vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Oh XX/XX/year>, around XXXX am, I was emailed about a sale I made on XXXX. I haven't dealt with XXXX in a long time so I was unaware of the process it required for my item XXXX be sold. I just knew that it was time sensitive so when the email stated that I still had XXXX go through a verification process I was hesitant about completing the verification process. They would send me link requesting for my card number along with some other information XXXX approve my account XXXX sale of that day. The name it read on that transaction was XXXX It went through XXXX times since the verification process was not processing. Due XXXX the account not allowing me XXXX process by the XXXX time XXXX the amount that kept being taken out was not being returned, I called my bank, Wells Fargo, right away XXXX put a claim about these XXXX transactions. The transactions were for the amount of XXXX, XXXX XXXX XXXX. None of these amounts were returned XXXX my account. I filed a claim with my bank as soon as possible, I was able XXXX get some amount credit back into my account a few days after. I locked my card from being used anywhere XXXX also placed my card into high security XXXX alert when being used. The reason I did not change my card right away was because I still had XXXX more bill that was going to be withdrawn. I opened access XXXX use my card when the day came closer XXXX getting that bill payed XXXX I noticed that my card continued XXXX get charged in other locations. I called the bank right away and requested for my new card XXXX be sent after the bill was payed for. Months passed XXXX the claims still continued processing. I am now, getting alerted by my bank that the claims credit that they provided me for were going XXXX be taken back from my account due XXXX my claims being denied. This is very upsetting for me due to not knowing that this was not part of the process that XXXX required. XXXX does not have a direct phone number where I could call XXXX ask them directly about why the verification process was not going through, XXXX was emailed through the " contact us '' tab they had several times XXXX they did not get back to me until XXXX days later XXXX the claim was already placed XXXX almost resolved. I am a hard working citizen who is doing life independently XXXX can not afford XXXX lose this amount of money, It was all my savings XXXX I was just trying to follow a protocol I thought was required. I know now that it was a scam but during the " verification process '', I was not aware. It all seemed very legit.

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 2026-03-10 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This company is violating my rights Under XXXX XXXX XXXX ( a ), data furnishers are required XXXX report only accurate XXXX complete information. Reporting unverifiable or inaccurate information is a violation of federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: GA

Complaint narrative:
Validation of Debt Request- JEFFERSON CAPITAL SYST - XXXX * * * * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement XXXX complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant XXXX the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled XXXX receive verification of the debt you claim I owe. I dispute the validity of this debt XXXX, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. XXXX that you are licensed XXXX collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: TX

Complaint narrative:
Requesting for Full Discharge of Student Loans Due XXXX XXXX Misleading XXXX Unlawful Practices I am writing XXXX formally request the discharge of all student loans held by Mohela due XXXX the companys deceptive practices, misrepresentation, XXXX failure XXXX provide proper guidance regarding my loan repayment options. My loans started out with XXXX Fed XXXX Fed XXXX XXXX and I was notified that they would be switched XXXX Mohela XXXX Mon, XX/XX/year>. Mohela misled me by steering me away from income-driven repayment plans, which would have made my payments more affordable XXXX eligible for eventual forgiveness. Instead, I was repeatedly encouraged XXXX enter forbearance or deferment, causing my loan balance XXXX balloon due XXXX XXXX interest. Also, when they encouraged me XXXX make additional payments when I was in a position XXXX pay additional funds towards my student loans, I repeatedly asked XXXX XXXX let me pay towards my principal balance, XXXX they refused XXXX give me this information, saying I could only make additional payments XXXX my interest, even in times of forbearance, keeping me in debt longer, XXXX forcing me XXXX accrue even more interest than necessary. Due XXXX this, out of the roughly {$15000.00} I have paid toward my student loans, of the amount has gone towards interest, mainly because Mohela misled me by telling me I could not make additional payments toward my principal amount. This manipulation has led XXXX years of financial strain XXXX has profoundly affected my ability XXXX meet my financial obligations. In addition, Mohela has a history of misreporting my payment status XXXX credit agencies, severely damaging my XXXX XXXX. The misinformation provided by their representatives has delayed my pursuit of more favorable repayment options and contributed XXXX an overwhelming amount of accrued debt, well beyond what I originally borrowed. These tactics are consistent with the widespread fraudulent behavior for which Mohela has been sued by numerous states XXXX the Consumer Financial Protection Bureau ( CFPB ). XXXX conduct has caused me significant financial harm, mental distress, and a long term burden that could have been avoided with honest and fair guidance. As a borrower who relied on XXXX advice and entrusted them XXXX manage my student loans, I am requesting that my loans be fully forgiven.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights XXXX privacy XXXX confidentiality under XXXX XXXX XXXX. I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> XXXX noticed some things are incomplete XXXX not accurate. And according XXXX the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures XXXX assure maximum possible accuracy of the information concerning the individual about whom the report relates according XXXX XXXX XXXX XXXX ( XXXX ) ( b ). And according to XXXX XXXX XXXX XXXX they are suppose XXXX do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found XXXX be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; XXXX ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according XXXX XXXX XXXX XXXX they are suppose XXXX not furnish any information relating XXXX a consumer to any consumer reporting agency if the person knows or has reasonable cause XXXX believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Steel River Systems, LLC
State: GA

Complaint narrative:
Validation of Debt Request - STEEL RIVER ( XXXX XXXX XXXX XXXX ) - XXXXXXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in. If any of the above information is not available, please provide an explanation as to why. Additionally, I request that all collection activities cease until the requested verification is provided. This includes any communication related to the alleged debt or any reporting to credit bureaus. Failure to comply with this request may result in legal action. Your cooperation in providing the necessary documentation is appreciated and will help resolve this matter promptly. Please send all correspondence regarding this matter to the address listed above. If you are unable to provide the requested information, kindly inform me in writing.

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 2026-03-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Herbert P. Sears Co., Inc.
State: GA

Complaint narrative:
I am a graduate of XXXX - XXXX and have received my official transcripts and Professional Certificate. Due to an internal administrative error, the school lost my clinical hour paperwork and subsequently refused to offer me the standard post-graduation payment plan options. Instead, they claimed I had not finished the course-despite having already issued my graduation credentials-and immediately sent a {$4700.00} balance to HP Sears. I attempted to resolve this with the school, but they have been unresponsive and failed to correct their record. I am disputing this collection as it is based on an institutional error and mismanagement of student records. I am requesting that the school recall the debt from collections and allow me to resolve any remaining balance directly with the institution under a fair payment agreement.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
My vehicle was declared a total loss in XX/XX/XXXX. I am filing this complaint because Santander Consumer USA is providing contradictory information and failing to close my account despite receiving all insurance and GAP payments. 1. According to my official bank statement, on XX/XX/XXXX, my account was settled with a {$0.00} balance after a " Total Loss Insurance '' payment was applied. 2. Subsequently, Santander reversed this payoff, claiming a " Stop Payment. '' However, the insurer ( XXXX ) confirmed that the check for {$4600.00} was successfully cashed. 3. On XX/XX/XXXX, Santander successfully applied a partial refund of {$750.00} from the GAP Administrator ( XXXX XXXX, File XXXX ). This proves they are in contact with the sender and receiving funds from this claim. 4. Despite this, Santander denies receiving the main GAP payment of {$3100.00} from the same source, even though I have official confirmation that the claim was paid. 5. Bank agents provide conflicting information daily : some claim to " see the funds, '' while others say " checks were returned. '' As of now, Santander claims I owe {$3600.00}, while they are actually holding over {$7700.00} in unapplied funds. This is a deliberate delay in closing the account and issuing my overpayment refund of approximately {$4100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Regional Management Corporation
State: SC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information that your company, Regional Finance, is furnishing to the credit reporting agencies regarding the following account : Account Number : XXXX This account has been reported as charged off ; however, the balance continues to increase each month as if the account is still accruing past-due payments. The reported balances have changed as follows : XXXX : {$5300.00} XXXX : {$7600.00} XXXX : {$7800.00} ( after my dispute was submitted ) A charged-off account should not continue reporting increasing past-due balances in this manner. The continued increase in the balance after charge-off and after disputes were submitted indicates that inaccurate information is being furnished to the credit reporting agencies. Under the Fair Credit Reporting Act ( FCRA ), furnishers of information have a legal obligation to report accurate information and to properly investigate disputes. The actions taken regarding this account appear to violate the following provisions : 15 U.S.C. 1681s-2 ( a ) Duty to provide accurate information to consumer reporting agencies. 15 U.S.C. 1681s-2 ( b ) Duty to conduct a proper investigation when a dispute is received. 15 U.S.C. 1681e ( b ) Requirement that information reported must be accurate. By continuing to report an increasing past-due balance on a charged-off account and failing to correct the information after disputes were filed, Regional Finance may be furnishing inaccurate and misleading information. I am requesting the following actions immediately : 1. Conduct a full and lawful investigation into the reporting of this account. 2. Provide documentation showing how the balance increased after the account was charged off. 3. Correct the inaccurate balance reporting with all credit reporting agencies. 4. Delete the account entirely from my credit reports if the information can not be verified as completely accurate. Please provide written confirmation of the results of your investigation within the timeframe required by the Fair Credit Reporting Act. If this matter is not resolved promptly, I will continue pursuing remedies through regulatory agencies, including filing complaints with the Consumer Financial Protection Bureau and other appropriate regulators. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the origin al creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Reference Number XXXX Alleged XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing regarding the collection notice dated XX/XX/XXXX referencing the above account. I dispute this alleged debt in its entirety. This account appears to be the result of identity theft. I have never opened or authorized any XXXX XXXX account associated with the account number referenced in your letter. An Identity Theft Report has been filed with the Federal Trade Commission documenting this fraudulent account. Because this account is the result of identity theft, I request that your company immediately cease all collection activity and conduct a full investigation of this matter. Pursuant to my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, please provide the following documentation : The original XXXX service agreement bearing my signature. Documentation demonstrating that I authorized the opening of the XXXX account. The complete billing statement history supporting the alleged balance of {$2600.00}. The date the account was opened and the address where service was activated. Documentation showing that Credit Control , LLC has the legal authority to collect this debt. Additionally, because this account is disputed as identity theft, please ensure that this debt is not reported to any consumer reporting agency while the investigation is ongoing. A copy of my FTC Identity Theft Report is enclosed for your reference. If this debt can not be validated with the requested documentation, I request that the account be permanently closed and that any reporting associated with this account be deleted. Please confirm the results of your investigation in writing. Sincerely, XXXX XXXX

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 2026-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Management Corporation
State: VA

Complaint narrative:
I contacted this company 5 times via XXXX and once in person to request they quit contacting me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation
State: AL

Complaint narrative:
XXXX XXXX XXXX saying I owe a debt but the XXXX did not preform all of the services and I didnt receive what I was suppose to receive. I think the company sent it over to the XXXX XXXX XXXX. It was around XX/XX/year> no actions were taken the amount was XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Lease
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: CA

Complaint narrative:
I purchased my leased XXXX XXXX XXXX ( XXXX : XXXX ) at the end of the lease term. The buyout was completed on XX/XX/XXXX, and I have the Bill of Sale as proof of full payoff. Nearly four years later, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) has still not released the lien with the California XXXX. My current registration renewal notice ( due XX/XX/XXXX ) still shows the lienholder on record, confirming the lien was never released electronically through California 's ELT ( Electronic Lien and Title ) system. I have attempted to contact XXXX XXXX by phone at XXXX on multiple occasions. Their automated system restricts callers to a chatbot with limited options, and after repeated attempts to reach a live agent, the system states that agents are too busy and to try again later. I have been unable to reach a human being to resolve this. Under California Vehicle Code Section 5753, a lienholder is required to release the lien within 21 days of payoff. XXXX XXXX is nearly four years past this legal deadline. I am requesting that XXXX XXXX immediately release the lien electronically via California 's ELT system so that I can obtain a clean title for my vehicle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: GA

Complaint narrative:
I noticed a collection showing up on my XXXX credit report recently. I tried to dispute it since I did not know what it was for and have not taken out any loans for that Im out. When I disputed it, Monterey insisted the balance was legit. Therefore, I requested in a signed certified letter that they send me a copy of the loan agreement, who the cosigner is, proof that my Social Security number is on there, which makes it legally tied to me. They provided a contract and the person who its tied to, but, theres no Social Security number and the company they are claiming it came from is in XXXX, not in the United States.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation