vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Upstart Holdings, Inc.
State: MS

Complaint narrative:
I am writing to formally request that you cease all communication regarding the alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that you stop contacting me. Please be advised that I dispute the validity of the debt you are attempting to collect. I request that you provide me with verification of the debt as required by law. Until you provide such validation, please do not contact me further regarding this matter. Any attempts to collect on this debt, whether by phone, mail, or any other means, will be considered harassment and may result in legal action against your agency. Thank you for your attention to this matter. I expect no further communication from your office.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate late payment reporting on my account. The reported late payments do not accurately reflect my payment history and have negatively impacted my credit profile, failure to ensure accurate credit reporting raises concerns under applicable consumer protection and credit reporting 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 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
b'I am filing this complaint against GM Financial as a furnisher under FCRA 15 U.S.C. 1681s-2(a) for reporting inaccurate, unverifiable information and for making contradictory written representations to a consumer and to this Bureau.\nEXHIBIT A GM FINANCIAL LETTER DATED XXXX XXXX XXXX: Attached is GM Financial\'s own letter confirming Account Number XXXX Dispute ID XXXX and XXXX XXXX full name and address in response to a dispute in which only partial information was provided. GM Financial confirmed this account in writing. Their subsequent representation to CFPB of inability to identify this consumer is directly and irreconcilably contradicted by Exhibit A.\nIRRECONCILABLE CONTRADICTION: In the same letter (Exhibit A, XXXX XXXX XXXX, GM Financial certified "no update to the credit reporting information is required" certifying accuracy in writing. That same month, GM Financial furnished a XXXX XXXX XXXX remark to XXXX flagging data integrity concerns on this same account. A furnisher cannot simultaneously certify accuracy and file a XXXX remark. These are mutually exclusive positions.\nGM Financial is actively reporting a XXXX charged-off balance on all three bureaus as recently as XXXX XXXX while claiming to CFPB they cannot identify the consumer. Exhibit A proves this claim is false.\nI demand immediate deletion from all three bureaus. Prior certified submission delivered XXXX XXXX XXXX Tracking: XXXX XXXX XXXX XXXX XXXX XXXX Complaint XXXX was miscoded as debt collection.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have made several XXXX transactions with this account and there was no holds on those transactions. I then have a XXXX payment/deposit sent to me for {$660.00} because a check that was suppose to be deposited earlier that day didn't get deposited and I was completely broke and 100 % depended on this {$660.00} to pay bills, get gas to go to work, buy food and anything else that might require money and they just put a hold on it like it was no big deal. No warning to my father before sending it and nothing mentioned when I used XXXX days prior. I called XXXX different people at capital one customer service and tried to get them to remove the hold and they days they couldn't. I asked to talk to someone who could and they said that there isn't anyone. So now I'm trying to figure out how to get gas to go to work so I don't lose the job that I literally XXXX started today.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood credit card has a mystery box feature where you spend XXXX points to get a random promotion. I received 10 % cash rebate on next restaurant spend as a promotion. Subsequently spent {$5000.00} at XXXX XXXX. But Robinhood has not honored their promotion and instead referred me to terms and conditions that I was not aware of. There were no links to terms and conditions when the promotion popped up on the app and no mention of {$50.00} cap on the cash rebate. In my opinion, this is extremely shady business practice and Robinhood should fully compensate me 10 %, which is equivalent to {$500.00} cash rebate. Other credit card vendors like XXXX and XXXX has easy access to terms and condition under all their special offers. Its not reasonable for me to dig through the terms that are hidden and with no link as a reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Academy Mortgage Corporation
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as XXXX - XXXXXXXX XXXX XXXX XXXX XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that this company has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-04-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
For the pass seven months this company LVNV Funding LLC have been harassing me and when asked for proof of debt they dont know how to responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
I lost my job unexpectedly, which caused a financial hardship and made it difficult for me to keep up with my loan payments. As soon as this happened, I submitted three hardship requests in an effort to find a solution and stay on track. Each of my requests was denied with the explanation that I had exceeded the allowable number of loan modifications. This did not take into account my current situation or my efforts to resolve the issue responsibly. As a result, my missed payments are now being reported to the credit bureaus, causing a significant drop in my credit score. I believe this is unfair given that I proactively reached out for assistance and tried to work with the company during a period of financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Tn XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX National Credit System Im writing to formally dispute the allegations debt XXXX. Under the Fair Debt Collection Practice Act, I Request validation of this debt, including the original creditors name, the amount owed and any supporting documentation verifying that I am legally responsible for this debt. Requesting : Proof that I owe the debt, including a copy of the original agreement with my signature. A detailed breakdown of the amount being claimed, including principal, interest, fees and other charges. Proof that your agency has the legal authority to collect this debt. Verification that the statute of limitations for the collection has not expired. Until I receive proper verification, I request that you cease all collection activities including reporting this debt to credit bureaus, as unverified debt should not be reported under the Fair Credit Reporting Act. If you are unable to provide the required information I expect this matter to be closed and for no further action to be taken against me. Please respond within 30days of receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: CA

Complaint narrative:
Purchased Tickets for XXXX XXXX from XXXX for event on XX/XX/XXXX. When attempting to use the tickets, the venue, XXXX XXXX, stated tickets were fraudulent and could not be used. In order to attend the event I needed to purchase new tickets which I did. XXXX XXXX provided me a letter stating tickets purchased from XXXX were faudulent. Opened billing dispute XXXX on XX/XX/XXXX. Bank of America sent letter dated XX/XX/XXXX stating no additional information was needed. XX/XX/XXXX Bank of America requested letter from venue stating fraud, letter was uploaded to BOA web site same day - received confirmation " Your Submission was successful and the document will be under review '' XX/XX/XXXX BOA sent email stating claim was closed because they did not receive the information requested. BOA recharged my account {$350.00} on XX/XX/XXXX for the amount in dispute. XX/XX/XXXX Contacted BOA by phone, BOA stated their web portal has problems and they never received the document, said to fax in. Faxed in Document on XXXX, received successful fax notification. XXXX Called BOA, confirmed they received the fax and claim was re-opened. XX/XX/XXXX Called BOA, BOA stated claim had not been re-opened, said now it was re-opened. XX/XX/XXXX Claim is still not re-opened. I have tried to be patient, BOA 's broken web site is not an excuse to fail to process a valid fraud claim. I am owed {$350.00} for fraudulently sold tickets. Documentation is attached.

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 monetary relief
Consumer complaint received 2026-04-28 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a billing error under the Fair Credit Billing Act regarding a charge of {$680.00} related to a returned merchandise transaction. Background : On XX/XX/year>, I purchased a guitar from XXXX XXXX totaling {$1300.00}. Due to significant shipping delays, the package became unusable for its intended purpose ( a XXXX gift ). Upon eventual delivery attempt, I refused the package. UPS tracking confirms that the shipment was returned to the merchant and received. Issue : After the return, the merchant retained {$680.00}. I disputed this charge ; however, Goldman Sachs denied my dispute twice. The merchants submitted evidence fails to justify this amount : - No invoice, receipt, or breakdown supporting the {$680.00} charge - No documentation showing actual outbound or return shipping costs - No restocking fee calculation or contractual basis- The only documented charge in the merchants submission is XXXX ( approximately {$40.00} USD ), which does not support the retained amount Additionally, the merchants own response acknowledges that I did not receive the product, confirming that this is not a delivery dispute but rather a fee justification issue. Legal Basis for Dispute : Under the Fair Credit Billing Act, a creditor must conduct a reasonable investigation and may not uphold a charge that is unsupported by documentation. In this case, the retained amount lacks any substantiated basis. Requested Resolution : I respectfully request the following : 1. A complete re-investigation of this dispute 2. Identification of the specific documentation that supports the {$680.00} charge 3. A full itemized breakdown of any amounts the merchant claims are owed 4. Reversal of the {$680.00} charge i f such documentation can not be produced If Goldman Sachs is unable to provide documentation supporting this amount, the charge should not be upheld. Please consider this a formal written notice of billing error. I expect a written response within the timeframe required under the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center
State: NY

Complaint narrative:
I received a letter from XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX TX XXXX. It purported to collect a completely fake debt. It is true that the hospital mentioned is one I made an ER visit to. However, the hospital billed me for the visit I made ( a completely different amount from the one mentioned ), and I paid that bill. The bill I paid is the only bill I have received from that hospital, or any hospital, since at least the year 2020. There is no outstanding balance on the hospital 's portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Somehow this month my banking institution informed that my credit had a derogatory account that appeared concerning a student loan. I know I never took a class nor recieved a grade for a class that neither passed or failed due to the fact that I never actually took a particular class that I assume they are attempting to collect for other than that I have to assume its ID Theft and improper debt collection practices.

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 2026-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im writing to formally dispute the allegations debt XXXX. Under the Fair Debt Collection Practice Act, I Request validation of this debt, including the original creditors name, the amount owed and any supporting documentation verifying that I am legally responsible for this debt. Requesting : Proof that I owe the debt, including a copy of the original agreement with my signature. A detailed breakdown of the amount being claimed, including principal, interest, fees and other charges. Proof that your agency has the legal authority to collect this debt. Verification that the statute of limitations for the collection has not expired. Until I receive proper verification, I request that you cease all collection activities including reporting this debt to credit bureaus, as unverified debt should not be reported under the Fair Credit Reporting Act. If you are unable to provide the required information I expect this matter to be closed and for no further action to be taken against me. Please respond within 30days of receipt

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 2026-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: MN

Complaint narrative:
Was pre approved for a loan and was informed a soft pole in my credit report would be done to determine preapproval not affecting the score on my credit report or adding an inquiry a week later I had an inquiry on my credit report that I did not authorize or agreed to or sign any documents stating the finance company could pull the credit report. The finance company and question is Cardinal financial on a XXXX XXXX the person guilty of doing this is XXXX XXXX XXXX said he would have said inquiry removed with email confirmation but so far I have gotten no results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Friday, XX/XX/2026 I logged into my credit card account on XXXX website and my credit card data was gone. Nothing. No record on my portal that I ever had an AAdvantage card. I looked through my emails to see if there was anything happening and it turns out that on XX/XX/2026 Citi Card sent an email stating all AAdvantage cardholders would be transitioning to Citi Card on XX/XX/2026. That after XX/XX/2026, it'd take XXXX weeks for people to get their new Citi Card . If they had any questions, they could contact customer service. They provided no website, no phone number, no email address for customer service. They did provide a hearing impaired number if needed. I figured they'd have an interim portal or an email for transitioning AAdvantage clients by XX/XX/2026, so I waited until today. I called the XXXX number on the back of my XXXX card. The XXXX had no information and transferred me to the call queue at Citi Card. The auto operator had no record of my XXXX card .. to be expected. The auto operator also didn't have any service for clients in my position- with questions about Credit Card access during this transition. After another XXXX minute hold, I got a human who eventually told me that I wouldn't get my new card or access to a managing portal for XXXX weeks but I could continue to use my AAdvantage card. I'm being denied access to manage my card, see transactions, make payments, freeze/cancel/close my account, or see/be notified/report unauthorized charges ... for XXXX weeks or until my new card comes in the mail. This has got to be an insurance violation. The XXXX at Citi said I could call in to make a payment or have them look at my charges. This is unreasonable and highly suspicious service. There is no way for them to provide assurances or insurance on my current credit card. This is a huge financial liability to me and EVERY AAdvantage client. Please help.

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 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Credit Management is reporting multiple collection accounts ( Account # XXXX and Account # XXXX ) for what appears to be the same underlying debt. I previously disputed these accounts and requested validation, including documentation, itemization, account history, and proof that these accounts represent separate and valid obligations. The company responded to a prior complaint but failed to provide any documentation supporting the validity or separation of the accounts. Specifically, the company did not provide : Any itemized breakdown of charges Any account history or transaction-level detail Any documentation showing that the accounts are separate obligations Any proof of ownership or authority to collect each account Any documentation establishing my legal obligation for each account Instead, the company stated that verification information was mailed and directed me to access documents through their website. This response does not constitute proper validation and does not address the issue of multiple accounts being reported for what appears to be the same obligation. The company continues to report duplicate or overlapping collection accounts without documentation to support the accuracy, completeness, or legitimacy of the reporting.

Company response to consumer: Closed with explanation