vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: Figure Technologies, Inc
State: IN

Complaint narrative:
I have a XXXX through Figure Lending. They do not request homeowner 's insurance at the initiation of the loan, which seems like a predatory practice in and of itself. Eventually, after notifications that are sent differently from every other communication from the company, they added lender-placed insurance to my account. The statements I was provided for my XXXX and XXXX payments very clearly show that I paid a total of {$140.00} for lender-placedinsurance ( {$130.00} in XXXX and {$12.00} in XXXX ). After providing all of the necessary documentation for my homeowner 's insurance, I was assured I would receive a full refund. To be clear, my monthly payment is {$460.00} with a fixed interest rate and no late fees, so that is the amount I owe them each month. I initiated conversations with the company on XX/XX/XXXX, prior to the XX/XX/XXXX payment being withdrawn. I have had approximately XXXX phone calls with different individuals and more than XXXX emails back and forth because the company believes they only owe me the {$45.00} refund that has already been issued. I have spoken with multiple representatives who acknowledged their system applied my payment incorrectly and they can not account for where the other {$100.00} was applied, only that it was not applied to the lender-placed insurance and, thus, does not show up as an amount they owe me in a refund. Every person I have spoken with acknowledges they owe me the money, but none of them apparently has the power to actually issue the refund. I have spent more than XXXX months on the phone with this company with no real resolution and no reason why they can not resolve the issue. They recently completed an " internal review '' that shockingly resulted in them saying they do not owe me any more money, still without an explanation for where the money was applied. If I owed them over {$100.00} for more than XXXX  months, I imagine I would owe them fees on that amount. So, at this point, I am not sure even the refund for what they owe me would be sufficient, as they have been holding my money and able to accrue interest on it during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Subject : Complaint Regarding Vehicle Damage During Repossession and Lenders Lack of Response Dear Sir or Madam, I am writing to file a formal complaint regarding damage to my vehicle that occurred during repossession, and the subsequent failure of my lender, ( WELLS FARGO ) to address or resolve the issue. 

Details of the Incident : Lender : WELLS FARGO Date of Repossession : XX/XX/year> Date Vehicle Returned/Inspected : XX/XX/year> Upon receiving my vehicle after repossession, I discovered the following damages : ( Scratches on the passenger door, Front end damage, Front passenger side panel cracked over tire, battery casing was disconnected, and wires disconnected from battery, under frame front molding missing, scratches and dents throughout, message on dashboard states lane is inoperable, driver side back tire keeps loosing tire pressure ) These damages were not present prior to repossession. I immediately contacted ( WELLS FARGO ) on ( XX/XX/year> ) but despite my repeated attempts by phone and in writing, I have not received a satisfactory response or resolution. I have attached supporting documentation, including photos of the damage and copies of my correspondence with the lender. 

Resolution Sought : I am seeking assistance in obtaining a prompt investigation and appropriate compensation or repair for the damages caused during the repossession process. I also request that the lender be required to respond to my complaint in a timely and fair manner.

Thank you for your attention to this matter. Please let me know if you require any additional information.

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 2026-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I had my wallet stolen, cell phone stolen which contained access and passwords to any and every account I have, banking, online money transfer ( venmo ). I have a fraud alert now on my credit file. They not only did this with Venmo, but my regular bank ( who has already credited the funds back to my account ) as well as filed a tax return in my name. I have reached out to Venmo numerous times with no answer but, the dispute takes XXXX business days. Ok, well, why was there {$6.00} credited to my account when the remaining {$770.00} were done on or around the same business day. If they can credit the {$6.00}, then the remaining credits should be issued that were done the exact same way, day and around the same time. I have been out of work ( laid off ) for XXXX weeks now and that money was to pay bills. Apparently they do not understand this and are trying to prolong refunded me my money because they simply do not want to pay it,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
My identity theft started around XXXX and seems to be slowing XXXX, CapitalOne allowed a credit card to be sent out and then charged to my account and then let 3 large wire transfers from a 360 account to go to 3 banks. That was retrieved, then they let out another large transfer after the account was closed opened and locked. That is now back. Then over XXXX dollars in fraud on credit card continued. For weeks I would wake up to have to change personal info the fraudster was able to change in the night. He was good. I have bought a cyber defense and that is helping. I have closed over 10 accounts across several different lending institutions but CapitalOne could not close the lid on activity so I have closed the savings account and refused a new card and locked my wife 's card so when the dust settles we can access our reward miles. My frustration is that once I identified the fraud my information kept being changed to the fraudsters benefit nightly. No alerts to me, no block, he would call with my social and other info and change away. there are weeks of notes at CapitalOne.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am a consumer actively working to correct my credit report and I am filing this complaint because inaccurate and unverified information continues to appear on my Equifax credit report despite my efforts to resolve these matters. 

First, my report shows a charged-off account listed as SECURITY account ending in XXXX, reported with a charge-off date of XX/XX/year> and a balance of {$1600.00}. I dispute the accuracy and completeness of this account. I have not been provided proper documentation showing how this account was verified, how the balance was calculated, or proof that Equifax conducted a reasonable investigation after disputes. I am requesting verification or removal if it can not be properly validated. 

Second, my report includes late payment information for XXXX XXXX and XXXX XXXX accounts. These late payments are disputed because I believe they are inaccurately reported or incomplete. I request verification of payment history records and removal of any information that can not be fully substantiated. 

Additionally, I am disputing inquiries that I do not recognize or did not authorize. I request Equifax investigate and remove any inquiries that can not be shown to have been properly authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NC

Complaint narrative:
Chime notified me that my account is scheduled to be closed on XX/XX/year>, stating that my account allegedly violated their rules. However, I was not informed which rule was violated or what specific activity led to this decision. 

Prior to receiving the closure notice, I requested multiple replacement debit cards because I lost them. I also filed a dispute with XXXX  XXXX XXXX related to an ACH transfer involving my Chime account. That dispute was later identified as a mistake and was not intended to be fraudulent or abusive in any way. 

Despite this, Chime scheduled my account for closure without giving me an opportunity to clarify the situation or correct any misunderstanding. I am requesting that my account remain open, as there was no intentional wrongdoing on my part

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XX/XX/year> LVNV FUNDING LLC XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Cease and Desist Demand Dear LVNV FUNDING LLC, This letter serves as formal notice that you must immediately cease and desist from the following actions : 15 U.S. Code 1692c : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

Clearly and concisely describe the offending behavior, including dates, platforms, or specific conduct if applicable. 

Your actions are unauthorized and unlawful, and they infringe upon my rights, including but not limited to [ privacy rights, intellectual property rights, contractual rights, etc. ]. I demand that you immediately : XXXX. Cease and desist from the conduct described above ; XXXX. Remove or retract any related content or materials ; and XXXX. Refrain from any future actions of a similar nature. 

Failure to comply with this demand by XXXX business days from the date of this letter may result in further legal action, including but not limited to seeking injunctive relief, damages, and attorneys fees, without further notice. 

Nothing in this letter constitutes a waiver of any rights or remedies available to me, all of which are expressly reserved. 

Please confirm in writing that you have complied with these demands. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-02-10 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Rent Recovery Solutions
State: SC

Complaint narrative:
I am submitting this complaint regarding improper debt collection and inaccurate credit reporting related to an alleged collection account being reported only on my XXXX  credit report. 

The alleged debt originates from a former apartment complex in XXXX  and represents claimed remaining lease rent after I moved out. Under XXXX  law, landlords are required to mitigate damages by making reasonable efforts to re-rent a unit and to credit any rent received. To date, I have not been provided documentation showing mitigation of damages, vacancy dates, re-rental efforts, or an itemized calculation demonstrating actual losses. As such, the amount claimed has not been established as legally owed. 

The collection agency reporting this account provides only a physical mailing address and XXXX phone number or email, making meaningful communication and debt validation difficult. I have called and left messages, without anyone answering or returning my calls. I have been unable to obtain proper verification of this debt, yet XXXX continues to report the account despite its lack of substantiation. 

In addition to the above, the collection agency contacted my parents in an attempt to collect this alleged debt. My parents are not parties to the lease or the debt. Contacting third parties for the purpose of collecting a debt is prohibited under the Fair Debt Collection Practices Act ( FDCPA ). This improper third-party contact constitutes a serious violation of federal consumer protection law. 

Because this account is unverified, inaccurately reported, involves improper third-party contact, and does not reflect proven actual damages as required under XXXX  law , its continued reporting on my credit file is misleading and harmful. 

I am requesting that this collection account be removed from my XXXX credit report unless the furnisher can provide full and proper verification, including documentation of mitigation of damages and compliance with federal debt collection laws.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I applied for a credit card with Capital One ( CO ). I never received the card, but they are billing me and sending false negative reporting to the credit bureaus about me. 

As of yesterday, XX/XX/XXXX, I have spoken to 13 people at CO and not one of them has done anything to correct this matter. My first contact with them was when they had someone call me to tell me that a credit card they intended to be received by me was stolen and used. Since I have a locked mailbox, they can not claim that someone took it out of my mailbox. This woman called me and was asking me personal information over the phone which is inappropriate.

Since then, 12 more people have done nothing, and I was notified yesterday that they have not even begun an investigation when they are required to respond within 30 days which they have not complied with or even begun an investigation. What is their penalty for failure to comply with the law 's response time?

In addition, yesterday they harassed me into filing a false fraud complaint on a card I never received which would not be fraud as it had never been delivered, nor accepted and I have no actual knowledge one or more credit cards was ever sent. The representative assured me I was speaking to the highest-level person at the company to handle this matter and that person was trying to force me to mischaracterize this matter as fraud. What is the penalty for them trying to mischaracterize this as a fraud complaint?

They even claim a second credit card was sent and used as well. Both cards they claim were used in other cities hours away from my residence.

They refuse to assist me in any way after spending some 7-8 hours on the phone and missing work and having to spend money on a certified letter.

Now, when I am looking to purchase a home, they are fraudulently sabotaging my credit and refusing to do anything about it unless I comply with them mischaracterizing this as a fraud complaint. What is the penalty for them to cost me more money in financing a home and any other credit-related matters by filing false information with the credit bureaus?

I have confirmed all 13 calls have been recorded. They have not complied with my requests to provide me audio files or transcripts of those calls. They have made attempts to further waste my time by sending me letters asking me to send them things I don't have and even to send them a copy of the letter THEY SENT TO ME.

Please provide me with the answers to my questions and require them to follow the laws which they are violating every single day they do not comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I have requested a copy of my contract from this company on five separate occasions. Each time, I am told that it has been mailed and emailed ; however, I have yet to receive anything.

When I call for assistance, my calls are frequently disconnected, and when I submit complaints through the online portal, they are closed without being addressed or resolved.

Additionally, I contacted EG assurance company to cancel my GAP insurance. The refund check was mailed to Chrysler Capital over six weeks ago, yet my loan has still not been updated to reflect this payment.

When I request to speak with a supervisor, I am repeatedly told that no supervisors are available or that supervisors do not exist. I was hung up on by a supervisor XX/XX/year> at XXXX XXXX I have documented several interactions with employees who appear untrained and unable to assist with even basic requests. 

This ongoing lack of communication and failure to resolve straightforward issues has become extremely frustrating and unacceptable. I am requesting immediate resolution and proper follow-up regarding all matters outlined above.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2026-02-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
When I purchased a grill from XXXX using a Synchrony credit card, I was told I had 12 months no interest to pay it in full, after 6 months they charged me XXXX $ in interests because I had not paid it in full, I called to complain and they basically said tough luck. right there I told them to cancel the credit card and they gave me a payoff amount which I paid in full on the spot, a couple of months later I receive a notice that I was sent to collections because I had not paid the interest accrued during the time of the statement and the time I paid it off. 
I asked for a full payoff amount, again, why would I not pay the full amount of XXXX minus the XXXX XXXX if they would have told me that I owed those XXXX XXXX I would have included it in the payoff. 
I called again to complain and I was told, tough luck, pay up of we will keep increasing your interest and keep sending you to collections. 
I believe these are predatory and deceitful tactics with the intention of ripping customers off.

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 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: TX

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX XXXX XXXX XXXX I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. 

This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. 

Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation