vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
My husband buy a store XXXX XXXX a earrings in XX/XX/25 and pay for devit card the citizens bank but the XXXX  XXXX have XXXX the earrings in existence when the never arrive a home we call the store and say return the many {$410.00} and see many week dont arrive the many we call the bank and put the case for we need the many and see my stament the day the bank reflect in my account the day dic. XX/XX/25 i take picture but everitime i do in transaction when i by in werewer store but the bank open une case the number the case is XXXX and thell me in XXXX  days have refound and i so many days the many no refound after XXXX  day i call the bank and XXXX persone the name XXXX tell me the money was not paid by us. and i say yes i took a picture when you bank applied it and now they made me send them the fotho by Email : the guy tell me is XXXX. I send now and say in 8 day guive to me resolution but wy the bank eraise the devit the my staiment i no trust. the bank guive to me good resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
I XXXX XXXX contacted Santander XXXX  USA Inc about a repayment that I've never received at my past or current address. 

Amount : {$1300.00} Action taken : No action has been taken that I'm aware of. 

Date : last contact with santander was in XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 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: MD

Complaint narrative:
Citibank issued a credit card to someone who stole my identity. They applied for the card on XX/XX/year>, and it was issued without a credit check on XX/XX/year>. I have had a freeze placed on my credit for approximately XXXX XXXX. On XX/XX/year> the card was used in an attempt to purchase XXXX firearms from XXXX for {$1800.00}. Citibank called me to see if the charge was valid. I informed them I had not applied for a card with their company. They have currently placed a hold on that card. I have had to contact multiple government agencies to fix this problem ... OIG, FTC, XXXX, police department, and credit bureaus to place a fraud alert on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Landmark Strategy Group, LLC
State: GA

Complaint narrative:
I had got one message on XX/XX/XXXX from " XXXX XXXX XXXX  '' as over due payment with " XXXX XXXX XXXX ''. 
After making sure it was not a spam, I called XXXX XXXX XXXX first and they could not provide any information and asked to call XXXX XXXX XXXX. When I called XXXX XXXX XXXX, the last XXXX ditis of Social number they told belong to me, all other information relating to like address, email, purchase details were wrong and I am not aware of that transaction or company. I was told it will be kept on hold for 90 days and they will inform be my mail after investigation. I had told them I will be out of country from XXXX till XXXX. So had requested to expedite and fix the issue before I travel.Howeve when I didn't get any mail so far, I called yesterday on XX/XX/XXXX and I was told the case is transfered to " XXXX XXXX XXXX '' and provided a number. The number was correct in XXXX XXXX XXXX website and when I was calling it was transferring to " XXXX XXXX XXXX ''. 
So I called again today and some one from XXXX XXXX XXXX transfered to another person from " XXXX XXXX XXXX '' who told it is a very lenghy process and will need police complaint and also notary affidavit and will follow several steps and all should be finished by XX/XX/XXXX. However I won't be available from XX/XX/XXXX till XX/XX/XXXX and being out of country can't receive or response to any mail. Had it been through email I could have done from any place. But I was told he can't be able to help anything on this and this has to be completed by XX/XX/XXXX. 

Kindly help to keep this on hold during my absence so that I can work on the resolution once I return back. 

Regards XXXX XXXX Phone : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: CarMax, Inc.
State: TX

Complaint narrative:
I have repeatedly requested that CarMax explain why I am being charged future interest fees after making my payment on XX/XX/year>, which matches the principal amount financed. On XX/XX/year>, after reviewing the CarMax ALFA Payment History report they provided, I observed that my annual percentage rate was not calculated at the contracted 3.95 % but instead at 10.55 %. 

Additionally, the Total Amount reflected in the report does not align with either the 3.95 % or the 10.55 % calculations. Instead, it reflects a figure that does not appear anywhere in the Retail Installment Contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: WA

Complaint narrative:
I was returning a call from XXXX this morning at XXXX and called a guy named XXXX XXXX XXXX He was essentially asking why I was dodging my debt. I tried to let him know the situation and how I am actually taking my apartment complex to court and how I got an attorneys opinion on the situation as well. He had a very sarcastic and rude tone and attitude. He then said things to me like Give me your attorneys name I would LOVE to talk to him and If I owed what you owed I wouldnt be ___ and Im sorry for what happens next, and I know where you work and how much you get paid in an evil tone. He was also trying to get me to admit I broke my contract when I was also trying to explain my side and provide evidence. He was not trying to listen to what I had to say at all and I felt attacked the entire call. 

How am I supposed to take this? It feels like a threat to my livelihood. This is NOT OKAY. Even if I did owe this debt, this is not the way to go about trying to collect this. He was entirely too rude and I am typing this through tears because I am frankly incredibly shocked and shaken from this situation. This is abusive and manipulative.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: GA

Complaint narrative:
See prior Complaint # XXXX Moneys via ACH draft were taken out of our XXXX XXXX checking accounts. The ACH drafts were initiated by AmEx. The money was never credited to any of our Amex accounts. We called AMEX to see why they didn't credit our accounts, since they drafted the money from OUR checking account, and we were advised that they could not discuss the matter with us since we were not the cardholder where OUR money landed or credited. 
We tried to no avail with XXXX bank ( XXXX claim # XXXX ) which CFPB reported that XXXX told them there was not a claim number issued. 
XXXX bank claims they just honored the XXXX draft that Amex presented. AMEX Claims they received the monies but won't tell us what they did with them. Are they unapplied cash?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: TX

Complaint narrative:
Our lease at the apartments we lived at was coming to an end. The apartment management team was notified that we wouldnt continue our lease for the next 6 months and we decided to pay the month to month lease until we found another place to live. After 2 months of paying month to month rent, we notified the office that we would pay the XXXX month of rent but that we found a place to live and will no longer pay for the XXXX month of rent. They gave us an option to sign for another 6 month lease but we already had planned to move. Since the apartments were sold, a new management team was hired and they never got the notice that we werent on a 6 month lease and that we were paying month to month rent until we found another place to live. We never resigned the 6 month lease and that is what the apartments are wanting me to pay. They are accusing me of violating my 6 month lease when I had already informed them and signed paperwork saying I am on a month to month lease until we moved out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America credit card My card stolen and used without my knowledge. Multiple charges they are charging me from someone using my card of {$960.00}

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 2026-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: MOHELA
State: NJ

Complaint narrative:
I first applied for the private loans School Misconduct discharge with Mohela, who had been assigned as my servicer, on XX/XX/XXXX. I sent them a detailed account of what the XXXX XXXX XXXX California XXXX XXXX had fraudulently led me to be unable to repay my loans. During this time my Federal loans were fully discharged, case number XXXX, on the basis of the following statement, " We previously notified you that the federal student loans you received to attend The XXXX XXXX during theperiod of XX/XX/XXXX through XX/XX/XXXX would be dischargedbecause XXXX concluded that your school made pervasive and widespreadsubstantial misrepresentations which borrowers relied on to their detriment, and/or violated state consumer protection laws. '' However, the private loans were repeatedly denied dischared. There reasons for not accepting the discharge were insufficient evidence of alleged misconduct, harm and length of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS 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 non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
BMO Bank Account 1 : Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX BMO Bank Account 2 : Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX I did not authorize anyone to open a checking or savings account. My identity was stolen I have no knowledge of these accounts.

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 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I submitted a written request to the collection agency instructing them to cease all communication with me. Despite this request, the company continued to contact me and engage in collection activity. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), which requires debt collectors to stop communicating with a consumer after receiving a written cease communication notice. Continued collection activity after this request also constitutes unfair and unlawful practices under 15 U.S.C. 1692d, 1692e, and 1692f. I am requesting immediate removal of this collection account from my credit report and written confirmation that all collection activity has stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
On both XX/XX/year> and XX/XX/year>, I received an email from Resurgent Capital attempting to collect a debt to my personal email address. 
The emails disclosed the original creditor ( XXXX XXXX  ), information that the account was in collections, the balance due on the account ( {$1100.00} ), and the name of the original debtor ( XXXX XXXX ). 

I am not XXXX, and do not know XXXX. 
This means that Resurgent violated the FDCPA by disclosing these account level details to me on two occasions ( and soon to be a third ).

Additionally, I did not initially see the name of the debtor on the email that arrived on XXXX XXXX. I spent much of XXXX XXXX and XXXX distraught about a debt someone was trying to collect from me that I did not owe. 
Resurgent Capital 's carelessness, negligence in verifying who they were trying to collect from, and wonton disregard for the Fair Debt Collections Practices Act negatively impacted what should have been a joyous holiday event with my family.

The following week, I called Resurgent Capital to let them know of their mistake.

I was not allowed to speak to a supervisor, and told I would need to write the company, which I did.

Three weeks after sending communication to Resurgent Capital 's South Carolina office, I received a third attempt to collect this debt from Resurgent Capital, this time via XXXX XXXX. It disclosed all of the same information that should not have been disclosed to me in the first two communications. 
This letter was particularly upsetting, because it came after I had called and written Resurgent Capital to let them know they were trying to collect an invalid debt.

It demonstrated that this company does not care about accuracy or following federal law meant to protect consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: IL

Complaint narrative:
Bank of America Credit Card was closed without informing me. After calling them, they said that a letter was sent regarding this issue. Upon receival of letter dated XX/XX/XXXX, it reported that they closed account due to irregular transactions or activity on one or more of my accounts, with us and/0r our affiliates. 

The key factors that adversely affected my credit score are : too few accounts paid as agreed lack of recent installment loan information too many accounts with balances Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high.

All of this information is false and fraudulent. I had this one card for over 30 years. I reported this to the credit bureaus however my credit went way down since this time. It was reported as close to XXXX and the my bank shows it as XXXX. I have spent countless time on the phone with Bank of America early in this case with no help from them. I have also spent much time contacting credit bureaus. 
I just received a letter from Bank of America due to a dispute. They wrote : All of the account details we reported are accurate. 
We are reporting that this account has never been delinquent we have completed our research and consider your dispute resolved. the letter was dated XX/XX/XXXX. They ended by by stating that I can reach out to the consumer reporting agencies which I have done.I expect my credit to be restored. XXXX  will be continuing to investigate this until around the middle of XX/XX/XXXX. In the meantime, my credit is way down and I don't have a credit card. This was reported in my first report filed with you.

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 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of the above-referenced account and to request full validation and accounting.

This debt is currently being collected through court-ordered wage garnishment. Payments have been deducted from my paycheck on a recurring basis. However, LVNV Funding is reporting an incorrect balance, reporting 0 % paid, and failing to reflect payments already made.

Additionally, I dispute ownership of this debt. This account was never mine, and I previously disputed it by phone. Despite this, garnishment continues and inaccurate credit reporting remains.

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting : 1. A full payment accounting, including all amounts collected to date 2. The current remaining balance, including interest and fees 3. Proof of ownership of the debt 4. Proof that I was properly served in the underlying court case 5. Immediate correction of all credit reporting to reflect payments made If LVNV Funding can not provide accurate verification, I demand that collection activity cease and that this account be deleted from my credit reports.

Please note that inaccurate reporting of a debt under active garnishment constitutes a violation of federal law.

I expect a written response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: CA

Complaint narrative:
I have identified multiple credit inquiries on my report from companies with which I never applied for credit or authorized access to my information. These unauthorized inquiries are adversely impacting my credit score and raise serious concerns regarding possible identity misuse or reporting errors. Despite my prior attempts to resolve this matter, the issue remains unresolved. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information appearing on my credit report. I am formally requesting a complete investigation to determine the validity and source of these inquiries and to remove any that can not be properly verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Incorrect information on your report — Account status incorrect
Company: SOUTHSTATE BANK CORPORATION
State: FL

Complaint narrative:
XXXXMy husband and I had a CD loan, which is now paid in full. At the time of the loan, some payments were placed in deferment due to my husband having a major XXXX. These payments are showing as missed on my credit report, which is untrue because at that time it should have been in deferment.XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount Number: XXXX'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief