vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I financed a vehicle through Regional Acceptance Corporation. At the time of purchase, I specifically instructed that full coverage insurance, including collision, be placed on the vehicle. I have documentation showing that collision coverage was requested and should have been bound. 

Due to a professional error by the insurance provider or intermediary, collision coverage was not added to the policy. This failure was not caused by me. 

The vehicle was later involved in an accident and declared a total loss. Because collision coverage was not in place, the insurance company denied the claim. 

Regional Acceptance Corporation failed to verify that required collision coverage was active on the vehicle securing the loan, despite continuing to service the loan and accept payments. As a result, I am now being required to continue paying approximately {$960.00} per month on a loan secured by collateral that no longer exists. 

This situation has caused ongoing financial harm. I am requesting payment forbearance or suspension while this matter is reviewed, along with an equitable adjustment or settlement due to the loss of collateral caused by third-party professional error.

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 2026-01-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX tried multiple times to use card on two different sites and it is declining. Tried to add the card to my XXXX XXXX and it also declined. I called to activate the card and went online but it is still not working. All purchases are under the limit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CO

Complaint narrative:
It all started on XXXX, XX/XX/year>. I was at work when i received a call from the XXXX Bank branch in XXXX, CO. They were someone claiming to be an associate with that branch and noticed some fraudulent charges on my account and caught it. I provided them the questions they were asking for and then noticed later that evening that they had drained {$11000.00} from my checking account with XXXX XXXX. They have now denied my claim for the XXXX time stating that due to negligence on my end, they can not issue the funds back to me. I have numerous amount of proof of the " spoofed call '' and all corresponds of when this issue started but the bank will not ask me to provide and will continue to deny my claim. I am starting this process first before filing something with an attorney.

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 2026-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: NY

Complaint narrative:
XXXX  sent my account to a debt collector, RFGI. They keep renewing my account even though I canceled it. I notified them of the cancellation. They tried to take the money out of my checking account two days later. I notified my bank and they tried to dispute the funds, unsuccessfully. They then took the money out of my account and paid XXXX, but blocked future payments. Now, XXXX  wants the next months, XXXX XXXX XXXX  And they sent XXXX  to the debt collector RFGI. I assume they will keep sending new monthly charges to debt collection unless someone me one stops them. Please help! My name: XXXX XXXX XXXX XXXX

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 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CADENCE BANK
State: AL

Complaint narrative:
XXXX XXXX cashed XXXX checks in the amounts of {$6000.00} and {$6500.00} which were fraudulently endorsed at XXXX XXXX. The checks were mailed to a XXXX XXXX XXXX my company. The payee states they did not receive the checks nor do they use XXXX XXXX. My bank ( Cadence ) shows the checks were cashed in a manner that did not follow normal banking protocols as they were cashed by an individual rather than the check payee. In the past year, XXXX checks were mailed to this payee at the XXXX XXXX XXXX XXXX checks arrived with no issues and XXXX were fraudulently endorsed and cashed. I was informed by the payee that the account was XXXX days in arrears which started the investigation as my bank statement showed the checks were cashed. I did not knpw there was an fraud ssue until XX/XX/year>. When I contacted XXXX 's XXXX they said they could not communicate with me as I did not have an account with them. XXXX XXXX said XXXX had to do the contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Company Information : Company Name : Santander Consumer USA Address : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Contact Person/Agents Involved : XXXX XXXX XXXX XXXX XXXX The Nature of the Dispute : I sent Santander a formal debt validation request via Certified Mail on XX/XX/XXXX, disputing the alleged debt and requesting specific information necessary to confirm their legal standing to collect. I attached proof of delivery signed by their agent, XXXX XXXX. 
Santander failed to provide the requested validation documentation. Specifically, they did not provide : Records evidencing the source/flow of funds used to originate the loan. 
Internal accounting entries proving they debited their own accounts. 
Disclosure of whether the loan was sold or securitized, as required by 15 U.S.C. 1641 ( f ) ( 2 ).

Documentation establishing their status as a Holder in Due Course ( Chain of Title ). 
I sent a follow-up letter on XX/XX/XXXX, received by agent XXXX XXXX XXXX which was also ignored. 
FDCPA Violations ( 15 U.S.C. 1692g ( b ) ) : The FDCPA explicitly requires a debt collector to cease all collection activities once a debt is disputed until validation is provided. 
On XX/XX/XXXX, while the debt was still in active dispute and validation was outstanding, Santander unlawfully repossessed my vehicle. This action violates the mandatory stay on collection activity required by federal law. I sent a Demand for Return of Vehicle on XX/XX/XXXX, which was also ignored. 
Desired Resolution : I have exhausted all correspondence with Santander, sending a final notice on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I asked for the following documentation : Flow Agreement Transfer Assignment Bill of Sale Original Contract I also require the CHAIN OF CUSTODY. 

This is not frivolous and you have not provided any of this documentation to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Fifth Third is the bank. 
on XXXX there was unrecognized charge on my acct i noticed the next day called the bank they said somehow someone got my account number and i would need to open a new acct. Then they locked my acct, made me come in open a new account i had to wait a week to even get a new card. then went in to transfer remaining funds to new account on XX/XX/XXXX. I got paid on the XXXX. mind you i get paid XXXX  days a month. Put my check in thinking it will be a day or XXXX before it clears. still nothing i called XX/XX/year> explained that its the same company ive been with for a year and a half and that i've been with the bank for a year and a half as well, that's its a paycheck its not a personal check or anything that should show as a redflag to hold it. She said it didn't matter that ive been a costumer and that my previous checks cant account for the one i submitted that its treated as a whole new account. Which is a bunch of XXXX. anyone can look at my old account and see i was paid by the same company for over a year and has my name on the account clear as day. ON top of it i checked with my employer and the check has been cashed and cleared, as of the very next day. SO they are holding it and forcing me to survive of being paid XXXX day of the whole month just because they feel like it. Like you're supposed to protect clients against fraud not treat your costumers like they are the problem. They didn't protect my account from being hacked now all of a sudden, they want to act like there watching for fraud by holding my check. and forcing all my bills to be late. right before i potentially plan to buy a house in XXXX  months. Is beyond ridiculous. and shouldn't they inform you that this was a possibility or that they are even placing a hold because i got no information as to why besides its a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Nelson and Kennard, LLP
State: AZ

Complaint narrative:
XX/XX/XXXX NELSON AND KENNARD SERVED XXXX XXXX WITH A WRIT OF GARNISHMENT TO COMPLETE A BANK LEVY. I REACHED OUT TO NELSON AND KENNARD ON XX/XX/XXXX AFTER TALKING TO THE BANK. I EXPLAINED THE HARDSHIP THEY PUT ME IN. I HAD PAID MY CAR PAYMENT THAT MORNING ALONG WITH A COUPLE OTHER BILLS AND I HAD WROTE A CHECK MONDAY THAT WEEK FOR MY PEST CONTROL. ALL OF THOSE PAYMENTS WILL BOUNCE BECAUSE THEY TOOK ALL THE MONEY OUT OF BOTH OF MY ACCOUNTS. THEY DID NOT FOLLOW ARIZONA LAW BY LEAVING XXXX IN EACH ACCOUNT. I WAS TOLD A MANAGER WOULD CALL ME BACK TO POSSIBLY RELEASE THE FUNDS AS THE HARDSHIP I WAS PUT IN. I DID NOT RECEIVE A CALL BACK BY MID AFTERNOON ON XX/XX/XXXX SO I CALLED BACK IN AS IM TRYING TO GET THIS RESOLVED RIGHT AWAY. I SPOKE WITH A MANAGER THAT ADVISED ME THEY WILL NOT RELEASE THE FUNDS EVEN THOUGH THEY PUT ME IN A HARDSHIP. SHE KEPT TELLING ME SHE CANT GIVE ME LEGAL ADVICE AND I WASNT NECESSARILY ASKING FOR LEGAL ADVICE BECAUSE I WAS I SPOKE TO LAWYERS PRIOR TO TALKING TO MANAGER. THE MANAGER ALSO LET IT SLIP THAT THEY WERE SENDING DOCUMENTS TO AN ADDRESS ON XXXX XXXX BUT REFUSED TO PROVIDE ME THE ADDRESS. I HAVE NO ASSOCIATION TO THAT ADDRESS AT ALL AND NEVER HAVE. I ASKED A LUMP SETTLEMENT AND SHE DENIED. THEY ARE USING DECEPTIVE PRACTICES AND NOT ADHERRING TO FDCPA BY SENDING MAIL TO AN ADDRESS NOT ASSOCIATED TO THE PERSON. XXXX HAS A CURRENT ACCOUNT FOR ME THAT I HAVE NEVER MISSED A PAYMENT ON SO THEY HAVE MY UPDATED ADDRESS AND SO DOES XXXX XXXX XXXX. THERE WERE MULTIPLE DIFFERENT AVENUES TO GET THE CORRECT ADDRESS INSTEAD OF PICKING A RANDOM ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to formally dispute an auto lease account that appears on my credit report without my knowledge or authorization. 



The account in question is a lease opened in or around XXXX XXXX for a XXXX  XXXX XXXX. I was not aware of this lease at the time it was opened, nor did I knowingly consent to or authorize this transaction. During that period, my personal and identifying information was accessible to individuals whom I did not trust, and I believe my information was at risk of fraud or identity theft. 



I am disputing this account because I did not initiate, approve, or benefit from this lease, and I do not believe I am obligated to carry responsibility for an account that was opened without my knowledge. Despite this, the lease continues to appear on my credit report and is negatively impacting my credit profile. 



This account has caused me significant hardship, including difficulty obtaining reliable transportation and securing financing for a vehicle. Additionally, the ongoing presence of this account on my credit report has caused me emotional distress and XXXX  due to the financial limitations and uncertainty it has created. 



I respectfully request that this matter be thoroughly investigated and that this unauthorized lease be removed from my credit report. I am asking for relief based on the fact that this account was opened without my knowledge and under circumstances that indicate potential fraud or identity misuse. 



Thank you for your time and attention to this matter. I appreciate your assistance in helping resolve this issue and protecting my consumer rights. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am writing because the information your company is furnishing regarding the account listed under XXXX, appears to be inaccurate, incomplete, or unverifiable. As the original creditor, all information provided to any credit reporting agency originates from your internal records. Therefore, you are responsible for ensuring the accuracy, integrity, and completeness of the data being published. 
At this time, the information being reported including the Date of First Delinquency ( DOFD ) and other derogatory data does not appear to match the factual history of the account. Any discrepancy in the XXXX directly affects the reporting period and the negative impact on my credit profile. 
Because the accuracy of this information is in question, I am requesting strict proof of all data you are furnishing to the credit bureaus for this account. 
XXXX.Request for Strict Proof of the DOFD and Reporting Basis To verify the accuracy of your reporting, please provide : XXXX original date the account first became delinquent, XXXX complete payment history establishing the DOFD, XXXX any internal records, system notes, or documentation used to determine this date, XXXX and the exact DOFD you furnished to each credit reporting agency. 
If your records do not contain verifiable evidence of the original delinquency date, then any DOFD currently being reported is inaccurate. 
XXXX. Request for Verification of All Information You Furnished Provide a full breakdown of all information you have transmitted to the credit reporting agencies regarding this account, including : XXXX account status, XXXX payment history codes, XXXX charge-off details ( if applicable ), XXXX balance information, XXXX any remarks or comments, XXXX and all XXXX XXXX fields submitted. 
This request is made to determine whether the data being reported is complete and supported by your internal documentation. 
XXXX. Request for Full Account-Level Documentation To validate your reporting and ensure accuracy, please also provide : XXXX the original contract or account application, XXXX complete and unaltered payment history, XXXX full internal notes related to the management, placement, or adjustment of the account, XXXX any charge-off documentation ( if relevant ), XXXX and any account-level data used to support your reporting. 
If you do not have these records, then the information being furnished may not be verifiable. 
XXXX. Opportunity to Correct, Update, or Delete Inaccurate Information If your internal review reveals : XXXX inaccurate reporting, XXXX incomplete records, or XXXX unverifiable DOFD information,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Wired {$20000.00} to chase bank in XXXX N.C. 
Routing # XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
INVOICE # XXXX THIS was for a vehicle purchase. All information is fake. 
Chase bank allowed this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: CA

Complaint narrative:
I have a XXXX  XXXX account I don't recognize on my Credit Report for a hundred and something dollars and a XXXX  XXXX Account I don't recognize for 7 hundred and something dollars they have the exact amounts at XXXX XXXX because they told me the amounts but I don't remember them. I suspect someone used my information to get these accounts because I did lose my ID back in 2022 and I lost my Birth Certificate as well. I'm a XXXX person on XXXX and I need you to remove these accounts from my Credit Report!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I disputed transaction of XXXX for an item what was not included in any of my received packages. XXXX was made on XX/XX/year> with XXXX Rack. The merchant told me that the shipment was handed to the resident. I am the only resident at my property and never received that item. I filed a dispute with American Express, which was denied. I disagreed with Amex denial and it was reopened and the denied again. Last after multiple complaints to different representatives and supervisors I spoke to representative superior on XX/XX/XXXX, who said it will be resolved for me as American Express allegedly has protection program for unresolved purchases. I realized that the refund was never processed and I called American Express today after paying off my balance as I do not trust working with them. They weren't aware about the refund and told me they are going to review their records : reference number they gave me is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence. Engelhardt. V Gravens ( MO ) 281 SW715, 719. I presume that proof of the alleged debt, nor therefore any such debt in fact exists.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NC

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence. Engelhardt. V Gravens ( MO ) 281 SW715, 719. I presume that proof of the alleged debt, nor therefore any such debt in fact exists.

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 2026-01-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am disputing a collection account for approximately {$390.00} related to alleged move-out charges from a college housing apartment lease. I do not agree that I am legally responsible for these charges. I have photographic and documentary evidence showing that the apartment was left in acceptable condition and that the charges are inconsistent with the lease terms. 

After the account was sent to collections, I formally disputed the debt with both the original creditor and the collection agency, requesting an explanation and documentation supporting the charges. I provided evidence and requested itemized move-out charges and proof that a reasonable investigation was conducted. 

The companies responded only with conclusory statements asserting that the debt was valid and did not provide itemized charges or documentation supporting the alleged damages. The collection agency has refused to engage in meaningful communication, declined settlement discussions, and directed me only to pay the full balance online. 

Despite the debt being disputed and unsupported, the account continues to be reported on my credit report and my daughters credit report, causing ongoing credit harm. I dispute my liability for the charges and also dispute the accuracy of reporting the debt on my daughters credit. 

I have made repeated good-faith efforts to resolve this matter without litigation, but the companies refusal to provide substantiating information or engage in dispute resolution leaves me no reasonable alternative.

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