vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The issue started back in XX/XX/year>, I went to apply a credit online for my XXXX XXXX account and unknowingly. It selected all the open invoices and tried to pay them. I called Home Depot credit services to ask them to stop payment, and they told me I had to call my bank to do that. I had my bank put a stop payment towards this account, and now it took all the open invoices that I had and put them as one invoice that totaled the amount of {$4000.00} and change. Ive called and sent secure messages to Home Depot credit services regarding this matter asking them to reopen the individual invoices because I need them per job, and couldnt make the {$4000.00} payment at that time. They told me they could not reopen the invoices and the {$4000.00} is what was due, I asked multiple times to try to come up with a solution and neither Home Depot credit services or Citibank or any help, and now I keep incurring late fees on this account. I received a letter from Citibank stating if I was experiencing financial difficulty they offer solutions, so I reached out to them to discuss and they told me they could put me on a payment plan, but had no idea and could not tell me if this would be charged off as bad debt or paid satisfactory. Im trying to do my best to resolve this, but I am not getting any help from XXXX XXXX or Citibank in this matter. They told me that if I didnt join the program to make payments that if I just made monthly payments on it that it would still be charged off as bad debt. Im doing what I can to resolve this issue and make payments to keep my account in good standing, but I keep getting hit with late feesand Im not getting any help from either company.

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 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
XXXX  has held a standard bank transfer of {$60.00} for almost 10 days with no explanation. Support is inaccessible and I can not reach a human. I need the transfer either completed or returned to my balance immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am submitting this complaint regarding LVNV FUNDING LLC. ( XXXX ), who is attempting to collect an alleged debt with the amount claimed being {$360.00} or any other amount they assert. The debt has not been properly validated, and I dispute their attempt to collect this debt. LVNV FUNDING LLC has failed to provide any documentation to substantiate the alleged debt, and their collection activities are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I have not received any information verifying the debts validity, including the address of original creditor, and proof of their legal authority to collect on this alleged debt. I request the following actions from the CFPB : Investigate LVNV FUNDING LLC for their failure to provide validation of the debt as required under 15 U.S.C. 1692g of the FDCPA ; ensure that LVNV FUNDING LLC ceases all collection activities on this alleged debt, including reporting it to credit bureaus, until they provide proper validation documentation ; demand that any reference to this debt, be removed due to the lack of verification and substantiation ; and take corrective action to ensure LVNV FUNDING LLC complies with their legal obligations under the FDCPA and 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which mandates that only accurate and verifiable information is reported on consumer credit files. It is my belief that LVNV FUNDING LLC is violating my rights by attempting to collect a debt without proper validation, which has caused harm to my credit report and financial well-being. I ask the CFPB to ensure that LVNV FUNDING LLC. adheres to the law and removes any and all references to this alleged debt from my credit file. Furthermore, I request that LVNV FUNDING LLC cease all collection activities on this alleged debt unless they provide the necessary validation as required by federal law. Thank you for your attention to this matter. I trust that the CFPB will assist in investigating this issue and help ensure my rights as a consumer are protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I am filing this complaint regarding inaccurate and inconsistent credit reporting by Capital One Bank USA, N.A.

Although XXXX  states that this account was verified as accurate, the payment history reflects ongoing and repetitive charge-off notations and delinquency codes after the account was already charged off and closed. This constitutes improper re-aging and inaccurate reporting under the Fair Credit Reporting Act. 
Additionally, the reported balance exceeds the original credit limit without documentation supporting postcharge-off interest or fees. The continued monthly reporting of charge-off status improperly extends the negative impact of the account. 
I am requesting a full investigation and correction or deletion of this tradeline if Capital One can not provide complete and verifiable documentation supporting the accuracy of the reported information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
" I am filing a complaint against Santander Consumer USA for their failure to provide a copy of my Retail Installment Sales Contract ( XXXX ) for a XXXX XXXX XXXX ( Account # XXXX ). Despite a formal written demand sent on XX/XX/XXXX, and a follow-up notice, the creditor has ignored my requests. This is a violation of my rights under the Truth in Lending Act ( TILA ). I have made multiple verbal and written attempts to obtain my financing disclosures, but the company remains non-responsive. I request the CFPB 's assistance in compelling Santander to provide my executed contract immediately. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied for a Citi XXXX XXXX XXXX XXXX and was approved : The deal was that after spending {$3000.00} over three months I would receive XXXX XXXX XXXX frequent flyer miles. 

After spending {$3000.00} within the XXXX months I noticed that I did not received any miles credited. Neither the XXXX or the miles from the items purchased. 

I called and was told that because I already have a different active Citi American Advantage Credit Card from several years ago I would not be getting any miles on the new card. 

They are correct about the previous card, but why did they approve me for the second card when I already have a card from before. 

I completed the purchase of {$3000.00} over XXXX months, they did not hold up their part of the deal for XXXX miles. In addition, should I at least be getting frequent flyer miles credit for the dollars spent on purchases made? 

I canceled my card before the {$99.00} annual fee became due. If there is a favorable resolution to the problem I will gladly reinstate the Citi XXXX  Credit Card as my experiences prior to this current issue were OK.

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 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Dear Caine & Weiner I am writing in response to your attempt to collect an alleged debt that you claim I owe. This letter serves as my formal notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, that I am disputing this alleged debt in its entirety and am requesting full and complete validation. 
Until you provide proper validation as required by federal law, I am refusing to pay this alleged debt. Furthermore, you are hereby directed to cease and desist all collection activities, including but not limited to phone calls, text messages, emails, and third-party communications, except as specifically allowed by law. 
Required Validation Please provide competent evidence to substantiate your claim, including but not limited to the following : A copy of the original signed contract, credit agreement, or promissory note bearing my signature that shows I agreed to the alleged debt. 
A complete accounting and payment history from the original creditor, including the date of default and charge-off. 
Proof that Caine & Weiner has legal standing and ownership of this specific account, including a complete chain of title, bill of sale, and assignment documents identifying this account by name and number. 
Verification that any Form 1099-C, if issued, was properly filed with the Internal Revenue Service , if applicable. 
Affidavits or authenticated business records from a qualified custodian or witness with personal knowledge of the original creditors records, as required under the rules of evidence. 
Notice of Legal Rights Be advised that reporting or continuing to report this alleged debt to any consumer reporting agency without first providing proper validation constitutes a violation of the FDCPA and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

If you are unable to provide all of the requested documentation, you are required by law to immediately cease collection efforts, delete any credit reporting associated with this alleged debt, and close your file.

Communication Restrictions I do not consent to telephone calls, text messages, emails, or any electronic communications. All correspondence must be sent by U.S. Mail only to the address listed above.

Failure to comply with this lawful request may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Florida Attorney General, and pursuit of all civil remedies available to me under federal and state law. 
This letter is sent without prejudice and with full reservation of all rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing the accuracy, completeness, and legal reporting of the following account appearing on my consumer credit report : Creditor : XXXX XXXX XXXX Original Creditor : XXXX  XXXX, XXXX. 
Account Number : XXXX Balance Reported : {$2400.00} Status : Collection Account This account is disputed in its entirety. I am requesting a strict Method of Verification pursuant to the Fair Credit Reporting Act, including 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). I am not requesting assumptions, summaries, or boilerplate responses. 

To fully comply with federal law, you must provide all of the following : A copy of the original signed contract or application creating the alleged obligation If the account was opened electronically, documentation showing : The method of online application IP address Date and time of submission Authentication or identity verification procedures used If the account was opened in person, documentation identifying : The physical location The individual or entity that processed the application A complete account history from origination through charge-off, showing how the balance was calculated A complete chain of title, including : The bill of sale Assignment agreements Proof of lawful transfer from XXXX  XXXX, XXXX. to XXXX XXXX XXXX The name, address, and contact information of the person or entity that verified the account The specific documents reviewed during verification The date and manner in which the verification was conducted For clarity and to prevent improper responses : I am not asserting identity theft I am not admitting ownership of this account I am requesting validation and verification only I am not using a third party or credit repair organization Whether I use a third party is irrelevant and not a permissible basis to deny or delay verification I have previously received frivolous and non-responsive form letters, including : Generic statements that the account was verified Improper inquiries into third-party representation Identity-theft language that I did not request Such responses do not satisfy the Fair Credit Reporting Act. 

If you can not produce the documentation listed above, then this account is unverifiable as a matter of law and must be deleted immediately from my credit file. Continued reporting without proper verification constitutes inaccurate reporting and willful noncompliance. 

Please provide written confirmation of deletion or full verification within the statutory timeframe.

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 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelson and Kennard, LLP
State: ID

Complaint narrative:
I am filing a complaint against Nelson & Kennard , LLP, a debt-collection law firm, regarding misrepresentation and mishandling of a settlement payment on an XXXX XXXX XXXX account. 

In XX/XX/year>, I made a settlement payment that was returned with return code XXXX Refer to Maker, indicating the item was rejected by the payee rather than insufficient funds. I notified the firm in advance that the return was pending and made a second payment to ensure the settlement amount was received. 

Nelson & Kennard later issued me a refund labeled overpayment, yet simultaneously asserted that the settlement was not completed and reported adverse payment information to XXXX. Despite receiving funds and issuing an overpayment refund, the firm refused to provide any settlement-in-full confirmation or written explanation. 

When I requested clarification and documentation, the firm refused to respond in writing and stated that the issue was due to system coding and human error, while continuing to assert that the settlement failed. 

The firms actions created consumer confusion regarding the legal status of the debt, relied on internal system coding to override actual payment records, and failed to correct or clarify inconsistent representations. 

I am requesting CFPB review of whether this conduct violates the FDCPA, including misrepresentation of debt status, misleading silence after receiving payment, and improper handling of settlement funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/year> XX/XX/year> XX/XX/year> A merchant by the name of XXXX XXXX XXXX took money from my account with chime for a cancellation fee of services that were not rendered. I lost the card and reported the card stolen through online. I called chime on XX/XX/year> to let them know about the XXXX XXXX XXXX trying to debit my account without permission. Chime representative said don't worry the card is no longer active and XXXX can not debit money anyway. XXXX continued trying to take money from old debit card. On XX/XX/year> XXXX tried to debit my new card twice. I called Chime and spoke to XXXX who was rude and hesitated getting a supervisor. XXXX the supervisor transfer me to XXXX and they all refused to investigate how XXXX obtained my new debit card number. I did not give the XXXX XXXX my new debit card nor did they ever have account or routing number for a transaction. My account was compromised by some I within their company by giving the merchant my new debit card. Other than that the transaction would have never occurred on my new debit card. I ask them to investigate and they said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: MD

Complaint narrative:
My wife gave birth to our daughter XXXX months ago. At the hospital we were assessed a {$350.00} copay, which we paid using a credit card. The hospital provided a receipt. XXXX months later the hospital claimed we didn't pay the copay and owed them {$350.00}. The hospital insisted that our bank charged back the copay, which is ludicrous because we used a credit card and the credit card company confirmed that no charge back was made. Nevertheless the hospital sent the " debt '' to a collections agency. We provided the same proof the the collections agency in XX/XX/year>. The collections agency has not responded to our evidence and continues to insist that the debt is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
On XX/XX/year>, I received a forwarded email from a third party which included an email from Jefferson Capital Systems ( JCS ) to collect on an alleged debt.

JCS used an unfair collections tactic by sending my private information to a third party. This action has caused me irreparable harm. It has given a third person the idea that I am financially irresponsible. Prior to receiving the forwarded information I was not aware of this debt.

I asked JCS to provide proper and legal validation of this alleged debt {$200.00}. Please cease and desist all form of communications. 

Please contact me by mail, only if you are providing legal validation of this alleged debt. Please send me documents that state I am, without a doubt, the alleged person you are claiming this debt belongs to. Also include all signed contracts be JCS and myself showing that JCS provided services for the alleged debt and I agreed to pay JCS those services. 
Also note that statements are not proper or legal validation of debt, reference XXXX XXXX. vs XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I opened an account at Open Bank ( Santander ). When i transferred money in it took well over 1 week for the funds to be deposietd to my acocutn and accrue interest, eventhough the money came out of my other account in 1 day. I could also nto add my accoutn to a budgeting app to monitor the balance.

As a result I wanted to move the money out and not use this account. When I tried to do that, it said I could only transfer $ XXXX a day. After I did that, it put a block on my account. 

I just want to close the acocunt an put the money back into the account it come from. I am trying to pay for a downpayment on my home and I need the money. 

It is compeltely unfair for a bank to hold my money XXXX for 90 days. It's my money. I'm transferring it back tot he accoutn it came from. Why does that review an accoutn review? What is being reviewed on the account? I can't I talk to the people doing this so called review to answer any questions. It's a complete XXXX box.

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 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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