vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
Illegal Vehicle Sale After Reinstatement XXXX. STATEMENT OF FACTS On XX/XX/XXXX, my vehicle was repossessed in the state of XXXX On that same day, I contacted XXXX XXXX and made a payment to bring the account current and reinstate my loan. I have bank records confirming this payment was accepted. 

During my communication with the lender on XX/XX/XXXX, I explicitly informed the representative that I was out of the country taking care of a personal matter. I spent over XXXX minutes on the phone with various departments, but the call was disconnected by the lender before I was provided with final retrieval instructions. 

Upon my return to the United States today, XX/XX/XXXX, I contacted Chrysler Capital to retrieve my vehicle. The representative confirmed my account status and specifically requested a payment of {$720.00} to release the vehicle. I agreed to pay this amount immediately. However, after being placed on hold, the representative returned to state that the vehicle had already been sold, despite having just requested more money from me to " recuperate '' it. 

XXXX. LEGAL VIOLATIONS XXXX XXXX I believe XXXX XXXX  has violated the following XXXX XXXX XXXX XXXX XXXX ) under the Uniform Commercial Code ( UCC ) : XXXX. XXXX. XXXX ( Right to Redeem ) : I fulfilled my right to reinstate/redeem the collateral by making the account current on the day of repossession. Selling the vehicle after accepting this payment is a breach of my redemption rights. 
XXXX. XXXX. XXXX & XXXX ( Notice Requirements ) : I received no formal written notice of the lenders intent to sell, the date of the auction, or the time/place of the sale. 
XXXX. Deceptive Practices : Attempting to collect an additional {$720.00} for a vehicle the lender had already sold is a deceptive and predatory collection practice. 

XXXX. DEMANDED RESOLUTION Because the vehicle has already been sold and can not be returned, I am seeking full financial restitution, including : Actual Damages : The full market value of the vehicle and the total amount of equity I held in the truck at the time of sale. 
Statutory Damages : Per XXXX. XXXX, I am seeking the total finance charges plus 10 % of the principal amount of the debt due to the lender 's failure to follow UCC procedures XXXX 
Refund of Payments : The immediate return of the reinstatement payment made on XX/XX/XXXX. 
Credit Correction : The immediate removal of any repossession marks or negative reporting related to this incident from my credit profile. 

IV. CONCLUSION I am prepared to escalate this to formal litigation if a settlement can not be reached immediately. I have already initiated complaints with the XXXX Attorney General and the Consumer Financial Protection Bureau ( CFPB ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I recieved a debit card XX/XX/year> mailed to my home address from a bank that I have no dealings with. I went to Huntington bank in person to file a report. They said that the account was done on line, but the Huntington Bank in XXXX XXXX in XXXX XXXX  got the credit for the opening of the account. Checking and savings were opened under my name. They had my name, social security and address. The email and phone number were both not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
LVNV FUNDING LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research LVNV FUNDING LLC 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I wanted to change my name on my card because I got married and have legally changed it. After being on hold for over an hour, I decided to just close the account. Which it appears the AI chatbot is able to do. It said my account was closed and when i asked for an account status, it says it's still active. I checked my email and I had nothing from them confirming me closing my account. So I asked AI for a confirmation email saying my account was closed and the AI seemed confused. I'm still on hold trying to get a person on the phone. Its been 1 hour and 24 mins on hold so far without speaking to a human.

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 2026-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am filing this complaint against Midland Credit Management XXXX XXXX regarding its collection and credit-reporting practices for the alleged XXXX  XXXX credit card debt being reported under MIDLANDCRE / account ending XXXXXXXX XXXX XXXX  with a reported balance of {$7100.00}. 

On XXXX XXXX XXXX, I mailed Midland a written dispute and a debt validation request under the FDCPA, and I included a limited cease-and-desist under 15 U.S.C. 1692c ( c ) that explicitly allowed Midland to respond in writing with validation ( and/or notice of specific legal action ). In that letter, I requested account-level documentation, including the original creditor information, original account number, full itemization of the alleged balance, the date of first delinquency ( DOFD ) and charge-off date, chain of title/assignment for this specific account, and proof that Midlands credit reporting is accurate and not re-aged. I also requested that Midland ensure the account is reported as disputed by consumer and that Midland cease collection activity until the debt is properly validated.

Midland responded through the CFPB on XXXX XXXX XXXX  and claimed : ( 1 ) my validation request was not timely because it states it mailed a validation letter on XXXX XXXX XXXX and ( 2 ) that I requested Midland to cease communication for all purposes, so it could not respond unless required by law. This is inaccurate and misleading. My letter was a limited cease-and-desist and specifically permitted Midland to communicate in writing to provide validation. Midlands response mischaracterizes my request in an apparent attempt to justify its failure to provide the requested account-level documentation.

Further, Midlands response does not substantiate the accuracy of the information it is furnishing to consumer reporting agencies. The tradeline is being reported as collection/charge-off with inconsistent and confusing fields, including inconsistent date fields ( e.g., date opened and date last active ) across bureaus, which raises concerns of inaccurate reporting and potential re-aging. Midland provided only generic statements that additional documents are not required and that verification information provided by the seller meets FDCPA requirements, but it did not provide competent records to validate the alleged balance, DOFD, charge-off date, or Midlands legal ownership/authority to report this specific account.

Midland is using conclusory compliance language while failing to provide a reasonable, document-supported basis for its collection and credit reporting. This is harmful to my credit profile and prevents me from evaluating the legitimacy and accuracy of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This is a brand new account so I did not realize that the due date was so soon. I opened at the end of XXXX. My due date was apparently assigned to XXXX - which is a federal holiday. Most credit card companies will amend the due date when it falls on a holiday but I also did not realize that it was set for this date. With the stress of the holidays and illnesses, I missed my payment. I have pretty much perfect payment history on my XXXX other American Express credit cards. As soon as I realized, I went ahead and made a payment for well above the minimum amount that was due. I then contacted customer service to get the {$29.00} late fee waived. I was told that it was in my account terms that it can not be waived. I asked to see these terms and when they could not provide me the information, the story changed and so I was lied to. It is not in any terms. The person then ended the chat with me unknowingly. I contacted again and the next person gave me more lies about how it is a new account. I have XXXX credit cards with them, XXXX going back to XXXX. I am not a new customer. I just want my {$29.00} back from them being rude and lying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
This letter is a formal follow-up to my original dispute. All supporting documentation should already be contained in my file ; however, I am resubmitting this statement to ensure a complete and accurate review. 

The original charge was paid in full, online, and on time. I disputed subsequent charges because they were not authorized, not valid, and not owed. I declined to pay those disputed amounts. Despite this, Target reported the disputed balances as charged off. 

As a direct result of this inaccurate reporting, my XXXX score declined from the XXXX to the XXXX. Reporting a charged-off balance for amounts that were timely paid and legitimately disputed is inaccurate and misleading. 

I am requesting a full reinvestigation of this account under the Fair Credit Reporting Act and correction or deletion of any information that can not be verified as accurate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Property Receivables, Corp
State: MA

Complaint narrative:
- We signed a lease cancellation agreement with XXXXXXXX XXXX on XX/XX/XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ, XXXX ) - After signing the lease agreement and completing all the payment procedures, I reached out to XXXX regarding the refund of my security deposit of XXXX $ - They informed me that there are some additional charges and they will forward me the details, but I did not receive any follow-up after that via email - On XX/XX/XXXX I received a call from Property Receivables Corp. DBA Collecttech, I talked to XXXX XXXX XXXX and she told me that we have XXXXXXXX XXXX amount to be paid back to XXXX after deduction XXXX XXXX $ of security deposit. 

- She asked if he had done a walkthrough, since I was not aware of this process, we had not done it which is why I was happy to pay the charges if they provided itemized deductions with proofs as per Arizona Law. 

- She said she would request for the same. 

- On XX/XX/XXXX I got another call that they could not retrieve the itemized deductions and would report to credit if I don't pay it on the same day. She also tried to intimidate me by saying that one of their customers lost a XXXX credit score for a pending payment of XXXX $ so that I can make the payment. 

- I sent out an email to XXXX and the debt collectors raising a dispute request to provide itemized deductions and I am happy to pay it. 

- None of them responded, On XX/XX/XXXX I reached out again requesting filing a dispute with the collections team but they started questioning me if I had any documents which I had already mentioned I was not provided with anything. They told me they will not raise a dispute and I need to pay it. All I am asking is an itemized deductions. 

- I am attaching the lease cancellation agreements, call logs to show no response from XXXX, email chains to show no response and the charge documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX  I asked capital one credit card services to close the account so that I could get caught up on my payments and the interest charges would stop. The representative I spoke to confirmed the account was closed and the interest charges would not occur since the account had been closed. As of XX/XX/XXXX the account is still accruing interest charges even though I asked them to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The collection company : XXXX XXXX XXXX : [ XXXX XXXX XXXX ] is attempting to collect a debt that is not mine. The original account was with [ XXXX XXXX XXXX ] under my maiden name, which I do not use. I requested verification from both the collection company and the original creditor, but they did not provide sufficient documentation to validate the debt. I am requesting that this account be removed from my credit report. 

Original creditor XXXX 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 2026-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting this complaint due to ongoing, unresolved credit reporting inaccuracies and compliance failures involving multiple furnishers on my consumer credit reports. Despite repeated disputes, these companies continue to report inaccurate, contradictory, and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ). 

The accounts listed below are being reported as charged off, past due, or delinquent, yet they simultaneously display conflicting balances, inconsistent payment histories, and re-aged delinquency markers that can not legally coexist with a finalized charge-off or closed account status. In several cases, the same accounts are reported differently across credit bureaus, demonstrating a failure to ensure maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). 

I have made good-faith efforts to resolve these issues directly by disputing the inaccuracies with the consumer reporting agencies. However, the furnishers have either failed to properly investigate, relied on automated verification methods, or continued reporting without providing competent, source-level documentation to substantiate the alleged debts. 

These reporting practices have caused measurable harm, including credit denials, higher interest rates, and damage to my creditworthiness. Once an account is charged off, it may not continue to accrue delinquency codes, reflect fluctuating balances, or be reported with internally contradictory data. Continued reporting of such information after notice constitutes willful or negligent non-compliance with federal law. 

The following accounts are affected by these violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry dated XX/XX/year> In addition, the XXXX XXXX inquiry was placed on my credit report without my authorization or proof of a permissible purpose, in violation of 15 U.S.C. 1681b. I have never provided written consent nor received documentation showing that I applied for credit with this institution. 

These ongoing failures demonstrate a lack of reasonable investigation, improper reliance on furnishers self-certification, and continued publication of inaccurate information after notice. I am requesting regulatory intervention because direct dispute efforts have not resulted in lawful compliance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
PayPal just decided to close my account for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Problem Description I am disputing five post-rental charges totaling {$10000.00} from XXXX XXXX XXXX XXXX ( XXXX ). At the time of rental, I purchased the merchants XXXX  insurance, and the vehicle was returned after hours as instructed. 

After the rental concluded, the merchant charged my American Express card using fragmented transactions. To support these charges, the merchant submitted internally contradictory documentation. 

Specifically, the merchant provided a Letter Explanation stating that I left the vehicle in the facilities without notifying the damage. At the same time, the merchant also submitted a Damage Acknowledgment form bearing a signature they attribute to me. 

These two assertions can not both be true. If I was not present and did not report damage, it would have been impossible for me to sign a detailed damage acknowledgment at return. The merchants own submissions are mutually exclusive and call into question the authenticity and reliability of the documentation used to justify these charges. 

Concise Statement of Issue with American Express I attempted to resolve this matter through American Expresss dispute process. However, American Expresss automated systems have blocked further investigation on two of the five related charges, and representatives stated they are unable to reopen closed cases despite the submission of new evidence showing merchant misrepresentation and internal inconsistency. 

As a result, American Express has failed to conduct a reasonable billing-error investigation under the Fair Credit Billing Act, instead relying on procedural or system limitations while declining to review the substance of the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
on XX/XX/year> i mistakenly sent money {$750.00} USD through XXXX money to a wrong recipient phone number from XXXX Bank Of America checking account in the amount of {$750.00} XXXX the payment was sent to XXXX XXXX, associated with the phone number XXXX immediately after discovering the mistake, i contacted Bank Of America customer service XXXX XXXX, i spoke with a representative who informed me that the funds had been withheld by the bank.on XX/XX/year> l contacted Bank Of America customer service again, l spoke with another representative who confirmed that the {$750.00} USD was still being held by the Bank and advised that an investigation would take between XXXX business days to refund the funds to my Checking account. after exactly XXXX month i called the Bank Of America customer service during this called l was informed that my claim had been declined and that l was advised to contact the recipient directly to request a refund.

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 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I am filing this complaint regarding a collection account reported by Radius Global Solutions for {$360.00}, allegedly associated with XXXX XXXX XXXX. I never received any prior written notice, billing statement, or communication from Radius Global Solutions regarding this alleged debt before it appeared on my credit report. I was not given an opportunity to review, dispute, or validate this account prior to credit reporting. 
Despite disputing this account, it continues to be reported without documentation substantiating its accuracy or proof that proper notice was ever provided. 

Reporting a collection account without first providing proper notice violates consumer protection laws. Under the Fair Debt Collection Practices Act ( FDCPA 1692g ), a debt collector must provide written notice of the debt and the consumers rights before engaging in collection activity, including reporting to credit bureaus. 
Additionally, under the Fair Credit Reporting Act ( FCRA ), information must be accurate and verifiable. Because no notice or validation has been provided, the accuracy of this account can not be confirmed.

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