vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SANTANDER HOLDINGS USA, INC.
State: OK

Complaint narrative:
I am filing this complaint regarding Santander Consumer USAs handling of a personal property loss claim involving a vehicle picked up from impound by XXXX on Santanders behalf. At the time the vehicle was picked up, it contained substantial personal property stored primarily in the trunk and back seat area. The property included jewelry, electronics, personal belongings, and a XXXX XXXX containing credentials/access information related to XXXX holdings. I have supporting documentation for the property, including : * the police property sheet, * receipts for replacement items, * and receipts for some of the original purchased items. Neither Santander nor XXXX notified me that they had possession of my belongings or that the property would be discarded. A timely attempt was made to recover the belongings, which Santander later acknowledged during phone conversations. Santander also initially accepted liability for the loss and reopened the claim after reviewing the documentation provided. Despite this, the property was ultimately discarded. XXXX apparently failed to properly document the contents of the vehicle. I was informed the only photographs taken were limited exterior photos and a partial interior driver-side photo. No photographs were taken of the trunk or back seat area where the majority of the belongings were stored. After extended delays and inconsistent communication, Santander ultimately offered only {$2000.00} to resolve the matter. I believe this matter reflects failures involving : * safeguarding and handling personal property, * failure to notify, * inadequate documentation and preservation practices, * and improper handling of the resulting claim after liability was initially acknowledged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
Company called on Tuesday, XX/XX/year>, and left a voicemail claiming to be from XXXX and stating they needed to speak with me " regarding an important business matter. '' Company failed to identify themselves at National Credit Systems , Inc. or to disclose that they were attempting to collect a debt, violating consumer protection laws. Furthermore, company signed for a written dispute of the debt, including instructions to communicate via writing only, via Certified Mail on XX/XX/year>. Continuing to call is also a violation of consumer protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: GA

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: PA

Complaint narrative:
On XX/XX/year>, I noticed XXXX fraudulent transactions on my XXXX XXXX, Credit Karma Money account and disputed them through the app and calling into customer service. The transactions were from XX/XX/year> and XX/XX/year> in the amounts of ; {$500.00}, {$970.00}, {$970.00}, {$970.00}, {$970.00}, {$970.00}, and $ XXXX total of all charges {$6300.00}. The transactions were all from a XXXX. XXXX XXXX they closed the dispute stating they could not approve the disputed claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
Despite assurances by the original creditor back in XXXX that this invalid debt would no longer be collected, I was surprised to find out that this invalid debt has been forwarded to a third party collection agency. However, as I shared with the original creditor, and now the third party collection agency is that this debt was improperly withheld from my security deposit and we were not notified of the withholding of the deposit, and additional expenses both of which were never communicated in accordance with state law. In South Carolina, the landlord must within 30 days notify the tenant of withholding of security deposit and send itemized expenses if withheld. If notice is sent by mail, it must be done so via certified or registered mail. In this case, neither was done. As the attachment shows the relevant law, and the fact that the letter dated XX/XX/XXXX is well past the 30 days of our moveout date in XX/XX/XXXX. Unlike XXXX XXXX with National Credit Systems insists, by virtue of certified/registered mail there would be a trace of this. However, we were never informed of the withholding and subsequent charges, in which we walked through the apartment with a manager of the property, and they were satisfied of the condition of the unit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Universal Technical Institute
State: NC

Complaint narrative:
The school is scamming me and other students out of our money, I am a XXXX XXXX Veteran, they are forcing people to get loans to pay for the school but then teach us nothing and take our money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Benht: Economic Development Corporation
State: CA

Complaint narrative:
in XX/XX/year> I was struggling with financially, due to the car accident can not go out to work, and i need money to pay the bills. I search online, XXXX lending compny pop up. i request for {$2000.00}. but got approved for {$400.00}. and transfer to my checking account. I call this number XXXX she told me if iwant to pay off in 3 days is {$400.00}. If I pay off by XX/XX/year> is {$590.00} and have to call in advance 3 days ( XX/XX/year> ) their website ( www.Birchlending.com ) not allowed to pay on line, only call them. my XXXX direct deposit on every XXXX of the month. XX/XX/year> automatics withdraws {$190.00} XX/XX/year> " -- -- -- -- -- -- - '' {$190.00} XX/XX/year> " -- -- -- -- -- -- - '' {$190.00} XX/XX/year> " -- -- -- -- -- -- - '' {$190.00} as today the pay off amount is {$550.00} ( XX/XX/year> ) at XXXX this morning XX/XX/year> I call to pay off {$550.00}. right a way. but no confimations number nothing. I'm scares to death. plase help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am writing to address an account being reported on my credit report for which I requested debt validation. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and requested proper verification of the alleged debt. However, I have not received sufficient documentation to confirm that this debt is mine, that the amount is accurate, or that the collector has the legal authority to collect. Despite the lack of proper validation, the account continues to be reported on my credit file, which is negatively impacting my credit. I am requesting a full investigation. Any information that can not be properly verified must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, Pa XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Regarding Exposure of Personal Information and Financial Harm To Whom It May Concern, I am submitting this complaint because I believe my personal and sensitive information was exposed or compromised, causing severe financial and personal hardship. The information that was affected includes my Social Security number, family members names, email addresses, phone numbers, home addresses, and debit card information. Since this exposure occurred, I have experienced serious consequences that have negatively impacted my life and finances. I believe the unauthorized access and use of my information has contributed to financial losses and debt. My debit card information and personal details were compromised, creating ongoing issues with my financial stability and security. This situation has caused significant stress, concern, and hardship. I am deeply worried about identity theft, fraudulent activity, damage to my financial standing, and future misuse of my personal information. I am requesting a thorough investigation into this matter and assistance in determining responsibility and any available remedies. I ask that appropriate action be taken to address this issue and help protect me from further harm. I would also appreciate guidance regarding any additional protections, corrections, or actions I should take. Thank you for your attention to this matter. I look forward to a response and resolution. Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing a complaint about Bank of Americas recent change to how its own credit cards are paid in online banking. For years I paid my Bank of America credit card through the normal Bill Pay list, and I had payments set up there. After a system change, my credit card was moved out of Bill Pay to a different Pay & Transfer area and my existing payment setup effectively stopped working. I did not receive clear, prominent notice that my scheduled payments would be canceled or that my card would no longer appear in the Bill Pay list. As a result, I unintentionally missed a payment, which exposed me to late fees, extra interest, and possible harm to my credit. When I contacted the bank via chat, the agent sent me a broken link and then an automated message telling me to call a tollfree number instead of addressing the problem.

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 2026-05-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: NY

Complaint narrative:
In XX/XX/year>, my XXXX XXXX card was locked due to alleged unauthorized use. Since that time, I have contacted XXXX XXXX numerous times and completed identity verification on multiple occasions. During each contact, I was advised that a replacement card or check would be sent within approximately XXXX weeks. No card, check, or resolution has been provided. As of XX/XX/year>, approximately {$4600.00} remains inaccessible. On XX/XX/year>, I spoke with a XXXX XXXX XXXX identified only as XXXX, who refused to provide identifying information and ended the call without resolving the issue

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: The Savings Group, Inc.
State: MO

Complaint narrative:
I was refinancing my truck from XXXX XXXX to XXXX XXXX. On XX/XX/XXXX I XXXX my truck title to XXXX. On XX/XX/XXXX the representative, XXXX XXXX text me and said i needed to add my XXXX to my insurance because he is the primary borrowerer. I told her I am not adding him, as it will increase my insurance rates and never drives the truck. I told her to send my title back. The title was received by them on XX/XX/XXXX. I emailed XXXX XXXX and XXXX XXXX on XX/XX/XXXX and asked when I can expect to recieve my title back, as refinance was cancelled. I received no response. On XX/XX/XXXX I sent a text to XXXX and asked again about when I can expect my title. Again, I have received no response. I just need them to mail me my title back, I live in MO, owners keep their titles.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: GA

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I have never had a credit card in my life. And I decided to set up a credit card through " XXXX with synchrony bank ''. Since then Synchrony has been withholding credit balance after account closure and has had repeated unfulfilled promises of payout. I set up an XXXX secured credit card through Synchrony Bank using a minimum deposit. After experiencing repeated logging and technical issues, I decided to close my account and request a refund of my deposit money on XX/XX/2026. I confirmed my mailing address was completely correct and was told it would take XXXX to XXXX business days to receive my check. It never arrived. I called back on XX/XX/2026. The agent claimed my mailing information was incorrect, even though I had confirmed it previously. We re-verified the exact same address, and they promised a XXXX check. Another XXXX business days plus XXXX weeks passed, and still nothing arrived. When I called back another time, agents and upper management refused to provide a tracking number, refused to overnight the mail, and stated the only option was to cancel the check and make me wait an additional XXXX to XXXX business days for a XXXX time. Synchrony Bank is trapped in an internal loop and is unlawfully withholding my property. The attached pictures show my online dashboard history, attempting to send it, but I have received no physical payout.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Domestic wire transfer misapplied due to incorrect account number and was not received by the intended brokerage account in my name. XXXX : {$2200.00} Dates sent : XX/XX/year> in amt. of {$750.00} and XX/XX/year> in amt. of {$1500.00} Sending bank : Wells Fargo Receiving bank : XXXX XXXX Intended receipient : XXXX XXXX XXXX. ending in ... XXXX ISSUE : Wire was credited to an incorrect account ending in ... XXXX at XXXX XXXX I request the following immediately : written confirmation with dates of Fed recall requests from both Wells Fargo and XXXX to the occupant of the account where the funds are deposited ie. account ending in... XXXX. I request that any remaining funds in the ... XXXX acct. at XXXX be frozen pending further investigation. I request written confirmation of all actions taken by both Wells Fargo and XXXX including preservation of records and return of the misapplied funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: OH

Complaint narrative:
I am filing this complaint against Eastern Account System regarding a collection trade line they placed on my credit reports for an alleged balance of {$160.00} ( associated with XXXX XXXX XXXX XXXX under account numbers XXXX / XXXXXX/XX/XXXX). First and foremost, I am exercising my rights under 15 U.S.C. XXXX and 15 U.S.C. XXXX to formally request complete validation of this debt, which I do not recognize or acknowledge liability for. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), if this agency failed to send the required initial written notice containing my dispute rights within XX/XX/XXXX days of their initial communication, they are in direct violation of the law. I demand competent, first-hand evidence to prove I owe this money, including : A copy of the original contract or utility application bearing my signature. An itemized statement showing exactly how the {$160.00} balance was calculated. Documentation proving the account was legally assigned or transferred to them. Proof that they are licensed to collect and report consumer data in my home state. Aside from their failure to validate this unverified claim, a review of my credit files reveals severe, conflicting technical reporting errors that violate federal standard procedures : Failure to Verify/Dates Mismatch : The " Date Last Active '' is listed as XX/XX/year> on XXXX bureau and XX/XX/year> on another. Illegal Account Classification : They are reporting this assigned, defaulted utility debt as an active " Open account '' on XXXX bureau, a " XX/XX/XXXXMonth '' term obligation on another, and a " Collection Account '' on aXX/XX/XXXX Duplicate/Triple Reporting : This single alleged debt is being reported multiple times, creating a highly damaging and duplicate reporting structure that artificially inflates my negative accounts. Account Number Discrepancies : The reported account numbers change completely across bureaus, using inconsistent masked strings and long sequences of zeros. Eastern Account System can not legally collect on an unverified debt while simultaneously polluting my credit reports with contradictory, unvalidated, and duplicate information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
On XX/XX/year>, I received a collection notice from XXXX XXXX XXXX regarding an alleged debt of {$6000.00} on a XXXX XXXX XXXX account. The notice instructed me to dispute by XX/XX/year>. On XX/XX/year>, I sent a written debt validation request via USPS certified mail, disputing the debt in its entirety and requesting validation pursuant to FDCPA 1692g. The letter was delivered to XXXX 'XXXX XXXX XXXX, PA address on XX/XX/year> at XXXX ( USPS Tracking No. XXXX ), confirmed delivered to an individual. XXXX never responded. No validation was provided. No communication of any kind was received in the XXXX days following confirmed delivery. Despite this, collection activity continued my account was reported as XXXX, XXXX, and XXXX days past due to XXXX, and the account was closed by creditor action. All of this occurred while my timely validation dispute was legally required to suspend all collection activity under FDCPA 1692g ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year>, I sent {$100.00} via Chime to account XXXX XXXX ( XXXX XXXX ) for XXXX XXXX XXXX concert tickets for XX/XX/year>. We had a clear written agreement via XXXX that tickets would be transferred immediately once I made the first half payment of {$380.00}. The seller repeatedly promised the tickets were mine and that they would be sent right away upon payment. On XX/XX/year>, I sent the remaining {$280.00} to the same account, completing the {$380.00} first half payment. After I completed the payment, the seller changed the terms and suddenly demanded full payment of {$760.00} before transferring any tickets, which completely contradicted our original agreement. The seller also directed me to a second Chime account called XXXX XXXX, which Chime flagged and blocked as suspicious. No tickets were ever transferred to me. When I contacted Chime to report the fraud and request a reversal, they told me they could not reverse the settled payments. I have full screenshot evidence of the written agreement, both payment confirmations, Chime flagging the second account as suspicious, and the seller refusing to honor the original terms.

Company response to consumer: Closed with explanation