vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I made a payment to Santander XXXX on XX/XX/year> in the amount of {$750.00}. My normal monthly payment is {$580.00}, and the additional amount ( {$160.00} ) was intended to satisfy late fees on the account. Santander has failed to properly apply/reallocate these funds toward the late fees despite the payment covering the amount due. As a result, my account continues to reflect inaccurate late fees and/or delinquency-related issues. I am requesting : Immediate correction of the account ledger and payment allocation ; Proper application of the funds paid toward late fees ; Removal of any improperly assessed fees or delinquency caused by Santanders servicing error ; A complete accounting of how my payment was applied. I have made repeated good-faith efforts to resolve this directly with Santander and have not received a resolution. My first phone call was on XX/XX/year>. He informed me he put in the request and the fees would be fixed in XXXX business days. I entered a chat with an agent ( screen shots attached ) on XX/XX/year> and he told me that the previous agent did it incorrectly and in XXXX business days it would be fixed. I called again on XX/XX/year> and this agent claimed he put in the request and it would be fixed in XXXX business days. As of the date of this letter, the correction still has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Conduent Incorporated
State: NY

Complaint narrative:
I have been trying to transfer money off my Way2Go card for over a month now without success. The XXXX most recent transactions reflected in my Way2Go transaction history occurred on XX/XX/26 and XX/XX/26. On XX/XX/26, I attempted to withdraw {$1200.00} from my Way2Go card, and on XX/XX/26, I attempted to withdraw {$2200.00}. Both transactions were marked as completed. I also switched from using XXXX XXXX and XXXX to transferring the funds directly into my main bank account in hopes that the transactions would process correctly. However, I still have not received the funds. Due to the ongoing issues and lack of resolution, I am now filing a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc.
State: CO

Complaint narrative:
I am disputing a debt being collected by National Credit Management on behalf of the XXXX XXXX XXXX XXXX related to XXXX XXXX tuition and fees. After receiving collection notices regarding the alleged balance, I submitted a written request for debt validation. I specifically requested a complete itemized account history, supporting documentation from the original creditor, and documentation sufficient to establish the validity of the balance being collected. The response I received did not provide substantive validation of the debt. I was not provided with a complete itemized ledger, supporting financial documentation, or records sufficient to establish how the balance was calculated. I also attempted to resolve the matter directly through the XXXX XXXX XXXX XXXX and requested documentation supporting the account balance and financial aid processing history associated with the account. Despite multiple requests, I have not received a complete reconciled account record. Despite the dispute and request for validation, the collection activity continued. I am requesting proper validation of the debt and documentation sufficient to establish the validity and calculation of the balance being collected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against Experian and XXXX XXXX XXXX XXXX regarding the continued reporting of inaccurate and unverifiable negative payment history despite multiple disputes and reinvestigation attempts. This is now my XXXX attempt disputing the following accounts : XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX Account ending in XXXX I disputed the inaccurate negative payment history being reported on these accounts and requested a proper investigation and verification of the information being furnished. However, Experian failed to provide a timely response within the timeframe required under the Fair Credit Reporting Act. Additionally, the negative payment history continues to be reported without competent documentation proving the accuracy of the information. No proper method of verification, signed account-level documentation, or evidence supporting the reported late payments has been provided despite repeated requests. The continued reporting of this information and failure to respond constitutes violations of the Fair Credit Reporting Act, including : 15 U.S.C. 1681i ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation within the required 30-day timeframe. 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide written notice of the reinvestigation results and method of verification. 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy of the information being reported. 15 U.S.C. 1681s-2 ( b ) Failure of the furnisher to conduct a proper investigation after receiving notice of dispute from the consumer reporting agencies. The repeated reporting of inaccurate negative payment history after multiple disputes indicates that neither Experian nor XXXX XXXX XXXX XXXX conducted a reasonable investigation as required by federal law. Instead, the disputed information continues to be verified without providing competent evidence or documentation supporting the accuracy of the reporting. This ongoing failure to correct or delete inaccurate information has caused continued harm to my creditworthiness and ability to obtain fair credit opportunities.

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 2026-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Tesla, Inc.
State: CA

Complaint narrative:
Formal Complaint and Request for Investigation I am filing this complaint regarding a used Tesla I purchased directly from XXXX XXXX. The vehicle was sold to me in defective and unsafe condition. Almost immediately after purchase, I discovered numerous mechanical and safety issues that made the car unreliable and dangerous to drive. I have already been forced to spend over {$10000.00} in repair and maintenance in an attempt to make the vehicle safe. Despite these efforts, the car continues to have significant problems. I am currently making monthly payments exceeding {$1200.00} on a loan for a vehicle that is not roadworthy and poses a safety risk. XXXX XXXX, as a non-Tesla dealership, did not have access to the specialized diagnostic equipment, software, or training that Tesla requires for proper inspection and servicing of their vehicles. Selling these vehicles without the proper capabilities puts consumers at serious physical and financial risk. I believe this constitutes an unfair and deceptive sales practice. This situation has created extreme financial hardship for me. The ongoing payments combined with the large repair costs have become unsustainable. This stress is severely impacting my health at a time when I am already managing complex medical conditions, mental health challenges, a pending Social Security disability case, unstable housing, and other serious life stressors. I reached out to XXXX corporate regarding this matter, but their response was inadequate and did not offer any meaningful resolution or accountability. I respectfully request that the CFPB investigate XXXX XXXX practices of selling used Tesla vehicles without proper Tesla certification or service capabilities. This appears to be an unfair, deceptive, and harmful business practice that has caused me substantial financial injury. I am seeking complete relief from this loan obligation, including removal of any negative credit reporting associated with these payments, and any other remedies the CFPB deems appropriate under the law. Thank you for your assistance with this urgent matter.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-28 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: FL

Complaint narrative:
I 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 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In XX/XX/XXXX, I saw a TD Bank promotional offer for a {$300.00} bonus on a new TD XXXX Checking. I met the requirements with direct deposit, balance and waited XXXX months. I opened the qualifying account in XX/XX/XXXX ( account ending XXXX ) and met all qualifying requirements around XX/XX/XXXX. The bonus should have been credited but was never paid. I sent TD Bank secure messages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking about the status of the missing bonus. TD Bank has not responded to any of these XXXX messages and has not resolved the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc
State: CA

Complaint narrative:
I 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 explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY
State: MS

Complaint narrative:
To Whom It May Concern, I am disputing the validity and accuracy of the alleged debt referenced in your correspondence. Please provide the following information in writing : The name of the original creditor The date the debt was allegedly incurred The amount of the original debt Documentation showing that I am legally responsible for this debt Documentation showing your legal authority to collect on this account The date the account was transferred or purchased by your company To the best of my knowledge, any valid debt associated with this matter should have been included in and XXXX through bankruptcy proceedings. In addition, I have been unable to obtain proper verification or supporting documentation regarding this alleged account. Furthermore, I do not recognize your company as a creditor, nor do I believe I have ever had a direct account or agreement with your company. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this alleged debt. If you can not provide proper verification, I request that you cease all collection activity and stop sending correspondence to my address regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In response to my previous claim, it says : " As part of the security process, one-time passcodes were sent to the phone number on file and were successfully entered to authorize the transfer. '' I never received that code. That never entered my phone What I received was an email that said that the money was transferred, and at the same time, another XXXX stating that I added this company, which I don't know. I never received any message. I appreciate your due diligence. Thanks in advance

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 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CA

Complaint narrative:
This is totally ridiculous since XX/XX/XXXX ( since I initiated the dispute ), I made a grocery order for {$46.00} XXXX that messed up my order so it was canceled. This was done and receipt order from XXXX that showed this was canceled and email showing the canceled order. US Bank is * refusing to process this dispute because, I feel this is retribution due to me filing a complaint with you, -consumer finance.gov- about US banks outrageously high minimum payment that they can not explain how they got to that number which is another complaint. I still have on them open. They said this was credited back, but this was a provisional credit that I can not use meaning that it showed I had- {$46.00} - that I could use, but my credit limit would not let me use that money so this was actually not * actual money I could use to buy more groceries, gas, or anything else. It was only till I complained that they changed it to provisional to credited back, which doesnt matter now because XXXX so fighting metaphorically speaking with US Bank based on their possibly illegal pay hike on minimum payments. This shouldve been handled promptly a long time ago. I know credit card companies that would handle this in a few days. This is taking more than XXXX months. This is retribution in my view, illegal and more despicable by US Bank to keep doing this when they have all the fact showing that this order was canceled canceled on that date and almost XXXX months later, XXXX still going around at XXXX with this company XXXX I dont know why they are making this so difficult when it should be straightforward???

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 2026-05-28 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: CA

Complaint narrative:
I 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 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank stated I owe them {$2000.00} which I tired to dispute during XXXX time. I was a victim to identify theft, which I also explained to them. this was during XXXX I believe XXXX : XXXX 2024 amount {$1000.00} come stated I owe them as well and will like to get this disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I had a payment plan set up with Portfolio Recovery Associates that was an automatic payment each month to pay off my debt. One month the payment did not go through due to an expired debit card attached to the account. I was not notified that the payment didn't go through. I was not notified via email, voicemail, certified letter that they did not receive my payment. I was not notified that they intended to cancel my payment plan for the debt. I asked the company why they didn't send me any notification so I could quickly remedy the situation and stay on track with my payment plan. The company 's answer was simply " I do not know why we didn't send you an email or a voicemail or a letter in the mail. We just canceled it. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I am filing this complaint because Upstart has failed to respond to my reinstatement dispute, misapplied my extension agreement, and is delaying my ability to reinstate my vehicle. Their lack of communication is causing financial harm and putting me at risk of losing my car despite my goodfaith efforts to resolve the issue. On XX/XX/year>, I emailed Upstart regarding a reinstatement dispute. I explained that I had an approved extension beginning XX/XX/year>, which moves my XXXX payment due date to XX/XX/year>. Despite this, Upstart added the XXXX payment into the reinstatement amount, which contradicts the extension terms. I received no response for XXXX days. During this time, I called multiple times seeking clarification and was repeatedly told that someone would contact me. No one did. When I was behind on payments, Upstart contacted me immediately with calls and emails. Now that I am trying to resolve the issue and reinstate the vehicle, they are silent. On XX/XX/year>, I sent a followup email to both addresses provided by Upstart representatives. I received only an automated acknowledgment, not a real response. I am requesting the XXXX assistance because : Upstart is not honoring the extension agreement They added the XXXX payment to the reinstatement amount despite the extension They have failed to respond to my dispute for XXXX days They are delaying reinstatement and increasing my financial risk Their lack of communication XXXX lead to wrongful sale of my vehicle I am acting in good faith and attempting to resolve this before the XX/XX/XXXX deadline. Upstarts failure to respond is preventing me from reinstating my vehicle and is causing significant stress and financial harm. I am requesting that Upstart be required to provide a written response, correct the reinstatement amount, and allow me to reinstate my vehicle without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I 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 explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I 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 explanation