vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: IL

Complaint narrative:
I am disputing a collection account reported by Hunter Warfield on my credit report for approximately {$5200.00}, originally from XXXX XXXX XXXX. I do not believe this debt has been properly verified or accurately reported. I have not been provided documentation showing how this balance was calculated, a copy of the original lease agreement with my signature, or an itemized statement explaining the charges. Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, I am requesting that Hunter Warfield provide full validation of this debt. This includes the original contract or lease bearing my signature, an itemized breakdown of the amount owed, and documentation proving Hunter Warfield has the legal authority to collect this debt. If the company can not provide proper verification and documentation, I am requesting that this collection account be removed from all of my credit reports with XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I got a text alert at XXXX CST that an email XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX had been added to my account. Then immediately after that ( XXXX ), I get a text saying a phone number XXXX has been added. Still at XXXX I get another text that says XXXX has been unlinked. Thankfully I had already gotten into my app on my phone before they removed my number. I then immediately added my phone number back in, and received that notice at XXXX. After I get my phone added back in I remove the fake email and phone number from the app and also disconnect my external bank. In CashApp I see that they did a transfer to XXXX XXXX XXXX at XXXX for {$7600.00}, taking a {$75.00} instant transfer fee to bring the money received by the fraudster to {$7600.00}. I contacted CashApp via chat starting at XXXX and inform them that I did not make the transaction that just occurred. By XXXX an advocate, " XXXX, '' said they would help and look into it. They then asked how I knew it was fraud and I explained I didn't make the request, no one in my family has an account with that bank, nor do we have that email or phone. They said they would assign my case to a specialist and get back to me within 10 business days. I tried to call their customer support line to get more information and was told that there was no other information they could share and that I may not receive any money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: VA

Complaint narrative:
Validation of Debt Request - HARRIS - XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: DE

Complaint narrative:
Type of Loan : Auto Loan XXXX XXXX XXXX Lender : Santander Consumer USA Complaint : I have paid approximately {$25000.00} toward this vehicle, which was worth {$19000.00}, yet my current balance is over {$20000.00}. Monthly payments of {$680.00} have been made consistently and Im always trying to catch up since XXXX, with little to no reduction in principal. I am a mother of XXXX children and have serious medical issues which are getting worse, which make it difficult to increase income as a health insurance broker. I have repeatedly requested refinancing, modified terms, or a reasonable payoff, but Santander has refused or ignored my requests. Santanders communication failures caused DMV and insurance issues in XXXX, leading to unnecessary fees and an increased insurance premium. It took two months for them to respond and hours on the phone with no assistance. This loan is completely unaffordable and has severely damaged my credit, which was previously was getting better and nearly excellent. I believe these practices may constitute predatory lending. Requested Resolution ( Immediate Action Needed ) : 1. Immediate consideration for refinancing, loan modification, or a reasonable payoff. 2. Investigation of Santanders handling of DMV and insurance communication failures. 3. Any remedies available under federal or state consumer protection laws to prevent further undue hardship. Urgency : I am unable to continue making payments under these terms without significant financial harm. Immediate intervention is required to prevent further damage to my finances and credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Validation of Debt Request - CREDIT COLLECTION SERV - XXXXXXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: EQUIFAX, INC.
State: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 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: AZ

Complaint narrative:
My title company submitted the paperwork for a subordination agreement to Solar Servicing, LLC in XXXX. The paperwork was accepted and they said they were going to fedex the documents to title and now are delaying and refusing to send over the subordination agreement. It has been over XXXX months and they keep sending me an email suggesting that I just pay it off. The original ticket number : XXXX The representatives at XXXX seem to have a script they mostly stick to and dont provide much details. XXXX of communication : XXXX XXXX XXXX originally requested the subordination early XXXX from Solar Mosaic ( XXXX, resent XXXX ). It was later confirmed the request needed to go to Solar Servicing and title provided documentation XXXX ( the XXXX loan application and your signed authorization as solar requested ). On XXXX, XXXX at XXXX XXXX spoke with a representative named XXXX at XXXX who stated documents were received, reviewed, and approved and that the preparation of the Subordination takes XXXX weeks. The documents had already been there over a month by that point. On XX/XX/XXXX, XXXX spoke with XXXX XXXX. After verifying the XXXX XXXX on the account, he stated all that was needed was the FedEx return label, which was sent over immediately by title. On XX/XX/XXXX at XXXX, XXXX spoke to XXXX to confirm receipt of the FedEx label and see if the Subordination was sent out. He stated documents still needed to be reviewed and approved and that they would receive an email once approved and the process can take several weeks. She reiterated with him that this has been going on since XXXX and he replied I apologize, and I know this can be frustrating. On XX/XX/XXXX, XXXX spoke with XXXX who could not find the account, and then XXXX who stated its still in process for review/approval. XXXX reiterated again that this has been going on since XXXX and asked if the email response will have any additional documents required to be completed/returned. He replied I see that. You will receive an email once the process has been completed. On XXXX, XXXX spoke with XXXX around XXXX who confirmed the status is not ready and the department is behind. On XXXX, I called at XXXX and spoke with XXXX who could not find the account, and then called again at XXXX and spoke with XXXX who advised the approval was still pending and that the approval takes XXXX weeks minimum. He provided the refi and customersupport emails and said there was no direct line to the back office/management. I also found the loanservicing email on the website. I emailed all XXXX referencing the original ticket number. This resulted in XXXX new tickets being auto-created, but no response to me on any so far. Ticket XXXX, XXXX, & XXXX. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
I dont know what kind of debt this is. I asked for written documentation and I yet still dont have this

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I am filing this complaint because American Express failed to properly investigate fraud disputes on my account and failed to open investigations when I reported unauthorized charges. One of the most concerning examples involves a fraudulent charge from XXXX XXXX XXXX XXXX for {$2100.00} dated XX/XX/XXXX. When the charge occurred, I reported the transaction to American Express customer service and requested that a fraud investigation be opened. However, American Express did not properly register or investigate my report at that time. On XX/XX/XXXX, after reviewing my account history and realizing that no investigation had been conducted, I contacted American Express again regarding the same transaction. During that interaction, the representative informed me that an investigation would be conducted and that I would receive a determination letter within 30 days. On XX/XX/XXXX, after the 30-day period had passed, I contacted American Express again to request the outcome of that investigation. During that conversation, the representative informed me that there was no record of a fraud investigation for the {$2100.00} charge. This directly contradicts what I had previously been told by American Express customer service. Only after I insisted again did American Express finally open a fraud case for the transaction. This indicates that my earlier reports were not properly recorded or investigated. This situation raises serious concerns about American Express 's handling of fraud disputes and whether the company is complying with its obligations under the Fair Credit Billing Act to conduct reasonable investigations of disputed charges. Because of this pattern, I am requesting that American Express : 1. Conduct a full audit and review of all fraud reports and disputes I previously submitted on my account. 2. Reopen and properly investigate any disputes that were previously closed or ignored without a documented investigation. 3. Provide written documentation explaining how each disputed transaction was investigated and the basis for any denial. 4. Correct my account by removing any fraudulent charges that were not properly investigated. 5. Ensure that all fraud complaints are handled in accordance with federal consumer protection laws. I am submitting this complaint because my previous attempts to resolve these issues directly with American Express customer service have not been effective.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
The situation is as follows : My transfer of XXXX or XXXX to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Branch ) in XXXX XXXX XXXX using the money transfer app Wise on XXXX XX/XX/year> in favour of XXXX XXXX, holder of XXXX XXXX XXXX account XXXX, is classified by Wise as successfully completed. However, the recipient bank has not received any payment into XXXX XXXX 's account and has asked for the XXXX code of the correspondent bank ( s ). After repeated enquiries to Wise by me ( as the sender ), Wise only provides the transfer number XXXX and the unique reference XXXX, but not the requested XXXX code of the correspondent bank ( s ). However, the XXXX recipient bank insists on knowing the XXXX code, as this is the only way it can track the transfer. I am now kindly asking the Consumers Financial Protection Bureau to request the relevant XXXX code from Wise so that I can forward it to the final recipient ( XXXX XXXX ) for onward transmission to the XXXX recipient bank ( XXXX XXXX XXXX ). All documents available to me have been sent to Wise by email. Kind regards XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
I have disputed this several times and it still remains on. My credit report as accurate. Where is the proof where is the written documents signed by me. Where is the account itself from original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I am submitting this complaint regarding an account reported by Synchrony Bank on my credit report that I believe is inaccurate, incomplete, or otherwise unverifiable. Account ending in XXXX. I previously disputed this account and requested proper verification under my rights granted by the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I requested that Synchrony Bank provide documentation verifying the validity of the account, including the original signed agreement, proof that the account belongs to me, and a full payment history. To date, Synchrony Bank has failed to provide adequate verification of this account while continuing to report it to the credit bureaus. Under the Fair Credit Reporting Act, furnishers of information are required to conduct a reasonable investigation and ensure the maximum possible accuracy of information reported. Because this account has not been properly verified, I am requesting that Synchrony Bank immediately remove this account from all credit reporting agencies. I take my rights under federal consumer protection laws seriously and will continue to pursue this matter to the fullest extent of the law until the account is removed. If the inaccurate reporting continues, I will pursue all remedies available to me under the Fair Credit Reporting Act, including seeking any statutory, actual, or punitive damages permitted under federal law. I respectfully request that the Consumer Financial Protection Bureau review this matter and require Synchrony Bank to comply with the Fair Credit Reporting Act and remove this account if it can not be properly verified. Please note that reporting inaccurate or unverifiable information after receiving notice of a dispute may constitute willful or negligent noncompliance with the Fair Credit Reporting Act. If this matter is not corrected promptly, I will consider pursuing all available remedies under federal law, including filing additional regulatory complaints and seeking statutory, actual, and punitive damages as provided under 15 U.S.C. 1681n and 15 U.S.C. 1681o.

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Revenue Corporation
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
" I am filing this complaint against Regions Bank regarding the sudden reversal of a {$2200.00} fraud credit on my account. I was the victim of a documented rental scam where I was induced to pay {$2200.00} for a property the recipient did not own. I immediately reported this crime to the XXXX Police Department ( Case # XXXX ) and notified Regions Bank. Following their initial investigation, Regions Bank acknowledged the fraud and issued a {$2200.00} credit. However, the bank has recently reversed this credit and seized the funds without any prior verbal or electronic explanation. Under Regulation E ( 12 CFR 1005.11 ), if a bank reverses a provisional credit after an investigation, it is legally required to provide a written explanation of its findings and notify the consumer at least five business days before debiting the funds. Regions Bank failed to provide a specific reason for this denial or allow me to review the evidence used in their decision. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) compel Regions Bank to permanently reinstate my {$2200.00} credit. Their lack of transparency and failure to protect a documented fraud victim is unacceptable and has caused immediate financial hardship. ''

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 2026-03-12 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: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
This has been going on for about a year, below are a list of charges I did not make. They take the charges off my card saying they will investigate and then next month re post them back. I have asked for proof of these charges and call back - no response. Sent letter from my attorney on XX/XX/year> along with a list of charges under dispute via their apple chat line and also mailed a copy to Apple Card disputes Goldman Sachs Bank. I have heard nothing back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year> I checked my credit report on XXXX XXXX after receiving a letter from XXXX XXXX XXXX XXXX stating that my personal information had been breached. After reviewing the report I discovered an account was opened on XX/XX/year> without my knowledge with Citibank having a balance of over {$300.00}. I did not open this credit card and did not authorize anyone to do so on my behalf. I already notified Citibank of the account being unauthorized, account was closed and further investigation would take place. I have filed a police report for identity theft with the XXXX Police Department, and completed a FTC Identity Theft Report. A dispute was opened with XXXX, which I received as of XX/XX/year> has resulted in it remaining even after informing that this is an unauthorized account.

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 2026-03-12 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I recently discovered a PayPal line of credit on my credit report that I did not open or authorize. The account currently shows a balance of over {$7000.00}. I have never applied for or consented to this credit account with PayPal. This appears to be fraudulent and may be the result of identity theft. I am requesting an immediate investigation, written verification of the application used to open the account, and removal of this account 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 non-monetary relief