vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 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: IN

Complaint narrative:
I have an auto loan serviced by Santander XXXX XXXX. On XX/XX/year>, the Indiana Department of Revenue sent notification to me, which I received on XX/XX/year>, that a secondary lien was placed on my vehicle title due to an unpaid tax bill. I paid this tax bill in full on XX/XX/year>. A letter of satisfaction was sent to Santander and me on XX/XX/year>. I am not requesting release of the title to myself, as I understand I still have an outstanding loan balance. I am only requesting that Santander send the title to the Indiana Department of Revenue temporarily so a satisfied lien can be removed, after which the title will be returned to Santander. The Indiana Department of Revenue has attempted to contact Santander multiple times to request that the vehicle title be sent to them so they can remove the satisfied lien. Santander has not responded to these requests. I have personally contacted Santander numerous times over the past several weeks and have received inconsistent and conflicting information, including : - Being told Santander will not send the title - Being told Santander would send the title within 35 business days - Receiving no confirmation or follow-through - Denied access to speak to a superior As of today, almost 6 months later, Santander has still not sent the title to the Indiana Department of Revenue , and the lien remains on my vehicle despite being fully paid. This issue is preventing me from selling my vehicle. I received a purchase offer of approximately {$15000.00} from XXXX, which would have paid my vehicle off in full, but it was later was declined by XXXX due to the secondary lien on my title. I then received a secondary offer of approximately {$13000.00} from XXXX, which was significantly less than what I would have received from XXXX. I denied the offer from XXXX as it would not have satisfied my payoff. These reductions represent financial harm caused by Santanders failure to act in a timely manner. Santanders failure to act and provide consistent, accurate information has unnecessarily prolonged this issue and caused me financial harm. I have included the letters from the Indiana Department of Revenue, the purchase offers from XXXX and XXXX as well as the decline letter from XXXX due to the title XXXX not being removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 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: Block, Inc.
State: NY

Complaint narrative:
Consumer Financial Protection Bureau Complaint Company : Cash App ( Block, Inc. ) Product/Service : Money Transfer / Mobile Payment Service Issue : Account Suspension / Closure Without Explanation & Lack of Access / Transparency Complaint : I am filing this complaint against Cash App regarding the sudden suspension/closure of my account without a clear explanation or meaningful opportunity to resolve the issue. My account was recently suspended, and I was informed that this action was due to an alleged violation of the Terms of Service. However, Cash App has refused to provide any specific details regarding what actions or transactions led to this decision. This lack of transparency prevents me from understanding or correcting any alleged issue and raises serious concerns about fairness and due process. I have attempted to contact Cash App support to resolve this matter and request clarification, but I have only received generic responses stating that they can not provide further information. I am a legitimate user and have not knowingly engaged in any activity that would violate their terms. This situation has caused financial disruption and stress, especially if access to funds has been limited or delayed. As a financial service provider, Cash App has a responsibility to provide clear communication and fair treatment to its users. I am requesting the following : XXXX. A detailed explanation of the specific reason for my account suspension 2. A full review of my account by a human representative 3. Immediate restoration of my account, if no valid violation is found 4. Immediate access to any remaining funds in my account If Cash App is unable to restore my account, I request a written explanation supported by specific details, not a generic reference to their Terms of Service. I am submitting this complaint in good faith and expect a timely and substantive response. Consumer Information : Name : XXXX XXXX Email : XXXX Phone : ( XXXX ) XXXX Preferred Resolution : Account reinstatement or full explanation and release of funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute and request the removal of incorrect information reported by XXXX XXXX XXXX XXXX XXXX on my credit report. My name is XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. The account in question is Account Number : XXXX, which currently shows a derogatory status with a balance of {$37000.00}. This incorrect account status has severely impacted my credit scores, which are currently XXXX across all three major credit bureaus : XXXX, XXXX, and XXXX. As a result, I have faced significant challenges, including increased interest rates on any new credit and difficulty in obtaining financial products essential for my family 's well-being. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report and have it corrected or removed. Upon reviewing my credit report, I found that the status of this account is inaccurately reported as derogatory. I have not received any documentation or communication from XXXX XXXX XXXX XXXX XXXX to substantiate this derogatory status, nor have I been informed of any delinquency that would warrant such a status. I have previously contacted XXXX XXXX XXXXXXXX XXXX XXXXXXXX to resolve this issue, but as of today, the incorrect status remains on my credit report. This continued reporting of inaccurate information is a violation of the FCRA, which requires creditors to report accurate and complete information. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) assist in facilitating the complete removal of this account from all three credit bureaus : Equifax, Experian, and TransUnion. I believe this is a fair resolution given the lack of evidence supporting the derogatory designation and the impact it has had on my financial health. Thank you for your attention to this matter. I look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TN

Complaint narrative:
Was laid off by my employer XXXX XXXX, XXXX because of the company cutting its employed staff. Was told by employer, I was let go because of the decline in the economy and work as well. Requested mortgage assistance from my mortgage company because I am not currently working. I am presently trying to secure full-time employment ; I do not want to lose my home I was told I could apply for a forbearance by the bank customer service, collections dept. but if I am approved, I would have to pay all attorney fees, insurance, property taxes that is being escrowed immediately before I could be approved for a forbearance. I was told the bank who's my mortgage servicer does not offer mortgage assistance. I need mortgage assistance to remain in my home. I am unemployed with no current income. Please Help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I requested a stop payment on a check that was accidentally deposited while I was depositing my business checks in another account and had a check to deposit into my personal account and the checks were mixed up. I told the representative what happened why I need to place to stop check. They said it would be fine. The account will be protected during the investigation process and then come to find out. They put it in for a fraud in which I was found not to commit fraud, and the account was unfortunately closed, but they were told I would be able to open an account because the account was closed in good standing in which Capital One did not honor and reported to check systems as a negative account!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
ollection XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Account Number : ending in XXXX Amount : {$210.00} Date Assigned : XX/XX/XXXX I do not recognize this account and have no knowledge of this debt. I have never entered into any agreement with this creditor. I am requesting full validation of this alleged debt, including : Signed contract or service agreement Complete payment history XXXX this account belongs to me XXXX of legal authority to collect If this information can not be provided, this account must be deleted immediately. ADDITIONAL INACCURATE ACCOUNT XXXX XXXX Collection Services Amount : {$440.00} Reported : Around XX/XX/XXXX This account is also not mine, and I dispute it in full. Please investigate and remove if it can not be verified. REQUEST FOR ACTION I am requesting that you : Conduct a full and reasonable investigation Remove all unauthorized inquiries listed above Delete all unverified collection accounts Provide written confirmation of all deletions and corrections NOTICE If these items can not be properly verified, they must be removed in accordance with the Fair Credit Reporting Act ( FCRA ). Failure to correct this inaccurate reporting will result in additional complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.UNAUTHORIZED HARD INQUIRIES The following hard inquiries were made without my knowledge or authorization : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for credit with any of these companies and did not authorize access to my credit report. Under FCRA Section 604, a company must have a permissible purpose to access my credit file. These inquiries were made without my authorization and therefore violate federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. Specifically, I request that you provide : The amount of the alleged debt, including any fees, interest, or additional charges The name and address of the original creditor Documentation showing that I am legally obligated to pay this debt Proof that your company is authorized to collect on this debt A copy of any agreement or contract bearing my signature related to this debt Until you provide proper validation of this debt, I request that you cease all collection activities and refrain from reporting this account to any credit reporting agencies. If this debt has already been reported to any credit bureau, I request that it be marked as disputed. Please note that this is not a refusal to pay, but a request for verification of the debt. I prefer that all future communications regarding this matter be made in writing. Thank you for your cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited XXXX third-party checks totaling approximately {$3200.00} into my Chase checking account. After the deposit, Chase restricted and then closed my account due to concerns about verifying the check issuer. Chase informed me that they needed to verify the person who issued the checks. However, they stated that the phone number provided for the check issuer could not be verified in their system or found in public records. Because of this, Chase refused to proceed with verification and did not provide an alternative method to verify the issuer, such as in-person verification or using other forms of documentation. I made efforts to provide accurate contact information for the check issuer, but Chase continued to rely on their internal verification system and did not offer a reasonable alternative to resolve the issue. As a result, my account was closed and I am unable to access or resolve the deposited funds. I am requesting assistance in resolving the verification issue and recovering access to my funds. Chase informed me that they needed to verify the person who issued the checks. However, they stated that the phone number provided for the check issuer could not be verified in their system or found in public records. Because of this, Chase refused to proceed with verification and did not provide an alternative method to verify the issuer, such as in-person verification or using other forms of documentation. I made efforts to provide accurate contact information for the check issuer, but Chase continued to rely on their internal verification system and did not offer a reasonable alternative to resolve the issue. As a result, my account was closed and I am unable to access or resolve the deposited funds. I am requesting assistance in resolving the verification issue and recovering access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Westlake Services, LLC
State: IL

Complaint narrative:
What happened : I am filing this complaint against Westlake Financial Services regarding wrongful repossession, excessive charges, and unfair and deceptive practices. In XX/XX/XXXX, I entered into a vehicle financing agreement through XXXX XXXX XXXX and made a {$4000.00} down payment. However, I was not provided a clear and separate itemized sales breakdown explaining how the vehicle price and my down payment were applied. Based on the contract, the vehicle price appears inflated, which reduced the true benefit of my down payment and resulted in an unfair financing structure. In XX/XX/XXXX, I was offered a settlement payoff of {$880.00}. Due to delayed workers compensation income from a work-related injury, I could not pay at that time. On XX/XX/XXXX, I contacted Westlake to pay the settlement. They refused to honor the {$880.00} offer and instead demanded {$1300.00}. Less than XXXX hours later, on XX/XX/XXXX, a repossession agent arrived at my home. I verbally objected and asked the driver to leave. The driver improperly lifted my vehicle, raising it excessively and creating a high risk of damage. The XXXX Police Department was called, and I was advised to hand over my keys to avoid escalation. The driver then drove my vehicle out of my driveway and re-hooked it. As a result of the repossession, my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To recover my vehicle, I was forced to pay {$2300.00}, which is significantly higher than both the previously offered settlement amount and the balance I was told. Additionally, my vehicle was held at a location that was not disclosed to me, and I was required to wait approximately XXXX week after payment before retrieving it. After payment, Westlake delayed sending my title for approximately XXXX weeks. Only after I made legal demands was the title sent within XXXX days via express mail. I am XXXX and rely on this vehicle for daily living, and this situation caused significant hardship. I previously filed a complaint in XXXX regarding concerns about this companys lending practices, which was referred to the Federal Trade Commission. This complaint reflects continued and escalated misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Regional Management Corporation
State: MO

Complaint narrative:
I took out a loan from Regional Finance for furniture for an apartment I am renting. I made the first payment a couple of weeks late and the next wasn't due for a few more weeks Regardless, they have called me XXXX or more times a week about payment. I am not even a month behind and they are already calling my family. I still have every call in my phone history and a text from my brother stating that they called him.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: TX

Complaint narrative:
Around XX/XX/year>, I sent a letter to Mohela asking them to verify the debt. In the letter they were asked to cease and desist contacting me. They've continued to call, leave voice mails and email me on a frequent basis. I've included a subset of the calls which were up to XXXX times in a day. Mohela XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am submitting this complaint against Chase Bank regarding a fraud claim that was improperly denied. I was the victim of a rental scam in which I sent money [ {$1500.00}, {$500.00} via XXXX XXXX, {$1000.00} ( split into XXXX ) via XXXX ) ] to an individual who falsely represented themselves as a legitimate tenant. After visiting the property in person, I confirmed that the individual had no association with the residence and that the listing was fraudulent. The transaction was made under false pretenses and was induced through deception. While the payment may appear authorized, it was not a legitimate or voluntary transaction, as it was based entirely on fraudulent misrepresentation. I reported the incident to Chase promptly and filed a claim. Despite explaining the situation, Chase partially denied my claim on the basis that the transaction was authorized. I had originally filed XXXX claim for all XXXX transactions but Chase separated it into XXXX claims. XXXX for XXXX XXXX {$500.00} ( claim # XXXX ) and the other for XXXX {$1000.00} ( claim # XXXX ). They credited the {$500.00} from XXXX XXXX but denied the XXXX claim ( {$1000.00} split into XXXX payments = {$500.00} each ). I do want to note that I filed a police report with XXXX XXXX precinct ( report # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Seattle Service Bureau, Inc
State: AK

Complaint narrative:
The national service bureau has repeatedly called me threatened me and even call my minor child discussed my debt and threatened him on his cell phone

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXXXXXX XXXX you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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