vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 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: CL Holdings LLC
State: GA

Complaint narrative:
This account is being reported on my consumer file without proper validation. Under 12 CFR 1006.34 ( b ), you are required to provide a compliant validation notice containing all required disclosures. To date, I have not received sufficient documentation validating this alleged debt. Additionally, under FDCPA 1692g, I am requesting full validation of this account, including : Original creditor information Complete account statements Proof of your legal authority to collect Documentation bearing my signature or obligation Furthermore, under FCRA 1681e ( b ), you are required to ensure maximum possible accuracy before reporting any information. Reporting a debt that has not been properly validated constitutes inaccurate and unverified reporting. If you can not provide proper validation, you must : Cease reporting immediately Delete this account from all consumer reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Better Mortgage, Inc.
State: IL

Complaint narrative:
Company : Better Mortgage Loan Number : XXXX I am filing a complaint against Better Mortgage regarding their refusal to refund a {$500.00} rate lock fee. On XX/XX/year>, I paid a {$500.00} rate lock fee using my XXXX credit card with the understanding that the fee would be refunded if my refinance application was denied. My loan application ( Loan XXXX XXXXXXXX ) was denied on XX/XX/year>. Despite this, Better Mortgage has refused to issue the promised refund. I have made multiple attempts to contact my loan officer, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ), but received no response. I escalated the matter and received a response from XXXX XXXX, XXXX XXXX, XXXX of the CEO, stating they would not accommodate my request. However, no explanation or supporting documentation was provided to justify the refusal. This is a failure to honor agreed-upon terms and a lack of transparency in their decision. I am requesting a full refund of the {$500.00} rate lock fee and a written explanation of the basis for denying the refund. I have initiated a dispute with my credit card issuer and will continue to pursue all available remedies if this matter is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Failure to protect account holder from federal wire fraud / XXXX XXXX XXXX I am filing this complaint against Santander Bank regarding fraudulent ACH/Wire transfers totaling {$66000.00} These transfers were initiated under false pretenses to purchase cryptocurrency for an investment scheme operated by XXXX XXXX XXXX XXXX XXXX was arrested by the Department of Justice on XX/XX/year>, and charged with Wire Fraud for running a {$5.00} XXXXXXXX XXXX XXXX. I have attached my official Victim Status Letter from the XXXX XXXX XXXXXXXX, which proves these funds were stolen as part of a verified federal crime. When I alerted Santander 's fraud department to the crime and provided the FBI documentation, they refused to assist me or initiate a fraud chargeback/recall on the transfers. Santander is failing to adequately protect its consumers from severe financial exploitation and is refusing to cooperate with a victim who has provided undisputed proof of criminal theft from federal law enforcement. I request that the bank be required to honor the FBI documentation, open a formal fraud investigation, and credit my account for the stolen funds.

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 2026-04-20 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: NY

Complaint narrative:
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 2026-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Braviant Holdings, LLC
State: OH

Complaint narrative:
I previously had a loan with Balance Credit for {$1600.00}, of which I paid back {$1200.00} before being offered a refinance. I accepted the refinance offer for a new loan of {$3200.00} ; however, after the refinance was processed, I only received {$1600.00} in funds. Since then, I have already repaid {$1300.00} toward this balance. Despite this, I am currently being told that my payoff balance is approximately {$4000.00}, which is significantly higher than the amount I actually received. I have made multiple attempts to resolve this matter by offering to settle the account for a reasonable amount based on the funds disbursed to me, but these requests have not been accepted. Additionally, I have been informed that the account is now being reported to the credit bureaus. Under the original payment structure, I would have ended up paying nearly {$10000.00} in total, which I believe is excessive and unreasonable given the circumstances. At this point, I am seeking a fair resolution and simply want to close this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I made a hotel booking using my Citi XXXX XXXX card to redeem my {$200.00} hotel credit benefit for XXXX. However, after booking the system erroneously redeemed the credits that were for XXXX. I've reached out to Citi customer service numerous times only to get the same general response of the issue will be resolved soon wait another week or 2. There has also been a couple occasions where an agent would say they'd follow up with the ticket the following day but never contacts me back.

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 2026-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I sent a formal " Notice of Statutory Dispute and Settlement Offer '' to Santander Consumer USA via Certified Mail. This notice detailed specific violations of the Truth in Lending Act ( TILA ) and state consumer protection laws regarding my retail installment contract. Key issues identified include : Disclosure Violations : Documented discrepancies between the agreed-upon terms and the final APR/finance charges. Unauthorized Fees : Charges for GAP insurance and documentation fees that were either improperly disclosed or added under predatory conditions. Predatory Interest Allocation : Concerns regarding how payments are being applied to the balance vs. interest. In my formal dispute, I provided the company with a 15-day window to respond with a validation of the debt and a settlement proposal to remedy these violations. As of XX/XX/year>, the company has failed to provide any written response or acknowledgment of my dispute. My goal is a full rescission or equitable settlement of the contract due to these compliance failures and the company 's refusal to engage in the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FinCo Services Inc DBA Current
State: DE

Complaint narrative:
I opened a checking account with Current bank. After a {$200.00} ACH deposit, they promised me a {$100.00} bonus, which I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: AL

Complaint narrative:
Subject : Complaint Against Cavalry Portfolio Services for Failure to Respond and Escalation of Debt Collection Balance To Whom It May Concern, I am writing to file a formal complaint against Cavalry Portfolio Services regarding their handling of an outstanding debt originally purchased from XXXX. Despite my three repeated, documented attempts to resolve this matterincluding a certified letter dated XX/XX/year>, which Cavalry Portfolio Services representative XXXX XXXX received and signed for on XXXX XXXXI have not received any response to my settlement or payment proposals. From the inception of this judgment, I have never been provided with any payment options to resolve this matter, making it impossible to address the debt proactively. Furthermore, the collection balance on this account has significantly increased from {$14000.00} to {$17000.00} without adequate explanation. This escalation in fees and the lack of communication are concerning and appear to constitute unfair or deceptive collection practices. These actions appear to violate the Fair Debt Collection Practices Act ( FDCPA ), specifically the requirements regarding timely communication, fair dealing, and transparent accounting of debt balances. I respectfully request that the Consumer Financial Protection Bureau investigate Cavalry Portfolio Services for potential violations of federal consumer protection laws. I am also requesting that Cavalry Portfolio Services be compelled to : Provide a written response to my settlement proposal Offer a detailed explanation of the balance increase, including an itemized accounting of all fees and charges applied since the debt was acquired Cease any further accrual of interest or fees until they have fulfilled their obligations to respond in good faith I am attaching supporting documentation, including copies of my correspondence and proof of delivery. Please advise on any additional steps I should take to ensure my rights are protected. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
On XX/XX/year> at approximately XXXX, I attempted to withdraw {$500.00} from a Santander ATM located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX using a Bank of XXXX debit card. I canceled the transaction at the final confirmation screen by pressing No. However, I later received a notification that the transaction was processed, and {$500.00} was deducted from my account. I immediately went inside the branch to seek assistance. Staff members XXXX XXXX and XXXX XXXX informed me they could not help and told me to contact my bank in XXXX. They refused to check the ATM, review any records, or escalate the issue. I offered to contact my bank immediately to verify the issue and asked if they could assist by checking ATM records or cameras, but they declined and asked me to leave. I offered them number, but they cant give solution. I asked for number to file complain, but they only gave me bank customer service number, which doesnt work because I am not with Santander . No incident report was filed, and no assistance or guidance was provided.

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 2026-04-20 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 Adjusters, LLC
State: TX

Complaint narrative:
NCA is falsely reporting on my credit. I have never had any accounts with them. Per my research NCA 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 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
I am formally disputing a collection account that has appeared on my credit report which I do not recognize and have no knowledge of. I have never incurred or authorized this debt, and it remains unverified. In addition, I have been subjected to repeated and aggressive collection attempts through various channels, including threats of legal action. This situation is both distressing and unacceptable, as it reflects inaccurate information on my credit report and violates my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank 's response to complaint XXXX is factually false. They claimed I did not provide cancellation proof. I faxed the proof on XX/XX/XXXX, and their own agents confirmed receipt. I have emailed the XXXX XXXX XXXX the proof again today

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 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have disputed several accounts on my credit reports multiple times ( more than three rounds ) with both the credit bureaus and the furnishers over a period of several months, including most recently in XXXX XXXX The accounts at issue include : - XXXX XXXX XXXX ( collection account ) - LVNV Funding LLC ( collection account ) These accounts involve balances ranging from approximately {$800.00} to over {$9000.00}. In each dispute, I requested full validation of the alleged debts, including : - A signed contract - Complete chain of title - Full payment history - The method of verification used in the investigation Despite these requests, none of the companies provided any verifiable documentation. Instead, they continued to report the accounts and, in some cases, simply updated or modified the information without providing evidence of accuracy or ownership of the debt. For example, after one of the investigations, the credit bureau reported that the account information had been updated, but no documentation was provided to support the changes or confirm the validity of the debt. This demonstrates that no reasonable investigation was conducted. The continued reporting of these accounts without proper verification is inaccurate, misleading, and harmful. As a result, I have suffered damage to my credit profile, including a reduced credit score, limited access to financing, and financial harm. These actions appear to violate : - Fair Credit Reporting Act ( 15 U.S.C. 1681i failure to conduct a reasonable reinvestigation ) - Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) failure to ensure maximum possible accuracy ) - Fair Debt Collection Practices Act ( 15 U.S.C. 1692g failure to validate debt ) I am submitting this complaint as a formal escalation after repeated attempts to resolve the issue directly with the companies involved. The accounts being reported include multiple collection accounts from LVNV Funding LLC ( approximately {$830.00}, {$730.00}, and {$650.00} ), XXXX XXXX XXXX ( approximately {$830.00} ), and charged-off accounts from XXXX ( approximately {$9000.00} ) and XXXX Bank ( approximately {$860.00} ). All of these accounts have been disputed multiple times. Despite this, none of the furnishers or credit bureaus have provided : - Any signed agreement - Any chain of title - Any payment history Notably, all collection accounts show no payment history available yet continue to be reported as valid. Additionally, one account ( XXXX ) is reported as dispute resolved while still reporting a charged-off balance, which is inconsistent and misleading. This demonstrates a failure to conduct a reasonable reinvestigation and continued reporting of unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 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: TX

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-04-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
On XX/XX/year>, I sent a written request for debt validation regarding a {$250.00} collection account related to XXXX XXXX. I requested an itemized statement, signed agreement, proof of assignment, and payment history. On XX/XX/year>, the company responded but only provided the name of the creditor and did not supply the requested documentation. No contract, itemization, or proof of legal authority to collect was provided. Despite failing to properly validate the debt, the company continues to report the account to credit bureaus as accurate. The amount and validity of the debt remain unverified. I am requesting that the company either provide full documentation supporting the debt or delete the account from all credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This is the last escalation of my previous demands. Your refusal to provide a lawful, transparent, and verifiable explanation for your actions is unacceptable, and it represents an outright violation of federal compliance standards and consumer protection laws. You have failedrepeatedlyto justify the collection, retention, or reporting of ANY data tied to my name. Your ongoing silence and blatant disregard for the law is not just negligence ; it is willful, intentional non-compliance. Let me make this crystal clear : I demand the immediate, unconditional deletion of every single data point, file, note, internal record, audit log, or reported item associated with my name that you can not back up with legally admissible, fully compliant documentation. No assumptions, no fabricated entries, no unverifiable dataonly concrete, lawful proof. Any record that does not meet this legal standard must be erased immediately.

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 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My PayPal account was permanently limited without any explanation or evidence. PayPal has refused to identify the specific User Agreement section they claim I violated. I repeatedly asked for a manual review and for the evidence supporting the limitation, but PayPal only provides automated or scripted responses. My account had zero transactions, zero disputes, and zero chargeback risk. Despite this, PayPal is withholding my balance of {$2700.00}. A PayPal representative previously told me my funds would be released within 3 business days because there was no activity on the account and no possible future liability. PayPal is now contradicting that statement and claiming the funds will be held for 180 days. They have not explained this contradiction. PayPal refuses to provide : The specific User Agreement section allegedly violated Any evidence of risk concerns Any explanation for the 3day release promise Any explanation for withholding funds when no transactions ever occurred Any option for appeal or human review I am requesting the CFPBs assistance to obtain : The specific policy PayPal claims I violated Any evidence supporting the limitation A manual review by a human reviewer Release of my funds, especially given the prior 3day release promise PayPals lack of transparency and contradictory statements have prevented me from accessing my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: GA

Complaint narrative:
During the middle of a car repair me my wife and XXXX XXXX XXXX XXXX XXXX child was left stranded and my account was suspended and closed without any reason of wrong doing. I was left with no email as promised or without contact and was rudely advised that nothing could be done dispite being told to call to resolve issue at customer service number

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Confusing or misleading advertising or marketing — 
Company: Allied Enrollment Centers LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX, I signed up for a student loan forgiveness program offered by Allied Enrollment Services. They initially charged me {$190.00} each month until XX/XX/XXXX. They have since been charging me {$39.00} per month up to date. Today 's date is XX/XX/XXXX. If my math is correct, that is {$3900.00} was charged to my account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief