vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: VA

Complaint narrative:
On Sunday, XX/XX/XXXX, I deposited a check via the PNC app from the Department of the Treasury for an amount less than {$1800.00}. I followed up on Tuesday, XX/XX/XXXX, to inquire about the status of the deposit. I was informed that, due to a holiday, the check would not clear until the following business day. Today, XX/XX/XXXX, I contacted the bank again and was advised that a letter had been sent instructing me to contact the fraud department. I subsequently reached out to the fraud department and was told that they would escalate the issue. Several hours later, I called again to check the status and was informed that the check would need to be re-scanned because the top portion was cut off. I was advised to visit a branch where an associate could email the check to the fraud department. No alternative options, such as rescanning the check via the bank 's mobile app, were provided. As I am currently on bed rest and unable to travel, I consider it inconvenient that the bank expects me to visit a branch office. I am now incurring recurring late fees attributable to the bank 's lack of clear communication regarding the situation and the available alternatives. Please note, I have never experienced such an issue before. Furthermore, I have consistently utilized the deposit feature via the PNC application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2026-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
paid off my auto loan with Santander Consumer USA in full in XX/XX/XXXX. Despite the loan being satisfied, the electronic lien on my vehicle title in the State of Georgia has not been released. Under Georgia law, lienholders are required to execute a lien release within 10 days of payoff. As of XX/XX/XXXX, the XXXX remains active in the Georgia Motor Vehicle system, preventing me from obtaining a clear title. When I contacted Santander to resolve this issue, I was provided with a tracking number as alleged proof of release. However, the tracking number provided does not correspond to any valid shipment, which raises serious concerns about the accuracy of the information given to me and the status of the lien release. I have made good-faith efforts to resolve this directly with Santander, but the lien still has not been properly released and transmitted to the State of Georgia. Requested resolution : Immediate electronic release of the lien to the State of Georgia Written confirmation of the ELT transmission date Confirmation that my title will be cleared without further delay Explanation regarding the invalid tracking information previously provided Timeline : Loan paid in full : XX/XX/XXXX Lien status : Still active in Georgia as of XX/XX/XXXX I am requesting prompt corrective action to bring this account into compliance with Georgia requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: MA

Complaint narrative:
My car was repossessed in XXXX, I was told my car would be auctioned if not paid before XX/XX/XXXX, I paid XX/XX/XXXX and have had multiple documented calls about the release of my vehicle as well as its location. I was told multiple times that my release was sent out and have been lied to. Ive also been lied to about the location of my vehicle ; apparently it was at a lot in XXXX, XXXX. I called this lot and CONFIRMED my vehicle location and they told me they hadnt received a release paper. I was given an entire different company name and number after this information from the financial institution ( XXXX XXXX ) was given and was told by this new company that my car had been transfered. I just made a call today asking if the release was sent and they denied it and informed me that my car was moved to auction. I spoke with a supervisor for the financial institution and was informed that my release was never sent ( after 3 attempts ) and my vehicle is in XXXX at an auction company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am submitting a complaint regarding a false debt that has been placed on my credit report related to a move-out from an apartment community in XXXX, XXXX ( XXXX XXXXXXXX XXXX ). The amount being reported is {$720.00}. Timeline and details : I moved out of the apartment after residing there for approximately one and a half years. At move-out, the apartment retained my security deposit, which covered the remaining rent balance of approximately {$320.00}. After my move-out, I was notified of additional charges for drywall repairs and carpet cleaning, which I dispute because these items fall under normal wear and tear for a tenancy of this length. The account was later placed with a debt collector and reported on my credit report as a collection balance of {$720.00}. Actions I have taken : I contacted the prior management company, XXXX XXXX ( formerly XXXX XXXX XXXX residential division ), and was informed they no longer own or manage the property and do not have documentation proving I owe a balance. I formally disputed the debt with the collection agency and requested debt validation, including an itemized statement and proof of legal obligation. As of today, I have not received sufficient documentation explaining how the amount was calculated or proving that the debt is valid. Why I believe the reporting is inaccurate : The security deposit covered the remaining rent balance. The remaining charges appear to be for normal wear and tear, which tenants are not responsible for under applicable landlord-tenant standards. The collector has not provided adequate verification despite my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Resurgent Capital Services/ LVNV Funding LLC XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : This letter serves as a formal notice that I am disputing the above-referenced account pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, and the Fair Credit Reporting Act, 15 U.S.C. 1681. I am requesting full validation of this alleged debt. Specifically, I am requesting : 1. A copy of the original signed contract or agreement bearing my signature. 2. Documentation showing you are the legal owner of this debt, including a complete chain of assignment from the original creditor to LVNV Funding LLC. 3. An itemized statement of the amount claimed, including principal, interest, fees, and charges. 4. The name and address of the original creditor. Under the FDCPA, you are required to cease collection activity until proper validation has been provided. Additionally, under the FCRA, you may not report or continue reporting inaccurate, incomplete, or unverified information to any credit reporting agency. If you are unable to provide the requested documentation, you must immediately cease collection efforts and notify all credit reporting agencies to which you have furnished this information to delete this account from my credit file within 30 days. Failure to comply with federal law will leave me no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I also reserve the right to pursue any and all legal remedies available to me. I expect your written response within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
XXXX XXXX there was 4 transactions and withdrawn from my account company name XXXX XXXX XXXX in the amount of {$52.00}, {$53.00}, XXXX $ XXXX called SoFi bank right away .sofi credit back to me and last XX/XX/2026 SoFi bank took all the money back from my account .I called them and told my the disputed was revoked.i was trying to asked them to give me an explanation they cant give me any answers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/year> I sent letter in regards to all the accounts on my credit report. I never received validation letter or a response about this debt. I never agreed to put any of this information on my credit profile. They have no written letter from me or verbal approval from me approving for them to put anything on my credit report. I sent a cease and desist in my letter on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: SC

Complaint narrative:
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 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
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 2026-02-19 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
Company Name : USAA Product : Credit Card Issue : Billing dispute / Fraudulent charge Complaint : On XX/XX/year>, I discovered that both my checking account and credit card had been compromised. I immediately contacted USAA and reported the fraud. The fraudulent checks on my checking account were removed and resolved. My credit card was canceled and a new card was issued. Approximately two weeks later, a {$15000.00} charge reappeared on my credit card account. I immediately contacted USAA and reported the charge as fraudulent. A new card was issued. One week later, the same {$15000.00} charge appeared again. I contacted USAA immediately to report it again. Since XX/XX/year>, I have called USAA no fewer than ten ( 10 ) times regarding this matter. Each time I was provided different or new information. I was never informed that the merchant had submitted documentation disputing the fraud claim, nor was I provided with any proof that this charge was authorized by me. I did not authorize this {$15000.00} transaction. I did not benefit from it. I have no knowledge of this charge. Despite my repeated reports and disputes, USAA is now attempting to hold me responsible for this fraudulent amount. Under the Fair Credit Billing Act, I have formally disputed this charge and I am refusing to pay a fraudulent transaction. I am requesting that USAA : Immediately remove the {$15000.00} charge from my account. Confirm in writing that I have no liability. Provide documentation of any evidence they are relying on to claim this charge is valid. Ensure this matter is not reported negatively to any credit reporting agency. I am seeking full removal of this fraudulent charge and written confirmation that my account is cleared.

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 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC
State: PA

Complaint narrative:
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 debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had submitted a XXXX $ payment to substitute for my minimum payment, but I forgot to cancel my minimum payment which did not go through due to insufficient funds on my bank account, so despite the XXXX $ payment being more then enough the minimum was considered " returned payment " and so my account was closed without warning. I tried to call and they even admitted it was on the banks mistake they closed it but that no one could re open it despite seeing it was wrong. I escalated to two higher managers and got the same answer.

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 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXXXXXXis falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXXXXXXis a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: ME

Complaint narrative:
RMP is stating that I had a balance of {$14000.00} with {$14000.00} of credits applied to the account which they claim I owe {$300.00} which it should be {$500.00}. I disputed their collection on XXXX requesting the original name of the creditor name and address, itemized account statement showing all charges and credits and amount owed, and their license to collect in the state of Maine. As of the time of this dispute I have not received the requested information. They also continue to contact me via phone which is in violation of my rights of dispute. I have attached my original dispute notification

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
Velocity Investments who is on the banned debt collector list has threatened to sue me on two accounts. I understand that they are banned from collecting debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Well this is just a follow up nobody responds is being long time already this fraud has cause me health issues homeless and hard for me to find a job this something needs to be fix as soon as possible I will look for legal help to sue wellsfargo at this point is not little money because of this fraud cost me everything and is already XXXX amd issue has in XXXX and nothing being fix i need my money to move on. Trying so hard finding a job but since walking I can't really do much I need and answer please

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 2026-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
Subject : MOHELA Failure to Process XXXX Buyback, Incorrect Payment Count, and Conflicting Information I am filing this complaint because MOHELA has not properly processed my XXXX Buyback request or updated my qualifying payment count, despite multiple escalations and confirmations from XXXX XXXX XXXX I reached XXXX qualifying XXXX months in XX/XX/year>, but MOHELA has not updated my account to include XXXX, even though XXXX received my employers certification. I submitted a XXXX Buyback request in XX/XX/year>. It was initially declined due to incorrect verbiage, and I was required to resubmit. Since resubmitting, I have been told by XXXX that my account was escalated and that the back office sent the buyback amount to MOHELA. MOHELA states they never received any buyback request or amount from XXXX. I continue to receive conflicting information from both MOHELA and XXXX, and no progress has been made on my account. These delays and inconsistencies are preventing me from receiving XXXX forgiveness that I have earned. I am requesting that MOHELA : Correct my qualifying payment count to include XX/XX/year>. Confirm receipt of the XXXX Buyback request and amount from XXXX. Process my XXXX Buyback and forgiveness review without further delay. Provide a clear, consistent written explanation of the status of my account. Thank you for your attention to this matter.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-19 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: Avant Holding Company, Inc.
State: TN

Complaint narrative:
Upon reviewing my account I noticed a charge I did not recognize. I called Avant at XXXX, XXXX, XXXX and each agent refused to dispute the unauthorized charges. Hung up everytime and this has been over XXXX hours and Avant will not correct this. Agents are taught to hang up and refuse to assist or dispute fraud! What am I to do? XXXX XXXX sent a message XX/XX/XXXX, XXXX I was asking for a credit card dispute the agent kept me on the phone with an indistinct voice she was not understandable. When Asked to speak with someone else that I could understand she refused and hung up next agent the same What XXXX XXXX kind of agents are you hiring? Incompetent ones. Please have a Credit Card manager call me to dispute and file a formal complaint against Avant for refusing to abide by US banking regulations! This is a violation of the REG E. and So many more!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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 violatio

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank closed my account but never sent me a letter of why. Also have never received my left over funds of XXXX dollars.

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