vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — VA 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: CMG Financial Services, Inc.
State: CA

Complaint narrative:
This complaint concerns the repeated use of a fictitious or misleading signature in official CFPB complaint responses by CMG Financial. Across multiple responses, correspondence has been signed by XXXX XXXX, XXXX XXXX XXXX. Based on publicly available records, no individual by this name exists at CMG Financial in this role. The actual employee holding this title appears to be XXXX XXXX. The consistent use of an obscured or unverifiable identity in federally regulated complaint responses prevents the borrower from confirming who is accountable for the content of those responses and undermines the integrity of the CFPB complaint process. This practice violates 12 C.F.R. 1024.35 and 1024.38, which require servicers to respond accurately and maintain truthful records, and constitutes a deceptive act or practice under the Dodd-Frank Acts UDAAP provisions. CMGs prior response to this complaint ( Case No. XXXX, XX/XX/year> ) did not address my claim or respond to the substance of this issue in any respect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LoanCare, LLC
State: PA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-04-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am filing a complaint against Santander Consumer USA regarding an incorrect past due balance on my auto loan account. A past due balance of {$240.00} is currently being reported on my account, which I dispute as inaccurate. I have had this loan since 2022 and have consistently made all required monthly payments. While there may have been occasional instances where a payment was made XXXX or XXXX days after the due date, all payments were made, and my account has always been brought current. I have bank statements showing that payments were successfully withdrawn from my account each month. Despite this, Santander is reporting a past due balance that I do not owe. I have made multiple attempts to resolve this issue directly with Santander Consumer USA, including over six phone calls, speaking with two supervisors, sending emails, and using their chat system. Each time, I have been told the issue would be resolved within 48 hours, but the incorrect balance continues to remain on my account. I am requesting : - A full investigation into this matter - A detailed breakdown of how the {$240.00} balance was calculated - Correction of my account to remove any inaccurate charges - Written confirmation once the issue is resolved If this inaccurate balance has been reported to any credit bureaus, I am also requesting that it be corrected immediately. I am seeking a prompt resolution to this matter, as I have made every effort to resolve this directly with the company without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I purchased a XXXX XXXX XXXX XXXX ( XXXX : XXXX ) from XXXX XXXX XXXX XXXX XXXX, financed through GM Financial. Sales Manager XXXX confirmed in writing via text message on XX/XX/year> : " I'll do XXXX / XXXX for the black XXXX XXXX '' However, the signed contract reflects {$76000.00} a {$6200.00} overcharge. I provided a {$10000.00} down payment. When I questioned why the financed amount was {$78000.00} ( expected approximately {$60000.00} after down payment ), I was told the difference was taxes a deliberate lie. The contract also included {$4900.00} in unauthorized add-on products ( GAP {$1500.00}, Service Contract {$650.00}, Maintenance Plan {$2000.00}, Bundled Product {$790.00} ) rolled into the loan without adequate disclosure. After 11 months, only {$2800.00} was refunded {$2000.00} remains outstanding. The {$6200.00} overcharge inflated my GM Financial loan principal causing approximately {$910.00} in excess interest paid before payoff in XX/XX/year>. Formal complaint letters sent XX/XX/XXXX and XX/XX/year> to dealership management received no response. Total damages : {$9200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: PR

Complaint narrative:
Member of XXXX XXXX, since 2022. I deposited XXXX $ dollars which became XXXX $ later on, it went down to XXXX XXXX When the market went down, I submitted a withdrawal and my documents, and havent received my money. A complaint was filled and they responded in the wrong way, telling me what to do to withdraw which I already knew.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-04-14 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: NC

Complaint narrative:
I made a purchase in XXXX, XXXX at a local market on XX/XX/year> where I agreed to pay {$500.00} XXXX. They initially said my card declined and after using another machine said it was accepted. I then see that I was charged {$5000.00} XXXX. After disputing with XXXX, the merchant sent in an unsigned receipt and hand written itemized bill for the receipt. I did not authorize payments of that amount nor did I authorize two separate transactions. XXXX found the transactions to be valid, and after formally requesting to re-open it in writing and on a phone call, they denied my ability to re-open it without submitted documentation that I did not authorize payments of that amount. I argued that an authorization number from my chip shows that I authorized a transaction, but does not show authorization of the amounts. I also argued that being charged the same amount within a 5 minute window shows signs of being double charged rather than two separate valid transactions, and an unsigned receipt is not evidence of my authorization. They still refused to re-open the dispute. I asked for them to send over the phone recording, so that I may attach it to this complaint, and they said they would not without an attorney formally requesting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: VT

Complaint narrative:
On XX/XX/year>, I purchased a product from XXXX using financing through Affirm. The item was delivered on XX/XX/year>, and I decided to return it immediately ; however, I was unable to refuse delivery in person. On XX/XX/year>, I went to the post office and formally refused the unopened package, which was returned to the sender. Within a few days, I contacted Affirm to report the return and was told I needed to wait for merchant confirmation. On XX/XX/year>, the merchant confirmed the return and advised it would take XXXX business days to process the refund. Within the following week, I contacted Affirm again and was advised by a representative to file a dispute and was told I would not be charged during the review, with follow-up expected within 35 days. I never received that follow-up. Since then, I have made at least four additional attempts to resolve the issue, but Affirm has continued to mark my account as past due and charge interest. As of XXXX and XX/XX/year>, {$18.00} in interest has been added to the original {$210.00} loan balance, bringing the total to {$220.00}, despite the merchandise being returned and the dispute being active.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: VA

Complaint narrative:
I paid for XXXX braces using my flexible spending account in XX/XX/year>. I was accidentally charged 2x for an impression kit on my XXXX card. I disputed this with XXXX XXXX. They incidentally reversed the charges on my flexible spending account. I didnt know this until late XX/XX/year>. When I reached out to XXXX XXXX to correct the situation, I learned they had gone out of business. This was problematic because I had to use those funds before the end of the year. All of their phone lines referred clients to a local dentist for follow-up. Nearly a year later, I received notifications from their finance company attempting to collect the debt. I provided documentation, dates etc, but they continued trying to collect and ultimately put this transaction on my credit report. Since part of the price agreed upon was for a service they could no longer provide, I didnt feel comfortable using the aligners. I wish to return them, but I was not offered this option.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX

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 2026-04-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts. Please remove these fraudulent accounts from my report as they are harming my ability to obtain credit.

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 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
I disputed an account reported by Jefferson Capital Systems LLC. The account was marked as verified, but no documentation was provided to support the verification. This does not meet the requirements of a reasonable investigation under the Fair Credit Reporting Act. I am requesting that this account be deleted due to failure to properly verify and provide documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
This was put on my credit report and i and i wasn't informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: OK

Complaint narrative:
I have a registered XXXX business profile connected to a XXXX bank account. The bank account was successfully linked manually, so the issue is not that XXXX is unable to add the account. The issue is that XXXX will not allow me to actually use that linked account to send payments. Every time I attempt to send funds using the linked bank account, the transaction is blocked by XXXX system. I have contacted XXXX support multiple times and have not received a meaningful explanation or resolution. Instead, I keep getting the same generic responses : try again later, use PayPal, or use another funding source. I have also been told they can not explain why the transaction is being blocked because it is for my safety. That response is not acceptable. This is a business account using a legitimately linked bank account, and XXXX has offered no specific explanation as to whether the issue is a technical problem, a risk restriction, a compliance review, or some other internal block. I understand that companies may have security controls, but repeatedly refusing to explain the issue while suggesting I use a different product or payment source is not a real resolution. The practical result is that XXXX allows the account to be linked, but then prevents it from functioning for its intended purpose. Support has provided no concrete steps to fix the problem, no documentation requests, no timeframe for resolution, and no explanation of whether this linked bank account is actually usable on my business profile. If XXXX is going to block payments from a properly linked business bank account, it should be able to tell the customer what needs to be done to resolve the issue. Instead, I have spent time going in circles with support and have been left with vague, repetitive answers that do not solve anything. I am not asking XXXX to disclose sensitive fraud-detection methods. I am asking for a clear explanation of why payments from my linked XXXX account are being blocked, whether there is any action required on my end, and whether this account can actually be used as a funding source for my business profile. The current support response amounts to little more than keep trying and maybe use something else, which is frustrating, unprofessional, and not an acceptable way to handle a business payment issue. Desired resolution I want XXXX to do one of the following : Remove the restriction and allow payments to be sent from my linked XXXX bank account, or Provide a specific explanation for why payments from that account are being blocked, including whether additional verification or documentation is required, or Confirm in writing that the linked bank account can not be used for this purpose so I can make other arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
My vehicle loan with Exeter Finance LLC was repossessed following an accident and is now reported as a charge-off with a balance of {$25000.00}. I have not received a complete accounting showing how the remaining deficiency balance was calculated, including application of insurance proceeds, repossession costs, and auction sale amounts. I am requesting : 1. A full deficiency balance accounting statement 2. Documentation showing how insurance and sale proceeds were applied 3. Written confirmation whether the debt remains legally collectible 4. Clarification regarding whether the debt has been canceled or may result in issuance of IRS Form 1099-C 5. Correction of any inaccurate credit reporting Without proper accounting, I can not verify the accuracy of the reported balance or fulfill financial obligations appropriately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank 's online banking interface lacks basic transaction search and filtering functionality that is standard at other major banks. There is no way to search transactions by amount, no way to filter by transaction type ( deposits vs. withdrawals ), no date range selector, and the transaction history displays only 20 entries per page with no option to expand. To review a year of transactions, a customer must manually click through 30 to 40 pages one at a time. This makes it unreasonably difficult to locate specific transactions, reconcile accounts, or prepare taxes. I needed to locate a U.S. Treasury deposit from XX/XX/year> and had no way to search for it by amount, date, or source. I had to call customer service to find a transaction in my own account because the online tools are inadequate. Every other major bank I have used provides amount filtering, date range selection, and deposit/withdrawal sorting. These are basic account management features, not advanced functionality. Their absence forces customers to either page through hundreds of screens manually or call customer service for information they should be able to access independently. I am requesting that US Bank add standard transaction search and filtering capabilities to their online banking platform.

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 2026-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I contacted XXXX regarding my account ( Account # XXXX ) because I am currently experiencing financial hardship and was attempting to discuss possible options. Instead of receiving meaningful assistance, I was sent a response stating that collection procedures will proceed until a suitable payment arrangement is established, which I found to be threatening and not helpful given my situation. I requested validation of the debt, including a full breakdown of the balance, payment history, interest, fees, and a copy of the original loan agreement, as well as proof that NetCredit has the legal authority to collect on this account. As of now, this information has not been provided. I am seeking transparency and verification of the debt before any further collection activity continues. I also request that communication be handled in a professional and non-threatening manner.

Company response to consumer: Closed with explanation