vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: IN

Complaint narrative:
I am filing a complaint against Santander XXXX USA regarding unfair and deceptive auto loan servicing and wrongful repossession practices. On XX/XX/XXXX, I made a substantial payment of {$2100.00} toward my delinquent auto loan account for my XXXX XXXX XXXX. This payment represented nearly the full past-due balance, leaving only a minimal remaining amount. Prior to making this payment, I contacted Santander to request assistance and a possible payment arrangement for the remaining balance. I was told there were no available options and that I would not be removed from the repossession list, regardless of payment. Despite this, Santander accepted my payment of {$2100.00}. Based on this acceptance, I reasonably believed I was curing or substantially resolving the default. However, within approximately XXXX days of accepting my payment, Santander repossessed my vehicle without providing a clear or fair opportunity to complete reinstatement or pay the small remaining balance. This conduct is deceptive and unfair because : Santander accepted a substantial payment without clearly disclosing that repossession would still proceed immediately. I was not provided a clear reinstatement amount or a reasonable opportunity to cure the default after making a good-faith payment. The repossession occurred despite my active effort to resolve the account. As a result, Santander effectively accepted my money while still proceeding with repossession, causing significant financial harm. I am requesting the following resolution : 1. Immediate review and reversal of all repossession-related fees and charges 2. Waiver of any deficiency balance 3. Correction or removal of any negative credit reporting related to this account 4. Consideration of returning the vehicle or compensating for damages caused by this conduct I have documentation of my payment and account status and can provide it upon request. This situation reflects unfair and deceptive lending and collection practices that require immediate review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TN

Complaint narrative:
Hello, I am writing to dispute the validity of the alleged debt referenced above. I do not recognize this account and believe it does not belong to me. Under the Fair Debt Collection Practices Act, I am requesting full validation of this debt, including, the name and address of the original creditor, the amount owed, documentation proving I am legally responsible. Until such validation is provided, you must cease all collection activity and reporting to credit bureaus. If you can not provide validation, please remove this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Reliant Capital Solutions, LLC
State: AZ

Complaint narrative:
Multiple calls throughout the week. Now going on for multiple weeks using different numbers as well as telemarketing numbers. Friday XX/XX/year>, XXXX calls from XXXX am to XXXX pm. Thursday XX/XX/year>, XXXX calls XXXX am to XXXX pm. XX/XX/year>, XXXX calls. XX/XX/year> XXXX calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I attempted to close my account online but i was not able to. They stated i needed to contact support and call. Then i contacted chat support to cancel my account and they will still not allow me to cancel my money lion account.

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 2026-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NY

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: FL

Complaint narrative:
LJ ROSS is falsely reporting on my credit. I have never had any accounts with them. Per my research LJ ROSS is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am filing a complaint regarding inaccurate and incomplete credit reporting on a collection account listed on my credit report. The account is reported as follows : Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1000.00} Status : Open Remarks : Placed for collection / Account information disputed by consumer This account contains multiple inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) : 1. Incorrect Creditor Name The entity XXXX XXXX XXXX XXXX does not exist. XXXX XXXX XXXX and XXXX XXXX are separate companies. This is inaccurate reporting. 2. Incorrect Account Status The account is listed as open while also being in collections. A collection account should not be reported as open in this manner. 3. Incomplete Account Information The report states Closed : No Info, which indicates missing and incomplete data. 4. Failure to Identify Collection Agency The report states the account is in collections but does not identify the current collection agency or owner of the debt. 5. Duplicate Remarks The comment Account information disputed by consumer appears multiple times, which may indicate inaccurate or duplicative reporting. 6. Failure to Validate Debt I have not been provided with proper validation of this debt, including : Original contract Payment history P roof of ownership/assignment Under the FCRA, all reported information must be accurate and verifiable. Due to these inaccuracies and lack of validation, I am requesting :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Meta Payments Inc.
State: FL

Complaint narrative:
I wanted to pay for a meta verified subscription, but my XXXX account was suddenly permanently disabled. I ask the meta company to activate my account, as I pay for my subscription regularly and run ads through my account, and I spend a lot of money promoting content. Activate my account immediately, do not violate your own terms of use! My account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am disputing collection accounts reported by LVNV Funding LLC that are inaccurate and harming my credit. LVNV is reporting themselves as the original creditor, which is false. The original creditors for these accounts were XXXX XXXX ( {$800.00} ) and XXXX XXXX ( {$200.00} ). The reported open dates ( XX/XX/XXXX for the XXXX XXXX account, XX/XX/XXXX for the XXXX XXXX account ) are also incorrect. I do not recognize these accounts as mine under the reported information, and LVNV can not provide legal documentation proving that these accounts belong to me. Reporting false information and inaccurate account details is negatively affecting my credit score and my ability to qualify for financing. I am requesting complete deletion of these accounts from my credit report unless LV NV can provide legal and accurate proof that they belong to me. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), and I expect the inaccurate information to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
On or about XX/XX/2026, I paid {$390.00} using Cash App to a company called XXXX XXXX for moving services that were never provided. After I contacted the merchant about the issue, their support team confirmed in writing that I would receive a full refund. Despite this agreement, the refund was never issued, and the company has stopped responding to my messages since XX/XX/2026. I then filed a dispute with Cash App and provided evidence, including screenshots showing that the merchant agreed to refund me. However, Cash App denied my dispute, stating that the transaction was processed correctly, without properly addressing the fact that the service was not delivered and that the merchant failed to honor their refund agreement. This is not an unauthorized transaction. This is a failure to provide services and a breach of a confirmed refund agreement. I am requesting that Cash App reopen and properly investigate this case and issue a refund of {$390.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AVANTE
State: FL

Complaint narrative:
Me and my children are under the XXXX XXXX at the XXXX hospital and I randomly have XXXX collections on my credit for medical bills that have been paid and written off through the XXXX. I have not received any medical bills in the mail either. I frequently check my balance on the XXXX app and it has always said {$0.00} when Ive checked so I am unsure why it is saying that I have over {$10000.00} in medical debt owed to XXXX different collection agencies with the SAME amounts due. I have tried to dispute with XXXX and it says dispute has been completed but says unknown and Ive tried disputing it again and it says I can not. I do not know why I have these charges on my credit and would like them removed due to the charit already paying them off. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am filing a complaint against Affirm regarding an inability to use their services due to a sudden and unexplained identity verification failure. I have been an Affirm customer for a year and have successfully completed multiple loans without issue. My account has been in good standing, and I have a consistent history of repayment. However, as of [ insert date ], I am no longer able to complete purchases. I receive the following error message : Affirm Loan Services can't approve the loan you requested because we couldn't verify your identity based on the information we received. This issue appeared abruptly despite no changes to my personal information. I have attempted to resolve this through Affirms customer service channels, but I have not received a clear explanation or a path to resolve the identity verification issue. Based on my experience and similar complaints from other consumers, it appears that Affirm has internal processes to resolve identity verification issues but is not effectively assisting customers through standard support channels. Impact : I am being denied access to a financial service I previously qualified for No clear reason or actionable steps have been provided This is affecting my ability to make purchases and manage financing as I have in the past. If this issue is not resolved, I am concerned that inaccurate or improperly handled identity verification processes may be affecting my consumer profile unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have made multiple attempts to contact Synchrony via phone and chat to resolve this matter and request payment assistance. However, my calls repeatedly result in extended periods of silence or disconnection, and chat support has stopped responding. This has made it extremely difficult to resolve my account despite my continued efforts. I am being blocked from resolving my account

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 2026-03-22 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Regional Management Corporation
State: MD

Complaint narrative:
This letter is being sent directly by the consumer. It is not from a third-party credit repair organization or agency. I am formally disputing the accuracy and completeness of certain information appearing on my consumer credit report. Pursuant to FCRA 611 ( 15 U.S.C. 1681i ) and 12 CFR 1022.43, you are required to conduct a reasonable reinvestigation of the disputed items listed below. Additionally, under CFPB Circular 2022-07, your investigation must go beyond superficial verification through automated systems such as E-Oscar and must include a substantive review of underlying documentation. REGIONAL MANAGEMENT - Account reported as charge-off while continuing to report inconsistent payment activity - Balance and status reporting do not comply with Metro 2 charge-off standards Under FCRA 611, you are required to : - Conduct a reasonable reinvestigation within 30 days - Review all relevant information provided- Ensure maximum possible accuracy Failure to perform a reasonable investigation is a violation of federal law, as established in : - XXXX v. Trans Union ( XXXX ) XXXX XXXX v. BEH-1, LLC ( XXXX ) If any of the above information is : - Inaccurate - Incomplete - Unverifiable - Or noncompliant with Metro 2 standards It must be permanently deleted from my credit file.Any modification, correction, or update made to these accounts shall constitute an admission that the information was previously inaccurate and improperly verified. Accordingly, such accounts must not be reinserted. REQUEST FOR DOCUMENTATION

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: RI

Complaint narrative:
Discover Card charge off XX/XX/year> {$18000.00}, XXXX XXXX services charge off XX/XX/year> {$440.00} and XXXX XXXX charge off XXXX {$1300.00} charge off has a loss to IRS I will like to request a copy of that 1099C that I never receive under the FCRA, I can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming you owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX | SSN ( Last 4 ) : XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX RE : Formal Complaint Against Portfolio Recovery Associates , LLC Original Creditor : XXXX XXXX | Reported Balance : {$330.00} To the Consumer Financial Protection Bureau : I am submitting this formal complaint against Portfolio Recovery Associates , LLC ( XXXX XXXX XXXX, XXXX, VA XXXX, Phone : ( XXXX ) XXXX ) regarding a collection account appearing on my consumer credit report that I believe is being reported inaccurately and in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Summary of the Issue : Portfolio Recovery Associates , LLC is currently reporting a {$330.00} collection account on my XXXX credit report, originally owed to XXXX XXXX. This account was opened in their system on XX/XX/XXXX. I have disputed this account twice through the credit bureaus. Both disputes were returned as 'Dispute resolved subscriber disagrees, " meaning Portfolio Recovery has rejected my disputes without providing any documentation or validation of the alleged debt. I have never received any written notice from Portfolio Recovery Associates verifying that they legally own this debt, that the amount is accurate, or that they are licensed to collect in the state of Texas. Under 15 U.S.C. 1692g of the FDCPA, I am entitled to validation of any debt before a collector may continue collection activity, including credit reporting. The continued reporting of this unvalidated, disputed account is causing material harm to my creditworthiness and is preventing me from accessing credit on fair terms. Portfolio Recovery Associates has a documented history of CFPB enforcement actions, and I believe this conduct is consistent with a pattern of FDCPA and FCRA violations. Requested Resolution : I am requesting that the CFPB investigate this matter and require Portfolio Recovery Associates , LLC to either : ( 1 ) provide full and complete validation of this debt as required by law, or ( 2 ) immediately and permanently delete this tradeline from all consumer reporting agencies XXXX, XXXX, and XXXX to which it has been reported. I am also simultaneously sending a debt validation letter directly to Portfolio Recovery Associates via certified mail. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I am writing to formally dispute an unauthorized inquiry and/or access to my consumer credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b ( a ) ( 2 ). Under this section of the law, a consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. I have not provided written authorization, consent, or permissible purpose for your company to access or obtain my credit report. Therefore, I request the following : 1. Immediate removal of the unauthorized inquiry from my credit report. 2. Documentation bearing my signature that proves I authorized this inquiry. 3. A detailed explanation of the permissible purpose used to access my report. If you are unable to provide verifiable proof of my authorization, this inquiry must be deleted promptly as required by federal law. Please be advised that failure to comply with this request constitutes a violation of the FCRA. I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action if necessary. I expect a written response within 30 days of receipt of this letter confirming that the matter has been resolved. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Car World Group
State: AR

Complaint narrative:
I am submitting this complaint regarding the reporting of a repossession by Car World on my consumer credit reports. In 2024, my family experienced the unexpected and devastating loss of my daughter. This tragedy caused immediate and severe financial hardship, significantly impacting my ability to meet my financial obligations during that period. My situation was not due to negligence or refusal to pay, but rather the result of extraordinary circumstances beyond my control. Since that time, my financial situation has begun to stabilize, and I am making a good-faith effort to resolve this account. However, Car World continues to report this account as a repossession, which is causing substantial and ongoing harm to my credit profile and preventing me from rebuilding financial stability. I have attempted to work directly with Car World to establish a reasonable resolution, including a structured monthly payment arrangement. I have also requested consideration of a pay-for-delete agreement, given the circumstances and my willingness to pay. Despite this, Car World has continued to report the account in a manner that I believe is unfair and fails to take into account my documented hardship and efforts to resolve the debt. Issues : Continued reporting of a repossession despite good-faith efforts to resolve the account Refusal to negotiate a reasonable payment arrangement aligned with my current financial situation Ongoing credit reporting that is causing significant financial harm Requested Resolution : I am requesting that Car World : Agree to a reasonable and affordable monthly payment plan based on my current financial situation and remove the repossession from all credit reporting agencies ( XXXX, XXXX, and XXXX ) immediately as part of a negotiated resolution Provide written confirmation of any agreement reached I am not refusing to pay this debt. I am actively seeking a fair and reasonable resolution that allows me to meet my obligations while also giving me the opportunity to rebuild my credit following a period of extreme hardship. I respectfully request that the CFPB review this matter and assist in facilitating a fair resolution.

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