vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
I am formally disputing the account reported by Santander. I was a victim of predatory lending, and the loan terms were unfair and deceptive. As a result, the information being reported on my credit file is inaccurate and/or unverifiable.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), all credit reporting must be fair, accurate, and fully verified. Additionally, 15 U.S.C. 616617 hold credit bureaus and furnishers liable for reporting false, misleading, or unverifiable information.

I am requesting an immediate reinvestigation of this account. If Santander can not fully verify this account with original, signed documentation, I request that the account be deleted from my credit report.

Please provide written confirmation of the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Conduent Incorporated
State: GA

Complaint narrative:
I made a reservation for a hotel accommodation on XX/XX/year>. When I checked in the hotel there was a {$100.00} incidental deposit that was required to check in. I received the run around from both the merchant and the bank. After speaking to both parties at first it was supposed to be a 7-10 hold before the funds were released. Then after 10 days they told me 15 days to release the hold. After 10 days now they are saying that it is a 31 day hold now according to the bank. They were supposed to release it back to me and promised that the hold would be released from the back office but it seems to me they are trying to earn interest on the deposit the longer it sits. I want my account to be back refunded the {$100.00} that was supposed to be released back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I demand you take ACTION AGAINST CITIBANK FOR RETALIATION!!!!!!!! 
XXXX dollars went accidentally to a closed account and could go nowhere because that account does not exist. Instead of Citibank returning the money they kept it. I demanded they put it back a d they did not but snuck it back in and closed the checking account or shut it down. I can not go anywhere or do anything. This was since yesterday. When I called XXXX different people saris their systems were shut down and hung up. One I caught before she hung up. Citibank is falsely calling it was fraud, there is no fraud because there had been no real money in account. This part retaliation and part they have simple people running Citibank telling them to say something s d hang up is crazy. They also use AI to deter proof from talking to customers. I demanded you stop using yourself as a mail delivery service and take action. I will sue Citibank and this agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
I transferred {$2000.00} from my XXXX  balance to my linked bank account on XX/XX/year>. 
The transfer has not arrived after XXXX  days, and XXXX support system prevents me from contacting a human agent. I have tried every method available on the app to try and get ahold of someone to help, but all I get are robot and AI agents that give me the same answers. 

I am requesting immediate investigation and resolution of the missing funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
I am disputing a collection account reported by AMSHER COLLECRION SERV on my credit report. This account is not mine. I have previously requested validation of this debt from the agency, and they failed to provide sufficient evidence that the debt is accurate and belongs to me. Under the Fair Credit Reporting Act ( FCRA ), unverified and inaccurate information must be removed. This collection is harming my creditworthiness and causing undue financial and emotional distress. I am requesting that this matter be investigated and that the collection account be deleted from all consumer credit reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: M. G. Credit, Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
This was my husband 's car. I did not drive it from his death in XXXX of XXXX until lease turn in XX/XX/XXXX. I turned the vehicle in with a fully intact windshield. They tried to charge me {$900.00} for a broken windshield. I disputed the claim with both the lending company, Ally and the dealership, XXXX XXXX XXXX XXXX XXXX. I have a document of lease turn in and it is not noted on this document that the windshield was cracked or broken. I believe the windshield was cracked by the dealership. I paid the over mileage, but I am not paying for something I did not do. The finance company said the dealership has to resolve it and the dealership would not return my calls. I am caught in the middle of their mismanagement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Cambrian Group
State: MN

Complaint narrative:
A debt collection caller contacted multiple members of my family and left voicemails using my full name, asking them to return the call regarding a notice and to update my address. These calls were made to third parties who are not authorized to discuss my account. The messages implied a financial or legal matter and caused me embarrassment and distress and more. I did not give permission for the company to contact my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
RADIUSGLOBAL is falsely reporting on my credit. I have never had any accounts with them. Per my research RADIUSGLOBAL 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 has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 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: Possible Financial Inc
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC
State: TX

Complaint narrative:
The have continued to call more than 7 times a day from best egg listed numbers and spamed numbers. Even though I have not been more than a month late I feel its excessive. I made a payment on Friday the XXXX and still call me have called twice on two hours today on the XXXX I answered and they hung up, or dont say anything. I work in aviation so I need my attention on my work for passenger safety. They continue to stress me even after I've paid my payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: NV

Complaint narrative:
Sherpherd Outsourcing has contacted me via text message twice regarding a debt that does not exist. First XX/XX/year> at XXXXXXXX XXXX  and again on XX/XX/year> at XXXX AM. They are employing scare tactics by using the phrase " we only have a limited time to work with you before we return your [ account ] to our client ''. I do have a Synchrony card, but I do not have an outstanding balance on that account nor have I ever been past due on that account. I checked directly with XXXX to confirm this. I have no outstanding debt for them to attempt to collect, and even if I did there would have been zero reason for Synchrony to not contact me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XXXX of 2025 there was a check that had came on my account it was XXXX dollars added to my account. 

My account was closed due to an issue or activity that I did not commit and was not aware of. 
I believe this action was taken in error, as I have always used my account responsibly and in accordance with the banks terms and conditions. I did not authorize, participate in, or benefit from any activity that would justify the closure of my account. 
I respectfully ask that you conduct a full review of my account and the circumstances surrounding its closure. I am more than willing to provide any additional information, documentation, or clarification needed to support this review. 
Regaining access to my account is very important to me, as it is necessary for managing my finances and meeting my financial obligations. I kindly request that my account be reinstated if the review confirms that I was not at fault.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
This complaint is submitted together with a cover letter and a sworn, notarized affidavit, which are incorporated by reference and provide a detailed factual record of the events described below. 
____________________________________________________________________ In late XX/XX/year>, I identified a debit card charge for {$89.00} that I did not recognize at the time it posted to my account. Because merchant details were not visible and the charge was unfamiliar, I contacted the financial institution and reported the transaction as potentially unauthorized. 

On XX/XX/year>, a provisional credit of {$89.00} was issued while the claim was under review. 

After the claim was initiated, additional information became available identifying the merchant. I then recalled that the only transaction I made at that location was a single small purchase ( approximately {$1.00} for a soda ). I did not authorize, agree to, or receive goods or services totaling {$89.00}. I notified the financial institution that the issue concerned an incorrect or unauthorized amount, not unauthorized use of my card. 

Despite this clarification, the institution refused to reclassify the claim as a billing error or incorrect amount dispute and proceeded to deny it as fraud. The denial stated that the claim was rejected because I authorized and/or participated in the activity. I dispute this reasoning, as participation in a transaction does not constitute authorization of an incorrect or altered amount.

Representatives advised that XXXX requires a receipt and suggested the dispute could not proceed without one. I explained that it is unrealistic to retain receipts for minor purchases such as a {$1.00} transaction. I was also advised that XXXX controlled the outcome, which conflicted with my understanding that claim classification is the responsibility of the financial institution. 

Due to the lack of cooperation, I contacted the merchant directly. Rather than checking records by date or transaction, the merchant requested that I come into the store. I declined due to safety concerns and because I believe the dispute should be handled between the financial institution and the merchant. 

On XX/XX/year>, I received written notice that the claim was denied and that the {$89.00} provisional credit would be reversed on XX/XX/year>. 

This is the second dispute in which I have experienced similar handling by this institution, including refusal to correct claim classification and reliance on participation to deny an amount dispute. I am requesting review and assistance to ensure proper dispute handling and compliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My name is XXXX XXXX and I am continuing tov make a complaint regarding Citifinancial contacting me through a mediator demanding IMMEDIATE payment via phone. This is regarding a reference number XXXX or case number XXXX stating I have an outstanding balance with Citifinacial. I have spoken with them several times stating that this is NOT my account and that I have not had an account with them. 

I have disputed this attempt for this debt and stated again that it is not my account. However, they continue to call me harrassing me and threatening to serve me now with an immediate court summons. I have asked for proof ( any kind ) regarding this account. They refuse and state that they do not have any information to send me or tell me any information regarding this debt. I feel like this is a threat and I am only asking for proof. They state that only after I am served and have a date in court will I then know the details of this debt. I have not received any information in the mail as they say they sent in XXXX or XX/XX/XXXX. 

I received my first phone call last week on XX/XX/XXXX from XXXX, Georgia XXXX ( XXXX ) XXXX. After I disputed this debt, I received a second call from XXXX, Georgia on XX/XX/XXXX at XXXX XXXX  stating that I will need to pay by phone or Citifinancail with immediately serve me and take me to court and that the charges and lawyer fees included with increase this debt to a tremendous amount. I then received a third call from XXXX, Georgia XXXX ( XXXX ) XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX at XXXX stating that because I fell through to pay by phone that I will now be served at my employment causing embarrassing circumstances. 

I emailed a formal complaint letter to the following emails listed : XXXX and XXXX on XX/XX/XXXX explaining to Citifinacial that I am being accussed of a debt that did not belong to me. I further explained why I disputed this complaint and asked for proof of this debt within 15 days. 

I am very upset with this circumstance and would like some kind of help with this situation. I am concerned about being scammed and wanted to let you know how upsetting this has been for me. I would greatly appreciate you help and understanding! thank you so much! 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 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCEis falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCEis a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 non-monetary relief
Consumer complaint received 2026-01-29 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: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/year>, I was charged {$600.00} by XXXX XXXX for an online purchase. 

The item was delivered with clear shipping damage. The shipping box was ripped, and the product itself arrived damaged. The item was never worn or used, and all original tags were still attached. 

I contacted the merchant multiple times over several days and provided photographic evidence showing the damaged box, damaged item, and tags still attached. The merchant failed to respond and did not provide a return authorization or prepaid return label. 

Because the merchant did not respond, I filed a billing dispute with Citi and submitted the same photographic evidence. Despite this, Citi denied the dispute, stating that insufficient proof was provided, without addressing the documentation submitted. 

I am requesting that Citi reopen and properly review this dispute in accordance with the Fair Credit Billing Act and provide a written explanation if the dispute continues to be denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account 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 2026-01-29 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: NC

Complaint narrative:
I have disputed this information on my credit report a total of three times now and Ive notified them that this is not my debt. I am not liable for that and they are still reporting it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX. I opened a CareCredit account to pay for XXXX  treatment under a deferred interest promotional plan requiring full payment by XX/XX/2024 to avoid interest. 

I attempted to pay the remaining balance before the deadline and received payment confirmation, but due to a processing issue outside of my control, the payment was not credited in time. CareCredit then applied approximately {$3000.00} in deferred interest.

After this, I contacted CareCredit for assistance. During a phone call, a representative told me that if I paid a specific amount by a certain date, my balance would return to {$0.00} and I would no longer owe anything. I confirmed this multiple times before submitting the payment, and the representative assured me this was correct.

I made the payment the same day based on that promise. However, CareCredit later informed me that the payment only covered one month of interest, not the full deferred interest balance. This was never clearly explained to me before payment. 

I believe this was misleading and deceptive, as I relied on incorrect information provided by CareCredit representatives when making a large payment. If I had been told the truth, I would not have agreed to the payment terms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a long-standing Bank of America customer with a stable financial history and predictable account behavior. In XXXX, I was targeted by a sophisticated scam that resulted in substantial unauthorized HELOC withdrawals. Despite multiple red flags, Bank of America processed the transactions without meaningful review, intervention, or protective measures. The bank denies responsibility, characterizing the transactions as authorized despite clear indicators of manipulation. 
While this case is open I had another fraud dispute with Bank of America in which the bank initially denied a credit card fraud claim, asserted it had proof, refused to provide documentation, and ultimately reversed its decision only after I insisted on seeing the evidence. This experience identified concern in the internal fraud detection processes and resolution.

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