vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Group Inc.
State: WA

Complaint narrative:
This complaint is regarding an account reported by United Finance that previously appeared on my credit report. I am requesting removal of this account because the balance has already been settled and the company failed to properly follow the requirements of the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I noticed that United Finance was reporting this account. I disputed the account and requested verification of the debt, including documentation showing the account belonged to me and proof of the balance being reported. I also requested confirmation that the company had the legal authority to report and collect the debt. United Finance did not properly provide verification of the account within the legally required timeframe under the Fair Credit Reporting Act. Despite this failure to properly verify the account, the debt continued to be reported on my credit report. The balance on this account has since been settled. However, because United Finance failed to comply with the FCRA requirements regarding proper investigation and verification deadlines, the continued reporting of this account is inaccurate and unfair. Under the Fair Credit Reporting Act, companies that report information to credit bureaus must ensure the information is accurate and must complete a reasonable investigation within the required legal timeframe when a consumer disputes an account. If the information can not be properly verified, the account should be corrected or removed. Because United Finance failed to comply with these requirements and the balance has already been settled, I am requesting that this account be permanently removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC
State: TX

Complaint narrative:
My mortgage company is still charging me property tax and they should not be because I'm a XXXX XXXX XXXXXXXX XXXX and provided them the tax exemption paperwork from the XXXX XXXX XXXX over XXXX days ago

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Sent letter to CAVALRY PORTFOLIO SVCS ( XXXX XXXX Debt ) XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Via Certified Mail, Return Receipt Requested RE : Demand for Debt Validation Balance : {$1500.00} Received no response. To Cavalry ( separate validation letter under 1692g ) : " This is a request for validation under 15 U.S.C. 1692g ( b ). I dispute this debt in its entirety. Provide within 30 days : ( XXXX ) the original signed contract with XXXX XXXX, ( XXXX ) complete chain of title under UCC 3-203 showing valid assignment from XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) itemized accounting of the alleged {$1500.00} balance, ( XXXX ) proof of your license to collect debt in Texas, and ( XXXX ) verification that this debt is not time-barred. Cease all reporting to credit bureaus under 15 U.S.C. 1692g ( b ) until validation is provided. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I am submitting this complaint because Santander Consumer USA wrongfully repossessed and sold my vehicle despite the fact that I was current on my loan. The vehicle had been lawfully impounded by the XXXX XXXX XXXX for tickets on or about XXXX XXXX 2025. I had plans to redeem the vehicle for the required {$820.00}. However, Santander intervened without notice and took possession of the vehicle from XXXX on XXXX XXXX 2025. Santander then demanded an inflated redemption amount of {$2600.00}, {$1400.00}, roughly in costs to cover fines and storage fees with XXXX along with a {$550.00} repossession fee. Santander then sent me a NOTICE OF REPOSSESSION AND NOTICE OF OUR PLAN TO SELL PROPERTY letter on XXXX XXXX, 2025, only after already redeeming the vehicle from XXXX XXXX XXXX. The vehicle was then sold on XXXX XXXX, 2025. Santander may argue XXXX XXXX of my contract allows them to pay fines or storage charges and seek reimbursement ; however, this does not give them the right to repossess or sell my vehicle when I was not in default. Although, Santander paid XXXX tickets to get the car released : That does not create a default That does not retroactively legalize repossession That does not justify selling the vehicle These actions interfered with my property rights, were unauthorized under my loan agreement, and violated federal and state consumer protection laws. I am seeking a full investigation, cancellation of any claimed deficiency, reimbursement of excess charges, and appropriate resolution for financial and credit harm caused by Santanders wrongful actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
The reported party : XXXX XXXX XXXX Citibank , N.A . XXXX XXXX XXXX XXXX NMLS ID : XXXX On XX/XX/XXXX, I visited your branch to open a business account. Since I had forgotten to bring my original SSN documentation, I was asked to email a photo of it to the manager. I did so immediately upon returning home. XXXX weeks have passed, and I have not received any account documents, nor has my email received any reply whatsoever. Based on my experience with other major banks like XXXX, I find this extremely unprofessional. On top of that, the delay has held up a number of my other processes for XXXX weeks. Even if the application wasn't approved, I should have been notified by email or mail, not left completely in the dark. The fact that my follow-up email also went unanswered speaks volumes about his work ethic. The fact in the feedback is not true. Not at all. XXXX XXXX XXXX did not contact me at all. He did not reject me at that moment. I was just informed to email him my personal SSN and wait. I emailed him immediately when I got back home, on a day of heavy snow. I emailed him through my XXXX email, which is officially monitored ; we can check the official recording to see if he replied to me or not. To date, it's already XXXX, and no one has ever contacted me. He did not even reply to that email. No one ever contacted me to inform me that the application had been denied. All that just happened silently? Doesnt he know that its already rude enough not to reply consumers email with personal information? And now he even lied about his behavior said he had ever tried to contact me. If he ever contacts me, I wont submit the complaint to the CFPB. Even though I was rejected, I should at least get a letter with formal reasons and details, instead of just nothing, not even a paper.

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 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
I began noticing unauthorized charges from XXXX on my Gemini credit card in XX/XX/XXXX. I immediately reported the fraud to Gemini, and they resolved the charges by crediting my account and issuing me a new credit card. However, shortly after activating the new card in XX/XX/XXXX, additional fraudulent XXXX charges appeared on my statement. I reported this to Gemini again, and they once more credited the amounts and sent me another new credit card. This pattern continued : After activating the subsequent card, more unauthorized XXXX charges showed up in XX/XX/XXXX. I reported it promptly, received credits, and was issued yet another new card. The same issue recurred in XX/XX/XXXX after activation, leading to another report, credits, and a new card. In XX/XX/XXXX, fraudulent XXXX charges appeared again following activation of the latest card. At that point, I specifically requested that Gemini place a permanent block on XXXX to prevent any further access to my card information or charges from that merchant. Gemini sent me an email in XX/XX/XXXX confirming that they had blocked the merchant from charging my account. Despite this assurance, after activating my most recent new card in XX/XX/XXXX, unauthorized XXXX charges began appearing literally every day on my statement. Gemini has not taken effective action to stop this ongoing fraud, even after multiple escalations and my repeated disputes of the charges. I have also contacted XXXX directly to report the fraudulent use of my card information, but they stated they were unable to assist or resolve the issue on their end. This recurring problem has caused significant frustration and financial inconvenience, as I have had to monitor my account constantly, dispute charges repeatedly, and deal with multiple card replacements. Gemini 's failure to prevent these chargesdespite their promised block and my ongoing reportsindicates a systemic issue with their fraud prevention measures, possibly related to automatic card updater features that continue to share my new card details with the fraudulent party. I am seeking intervention to ensure these charges stop permanently, all fraudulent amounts are refunded, and appropriate measures are taken against Gemini for their inadequate handling of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
l was checking my credit report on XX/XX/2025 and found account that is not belong to me on m report l did not autorize, open or benefit from this account this account was opened with out my knowledge or consent l did not apply for this account I did not sign any agreement and did not grant permission for anyone to use my personal information The presence of this account on my credit file is a result of unahutorize and fraudulent use of my identity the fraudulent item is from Portfolio recovery associates , LLC {$1400.00} l request that the federal trade commission classify this report as an identity theft report and all the credit bureaus and affected creditors recognize this declaration as evidence of fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
I do not recognize this debt, have no knowledge of any underlying account with the original creditor ( reported as Radius Global Solutions LLC ), and believe it is inaccurate, not mine, or unverifiable. I have never had any dealings with Radius Global Solutions LLC or the original creditor that would create this obligation. This appears to be a placed or purchased debt, but there is no proper documentation or validation supporting its accuracy or my responsibility.

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 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MO

Complaint narrative:
On or about XX/XX/year>, my account with Cash App was permanently deactivated without any clear explanation. The account had only been used for normal personal transactions, including temporary transfers from a family member and ordinary personal spending. No commercial activity, fraud, or prohibited activity occurred. On XX/XX/year>, I sent a written dispute requesting a manual review of my account, identification of the specific Terms of Service violation, and clarification of a disputed balance of approximately {$250.00} that the company claimed I owed. I also requested compensation for damages caused by the wrongful account closure and disruption of financial services. The company did not provide the requested information. Instead, I received a generic message referencing a separate CFPB matter that did not address my individual dispute. The company has still not explained why the account was permanently closed or provided documentation supporting the alleged violation. I am requesting a written explanation of the closure, cancellation of the disputed {$250.00} balance, confirmation that no collections or negative reporting will occur, and fair compensation for the harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: WA

Complaint narrative:
This complaint concerns a collection account reported by Diversified Adjustment in the amount of {$1600.00} that appears on my credit report. I believe this company has failed to properly follow the requirements of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding verification of the alleged debt. On XX/XX/2026, I noticed a collection account from Diversified Adjustment for {$1600.00} on my credit report. Because I did not recognize the account, I sent a written dispute and request for validation of the debt on XX/XX/2026. In my dispute, I specifically requested proper verification of the debt, including documentation proving the debt belonged to me and that the company had the legal authority to collect it. The company did not provide any documentation verifying my identity in connection to this account, nor did they provide sufficient proof that the debt was valid. Instead, the account continued to be reported to the credit bureaus without proper verification. Under the Fair Credit Reporting Act, companies are required to conduct a reasonable investigation and verify the accuracy of disputed information before continuing to report it. Additionally, debt collectors must provide validation of a debt when requested within the legally required timeframe. Diversified Adjustment has failed to provide adequate documentation proving that this account belongs to me or that the amount being reported is accurate. Because the company did not properly verify the debt and continued reporting it, this has negatively affected my credit report and financial standing. Reporting a debt without proper verification may constitute inaccurate reporting under the FCRA. I am requesting that this matter be investigated and that Diversified Adjustment be required to either provide proper documentation verifying the debt or remove the account from my credit report if they can not legally validate it. The continued reporting of an unverified debt for {$1600.00} is unfair and potentially in violation of federal consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ive been trying to get these items removed from XXXX XXXX XXXX Trans Union. Trans Union and XXXX are the two that have not deleted this information off my credit report. Its an accurate even my address is an accurate phone numbers is in accurate. I need all information updated and delete it at once. I have the right to a fair credit report by law.

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 2026-03-09 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: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX I made a purchase of a watch from a merchant under the idea that it was real. The amount was {$550.00}. After receiving the watch i found out it was an obvious fake due to the brand XXXX not making the type of watch i received.I opened the dispute and initially I was credited and was told I won the dispute. This all changed XX/XX/XXXX when they reversed the credit in the favor of the merchant. I have hardcore evidence that the watch I received is counterfeit. Discover refused to refund me and said over the phone theres nothing they can do because my dispute is with the merchant and not discover. That doesnt make sense but its what they told me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Company : Citibank , N.A . Product : Credit Card Citi XXXX XXXX XXXX : Billing dispute / Incorrect fees or interest What happened : On XX/XX/XXXX, I authorized a balance transfer of no greater than {$10000.00} from my XX/XX/XXXXXXXX account to my Citi XXXX XXXX credit card. The actual balance transfer request submitted was {$9100.00}. However, Citibank processed a balance transfer of {$14000.00}, which exceeded the authorized amount. I disputed this error with Citi and provided documentation showing the authorized transfer amount. After the issue was raised,XX/XX/XXXXXXXX XXXX ultimately reimbursed the excess principal amount that had been incorrectly transferred. However, Citibank has refused to remove the interest and related charges that resulted from the incorrect balance transfer amount. These charges would not have occurred if the correct balance transfer amount had been processed initially. The excess balance created by the incorrect transfer caused additional interest to accrue on my account. I contacted Citi multiple times by phone to resolve the issue and later submitted a formal written dispute by certified mail. XXXX tracking confirms that my dispute letter was delivered on XX/XX/XXXX. Despite this, Citi has refused to remove the interest and charges that resulted from the incorrect transfer amount. At the time this issue first arose, I was XXXX weeks pregnant, which limited my ability to respond immediately in writing. Nevertheless, I made multiple good-faith attempts to resolve the matter with Citi. I am requesting that Citibank : Reverse all interest and fees that resulted from the incorrect balance transfer amount ; and Confirm in writing that my account balance accurately reflects the corrected transfer amount and that no additional charges related to this error remain.

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 2026-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX La XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX : XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information being reported on my credit report under the provisions of the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ). The account listed below is being reported to XX/XX/XXXXXXXX XXXX XXXX as a charged-off auto loan with an outstanding balance. However, I have received IRS Form XXXX from the creditor indicating that the debt was canceled and discharged. Creditor Name : BRIDGECREST Account XXXX * * * Because BRIDGECREST has reported the debt to the IRS as canceled, continuing to report a balance due or charge-off status is inaccurate and misleading. A canceled debt should not continue to reflect an outstanding obligation. Under the Fair Credit Reporting Act, credit reporting agencies must ensure maximum possible accuracy of the information they report. Reporting a charged-off balance after issuing a XXXX constitutes inaccurate and inconsistent reporting. I request that you : Conduct a reinvestigation of this account. Verify the accuracy of the balance being reported. Remove the account entirely from my credit file if it can not be verified as accurate. If BRIDGECREST has indeed canceled the debt as indicated by Form XXXX, the account should be deleted or updated to reflect a XXXX balance with no outstanding obligation. Please provide me with written confirmation of the results of your investigation within the timeframe required by law. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

Complaint narrative:
I am disputing a collection account listed on my credit report because I do not owe this debt. The account was placed by a collection agency that I have never done business with, and I was never notified of any debt. I am requesting verification and supporting documentation to prove that I am legally obligated to pay. So far, I have not received any proof from the company. Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, I am asking for this account to be investigated and removed from my credit report if it can not be verifie

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Update to Complaint I would like to provide an update regarding my complaint against Comenity Bank. While the deferred interest charges remain under dispute, I intend to make a payment toward my account balance in good faith. This payment should not be interpreted as acceptance of the disputed deferred interest charges. I respectfully request that the issue continue to be reviewed and resolved fairly. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation