vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 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: FL

Complaint narrative:
I am filing a complaint against Santander Consumer USA for predatory auto lending, deceptive practices, and failure to provide legally required disclosures and XXXX accommodations in connection with an auto loan I cosigned for my deaf sister. My sister communicates primarily through written communication and sign language, yet the dealership and lender provided no interpreter, no accessible explanation of the loan terms, and no XXXX accommodations, meaning she could not meaningfully understand or consent to the agreement. She was not properly informed of the 23 % APR, total cost of the loan, finance charges, payment schedule, or longterm financial impact. As the cosigner, I was also not given the federally required cosigner disclosure warning me of the risks of guaranteeing the debt. Santander approved a loan that was clearly unaffordable, with an excessively high interest rate and addon fees that were not clearly disclosed, and they failed to assess my sisters ability to repay despite her XXXX and limited income. These actions constitute unfair and deceptive practices under XXXX, potential TILA disclosure violations, and a failure to provide equal access for a XXXX consumer. As a result of this predatory loan structure and repeated late payments, my credit has been significantly damaged, and I have suffered financial harm despite not being the primary borrower. I am requesting a full investigation into XXXX lending practices, the dealerships failure to provide XXXX accommodations, the missing cosigner disclosures, and the resulting credit damage, as well as any corrective action or relief the CFPB deems appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Steel River Systems, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX Dispute Date XX/XX/year> Report Balance {$890.00} Dispute information on report request verification of 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 explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: MT

Complaint narrative:
I received a notice from my county that my taxes were delinquent. I pay my mortgage company which then pays my insurance and taxes etc. The county stated that the wrong amount was received and returned to the escrow but the correct amount was never taken care of. I've contacted the mortgage company numerous times via phone calls and emails, sent them copies of the bill from the county and all I'm told is please be patient while it's being looked at. This is going on over three months and nothing has been resolved or have given me any answers. According to the county this same company has numerous people having this same issue. I have already paid for my taxes and I shouldn't have to come up with the extra money to pay for it again because the company can't get their XXXX together.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: FL

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AR

Complaint narrative:
CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT XXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
An unauthorized user made three separate, fraudulent rent charges on my Citibank credit card totaling around {$1700.00}. Citibank investigated my initial dispute and approved the fraud claim for one of the charges, reversing it. However, they arbitrarily denied the other two identical charges from the exact same merchant, which is a direct contradiction. The suspect has since admitted to the unauthorized theft in writing. Furthermore, she sent a partial payment of {$100.00} via XXXX with a written note explicitly stating, ' I owe you XXXX. ' This documents her unauthorized use of my funds. Citibank 's decision to validate the fraud for one charge while denying the other two identical transactions violates my consumer rights under the Fair Credit Billing Act. I have conclusive written proof of her admission of guilt and demand a full executive review and reversal of the remaining two unauthorized charges.

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 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/year>, I received the results of a dispute I had filed with XXXX regarding a collections account reported by XXXX XXXX XXXX XXXX for an XXXX XXXX XXXX account allegedly opened on XX/XX/year>. XXXX completed its investigation, contacted both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to verify the account, and the result was DELETED. The account was removed from my XXXX credit report. I have an active credit freeze with all three major credit bureaus. An account could not have been legitimately opened under my identity on XX/XX/year>. On XX/XX/year>, one day after XXXX deleted the account following verification with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX filed a report for the same account with XXXX. I have since disputed the account with XXXX. XXXX XXXX XXXX XXXX is refusing to confirm to XXXX that the account is fraudulent, despite having already confirmed this to XXXX, which resulted in the account 's deletion. I have never had an account with XXXX XXXX XXXX, never authorized one, and never approved one. The same collector that confirmed fraud to one bureau is now actively refusing to do the same with another bureau for the identical account. I am requesting that the CFPB require XXXX XXXX XXXX XXXX to immediately delete this account from my XXXX credit report and cease all collection activity on this fraudulent debt.

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 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
There was a data breach in XXXX with chime when I asked them they told me it wasnt then in may i began seeing it on the internet

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: FL

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 2026-05-28 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:
On XX/XX/year> a {$500.00}, {$180.00}, {$210.00} charges appeared on our bank statement. The charges appeared to have taken place in XXXX. Immediately contacted Wells Fargo to explain we did not make these charges we live in XXXX. They enacted a provisional credit for {$180.00} and said they were investigating the claim. After a period of about XXXX weeks we noticed from our statements that the provisional credit was reversed. Upon calling Wells Fargo we were told they would not reverse any of the charges and we would receive a letter explaining why. Well after another XXXX weeks we received the letter that stated the charges were made using a card with a chip and that is why they will not honor our claim. We insisted we did not make those charges and that we do not shop at XXXX and our insurance carrier was XXXX and not XXXX. We even asked them to look at our bank statements and they will see we use XXXX. No where on any bank statement would they see XXXX insurance. They said they considered the case closed. I then sent a letter requesting all documentation used to deny my claim be sent to me under lmy rights provided by the EFTA Act and regulation E. I never received the documentation only received a letter stating they would pay the XXXX charges because XXXX paid them. XXXX did not pay them so they would not reimburse us. Case closed.

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 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
To whom it may concern, I was a victim of identity theft a few years ago so I check my credit ever so often, upon checking I saw a collection from CONSERVE, I sent a formal debt validation request asking for the original creditor details, itemized accounting, verification of liability, collection authority, and account history. Up to this date I have not received any communication showing anything I asked for, this collection agency has failed to provide competent verification of this debt but continues to report this unverified negative information to my credit file. Under 15 U.S.C. 1692g of the FDCPA, the collector is required to cease collection activities until verification is provided. I am requesting that the CFPB investigate this company 's non-compliance with federal law and compel them to validate or delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am submitting this additional complaint regarding Capital Ones verification process and the unreasonable requirements being placed on my wife and our accounts. Capital One is attempting to verify my wife using an old phone number that is no longer associated with her and that she no longer has access to. Despite us providing updated contact information and cooperating fully with the fraud department, we were informed that they are unable to complete verification through the updated numbers we provided. We explained multiple times that the old number is inactive and unavailable, yet Capital One continues relying on outdated information instead of offering reasonable alternative verification methods. Additionally, we were informed that my wife would need to appear in person at a Capital One branch in order to verify her identity and regain access to our funds. However, there are no accessible Capital One branches near us in Texas, making this requirement unreasonable and nearly impossible to comply with. We have made every effort to cooperate in good faith, provide accurate information, and resolve the issue responsibly. Instead, we continue being denied access to our funds and are unable to obtain meaningful assistance or alternative solutions. At this time, we believe the verification process being used is unfair, outdated, and causing unnecessary financial hardship. We respectfully request that Capital One provide a reasonable remote verification option, update my wifes contact information properly, and release our funds without requiring in-person verification at a branch location that is not accessible to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: FL

Complaint narrative:
We have submitted a pay off request from them and over 20 calls to request it and no one can give an answer why they can provide this. Every agent on customer service has not power to give answer and supervisor not available for 24to48 hour call back. They keep saying the department is processing but no one can get to the department to find out why it has not been delivered. Selene XXXX is the services. We are selling this home and now buyer is requesting we pay a rate lock extension of XXXX dollars due to this. All for a simple pay off request. The worst reviews online show that this is a regular issue with this services. Who keeps charging daily interest on the loan as they take their time to process this simple request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I went to Wells Fargo to open a checking account to have only my IRS tax check directly deposited per IRS. The account was open, and my tax check was deposited, but Wells Fargo accessed my other banking information ( XXXX ) and automatically had my social security checks directed to Wells Fargo, which I did not authorize. This caused a hardship because my social security checks were going to another bank ( XXXX ), and my house bills were being paid from my other account ( XXXX ). They had no right to transfer my Social Security to their bank without my consent or authorization. I then had to go directly to the Social Security XXXX in person to have my Social Security check redirected back to my other bank ( XXXX ). I talked to the branch XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, who would look into what happened and get back to me. Several days later, someone from Wells Fargo called and also said they would look into it, and no one ever got back to me as to why this error happened or to even apologize for the inconvenience.

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 2026-05-28 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Colony Brands, Inc.
State: LA

Complaint narrative:
I am formally disputing this account because it appears to be reporting beyond the allowable reporting period under the Fair Credit Reporting Act ( FCRA ). The account has been closed for over seven years and should no longer appear on my credit report. Under FCRA Section 605 ( a ), negative accounts, including charged-off and delinquent accounts, generally can not be reported longer than seven years from the original delinquency date. I am requesting a full investigation into the reporting history and original delinquency date of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am disputing a charge of {$230.00} from XXXX for merchandise never received. Wells Fargo denied my claim claiming the merchant 'verified delivery '. However, the official XXXX tracking number provided by the merchant ( XXXX ) explicitly states 'Label Created - XXXX has not received the package. ' The merchant generated a label but never shipped the items. Wells Fargo failed to look at the tracking data, refused to look at my evidence, and their managers are falsely claiming that XXXX rules prevent them from correcting their own analytical error. I demand a permanent credit for this non-delivery under FCBA regulations

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 2026-05-28 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing this complaint due to the consumer reporting agencys continued reporting of information on my credit file without demonstrating a lawful permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. I have not provided any written authorization, instruction, or consent permitting the collection, use, or disclosure of this information. Despite multiple disputes, the agency has failed to produce competent, verifiable evidence establishing its authority to report these items, which remain unauthorized, unverified, and inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: HI

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-05-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: AL

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent reporting of my student loan account across XXXX XXXX XXXX XXXX I have identified multiple discrepancies between all three credit reporting agencies, including different : * balances owed, * due amounts, * payment statuses, * delinquency dates, * and last payment dates. The information being reported is not consistent, which raises concerns regarding the accuracy of the furnished information. I have repeatedly requested documentation and verification supporting the reporting, including confirmation of the delinquency timeline and repayment history, but I have not yet been provided with sufficient proof or account validation. Additionally, this account appeared on my credit reports after servicing/payment handling transitioned to XXXX. During that time, I did not receive clear communication or advance notice regarding the reporting changes or repayment expectations. Due to a prior compromise involving my Social Security number and a security freeze placed on my credit reporting, I initially could not determine whether the account activity was legitimate or potentially fraudulent. I later contacted XXXX XXXX XXXX XXXX directly, and they confirmed that XXXX is a legitimate furnisher. Once that was confirmed, I became willing to discuss repayment options and resolving any valid current balance. I am concerned about the reporting accuracy and timeline because the account appears to have progressed directly to severe delinquency reporting without any prior reporting of 30-day or 60-day late payments. The reporting appears abrupt and inconsistent with normal progressive delinquency reporting practices. This reporting significantly impacted my credit rebuilding efforts and financial standing. I am requesting : * A full investigation into the accuracy of the furnished information * Verification of all reported balances, due dates, delinquency dates, and payment history * Verification of the dates and methods of all notices allegedly sent * A complete payment and account status history * Correction or removal of any inaccurate, unverifiable, or inconsistently reported information * Review of whether the reporting complied with Fair Credit Reporting Act obligations for accuracy and completeness I am attempting to resolve this matter in good faith and am willing to discuss reasonable repayment arrangements on any properly verified balance.

Company response to consumer: Closed with explanation