vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OH

Complaint narrative:
I am submitting this complaint regarding a debt collector that is reporting and/or attempting to collect an alleged debt that has not been properly validated.

I dispute this debt in its entirety. I have requested validation of the alleged account pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, yet the debt collector has failed to provide sufficient documentation proving : That I am legally obligated for this debt The identity of the original creditor The original account number A complete breakdown of the amount allegedly owed Proof of the debt collectors legal authority to collect this debt ( including assignment or purchase documentation ) A copy of any signed agreement or contract bearing my signature The date of the alleged debt and the date of last payment Additionally, I have been impacted by a major data breach involving my personal identifying information. Due to this breach, there is an increased risk of identity theft and fraudulent accounts. This makes proper validation of any alleged debt especially critical.

Despite the lack of proper validation and the heightened risk associated with the data breach, the debt collector continues collection efforts and/or continues reporting this account to one or more credit reporting agencies. Reporting or verifying an unvalidated debt under these circumstances is misleading and constitutes an unfair collection practice.

Until proper validation is provided, the debt collector is required to cease all collection activity, including credit reporting. Failure to do so may constitute violations of the FDCPA and the Fair Credit Reporting Act ( FCRA ).

I am requesting that the CFPB require the debt collector to : Provide full and proper validation of the alleged debt, or Cease collection activity and request deletion of the account from all consumer reporting agencies I am requesting the CFPBs assistance in ensuring compliance with federal consumer protection laws, particularly given the increased risk created by the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Tile loan on my truck i went in to fill out a loan for Credit they took my consumer Credit information I asked if they practice TILA there response was yes for the equal opportunity act I extended my credit information an got denied my own 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 2026-01-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: KS

Complaint narrative:
In 2018 I signed a loan with my dad who is XXXX right now as a cosigner. But the bank doesnt listen to me. The loan went from XXXX to XXXX within a short time. Plus they had the wrong address in the system since I moved. As I was gojng to college they were charging me interest. Which I thought my interest had paused because I was going to school for more than two years. I thought XXXX XXXX works with colleges but they don't. I asked them, if they do. But they really say they don't on the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Santander Consumer USA is reporting is reporting inconsistent delinquency information for an auto loan for which I am the primary borrower. My credit report reflects XXXX late payments while the coborrower 's credit report reflects XXXX late payments for the same account. When the coborrower contacted Santander for clarification Santander was unable to explain the discrepancy. Reporting materially different payment histories for the same account indicates inaccurate and unreliable credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting by Santander Consumer USA. This account is reporting as a charge-off while continuing to reflect ongoing balances and postcharge-off activity, which is inconsistent with accurate charge-off reporting standards. 
Despite prior disputes, Santander has failed to provide documentation validating the accuracy of the reported balance, the date of first delinquency, or the accounting used to calculate the charged-off amount.

Reporting incomplete or inaccurate information violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I am requesting deletion of this tradeline or full correction supported by proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I am enrolled in the SAVE income-driven repayment plan for my federal student loans, serviced by MOHELA. 

Due to a court-ordered administrative forbearance, my loans were placed into a non-billing status beginning XX/XX/XXXX. While no payments were due, interest resumed accruing effective XX/XX/XXXX. 

I was not provided actionable notice that interest would resume in a manner that allowed me to prevent accrual. During this period : ( 1 ) No bill was generated ( 2 ) Autopay was unavailable ( 3 ) The servicers system prevented enrollment in autopay because the account was in forbearance. 

As a result, interest accrued without any functional repayment mechanism. This created unavoidable financial harm caused by system design rather than borrower choice. 

When I contacted MOHELA, I was informed that interest accrual was required due to a court injunction, but no remedy was offered for the lack of notice or inability to access autopay. 

I am requesting review of whether interest should accrue during a period in which the borrower is administratively prevented from accessing standard repayment tools, and whether adequate notice and consumer protections were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
They have my personal information. I never signed any contracts with LVNV Funding LLC or done any business with them in the past. Do not know anything about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
In XX/XX/year>, my primary checking account was restricted and closed by my bank due to suspected fraud, and a replacement account was opened. During this transition, automatic payments and scheduled bill-pay transactions did not transfer and payments attempting to process from the closed account were rejected.

I was not notified that my automatic payments were failing and reasonably believed my bills were being paid. I later learned that one or more creditors reported 30-day late payments during this period. These late payments were not caused by neglect, unwillingness, or inability to pay, but by a bank-initiated account closure and rejected transactions.

I disputed the late payments multiple times with the credit reporting agency and provided documentation, including a CFPB-confirmed response from my bank explaining the account closure and rejected payments. Despite this, the creditors continue to report the late payments without addressing the cause of the payment failure.

As a result, my credit report reflects delinquencies that do not accurately represent my payment behavior, and I experienced additional harm such as credit-limit decreases triggered by the inaccurate reporting.

I am sharing this experience so other consumers understand how fraud-related account closures and automatic payment failures can lead to inaccurate credit reporting if not properly reviewed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc
State: GA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding Aidvantages failure to properly investigate and resolve a fraudulent student loan account opened in my name as a result of identity theft. 
The loan was issued by Aidvantage for enrollment at the XXXX  XXXX XXXX. Following a full investigation, the XXXX  XXXX XXXX formally confirmed in writing that the enrollment and loan were fraudulent and the result of identity theft. The University has advised that it has submitted all supporting documentation and its fraud determination to Aidvantage multiple times. 
I first became aware of the fraud when I began receiving calls from the XXXX  XXXX XXXX regarding enrollment. I later discovered a new loan added to my account dated XX/XX/XXXX, which I did not authorize. I immediately completed all fraud and identity theft documentation with the XXXX  XXXX XXXX and provided Aidvantage with the XXXX fraud confirmation letter, a police report, government identification, proof of address, signature samples, and all requested supporting documentation via fax and email on XX/XX/XXXX. Delivery was confirmed. 
Despite having full documentation confirming identity theft and fraud, Aidvantage has failed to conduct a proper and good faith investigation. Over the past six months, I have contacted Aidvantage more than ten times and have been repeatedly told that documentation was missing, despite confirmation from both Aidvantage representatives and the XXXX  XXXX XXXX that all required information was received. 
Aidvantage has improperly closed and denied my fraud claim in bad faith and continues to send form denial letters requesting a Loan Discharge Application for Forgery that I already completed and submitted. There is no direct access to XXXX fraud department, and despite multiple requests for escalation and callbacks, no fraud representative has contacted me. 
I have not attended any university since XXXX. The XXXX XXXX XXXX has clearly confirmed that this loan resulted from identity theft and fraud. Aidvantages failure to properly investigate, correct the account, and resolve this fraudulent loan violates consumer protection standards and has caused ongoing financial harm and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: CITIBANK, N.A.
State: NE

Complaint narrative:
I went to XXXX XX/XX/XXXX th on a vacation. I was at a retreat and didnt use my card. I discovered charges I didnt recognize a few weeks after when I called the bank to let them know and that I had written down my passcodes with my purse where my phone was and the card was in that same wallet lost. Also I had written down my card number for emergency purposes I kept in another purpose where I had to use my card online for a train ticket. I told them I would use for the train if ok and the block the card as I had no other way to pay for a train I needed and could wait for the blocked card after. Which I did. Upon reporting I received a chargeback for the amount and then they took it back after an investigation without any real reason. I will like assistance for a refund for these costs. And the only XXXX since I reported that I noted I did make after I investigated was XX/XX/XXXX made the day I left XXXX which showed up on XX/XX/XXXX XXXX is why I didnt recognize it as my card was not used XX/XX/XXXX XXXX XXXX th I believe when I reported it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
You only showed what was " supposedly '' mailed to me. Where is the certified proof I received it and signed for it? I am requesting proof for my court case. This does not satisfy my request as I did not receive any correspondence from you. Please show certified proof of mailings with my signature that I signed and received it. 

In my CFPB response dated XX/XX/year>, Aldous & Associates asserted that proof of the debt was mailed to my address. This statement is false or unsupported. I have received no validation, no documentation, and no evidence of mailing. Despite receiving multiple written disputes sent via certified mail, Aldous & Associates has failed to provide lawful validation as required under 15 U.S.C. 1692g ( b ). They have also failed to demonstrate that a reasonable investigation was conducted under 15 U.S.C. 1681s-2 ( b ), while continuing to furnish information to consumer reporting agencies. To date, Aldous & Associates has not produced : - Proof of mailing of any alleged validation - Documentary evidence establishing the debt - Evidence of authority to collect or report - Documentation reviewed during any investigation Continued credit reporting after unresolved disputes constitutes ongoing collection activity and unlawful data furnishing. This notice is issued to preserve the record. I am not refusing payment ; however, no obligation can be enforced, collected, or reported absent statutory compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: UT

Complaint narrative:
I am filing a complaint regarding a collection account being reported on my credit file. 
The account is being reported with a Date of First Delinquency of XXXX. This is incorrect. The original account became delinquent in XXXX. Reporting a newer delinquency date is inaccurate and may constitute illegal re-aging under the Fair Credit Reporting Act ( FCRA ). 
I also never received a validation notice or any written communication from the collection agency after they began reporting this account. I was not given the opportunity to validate the debt. 
I disputed this account with the credit bureau, but I am submitting this complaint because the information being reported is still inaccurate and I have not received proper notice. 
I am requesting : Correction of the Date of First Delinquency to the accurate XXXX date OR Deletion of the account from my credit report if it can not be properly verified Please investigate this matter and ensure compliance with the FCRA and FDCPA. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A credit card was opened under my Bank of America account, but I never received the card and never activated it. 

Despite this, more than {$500.00} in unauthorized charges appeared on the account. I did not make these charges. 

I previously filed a dispute, but it was not resolved. I spent over an hour on the phone being transferred between multiple representatives without receiving a clear answer or a fraud case number. 

I also visited a Bank of America branch in person, but was told they could not assist because they only handle debit services, not credit card issues. 

In addition, Bank of America withdrew {$99.00} from me related to this account, even though the charges are unauthorized and the card was never received or activated. 

I am requesting removal of all unauthorized charges, a refund of the {$99.00}, confirmation that I have XXXX liability under federal law, and written confirmation that this matter is resolved.

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 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
On my credit report through XXXX XXXX linked to my XXXX account it says I have a collection reported from CREDENCE RESOURCE MANA with a note saying XXXX XXXX XXXX. 
Im not aware of any debt to this creditor and would like verification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citi Bank closed my savings account on XX/XX/year> and returned all funds except {$3300.00}. The withheld amount consists entirely of payroll wages deposited by my boyfriend, XXXX XXXX, from his employer XXXX. 

Citi Executive Response stated that these funds can not be released and that XXXX must retrieve the money. XXXX has confirmed that processed payroll can not be recalled.

Citi did not request proof of identity, proof of employment, payroll documentation, or any verification prior to refusing release of these wages. No compliant verification process or alternative disbursement option was offered.

These funds are earned wages belonging to the employee. Citi is improperly withholding payroll funds and directing the parties to an impossible solution instead of completing verification and issuing lawful disbursement.

I am requesting immediate release of {$3300.00} via cashiers check payable to the employee. Citi is not permitted to retain or indefinitely withhold wages once payroll has settled.

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 2026-01-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: LA

Complaint narrative:
Disregarding cash app Texas I had the main return for 2024 Texas well I needed the original copies of 2024 taxes they gave me the instructions on how to obtain it but it failed to do so and they wasn't here for afterwards

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: MAS FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding an auto loan account that was repossessed over two years ago. 

Despite the passage of time, the company continues to contact me about this account even after I requested that all communication cease. In addition, the account is still being reported to the credit bureaus as delinquent with a status of collection/charge-off, which I dispute. 

If the account has been charged off, it should not be reported as actively delinquent. If the debt has been sold or transferred, the original creditor no longer has the right to continue reporting or attempting to collect. I have not been provided with proper written validation of the debt, including the date of charge-off, ownership of the account, or an accurate deficiency balance. 

The continued contact and reporting appear to violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that the company immediately cease all communication, correct or delete any inaccurate credit reporting related to this account, and provide written confirmation of the resolution. 

I am requesting the CFPBs assistance in resolving this matter. 
Repo date around XX/XX/2024 The vehicle is also being driven under my registration name still received Toll tickets after Repossession

Company response to consumer: Closed with explanation