vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Sunlight Financial LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, a representative from XXXX XXXX XXXX approached us regarding a front yard landscaping project. On XX/XX/XXXX, an Evaluation Contract was signed with XXXX, and financing paperwork was completed with Sunlight Financial. Throughout the summer of XXXX, the XXXX was repeatedly contacted via text and email regarding the uncompleted project.Due to the unfinished work, Sunlight Financial originally agreed to stop our monthly payments. However, in XX/XX/XXXX, the XXXX falsely claimed to Sunlight Financial that all work was complete, and Sunlight Financial unilaterally resumed forced billing, despite a total failure of contract performance.The project remains heavily defective and unfinished in the following ways : Unfinished Utilities : The specialized landscaping plumbing/irrigation system remains entirely uncompleted and non-functional. Drip lines were installed but were never connected to the water system or a timer. Missing Electrical Infrastructure : The contracted XXXX post lights were never installed, leaving the lighting layout non-existent.Abandoned Vegetation & Dead Plants : The existing hedge was left completely " as-is '' without contracted modifications. Because the contractor failed to install the irrigation system, a significant number of the provided plants have since died. Unauthorized Tree Substitution ( Breach of Agreement ) : The contractor explicitly agreed to supply and install a XXXX XXXX XXXXXXXX ( documented via text admissions by the representative on XX/XX/XXXX ). Instead, the XXXX unilaterally installed an incorrect speciesa XXXX XXXX consent. Defective Rock Installation : The front yard river rock was left piled up improperly in a single area, completely ignoring the agreed-upon design plans. XXXX XXXX XXXX : Due to complete abandonment by XXXX, we were forced to personally rearrange the yard layout. Unused supplies have sat abandoned on the front porch since last year, documented by date-stamped photographic evidence. We have formally revoked our XXXX automatic payment authorization with our bank to stop these predatory withdrawals. We have also sent physical dispute notices via Certified Mail XXXX XXXX XXXX and their partner originating bank detailing this timeline. We request immediate federal intervention to compel the lender to cease collection activities on this fraudulent, uncompleted contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the accuracy, completeness, and legal enforceability of the above-referenced account reported and collected by Santander XXXX XXXX account ending XXXX XXXX XXXX XXXX XXXX with an alleged balance of XXXX XXXXXXXXYour failure to provide proper validation, lawful verification, and accurate reporting may constitute violations of the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act, and other applicable federal consumer protection laws. If this matter is not resolved immediately, I will pursue all remedies available to me under federal law, including additional regulatory complaints and potential civil action for damages caused by inaccurate reporting and unlawful handling of my consumer information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
XXXX XXXX collapsed, rendering my entire travel package physically impossible to use. Affirm is engaging in unfair billing practices by forcing me to pay for a predatory loan on an impossible itinerary, ignoring a catastrophic industry shutdown.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I did XXXX extended deferred payments was told and a signed a contact that only XXXX would be applied for interest a total of XXXX would be charged and after maturity date I would only have to pay XXXX more months. They have me owing XXXX pay off. They applied interest wrong and went against the contract I signed in my email that I still have

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Marauder Corporation
State: SC

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Nationwide Capital regarding inaccurate and unverified information being reported and/or collected in connection with an alleged debt. I formally dispute this account and request full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Nationwide Capital has failed to provide sufficient evidence that : * The alleged debt is accurate; * I am legally obligated for this account; * They have legal authority to collect or report this debt; * The information being furnished to consumer reporting agencies is complete and accurate. Under federal law, I request the following documentation : 1. A copy of the original signed agreement or contract ; 2. Complete payment and billing history ; 3. Documentation proving ownership or assignment of the alleged debt ; 4. Verification of the amount being reported ; 5. Proof the account is within the applicable statute of limitations. Pursuant to FCRA 611, I request that this account be thoroughly investigated. If Nationwide Capital can not provide proper validation and verification, this account must be permanently removed from all credit reporting agencies. Please note that reporting inaccurate or unverifiable information may violate FCRA 623 ( a ) ( 1 ) ( A ), and attempting to collect a debt without proper validation may violate the FDCPA. I request that the CFPB require Nationwide Capital to either : * Provide lawful and complete validation of the alleged debt ; or * Immediately delete the account and cease all collection activity. I also request written confirmation of the investigation results and any corrections made to my credit file.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-27 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: CA

Complaint narrative:
I am formally disputing the accuracy and completeness of the reporting of the above-referenced XXXX XXXX XXXX account. I previously disputed this account through the consumer reporting agencies. XXXX XXXX responded that the information was verified and/or updated. However, the reporting continues to contain inaccuracies and inconsistencies. Specifically : The payment history and delinquency reporting are not reported in a clear chronological manner. The reported payment history appears inconsistent with other account information being furnished. The account continues to reflect information that remains inaccurate despite prior disputes and verification responses. Because the same inaccuracies remain after investigation, I request that XXXX XXXX conduct a reasonable reinvestigation of all information being reported regarding this account and provide the basis for any verification previously supplied to the consumer reporting agencies. Additionally, I have repeatedly requested a copy of the complete executed retail installment sales contract and governing account agreement for this account. XXXX XXXX representatives have indicated the documents would be provided, yet they have not been received. Accordingly, I request : A complete copy of the executed Retail Installment Sales Contract and all account agreements applicable to this account ; A complete payment history and account ledger ; An explanation of how the disputed information was verified ; The identity of the person, department, records, and documents relied upon during the investigation ; Correction or deletion of any information that can not be verified as accurate and complete. Please treat this correspondence as a formal direct dispute and provide a written response with supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 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: ME

Complaint narrative:
On XX/XX/year>, a fraudulent charge of {$900.00} from XXXX XXXXXXXX XXXX in XXXX, Maine was charged on my Bank of America XXXX. I spend summers in Maine, but in XXXX I was living in my winter home of XXXX XXXX, Texas. I have submitted proof of that to BoA. Because I had shopped at XXXX in the past, Bank of America has not reversed the charge. On the same day, XXXX other fraudulent charges ( {$4.00} and {$6.00} ) were made and reversed by BoA. XXXX claims they have no record of the {$900.00} purchase. I have been a BoA customer for over 40 years and I am shocked that this charge is still on my credit card and I dont believe they have made any effort to resolve the fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
Hi There. Synchrony Bank from day XXXX after the application, blocked my credit card because of suspicious activity. Then to clarify the information regarded to my application they ask me for valid ID I sent them my drivers license both side copied an utility bill which have all information Name, address and phone number plus I included a copy of a XXXX letter which shows my name and home address box number. Before my application was done they pre qualify me for the credit card and a credit line approved according to my credit report and income and all bank policies. This took place in XX/XX/year> and from day one they Synchrony Bank blocked the card, then they sent me a letter asking for information I stated before at the beggining of this letter. Synchrony Bank has all necesary information to ID me. Now they sent me another letter it says my account was closed for XXXX reasons XXXX Suspected unauthorized use. XXXX inactivity of this account. XXXX I never had the chance to use the credit card which I do not understand how it was used. XXXX Inactivity. They never let me use it, how can be possible to use it?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am submitting this complaint regarding the handling of my credit card dispute and reconsideration request involving XXXX online purchases from XXXX that were marked as delivered but were never delivered to my actual residential unit. The disputed amounts are approximately {$1500.00} and {$740.00}. The merchant relied solely on delivery confirmation scans and photographs despite substantial evidence showing that the packages may have been misdelivered within a multi-unit property. I reside in a separate XXXX floor residential unit accessed through a side staircase entrance. However, the delivery photographs provided by XXXX showed the packages left at different locations on the property, including the XXXX floor/common entrance area and garage-level area, which do not correspond to my actual unit entrance. I submitted : * detailed comparison photographs * property layout evidence * written explanations * delivery photo comparisons * and supplemental documentation to support my reconsideration request. In addition, on XX/XX/year>, I contacted XXXX directly and spoke with a representative who informed me that the shipper could request reopening of the investigation so that XXXX could conduct another review of the delivery location. I repeatedly requested that the merchant reopen the XXXX investigation. However, despite multiple follow-up emails and phone calls, the merchant refused to reopen the investigation and ultimately closed the matter without meaningfully addressing this request. My concern is that the dispute review process focused primarily on whether a delivery scan existed, rather than whether the packages were actually delivered to the correct residential unit within a multi-unit property. This was not simply a claim that a properly delivered package was later stolen. My position has consistently been that the packages were never delivered to my actual unit entrance in the first place. I respectfully request review of how my dispute and reconsideration request were handled given the substantial evidence submitted regarding possible misdelivery and the refusal to conduct additional investigation into the delivery location.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sir Finance Corp
State: WI

Complaint narrative:
On XX/XX/XXXX, I obtained a {$1200.00} loan from Sir Finance Corp. After medical issues affected my ability to work, payments temporarily stopped. Once I returned to work, payments resumed, and I reasonably believed the debt had been satisfied because I never received any further notice, billing statements, or communication regarding an outstanding balance. Nearly XXXX years later, without any prior warning, wage garnishments began against my USPS wages in XXXX XXXX XXXX XXXX. XXXX. I was never served nor given any notification about the alleged debt, lawsuit, or judgment until after the garnishment had already started. I was also not notified by my employer until deductions were already being taken from my paycheck, violating my due process rights. On XX/XX/XXXX, a judgment was entered against me in the amount of {$4900.00}, despite the original loan documents stating no interest. The plaintiffs own records reflected that {$550.00} had already been applied toward the account, yet the complaint still alleged a balance of {$1100.00} without clear explanation. The complaint also sought {$3400.00} in interest on what should have been an alleged remaining balance of approximately {$690.00}. I also discovered what appeared to be unauthorized modifications and inconsistent amounts submitted during the garnishment process without clear court authorization or explanation. As a result of the garnishment, I ultimately paid {$7400.00} through wage deductions and related fees. I filed multiple motions attempting to stop the garnishment, challenge the accounting, and obtain relief. I repeatedly requested an accounting and clarification from Attorney XXXX XXXX but received little to no meaningful response. After I challenged the excessive garnishment and accounting discrepancies, I received a {$330.00} refund check without explanation. Following the evidentiary hearing on XX/XX/XXXX, the court awarded restitution in the amount of {$2000.00}. I later received a check for {$1600.00}, which was {$10.00} short of the stated amount owed. I also raised concerns regarding contradictory records, improper service, unauthorized modifications, and possible predatory lending or collection practices involving a nearly XXXX debt. This matter caused significant financial hardship and emotional distress, including forcing me to obtain a HELOC loan.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Jefferson Capital regarding inaccurate and/or unverified information being reported on my consumer credit report. I dispute the alleged debt in its entirety and request full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Jefferson Capital has failed to provide competent evidence that : * I have a legal obligation to pay this debt; * The amount being reported is accurate; * They possess a valid assignment or ownership of the alleged account ; * The debt was reported in compliance with federal law. Under the FDCPA 1692g, I am requesting proper debt validation, including : 1. A copy of the original signed contract or agreement ; 2. Complete payment history and accounting records ; 3. Proof Jefferson Capital has legal authority to collect ; 4. Documentation showing the chain of assignment from the original creditor ; 5. Verification that the statute of limitations has not expired. Additionally, pursuant to the FCRA 611 ( 15 U.S.C. 1681i ), I request an immediate investigation into this account. If Jefferson Capital can not provide proper validation and verification, the account must be permanently deleted from all credit reporting agencies. Please note : * Reporting unverified information violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishing information known to be inaccurate. * Continued collection activity without proper validation may also violate FDCPA provisions. I request that the CFPB require Jefferson Capital to : * Provide complete validation documentation ; or * Immediately delete the account from all consumer reporting agencies. I also request written confirmation of the results of this investigation. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
I dispute this alleged debt in its entirety. I previously provided documentation establishing that I was the victim of identity theft, including a police report. The prior lawsuit regarding this matter was dismissed by the court. Continued attempts to collect this disputed fraudulent debt may constitute violations of the Fair Debt Collection Practices Act and Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I hold federal student loans serviced by Nelnet with {$12000.00} in outstanding interest. During tax year XXXX, I made {$2500.00} in payments that I intended to apply toward paying off accrued interest. Under federal student loan rules, payments must be applied first to accrued interest, and only after all accrued interest is paid may any remaining amount be applied to principal. However, Nelnet split my payments between principal and interest, applying only {$730.00} to interest and the remainder to principal. This allocation is incorrect because I had outstanding interest that should have been paid in full before any principal reduction occurred. As a result of this misallocation : Only {$730.00} of interest was actually paid in tax year XXXX, rather than the full {$2500.00} I intended to pay toward interest I was unable to claim the maximum {$2500.00} student loan interest deduction on my XXXX federal tax return I suffered a financial loss due to the servicer 's failure to follow proper payment allocation procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
b'Ally bank flag my XXXX my phone number i need that be remove from XXXX \nCan you remove XXXX from ally bank please XXXX XXXX XXXX XXXX phone number'

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