vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I enrolled in the Marcus by Goldman Sachs XXXX XXXX bonus promotion for the {$1500.00} tier. The offer required {$100000.00} in eligible new funds and a 90-day maintenance period. I transferred in the required {$100000.00} and maintained the required balance. After the 90-day period, Marcus denied the {$1500.00} bonus and said I was not enrolled. I am requesting that Marcus review enrollment logs, offer-link/promo-code records, account activity, call/chat records, confirmation records, and bonus-tracker records. If Marcus maintains that I was not enrolled, I request a written explanation and documentation showing why my enrollment was not captured. My requested resolution is payment of the promised {$1500.00} bonus.

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 was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
IC SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this complaint regarding inaccurate and unverifiable information being reported on my consumer credit file. I previously disputed the following account with the credit reporting agencies : WFBNA AUTO Charged Off Balance Reported : {$10000.00} After my dispute, the credit bureaus responded that the account was verified as accurate. However, they failed to provide the legally required method of verification requested under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ) ( 6 ) and 1681i ( a ) ( 7 ). I requested : The name and contact information of the party used to verify the account The method used to verify the account Copies of documents reviewed during the investigation Proof that a reasonable investigation was conducted The credit bureaus failed to provide adequate documentation and instead relied on vague or automated responses that do not satisfy the requirements of the FCRA. I believe the investigation conducted was unreasonable and potentially based solely on automated e-Oscar processing without review of original documentation. Additionally, I requested verification supporting : The original signed contract Full payment history Documentation proving the authority to report the account Complete and accurate account records These documents were not provided. Under the Fair Credit Reporting Act, consumer reporting agencies are required to conduct a reasonable investigation and provide the method of verification upon request. I am requesting : 1. Immediate deletion of the unverifiable account from my credit file 2. A corrected credit report sent to me 3. Confirmation that the account has been permanently removed if proper verification can not be produced I am also requesting that the CFPB investigate the failure to comply with federal consumer reporting laws.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Upstart Holdings, Inc.
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: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/year>, I was pre-approved for a XXXX XXXX XXXX XXXX by Citi and applied. After completing the application, I received a notification stating that I needed to submit additional information and would receive a letter in the mail. The letter instructed me to submit IRS XXXX XXXX by XX/XX/year>. The form was pre-filled, and I completed the required sections, including my name, address, Social Security number, complete address, date, and signature. I then emailed the form back to Citibank using the address provided in their letter. On XX/XX/XXXX, I received a text message from Citibank stating that my application was denied. When I called their toll-free application status number ( XXXX ), an automated message informed me that the denial was due to insufficient credit history. On XX/XX/XXXX, I contacted XXXX and spoke with a representative who confirmed that my credit report goes back over a decade. The XXXX representative recommended that I contact Citibank. I called Citibank again and spoke with a representative who told me that my application was denied because I had not entered the tax year on IRS Form XXXX. I explained that Citibank had pre-generated the form and failed to include the tax year section. We also discussed the insufficient credit history issue. I pointed out that the XXXX representative could see my credit history spanning over a decade, but the Citibank representative explained that they only consider current and open accounts. Yesterday, I logged into my XXXX account and found that my Average Account Age is 4 years, 3 months, and my Length of Credit History is 18 years, 6 months. After I shared this information with the Citibank representative, she became dismissive. I requested that a complaint be filed and asked for an email address. The representative said they would submit my complaint, and I informed them that I would also be filing a complaint with the CFPB. Regarding IRS Form XXXX, I stated on my application that my annual income before taxes is {$100000.00}. If Citibank had completed the required sections of the form, it would have been able to verify my high income from my transcripts. I will attach the letter from Citibank requesting additional information, the pre-generated IRS Form XXXX, and the email I sent to Citibank on XX/XX/year>, with the signed form attached. If the CFPB needs any further information from me, please let me know, as I would appreciate it if Citibank were held accountable for its incomplete and inadequate credit card application process.

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: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
Santander XXXX USA repossessed my XXXX XXXX XXXX ( VIN : XXXX ) via XXXX XXXX XXXX on XX/XX/XXXX. The agent breached the peace and caused major drivetrain damage by improperly towing an XXXX XXXX vehicle with the front wheels on the ground. Santander is now refusing to provide an insurance claim number or the mandatory Illinois XXXX XXXX XXXX ( violating XXXX XXXX XXXXXXXX ). I am demanding a 'Stop Sale ' order and compensation for the destroyed drivetrain.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
I am submitting this complaint regarding the reporting of two Department of Education/Aidvantage student loan accounts ending in XXXX. Both accounts are currently open and in good standing. According to my XXXX credit report dated XX/XX/year>, the accounts are listed as Current, was past due 90 days as of XX/XX/year>. Each account reflects a single 90-day delinquency with no prior 30-day or 60-day late payment history. The accounts were brought current in XX/XX/year> and remain current. Prior to this isolated event, I maintained an excellent credit history with credit scores consistently above XXXX. I previously submitted a goodwill adjustment request directly to Aidvantage requesting review and consideration for removal of the reported 90-day delinquency due to the isolated nature of the event and the otherwise positive payment history on the accounts. I did not receive a response. The reporting of these delinquencies caused a substantial decline in my credit score and has significantly impacted my credit profile despite the accounts now being current and in good standing. I am requesting that Aidvantage conduct a supervisory review of the reporting on these accounts and consider a goodwill adjustment or other appropriate resolution regarding the XX/XX/year> delinquency reporting. Thank you for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: OH

Complaint narrative:
I have been dealing with this issue for over two months now I make partial payments throughout the month to satisfy my monthly bill of {$1100.00}. The company is not recognizing the partial payments or either an applying it to interest which is incorrect it should be going towards my monthly payment. Also theyre not recognizing payments. Ive made Ive even sent bank statements showing that Ive made a payment and they dont recognize it on my payment activity. I can never get a hold of anybody in management. I always have to talk to a different department. Ive got the runaround I would like a list of all my payments that I made to match them up with my bank statements I believe they have not been applying payments that gone through my bank. I believe theres three or {$400.00} that have not been applied to my monthly payment. Therefore, now I am behind.

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: UPGRADE, INC.
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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I sent {$98.00} Of XXXX XXXX to my XXXX PayPal Wallet Address but I never received it And its a lot of money to be lost Please help me

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: I.C. System, 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 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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NE

Complaint narrative:
XX/XX/XXXX, I paid my loan off in full with Mohela. XX/XX/XXXX, I asked about when I could expect a refund of the {$1000.00} XXXX overpaid due to their system reporting a late payment incorrectly. They advised a 45 day waiting period to approve the refund, and then 'up to 90 days before the treasury will process the refund '. XX/XX/XXXX, I requested information about what they had actually sent to the DoE and/or Treasury, and got told 'the treasury is handling it ''. I had asked for a receipt, an invoice #, the date that the refund was sent, who they sent it to, any case # for it, literally anything that they could give to prove that they had sent the refund request. They provided none of this. I called the treasury and was told that they hadn't received a request for a refund yet.

Company response to consumer: Untimely response
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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX Bank of America credit card was charged a {$3200.00} that was processed on XX/XX/year>. At that time I was traveling in XXXX and had used the credit card at several vendors, but all for much smaller amounts, none more than a couple of XXXX dollars. I noticed that I had a pending payment for {$3200.00} on my credit card and immediately reported the transaction to Bank of America. The payment was still processed despite having brought up the issue with the bank. I submitted a claim for fraud to Bank of America for the charge and was told that the claim was denied and that they had made the decision because : " We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' As I had not signed for this charge and this is a credit card so there is no PIN associated I asked for the receipt from the vendor showing my signature. Bank of America did not provide the receipt, but they did provide information on the vendor. The vendor is an online website based in XXXX and the vendor code was XXXX XXXX. I appealed my fraud claim because I have never traveled to XXXX or ordered anything from this website and Bank of America said that they had sent me a text message with a code to confirm the transaction. I do have a text from Bank of America in my text log from the XXXX. The text read : " XXXX # >BofA : DO NOT share this code. We will NEVER call you or text you for it. Code XXXX. Reply HELP if you didn't request it. '' At the time that I was traveling though I did not have cell service in XXXX, so I am not sure when I actually received the text message and there is nothing in the text message that states why they sent the code. There is no indication that its for a transaction, or approval of a transaction. There was no text from Bank of America saying that they were concerned about potential fraud and that they were reaching out to me to confirm an amount for a transaction. They denied the appeal stating that because they sent me this text message on the XXXX of XXXX and that the code was entered somewhere in their system that means that I approved the transaction. I'm reaching out now to the CFPB because it seems like there is no higher I can go with this claim with BofA and I would really like help getting this sorted out. Thank you.

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: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: MI

Complaint narrative:
I am formally disputing the accuracy of the accounts listed above. These accounts are inaccurate, inconsistent, and represent duplicate reporting of the same alleged debt. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and deletion of these entries based on the following evidence : Proof of XXXX Balance : The original creditor ( XXXX XXXX ) reported this account as 100 % Paid Off with a {$0.00} Balance as of XX/XX/year> Duplicate Reporting : This debt is being reported under multiple different account numbers to artificially damage my credit and circumvent the dispute process. Account # s [ XXXX ], [ XXXX ], and [ XXXX ] Inaccurate Timeline : The " Date Opened '' is reported as XX/XX/year>, but I officially vacated the property on XX/XX/year> Because this information is demonstrably false and inconsistent across my credit files, I have multiple pieces of evidence to support this claim. Original creditor report showing {$0.00} balance. I have docum ented digital trail of contradictory account numbers used by the collector. My XX/XX/XXXX MOVE OUT notice proving the reported dates are false.

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: SYNCHRONY FINANCIAL
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 explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Medical Credit Corporation, Inc.
State: NV

Complaint narrative:
I disputed this account multiple times. The furnisher continues verifying the account without providing sufficient documentation validating the debt or the accuracy of the reporting. I request a full investigation and deletion if the account can not be properly verified. I have not seen any documentation of my signature or a contract signed by the debt collector with my name

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 was result of identity theft
Company: Spring Oaks Capital, LLC
State: AZ

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
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: Avant Holding Company, Inc.
State: IL

Complaint narrative:
Several attempts have no been made to resolve this and I am REOPENING this case that you closed - see attached. This is an ongoing issue since XXXX of XXXX - you closed this case when lender said it was resolving and they NEVER did- they continue to harass me! This is fraud in the worst way and they keep accruing interest on a paid off loan! Attached is the prior case with links to all the communications. I called them again since this and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: KS

Complaint narrative:
I had gotten a new phone and misplaced my old one and the next day a total of 1,000 was taken from my bank account. I'm currently trying to get it back now and found my phone but hopefully I can win my case with chime to get my money back. The account the money was sent to I have no idea who those people are.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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