vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: SANTANDER HOLDINGS USA, INC.
State: UT

Complaint narrative:
The company has violated the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. It is illegal for XXXX to re-age debt by changing the original date of first delinquency ( DOFD ) to make it appear newer. When an auto warranty ( or XXXX insurance ) pays off a loan, the lender must refund any credit balance immediately and cease reporting the debt. Under Regulation Z ( XXXX CFR XXXX ), creditors must refund credit balances within specific timeframes. If the company continues reporting added interest on a fully paid-off account, they XXXX be violating the Fair Credit Reporting Act ( FCRA ) and acting illegally under the Truth in Lending Act ( TILA ), which did not take place. Under the XXXX XXXX XXXX XXXX ( amending the FDCPA ), debt XXXX must either speak to you or send written notice of the debt and wait a reasonable timegenerally interpreted as XXXX daysbefore reporting it to credit bureaus. XXXX must send a validation notice within XXXX days of initial contact, which did not take place. The account first appeared on my credit report on XX/XX/XXXX, then it was re-reported this year and has a new date of approximately XX/XX/XXXX, as the new re-aged date. Plus, the account number, address, and name are incorrect, so under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, credit reporting agencies must delete unverifiable informationsuch as incorrect account numbers, names, or addresses. If a creditor can not verify the account details, the information must be removed right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I paid my statement balance early, before it was due and I asked the person taking my information, if that would be all I had to pay for that month so I wouldnt be charged interest and he said that was all I had to pay. Then I told him that I wanted to close my account and if I could get back part of the {$100.00} I had paid for the whole year and he told me I would get all of it back. So I paid the interest eventhough I was misinformed by their company representative. Then they wanted to charge me interest on the interest and told me I wasnt getting anything back from the {$100.00} I had paid for the use of the card, the whole year. So I closed my account and will not do business with them in the future nor will I pay anything else bc of the bad misinformation I was given.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I told capital one that the tire was rotten I had to re buy a tire because the tire was not good I ask the reopen they never send me anything about my side of the store they just denied my claim they didn't get my side of the story in I'll will like my money back at all

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
An unauthorized credit freeze was placed on my Equifax credit file without my knowledge or consent, which I believe is the result of fraud or identity theft. Over the past XXXX months I contacted Equifax customer service and was directed to mail in my documentation. I did so on XXXX separate occasions via XXXX. At no point did any Equifax representative inform me that documentation was required to be sent via certified mail to be properly processed. I followed the instructions I was given in good faith. Despite submitting documentation twice, I received no acknowledgment, no investigation, and no resolution. As a direct result, I have been denied credit. Equifax failed me in the following ways : their customer service representatives failed to advise me of the certified mail requirement, causing months of unnecessary delay ; Equifax failed to act on documentation received via XXXX on XXXX separate occasions ; and Equifax has failed to investigate or resolve what appears to be a fraudulent or unauthorized freeze on my account. This appears to be a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires Equifax to conduct a reasonable investigation within 30 days of receiving a consumer dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
I was scammed by a company. I'm guessing overseas for installment payments on a software that I never received. I disputed the charges with chime bank. The ones that were posted because those are the only ones that I could dispute the posted transactions and I did a dispute and that dispute was approved. However, when I did the remaining charges. That were pending once posted, they denied all those charges on the dispute when I called to them and explained to them that these charges are from the same company for the same reason, and the only reason why they are not attached on the same dispute is because some were charged were pending, and some were completed, I appealed it. However, they denied my appeal even with me showing proof that I can not Contact this company to provide them anything about the company because I was scammed and I appealed it, and they approved one of the charges and denied all the rest when they are off for the same reason from the same company charging me under 3 different names every time I've called this week, which is about 3 times at the end of the conversation, they have hung up on me and not handled my dispute or or decided to open an appeal. Even though I pointed out to them that they approved, some and denied the others when they're all for the same reason, they are unprofessionality hanging up in my face, not letting me speak and not giving me any answers and not listening to what is happening, that is being done wrong. With my bank account and my money, they have now made my account overdrawn by reversing charges and they in all of the the appeals that I made, only one of the charges were approved, which makes no sense, because they're all the same reason for the same People, and they are hanging up in my face and and not doing anything about it, I'm talking about my bank chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX stated inquires and accounts are acts of fraudulent activity which I don't recognize. Please remove them from my Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I am submitting this complaint regarding my regular Macys card. I have been unable to view my transactions online for the current billing cycle, and my online statement is not reflecting my most recent activity. I am attaching screenshots showing the online account activity errors, including messages stating You have no transactions to view at this time and We encountered a problem processing your request. Please try again later. Because of this, I can not properly verify charges, monitor my balance, or confirm that my account is accurate. This is especially concerning because I have previously found billing errors on my account. Access to current transaction information is essential so I can review my charges before making payment. I contacted customer service on XX/XX/year> regarding this issue, but it still has not been resolved. My bill is due on XX/XX/year>, and this issue is still lingering as that due date approaches. I want this matter resolved well before my bill is due and before I make payment, so I can verify the accuracy of my account. I am requesting that the company restore accurate online transaction visibility for my regular Macys card, ensure that my online statement and account activity reflect recent transactions correctly, investigate and correct any related billing or account servicing issues, and provide a prompt written response before my upcoming payment due date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: PINNACLE FINANCIAL PARTNERS, INC.
State: MI

Complaint narrative:
First progress bank charged me a extra {$30.00} for a charge back that my bank neither than I started I was told by first progress that my payment was successfully paid for and was processed they stuck me with a {$30.00} extra charge for no reason, all of my past payments always went through never had a problem and always paid before the due date

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have a PayPal account to use for money transfer to grandson. PayPal allowed an individual to pull {$500.00} out of XXXX of my bank accounts without my knowledge. I just happened to look at my accounts in the bank and noticed monies missing. Generally, I would receive notification that a transaction is about to occur and the date of the transaction. I never received that notification on XX/XX/XXXX, but did receive it from PayPal on XX/XX/XXXX at XXXX. PayPal states this was a valid transaction. I asked them for a receipt, a shipping label with a tracking number. This was not given as PayPal stated it was a MONEY transfer which I authorized because of an IP address that is associated with me. I have no idea how this occurred and PayPal simply tells me the resolution has been closed. I have tried XXXX times for a resolution to no avail. I mentioned that PayPal is harboring a thief and you do not seem that interested. I have never met this person that took the monies... never authorized any transaction with a XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: LA

Complaint narrative:
I recently got a medical collection on my credit report for {$1500.00} of unpaid medical debt. It looked unfamiliar so I disputed it with both XXXX and XXXX saying that I have no knowledge of this medical debt. The dispute came back denied and then I was sent a letter by the United Collection Bureau ( which I will attach these papers to the file ) saying that this information was accurate and they also attached a paper ( Not a verified itemized bill or statement ) listing the date, the description and the amount owed. So I decided to do further investigation for myself on my XXXX account and I did indeed see a bill statement for the same date but it was no where near {$1500.00}, the actual amount owed was {$190.00} ( which I will attach the final statement to the files ) after payment adjustments. But even before the payment adjustments I was never charged {$1500.00} nor did I go to the emergency room any other time on that date ( the date is listed as XX/XX/year> ). So after that I disputed the collection again with XXXX and XXXX with this newfound information asking for proof ( and I can attach the dispute results as well ) and XXXX denied my dispute almost within a week, XXXX in 2 weeks. But I have proof that this information that the United Collection Bureau has given me is inaccurate all around the board.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: IL

Complaint narrative:
I respectfully request reconsideration of the denial of my private loan relief application dated XX/XX/year>. I dispute the determination that my submission lacked sufficient explanation or evidence. I provided court documentation, a letter from legal counsel, and my original federal predatory lending application, all of which establish misconduct by XXXX XXXX and XXXX XXXX. This misconduct has already been recognized through legal action and directly induced me to take out private student loans. The harm is financial and ongoing : I incurred substantial private loan debt based on deceptive representations and have received none of the promised educational value. The causal link between the misconduct and my loans is direct and documented. I was unaware until XX/XX/year> that private loans could be challenged under a holder-based framework and applied promptly upon learning this option. Any delay in filing reflects delayed awarenessnot lack of diligence. My private loans have been sold and transferred multiple times, and I am unclear who currently holds them or whether payments benefit the original institution. Under the FTC XXXX XXXX ( XXXX C.F.R. XXXX ), all current holders are subject to the same claims and defenses I could assert against the original school. Loan transfers do not extinguish borrower defenses. For these reasons, denying my application based on sufficiency or timing is inconsistent with federal consumer protection law. I request reconsideration and application of the FTC XXXX XXXX to my private loans. Thank you for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: MO

Complaint narrative:
I am submitting this follow-up because the response provided by Continental Finance Company does not match the current status of my account. In their official response to my complaint, the company stated the following : * My account is current * My payment plan has been satisfied * A late fee was reversed * My account has not been reported late However, after receiving this response, my account activity shows conflicting and inconsistent actions : * A late fee was re-applied after being reversed * My account remains restricted/on hold * I was informed by customer service that a recent payment declined, despite having proof of payment and a transaction record This directly contradicts the companys formal written response. Additionally, I was required to make an additional payment under the instruction that it would result in the hold being removed, which has not occurred. At this point, there appears to be a failure to properly apply or reconcile payments, along with inconsistent account handling and communication.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I created an online account through Huntington Bank on on XX/XX/year>. I set up my direct deposit to go in on the XX/XX/year>. The day my check was deposited my account was frozen and closed. They allowed my check to be deposited and it said it was available. I walked an hour and a half 2 days in a row being told I could pick it up. When I got to the bank they said it was pending and the next day that they couldnt see it in my account. I called customer service for the 6th time and they said the funds were pulled from my account and they were sure what they were doing with it. I am so upset. I already have 2 late fees, XXXX from walking and not a penny to even buy food and Huntington doesnt care at all. As of today they still have my check and refuse to give it to me and I have done nothing at all. The first day they closed my account when I called it said I had a deposit of {$6700.00} pending. I reassure I did not and they refused to answer questions about the pending deposit. Then when I went in the bank they said I had a previous account which I assure you I did not. I have asked if someone is committing fraud on my name and they wont reply. I want my money, I want answers and I want reimbursement for my late fees, stress and time. I am so upset please help me. I am calling my state representative tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC is reporting unverified and disputed debt on my credit report Complaint Details : I am filing a complaint regarding multiple accounts reported by LVNV Funding LLC on my credit reports. They called my mom and left messenge with her releasing personal information. This is how I became aware LVNV is looking for me. I have disputed these accounts with the credit reporting agencies. The accounts continue to be reported as verified, however I have never received proper validation from the debt collector. Additionally, LVNV Funding LLC or its affiliates contacted a third party ( my family member ) and left a message, which may be a violation of the Fair Debt Collection Practices Act. I requested full validation of each alleged debt, including : Original creditor information Full chain of title Signed agreement linking me to the debt Complete payment history No sufficient validation has been provided. I am requesting : Immediate investigation of these accounts Proof of validation used to verify the accounts Correction or deletion of inaccurate reporting Review of third-party communication practices This reporting is negatively impacting my credit profile and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Recently, Synchrony Bank unexpectedly closed my credit card accounts without providing a valid reason or prior notice. I have maintained my accounts in good standing, and this sudden closure has negatively impacted my XXXX XXXX and financial standing. I contacted the company 's customer service department on [ XX/XX/year> ] but did not receive a clear explanation as to why this decision was made unilaterally. I consider this action to be unfair and detrimental to my credit history. I request that Synchrony Bank take the following actions : Account Reinstatement : That my lines of credit be restored under the same terms that existed prior to the closure. Credit Report Correction : That credit reporting agencies be notified that the accounts were closed in error, or, alternatively, that any negative marks resulting from this abrupt closure be removed. Detailed Explanation : A formal letter explaining the actual reason for the closure should you decide not to reopen the accounts. Requesting a credit limit increase does not constitute a violation of terms and conditions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Management Services, LP
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX CAPITAL MANAGEMENT SERVICES, L.P. XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX REF # : XXXX XXXX XXXX XXXX Account ending in XXXX Amount claimed : {$2300.00} BE ADVISED, this is NOT a refusal to pay, but a formal complaint filed pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. On XX/XX/XXXX, I sent CAPITAL MANAGEMENT SERVICES, L.P. a detailed DEBT VALIDATION REQUEST via certified mail. I clearly disputed the debt and demanded specific competent evidence, including All statements while this account was open, along with the full list of 10 required items and all supporting documents listed in my request. On XX/XX/XXXX, Capital Management Services responded with a partial VERIFICATION OF DEBT package. While they included some recent XXXX XXXX XXXX account summaries, demographic information, partial statements, interest calculations, and transaction details from XXXX, they completely failed to provide All statements while this account was open and the vast majority of the specific documents and information I explicitly requested in my XX/XX/XXXX validation letter. The following mandatory items remain missing or incomplete : All statements while this account was open ( only a few recent/partial statements were provided ) The Agreement with their client ( XXXX XXXX XXXX XXXX XXXX. ) that grants XXXX XXXX XXXX, XXXX the authority to collect this alleged debt Any Signed agreement the Debtor has made with the Debt Collector, or other verifiable proof that the Debtor has a contractual obligation to pay the Debt Collector Any agreement that bears the signature of the Debtor wherein the Debtor agreed to pay the Creditor Date this alleged debt became payable Date of original charge-off or delinquency Whether this debt was assigned to a debt collector or purchased ( with full details, amount paid if purchased, and commission ) The name and address of the bonding agent/surety for XXXX XXXX XXXX XXXX Because XXXX XXXX XXXX has failed to provide complete validation ( including All statements while this account was open ), all collection activity must immediately CEASE and DESIST, including any and all reporting or maintenance of negative information on my credit reports with XXXX, XXXX, or XXXX .

Company response to consumer: Closed with explanation