vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
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: IA

Complaint narrative:
In XXXX, my ex-husband and I bought a new XXXX XXXX and was financed by XXXX XXXX In XXXX of XXXX, we paid off the loan in full. In XXXX, my husband and I divorced. This year, my ex-husband could not locate the title, so I went to the XXXX XXXX XXXX XXXX to apply for a replacement. The teller said that the title still had XXXX XXXX as a lien holder and to call them to release the title. That same day, Monday, XX/XX/XXXX, I called XXXX XXXX Customer Service to explain. The connection was potty and the employee had a heavy accent that made communication very difficult. However, she assured me that she emailed my request and to expect an email in 5-7business days. Because of the accent and spotty connection, I called back the next day ( Tuesday, XX/XX/XXXX ) to make sure that the email they had on file was accurate. Instead, I was told that because I was no longer a customer ( having paid off the loan 3.5 years ago ), the request didn't go through, so I asked them to try again. I asked this employee for confirmation numbers or at least an email to verify this request was going to go through. I was told that wasn't possible ; she put a note in the email and told me to wait 5-7 days for the title to be emailed to me. I waited 7 days, and when the email did not come on XX/XX/XXXX, I called again. I was on the phone with two other employees with thick accents for over an hour asking for a manager, confirmation numbers, and being transferred to various departments. The final employee ( one who worked for the title department ) apologized for the both of the previous miscommunications but assured me that she sent an email to the right department. I have no way of knowing that this is the case. She told me not to call to confirm for 5-7 days, and when I asked who I talk to, she said to ask about titles. Then, the call dropped completely. There are no checks and balances, no confirmations, and no avenues for customers who are no longer members because they paid off the loan years prior. Customer service has been unable or unwilling to assist without account access. The employees are incredibly hard to understand, and the calls are spotty, at best. Despite the loan being paid off in full, the State of Iowa still shows an active lien on the vehicle title. This is preventing us from selling or trading in the vehicle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Chime Financial Inc
State: OR

Complaint narrative:
I am filing a complaint regarding an issue with my XXXX balance through Chime that resulted from a system error on or around XX/XX/year>. According to information provided to me by XXXX support system, there was a known error on XX/XX/XXXX that reset customer XXXX balances to zero. I was not notified of this error at any time. The money was all of the sudden taken out on XX/XX/XXXX. I recieve direct deposits every week with unemployment and I have emails stating that everything 's been fully repaid and my balance is XXXX and on XX/XX/XXXX my balance was fully repaid again but all of the sudden I had a {$310.00} outstanding balance still I have called them multiple times trying to get this cleared up and have tried to speak to a supervisor multiple times waiting on hold and getting hung up on before I could ever reach a supervisor. Due to this system error, my balance was incorrectly displayed as available, and I was able to withdraw funds significantly beyond my normal approved limit. At no point did the system indicate that these funds were not actually available or that I was exceeding my true borrowing limit. I relied entirely on the balance information presented to me within the app, which I reasonably believed to be accurate. If my correct balance had been shown, I would not have made these withdrawals. Chime is now attempting to hold me responsible for approximately {$310.00} in additional funds, which were only made available due to their internal system failure. This situation was caused entirely by their error, and I was not given any notice or opportunity to avoid the issue. I believe it is unfair and inappropriate for Chime to collect or attempt to recover funds that were accessed solely because of their system malfunction and lack of disclosure. I am requesting that : The disputed balance of {$310.00} be removed My account be corrected to reflect accurate usage Chime provide documentation of the XX/XX/XXXX system error and how it impacted my account Chime implement proper notification procedures for future system issues affecting customer balances This situation has caused financial stress and confusion, and I am seeking a fair resolution. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
This complaint contains NEW information that was not included in my previous complaint. Since my last complaint, Exeter Finance has continued to update and report inaccurate, contradictory, and misleading information on my TransUnion credit report. These updates occurred AFTER the account was sold and AFTER XXXX XXXX XXXX confirmed in writing that they terminated collection efforts and requested deletion of their tradeline. Exeter sold this account, yet they continue to report as if they still own it. The account now shows multiple conflicting statuses and remarks, including : Sold ; was chargedoff, Purchased by another lender, and Paid in full/was a chargeoff. These remarks can not all be true at the same time and violate FCRA 607 ( b ) ( maximum possible accuracy ). Exeter also changed the removal date to XXXX which is illegal reaging under FCRA 623 ( a ) ( 5 ). This change was not present in my previous complaint and is NEW information. Every time Exeter updates the account with inaccurate information, it causes ongoing harm to my credit score. These updates were made AFTER my last complaint and AFTER the account was supposedly sold and closed. XXXX XXXX XXXX provided a written response stating they terminated collection efforts and would request deletion of their tradeline. Despite this, Exeter continues to report and update the account, even though they no longer own it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I SEND A LETTER ASKING FOR A DEBT VALIDATION, AND DOCUMENT THAT I AGREE TO PAY THIS DEBT AND AGREEMENT WERE I CONSENT THEM AUTHORITY TO COLLECT ON THIS DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I disputed a charge of XXXX with citibank and the charge was investigated. Citibank said the charge was valid and reversed the credit. I have continously disputed the charge. And asked citibank to prove i am responsible for this charge. Citibank has never sent documents showing how I am responsible for the charge. I have just received an accounting from the institution I disputed the XXXX XXXXXXXX charge and the funds were never received by citibank. Citibank has written off my account taken my XXXX XXXX XXXXd applied it towards this XXXX XXXXXXXX that citibank never paid to the institution.

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 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
On Saturday XX/XX/XXXX at XXXX I attempted to send a transaction on the cash app platform to an account by the cashtag XXXX XXXXXXXX. This was intended as a surprise gift to the would be recipient, but after sending I was informed that this account is suspended and can not use or receive the funds from me. Cashapp systems still allowed this transaction to show as a completed status on my accounts end, I then attempted to dispute this transaction internally with cashapp support since the funds are not on my account and not on the would be recipients account. On my second call attempt to dispute this transaction the representative on the phone asked me to email proof that the account is suspended, so I asked if I do send this proof over to you what then will you do? She then stated to me even if I see that you show that the account is suspended my brain will not allow me to comprehend how this transaction went through so will not be able to help you receive your funds back In my eyes right now Cash App has stolen these funds from me since they refuse to cancel or reverse my transaction. All I am asking for is my money back & adequate business being done in the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Company name : Huntington National Bank Product : Checking/Savings Account ( Fraud/Unauthorized Transaction ) Issue : Federal Regulation E Violation - Failure To Provide Provisional Credit I am filing this complaint against Huntington National Bank for a direct violation of Federal Regulation E ( 12 CFR 1005.11 ). On XX/XX/year>, I formally notified Huntington Bank of unauthorized electronic fund transfers totaling approximately {$5000.00}. Under 12 CFR 1005.11 ( c ), the bank is required to complete its investigation within 10 business days or provide a Provisional Credit for the full amount of the alleged error while the investigation continues. It has been 14 business days since my initial report. As of today, XX/XX/year>, the bank has failed to provide this mandated credit. I visited the local branch in XXXX, MI, on this date and spoke with the Branch Manager. I was informed that " internal notes were missing '' and that the bank was " unsure how to handle the situation '' due to the age of the fraudneither of which are legal exemptions from the 10-day provisional credit rule. Because the bank forced the closure of my original account due to this fraud, I am being denied access to my legal capital. I am requesting an immediate Provisional Credit issued via Cashiers Check or transferred to my current institution to bring the bank back into federal compliance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding, LLC continues to erroneously report a collection account for a XXXX credit line that has not only been paid in full ( bank records have been submitted showing the final payment for full balance in XX/XX/XXXX ), but is also past the XXXX year mark allowed by law for debt collection companies to report such. Despite the fact that XXXX has removed this account from my credit report because it was proven that it has been paid, LVNV Funding LLC continues to report this erroneous collection account with wrong dates, amount owed, etc. I have contacted their agency several times disputing their information, have requested for them to provide past payment history information and documents that would prove I do not owe this debt ; however, LVNV Funding LLC continues to report this account in error to my TransUnion credit bureau. This collection needs to be removed as I do not owe this debt any longer, their reporting dates are not only wrong, but an impossibility considering I could not have opened any accounts in XXXX due to XXXX. The accurate dates are the account was opened in XX/XX/XXXX, and it was paid off in XX/XX/XXXX as I have proof from bank records showing that my final payment was made in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: Chime Financial Inc
State: KS

Complaint narrative:
I had my credit card stolen on XX/XX/XXXX and multiple transactions made at a quick trip totaling in an amount of {$520.00}, Ive made a police report, filed a dispute with chime TWICE and both were denied. They clearly arent actually looking into the issue, but denying it. It says no billing error has occurred. Not doing their jobs thoroughly and not helping your customers receive their stolen money back is insane, and if you XXXX it they have HORRIBLE reviews about reimbursing someone when fraudulent activity happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2026, an unauthorized XXXX transaction in the amount of {$1000.00} was made from my account to an individual I do not know. I did not authorize this transaction. At the time of the transaction, my mobile device and personal information had been compromised, which allowed an unknown individual to access my financial accounts without my permission. I reported the transaction to USAA immediately and filed a police report. USAA denied my claim, stating that no error occurred based on their internal records. I requested that the case be reviewed again, and it was denied a second time. I also requested documentation supporting their decision, including IP address logs, device identification, and authentication records used to determine that the transaction was authorized. USAA did not provide this information. Under Regulation E, this qualifies as an unauthorized electronic fund transfer because it was initiated by a third party without my permission. I am requesting that USAA reopen and properly investigate this claim and reimburse the {$1000.00} unauthorized transaction. A police report has been filed and will be provided once available.

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 2026-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Skopos Financial, LLC
State: OR

Complaint narrative:
Pre-Approved for a personal loan with a reasonable but still high APR. After running my credit impacting my score, they tried to first talk me into leveraging my car to deliver the interest rate they offered me at the beginning. When I said I am not interested in taking out a loan on my car that is paid off they then said they could approve the loan, but at the highest interest rate allowed by law. Very much a bait and switch, where they promised me a rate that they had no intention of delivering on. Impacting my credit score so I am less credit worthy to other lenders. While offering me sub standard credit products that would put me in a bad financial position.

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 2026-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
This new complaint is based on previous complaint ID # XXXX. This complaint should not have been closed. One Main Financial ( XXXX ) was asked to provide and has yet to provide me with a break down of why the remaining balance is the said amount. As XXXX mentioned in the previous complaint, I did speak with a branch manager in the XXXX, XXXX location but he was only able to give me possible reasons why there was a remaining balance after the loan closed. However, he could not begin to explain how XXXX arrived at that exact figure. XXXX under law as a lender has the fiduciary responsibility to provide customers with transparency as to an exact breakdown dollar for dollar and cent for cent how they exactly arrived at the remaining balance after expiration of the loan. As you would see in the XXXX previous response they are not able to provide it via my CFPB complaint just as the branch manager was unable. I am demanding a line by line analysis of the claimed amount due cross referenced by each explanation given in their response. If XXXX can not show numerically how this money is due I am requesting that CFPB intervene and also request this information and/or respectfully refer me to the appropriate authority who can demand XXXX make this information available. Ultimately, if XXXX feels they are due this additional money in excess of {$600.00} they should have no problem itemizing the calculation and making it available for all interested parties to review. Unfortunately, a financial lender in the United States is not permitted to compile convuluted interest based on the explanations given and then be so arrogant to feel it uneccessary to show the exact figures. If XXXX can not show how this exact amount was calculated I not only want a refund of the overage amount paid but I also would like to request a forensic analysis from the appropriate federal government agency to also investigate if there are other customers who this may have happened to in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-01 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:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I am submitting a complaint regarding a GoodLeap installment loan with a promotional period requiring full payoff to avoid interest. I understood that interest would be applied retroactively if the balance was not paid in full by the end of the promotional period. Months prior to the end of the term, I contacted GoodLeap and a representative set up an additional payment of approximately {$700.00} on my account to ensure the balance would be paid in full. This payment was set up by the representative, and I reasonably understood it would be applied in addition to my existing scheduled automatic payment of {$91.00}. However, the scheduled automatic payment was removed or not processed, and I was not informed that this would occur. As a result, a remaining balance of {$91.00} was left on the account, and I was charged approximately {$640.00} in deferred intertest. I acted in good faith by relying on the representative 's actions and making payments as directed. After discovering this matter on XXXX XX/XX/year>, I contacted GoodLeap several times and my account is apparently still under review, and no resolution has been provided. I am requesting removal of the interest charges and correction of my account based on the payment actions taken by the Goodleap representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: IL

Complaint narrative:
I have XXXX complaints already filed with you guys for MOHELA. Complaint ID 's : XXXX ( still open ), and XXXX, closed. I asked for my final XXXX loans to be fully closed as they are paid in full but overpaid so they haven't closed the loans. I also asked for all the payoff letters for all XXXX of my loans. They sent me XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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