vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: UT

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX, Arizona back in between XX/XX/XXXX and was set up with Santander Consumer USA for my auto loan lender. I found out I am just paying the interest rate and my payments are not going towards the loan. I have paid around {$7000.00} in payments, the loan started at {$14000.00} but the account balance for the loan still shows {$12000.00} as of today. The loan should be at around {$6000.00} or {$7000.00}. My monthly payments are {$350.00}. Since I got the vehicle every time I get a car issue fixed a new problem occurs. Due to the high interest rate with Santander Consumer USA it's causing be to be way upside down on my cars equity and making it hard to trade my car in for a different vehicle. I asked Santander Consumer USA if I could get refinancing but they said they don't do that. I also asked XXXX XXXX in XXXX, Arizona if I could get a refund or credit on what I have paid but they said I signed the deal and are not willing to do that. I am stuck with a bad car, a bad deal, and a bad auto loan. I want out of it!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: AL

Complaint narrative:
Trying to open An account, I need to know the reason why I can't open 1?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Midland Credit Management is reporting a collection account on my credit reports that I dispute as inaccurate and unverifiable. I previously disputed the account and requested documentation verifying the debt, including the original contract, complete payment history, and documentation demonstrating Midland Credit Managements legal right to collect and report the account. The requested documentation has not been provided. Under the Fair Credit Reporting Act, companies furnishing information to consumer reporting agencies must conduct a reasonable investigation and ensure the accuracy of information being reported. If the account can not be verified with competent documentation, the tradeline should be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: CA

Complaint narrative:
LVNV LLC opened collections account on XX/XX/year>. I have requested LVNV to provide proof of debt by providing me with original contract with wet signature of debt account, along with valid account statements, proof of purchase, proof of accurate reporting statements. Additionally, I have requested proof of account ownership, by providing original purchase agreement/contract with wet signature. LVNV LLC has failed to provide legally required proof of debt contract and validation that I am the owner of this debt. LVNV LLC has been illegally and inaccurately reporting revolving debt collection balance of {$930.00} to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit Acceptance has refused to provide me with account information and accurately update 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 2026-03-09 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: Block, Inc.
State: CA

Complaint narrative:
Block, Inc. reported nearly $ XXXX in XXXX income to the state of California in my name. When I reached out to dispute the XXXX, they asked for information I don't have because I didn't open the account. They are refusing to investigate or correct the error, leaving me with an {$82000.00} tax bill. This is the second time that they said they couldnt find an account. Theres obviously not an account in my name because who ever did this used my social.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: DE

Complaint narrative:
I sent a message to support to receive an update on this particular case and was told there was no information regarding this case and to file a new dispute. This is the 3rd time I have been through this with the same matter and I FEEL as thou they had a part to do with my money being taken and now I would like to take furrher actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/year> I made an error in which I paid money on a closed account. through our joint bank account I have reached out to Citi by calling them numerous times only be told to send letter On XX/XX/year> I send a detailed letter explaining what happened and document from my our bank attesting that we did in fact pay them. as of present no response

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 2026-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I found out that I have a pending student loan on my credit report. I sent a complain that somebody might use my identity in a way I know nothing about. Its been months and its still on my credit report. I have no idea and I havent applied for any loan and I havent go to no school. I dont even have a certificate. How do I go to school?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: GREENSKY OPERATIONS, LLC
State: GA

Complaint narrative:
I opened up a {$14000.00} project loan through XXXX XXXX in XX/XX/XXXX for a privacy fence. I have been paying {$260.00} per month every since. Each month, I receive a {$150.00} finance change, which I feel had been really ridiculous causing me to make no headway towards closing this account with a XXXX balance. As a result, as of today ( XX/XX/XXXX ) I still owe {$13000.00}. I have complained to this company in their online email portal at least XXXX different times over the past XXXX and half years. Is there anyway I can get out of this loan agreement without the need to file bankruptcy. This is the only account that I have ever had that seems to have ballooned in this manor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV Funding LLC is currently reporting three separate collection accounts on my credit report : Account # XXXX Original Creditor : XXXX XXXX XXXX {$630.00} Account # XXXX Original Creditor : XXXX XXXX XXXXXXXX {$1200.00} Account # XXXX Original Creditor : XXXX XXXX XXXX XXXX {$720.00} Before these accounts appeared on my credit report, I never received any written notice, dunning letter, or initial communication regarding these alleged debts. Under the Fair Debt Collection Practices Act, a debt collector is required to provide written notice of the debt and the consumers rights within five days of initial communication. LVNV has never provided proof that such notice was ever sent before these accounts were placed on my credit report. After discovering these accounts, I requested proper validation. Instead of providing lawful validation, LVNV responded with internal account summaries created by its servicer and copies of historical billing statements allegedly from the original creditors. These documents do not establish that I legally owe the debts or that LVNV has the authority to collect them. LVNV also refused to provide documentation demonstrating the transfer of ownership of the accounts, including the purchase and sale agreement or other documentation establishing the chain of title from the original creditors to LVNV Funding. Without documentation establishing that these specific accounts were legally transferred to LVNV, there is no proof that LVNV has the authority to collect or report them. I am attaching the documents LVNV provided as validation so that the CFPB can review exactly what the company considers proof of a debt. The materials provided consist largely of internal summaries and billing statements, which do not constitute lawful validation under federal law. Additionally, LVNV never addressed the fact that I did not receive any initial notice before these accounts appeared on my credit report. Because of the seriousness of these violations, I have also filed complaints with the Federal Trade Commission and my State Attorney General. Please see the attached documentation. At this point, there is a complete record of my disputes, the documentation provided by LVNV, and the companys failure to provide proper validation or proof of notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Borrower passed in XXXX. Servicer always dismisses information family reported. Son has become executor of state. Service has many fraudulent methods. Payment are inflated and not accurate. Family ask for a forbearance during probate. Now account is in default. Family seeks a buyout. However, after years of payments the loan price stays the same. Family is seeking a fair market buyout the reflects an accurate number

Company response to consumer: Closed with explanation
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: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Resurgent Capital Services is reporting a collection account on my credit reports that I dispute as inaccurate and unverifiable. I previously disputed the account and requested documentation verifying the debt, including the original contract, payment history, and documentation demonstrating that Resurgent Capital Services has the legal right to collect and report the account. The requested documentation has not been provided. Under the Fair Credit Reporting Act, companies furnishing information to consumer reporting agencies must conduct a reasonable investigation and ensure the accuracy of information reported. If the account can not be verified with competent documentation, the tradeline should be deleted from my credit reports.

Company response to consumer: Closed with explanation
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: Spring Oaks Capital, LLC
State: IN

Complaint narrative:
Spring Oaks Capital is reporting a collection account on my credit reports that I dispute as inaccurate and unverifiable. I previously disputed the account and requested documentation verifying the debt, including the original contract, payment history, and documentation demonstrating that Spring Oaks Capital has the legal right to collect and report the account. The requested documentation has not been provided. Under the Fair Credit Reporting Act, companies furnishing information to consumer reporting agencies must conduct a reasonable investigation and ensure the accuracy of information reported. If the account can not be verified with competent documentation, the tradeline should be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY

Complaint narrative:
I went to the establishment paid my debt and it still showed up on my credit which has lowered my credit score significantly.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
National Credit Systems is reporting a XXXX rental debt for XXXX XXXX XXXX. My monthly rent was XXXX. In their Final account statement Revised dated XX/XX/XXXX, they claim I owed XXXX in unpaid rent at moveout, which would equal about XXXX months of unpaid rent. I lived at the property for over XXXX years, was on monthtomonth after the first year, gave notice and moved out in XX/XX/XXXX, and immediately started a new lease in a house in XX/XX/XXXX. I was not XXXX months behind on rent and was never evicted. The revised statement is an afterthefact reconstruction with no monthbymonth ledger and does not accurately reflect my payment history. I am requesting that XXXX provide a full transaction history or correct/delete this collection from my credit reports because the amount they are attempting to collect is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CO

Complaint narrative:
I am pursuing XXXX XXXX XXXX XXXX ( XXXX ) and have XXXX Consolidation Loans serviced by MOHELA. I have worked for a qualifying public service employer for over XXXX months yet I do not have credit for XXXX months of eligible payments. Several months that could have counted toward XXXX occurred during a period when my loans were placed into administrative forbearance. I did not request this forbearance and therefore was unable to make qualifying payments during those months. Because of this, I submitted a XXXX Buyback request through the Federal Student Aid reconsideration process in XX/XX/year> so that I could pay for those months and have them counted toward my XXXX total. My request has now been pending for a year with no meaningful update or resolution. This delay is preventing accurate accounting of my qualifying XXXX payments and may be delaying my eligibility for loan forgiveness. I have contacted MOHELA and Federal Student Aid multiple times and have also sought assistance through my XXXX XXXX. Despite this, I have received no timeline or resolution regarding the buyback review. I am requesting that my XXXX Buyback request be reviewed and processed so that the affected months can be evaluated and, if eligible, applied toward my XXXX payment count. Thank you for your assistance in reviewing this matter.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-08 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
There were accounts that were opened fraudulently and being reported on my credit report. I contacted the company to have the accounts removed. Some of the accounts were removed but I am following up to remove the inaccurate accounts that were opened fraudulently and party of idtenty theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Consumer Financial Services Solutions, Inc.
State: NY

Complaint narrative:
I enrolled in Beyond Finance 's debt settlement program on XX/XX/XXXX, Account XXXX. Both enrolled XXXX XXXX accounts have been successfully settled through XXXX XXXX XXXX. I have made consistent bi-weekly deposits throughout the program totaling over {$31000.00}. Beyond Finance has verbally claimed I owe approximately {$4000.00} in additional program fees. Over the course of XXXX separate phone calls, I have requested written documentation of this claimed balance, including an itemized fee ledger, the contractual basis for the calculation, and a written payment schedule. Each time, Beyond Finance representatives have refused to provide any written documentation and have insisted the matter can only be discussed by phone. On XX/XX/XXXX I sent a formal written dispute to XXXX and XXXX demanding written documentation within XXXX business days. As of the date of this complaint, no written response has been received. The refusal to provide written documentation of a claimed {$4000.00} balance despite repeated requests prevents me from verifying, disputing, or arranging payment of any legitimate amount owed. I am requesting that the CFPB require Beyond Finance to provide a complete written accounting of all fees charged, collected, and claimed as remaining on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in XXXX days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection and urgently request their immediate removal to prevent any further harm to my financial well being I am requesting that these fraudulent accounts be removed from my credit report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Opened a credit card with Capital One XXXX company in XXXX. There was no revolving balance on this. Received a balance transfer offer from this credit card company in XX/XX/XXXX, at which point I accepted a balance transfer for XXXX months no interest, with the sign-up offer expiring in XX/XX/XXXX. This offer was completed and accepted by the company prior to expiring date. The offer was good for XXXX months with XXXX % APR, which is roughly XXXX. After the promo ends, the XXXX goes back to XXXX % as is routine with most lenders. No payment was missed. The company now claims that the balance expired XX/XX/XXXX, a week after I signed up for the offer. So the company took an interest fee plus now has charged for regular accrual of interest monthly and argues that the balance transfer had to be paid in full in XXXX week. To be clear, this is Capital One XXXX not a shark loan. When contacted, company refused to provide the information requested, refused to provide copies of the information regarding the opening of the account, refused to provide copies of the balance transfer transfer terms, refused to provide transcripts of the conversation despite being in California where consent is required, and proceeded to suggest hanging up call. Company refused to rectify this despite request and review with these terms of condition to point out that the entire balance was only good for XXXX week with no interest. Company said things would be " mailed '' in XXXX business days or " email '' in XXXX business days. Nothing was sent and no e-mail was received. There is also no copies of the documents we are entitled to in their website dating back to balance transfer agreement or even account opening. Employee numbers : XXXX and employee XXXX. Company refused to provide information re employee who provided terms of balance transfer in XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Solar Mosaic LLC
State: CO

Complaint narrative:
In XX/XX/XXXX XXXX sold us solar panels. The loan was through Mosaic. At that time me and my brother bought them, we confirmed with both companies that the loan would be transferable if we were to move prior to the payoff of the loan. I never received any copy of the terms and conditions of the loan, all I received is the closing certificate. XX/XX/XXXX I called Mosaic to confirm again that the loan was transferable because we were listing our home to sell at the time. They assured me that yes the loan IS transferable. We ended up not selling the home so didnt move forward at that time. Fast forward to now, XX/XX/XXXX, we are under contract for our home so once again I called Mosaic and I asked them what paper work I could get to start the transfer process. The guy XXXX I spoke with told me that they are not transferable. I told him that I called a few months ago and was told the opposite. My brother, XXXX XXXX, then called right after me and asked the question again and escalated. They told him that their company MOSAIC went bankrupt in XX/XX/XXXX and they have the right to not transfer the loan at any time. We never received any terms stating this. We also asked for a copy of those terms and still have not received them.

Company response to consumer: Closed with explanation