Chime SMS thread used for real account alerts and verification messages. I reasonably believed I was communicating with Chime representatives. The individuals instructed me to provide verification codes and complete actions they claimed were necessary to secure my account and stop unauthorized access. As a result, funds totaling approximately {$1400.00} were transferred from my account to another Chime account under fraudulent pretenses. I immediately reported the incident to Chime and disputed the transactions. I explained that I was the victim of impersonation and social engineering fraud during an active unauthorized transaction event. Despite this, Chime denied my disputes twice. I am requesting a reinvestigation of this matter, including review of the receiving Chime account, related device/IP activity, account access logs, and the spoofed communications that contributed to the fraud. I am also requesting written clarification regarding the basis for the denials and whether the investigation considered the surrounding unauthorized activity and impersonation fraud circumstances. I am additionally aware of recent public reports and litigation alleging cybersecurity/security incidents involving Chime customer data, which raises concerns about whether customer information may have been compromised and used to facilitate this impersonation scam. Below I have attached screenshots of my pending XXXX transactions, my XXXX denied disputes for the phishing scam, the text message used to begin the scam ( which I believed because of the aforementioned XXXX charges ), and a screenshot of the text chain the scammers used to gain access to my account ( and you can see this is the same text chain that chime uses to notify me of denied charges, thus adding to the credibility that I was talking to an actual chime representative )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against Santander XXXX USA due to repeated administrative errors, unprofessional conduct by their representatives, and their ongoing failure to provide accurate documentation necessary to settle a vehicle loan. Background On XX/XX/XXXX, I co-signed for a XXXX XXXX XXXX XXXX. Following a legal incident involving the primary borrower, the vehicle was abandoned. In an effort to act in good faith, protect my credit, and settle the debt, I have been working to facilitate a buy-back agreement with XXXX XXXX XXXX XXXX, NJ. This requires a corrected title or an authorization letter from the lienholder to remove the primary borrower from the registration so the sale can be finalized. Timeline of Mismanagement Over the past two weeks, I have attempted to resolve this through Santanders title department, only to face a pattern of evasion and incompetence : Initial Error : After discussing the situation with a Titles Manager, Santander agreed to issue a letter authorizing the removal of the primary borrower. Instead, the bank sent a letter erroneously authorizing the removal of my name, which would effectively prevent me from settling the account. XX/XX/XXXX : I contacted Santander to correct this error. I was assured by a representative that the mistake was rectified and the correct documentation would be dispatched. XX/XX/XXXX ( XXXX, ID # XXXX ) : I called to verify the status. The representative was intentionally difficult, provided conflicting information, and ultimately disconnected the call. XX/XX/XXXX ( XXXX, ID # XXXX ) : Upon calling back, I was told the process would take an additional 710 business days. Requested Resolution The banks inability to provide accurate paperwork and their representatives ' habit of disconnecting calls is preventing me from satisfying the lien and is putting my credit at unnecessary risk. I am being given a " runaround '' that is stalling a time-sensitive dealership transaction. I am requesting that Santander XXXX USA : Immediately expedite the correct authorization letter to allow for the title update at the New Jersey XXXX. Provide a direct point of contact in the Titles Department to ensure no further clerical errors occur. Ensure no negative reporting occurs on my credit profile while this delay, caused entirely by Santanders administrative errors, is being resolved. I look forward to your assistance in holding Santander XXXX USA accountable for these servicing failures. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: TN

Complaint narrative:
I called to close my card and was able to successfully do so. I specifically asked if the monthly fee could still be charged and I was told no. The very next day they charged the fee anyway. I tried contacting them again and I was told they would not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
I am filing a complaint regarding inaccurate and unfair delinquency reporting associated with my Apple Card account through Goldman Sachs Bank USA. Beginning in XX/XX/year>, my Apple Card account became restricted/locked and remained under review for an extended period of time. During this period, I repeatedly contacted Apple Card/Goldman Sachs through chat and phone attempting to regain access to the account and make payments. I have extensive documentation showing : * repeated attempts to resolve the restriction, * repeated transfers between departments without resolution, * acknowledgements from representatives that the account was restricted and under review, * and acknowledgements from representatives that I was unable to make payments because the account was locked. Despite my repeated efforts, the account became delinquent and was reported with 30-, 60-, and 90-day late payments to the credit bureaus. The account was also sent to collections while I was actively attempting to resolve the restriction issue. One representative specifically acknowledged in writing that : your account was locked and you were not able to make those payments and I will document that on your account. I am requesting : * removal of the inaccurate late payment reporting for XXXX, XXXX, and XX/XX/year>, * correction of derogatory reporting associated with this account, * review of the account handling process, * and removal of any negative reporting directly tied to the account restriction issue. I am attaching supporting documentation demonstrating my repeated efforts to resolve the issue while the account remained restricted. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: TX

Complaint narrative:
I received a refund for {$50.00} from XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. Its now XX/XX/XXXX and the pending transaction has sat in pending for going on 30 days now. This is a cashapp card! I have contacted them several times. And no help from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I filed a dispute with Chase Bank on XX/XX/year>, regarding an illegal towing charge of {$320.00} from XXXX XXXX XXXX XXXX XXXX ( transaction date XX/XX/year> ). The tow was illegal under Texas Occupations Code 2308.302 because the property lacked proper signage where my vehicle was parked. I signed the towing company 's release form under economic duress because I needed my car back immediately or would face escalating storage fees. Chase initially denied my dispute. On XX/XX/year>, a Chase representative instructed me to fax a formal request to reopen my dispute to ( XXXX ) XXXX. I faxed my request letter and supporting evidence. The Chase branch confirmed the fax was successfully sent. When I called Chase days later, a representative confirmed they received the fax. As of XX/XX/year>, Chase has not reopened my dispute. My online account still shows the dispute as " Denied '' with no change. Chase confirmed receipt of my documentation but has taken no action to reopen or resolve my dispute. I request that Chase reopen my dispute, correct the dispute reason ( it was incorrectly filed as " cancellation/return '' instead of " dissatisfied with quality of service '' or " billing error '' ), and fairly evaluate my evidence including photos proving no sign where I parked, the towing receipt, and my correspondence with the property owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
To : CFPB From : XXXX XXXX XXXX : XX/XX/XXXX Subject : Formal Dispute of Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally dispute the following inaccurate information appearing on my credit report. I have recently discovered that my personal data was compromised in multiple data breaches, which has resulted in unauthorized and incorrect reporting. 1. Incorrect Personal Information Address : XXXX XXXX XXXX, XXXX, VA XXXX. This is not my address and never has been. I request that this be removed from my file immediately as it is inaccurate and linked to potential identity compromise. 2. Unauthorized Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Amount : {$480.00} Reported : XX/XX/XXXX Dispute : This account was opened and placed for collection without my authorization. Given my involvement in documented data breaches, I believe this is a result of identity theft. 3. Student Loan Reporting Errors ( XXXX XXXX XXXX / XXXX ) I am disputing the reporting of the following student loan accounts. These accounts show inconsistent balances and " Late '' payment statuses during periods where they should have been reflected differently. I request a full audit and correction or removal of these derogatory marks : Account ending in {$19000.00} ( Opened XX/XX/XXXX ) Account ending in {$11000.00} ( Opened XX/XX/XXXX ) Account ending in {$7700.00} ( Opened XX/XX/XXXX ) Account ending in {$7700.00} ( Opened XX/XX/XXXX ) Account ending in {$7000.00} ( Opened XX/XX/XXXX ) Account ending in {$2200.00} ( Opened XX/XX/XXXX ) All additional XXXX XXXX XXXX accounts reported on XX/XX/XXXX ( {$8800.00}, {$13000.00}, {$8800.00}, {$2900.00}, {$23000.00}, {$9100.00} ). 4. Unauthorized Hard Inquiries ( XXXX ) The following hard inquiries were not authorized by me and occurred prior to XXXX. I request they be removed immediately : XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Please investigate these matters and provide me with a written response within 30 days confirming that these inaccuracies have been corrected or removed. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I had XXXX fraudulent withdrawals from my account in XX/XX/year> totaling {$5700.00}. The bank statement shows that the XXXX transactions were sent to XXXX. My bank keeps telling me that it is still under investigation. They have not offered me any provisional credits in fact they say that XXXX is obligated to do that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am reporting Citibank for systemic harassment and violations of CFR Regulation F 1006.14 and Texas Finance Code 392.302. Between XX/XX/XXXX and XX/XX/XXXX, Citibank engaged in a predatory dialing campaign totaling 77 documented calls from two lines : XXXX ( 36 calls ) and XXXX ( 41 calls ). The bank placed on average 4 calls per day, totaling 28 calls in a single 7-day period ( XXXX ). On nearly every documented day, calls were placed back-to-back within seconds, which constitutes 'continuous ringing ' to harass under Texas law. The bank switched outbound numbers on XX/XX/year> and XXXX to maintain high-pressure contact. Payments were only made in XXXX under the extreme duress of this XXXX bombardment. As of XX/XX/XXXX, my XXXX report reflects a 100 % 'On-Time ' status, yet the bank 's tactics were abusive and non-compliant with federal standards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This complaint concerns a one-time {$37.00} late fee on my Bank of America XXXX BoA ) credit card account. I have no prior late payment history with this account. The payment was only delayed by a few days, and the balance was paid in full. On XX/XX/year>, I submitted a BBB complaint regarding the matter. BoA later indicated they had already mailed a response to me, but I never received that correspondence and had to contact BBB to reopen the case. On XX/XX/year>, I then received a phone call from a higher-level BoA rep ( XXXX? ) who stated that she agreed a courtesy waiver was reasonable and attempted to reverse the {$37.00} fee, but advised that the internal system would not allow the adjustment. During the same call, she also stated she initially could not locate my address information despite my regularly receiving other BoA correspondence without issue. My concern is not only the {$37.00} itself, but also that, even after escalation and management acknowledgment that the request was reasonable, no meaningful manual exception process appeared to be available to a customer with an otherwise clean payment history. I respectfully request a further manual review and reconsideration of this isolated late fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am submitting this complaint regarding a financing account opened through Barclays in connection with a travel/vacation membership purchase from XXXX XXXX . During the sales presentation, I was provided verbal representations regarding the payment structure and affordability of the agreement. I was specifically told that the in-house payment amount would be within a certain agreed-upon range. Based on those representations, I agreed to proceed with the transaction and associated financing. After the financing was approved and processed, the actual payment terms presented differed materially from what was represented during the sales process. Once I realized the terms were inconsistent with what had been promised, I attempted in good faith to resolve the matter directly with the company ; however, we were unable to come to a reasonable agreement. As a result, I believe I was induced into entering the financing transaction based on materially misleading or inaccurate representations regarding the financial obligations associated with the purchase. The financing was directly tied to the sale of the membership, and I am disputing the validity of the underlying transaction. I have requested cancellation of the membership and have notified Barclays that the account is disputed. I am requesting : - A formal investigation into the transaction and sales practices involved ; - That the disputed account be properly noted during any investigation ; - Protection from negative credit reporting while the dispute is being reviewed ; - Assistance in resolving the disputed financing obligation tied to this transaction. I am prepared to provide supporting documentation, including agreements, communications, and records reflecting the discrepancies between the represented terms and the actual payment obligations presented after financing approval. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation