vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
This complaint is NOT a duplicate. It concerns new conduct and failures that occurred after my prior complaint was closed. 

Santander has repeatedly told me that credit reporting and handling of my account is at their discretion, even though my agreement does not mention charge-off reporting. I asked for clarification, policy documentation, and correction, but they refused to provide anything in writing. 

More recently, I have been told that I must first make payments toward the balance in order to be considered for an {$8000.00} settlement, but they will not provide a written settlement offer in advance. I am being asked to pay money with no guaranteed terms, while the account continues to be reported in a misleading way. 

I believe Santander did not conduct a reasonable investigation and failed to correct inaccurate or misleading reporting. Their investigation responses do not address the issues and continue to cause harm. 

I am requesting review of : failure to reasonably investigate my dispute misleading use of charge-off reporting conflicting settlement statements potential unfair or deceptive practices This filing is about new communications and failures after my last complaint, not a repeat of the previous submission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I paid off a car loan with TD auto finance on XXXX XXXX XXXX. Although it was a 75 month loan, I paid it off within six months and the final payment was the exact payoff amount that they provided on the day I sent the money ( {$510.00} ) they still have the loan as owing now XXXX XXXXXXXX and they say it isn't paid even though I have faxes them verification from my bank that they were sent the electronic bank payment on XX/XX/XXXX and it was successfully received. 
They refuse to accept that information and are very difficult to get a hold of or talk to they frequently hang up on me while they're transferring the call and make me go back through the phone choices ( XXXX minutes+ ) They've now asked me to send payment again when there's no way to get the sent money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: TekCollect Inc.
State: DE

Complaint narrative:
I signed with XXXX XX/XX/year> the company declared bankruptcy XX/XX/year>. I received limited product that did not fit my daughter 's teeth correctly. Corrections were not made as the company was no longer in business. TekCollection is attempting to have me pay them {$2000.00} for a service that was not provided as per contract with XXXX. TekCollection has made multiple reports to credit bureaus that I am in collections for a product/service that was not provided and quite frankly unethically sold to me as XXXX knew they were filing for bankruptcy.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bilt Technologies, Inc.
State: WA

Complaint narrative:
XXXX {$320.00} charge that was made through XXXX separate transactions on my statement that was not authorized by me or made by me. {$2.00} ( XXXX ), {$200.00} ( XXXX ), {$120.00} ( XXXX ). Charge was made through Bilt Rewards Portal through the Bilt Credit Card. Bilt has told me they can not issue a refund to me because the dispute is past XXXX days and that it can not be claimed as fraud, because I have existing business and purchases through the card prior to the fraud. I had three more charges that were unauthorized and disputed by me that were approved and issued a refund by Bilt, because they were in the 60 day window. Bilt has told me that the charge was made by someone named XXXX XXXX and that they purchased XXXX  products with my card information. I have contacted XXXX multiple times and they have told me they can not locate the payment despite me giving them trace numbers of the payments that were provided to me by Bilt. T-Mobile has said that Bilt is the only one that can help me receive a refund of the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
b'American Express gift card - keeps getting declined'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am filing a complaint regarding Chase Banks denial of an unauthorized electronic funds transfer claim totaling {$4900.00}. 

The transfers occurred on XX/XX/XXXX to an external account I do not own or control. I did not authorize these transfers or receive any benefit. 

Chase identified the activity as suspicious and contacted me on XX/XX/XXXX, stating that a fraud claim would be opened. However, Chase failed to open the claim until XX/XX/XXXX. This delay was due to Chases internal error, not any failure on my part to report the fraud. 

Chase denied the claim by asserting the transactions were authorized solely because credentials were used. This contradicts Regulation E, which requires affirmative consumer authorization. 

I am requesting reimbursement and a full reconsideration based on Regulation E requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: 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 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp.
State: AZ

Complaint narrative:
On XXXX  XXXX, 2025, Relay Financial closed my business checking accounts without prior notice. In the same communication, Relay stated that any remaining balances would be returned after completion of an investigation, which could take up to 45 days. 

At the time of closure, Relay Financial was holding approximately {$630.00} in combined account balances. After the accounts were closed, I repeatedly requested confirmation of the specific reason for closure, a final accounting of the funds, and confirmation of when and how the remaining balances would be returned. 

Relay Financial did not provide a specific reason for the closure and did not return the funds within the stated 45-day timeframe. The 45-day period expired in early XXXX 2026. 

On XXXX XXXX, 2026, I sent a formal written demand requesting immediate release of the remaining balances. As of the date of this complaint, XXXXelay Financial has not returned the funds and has not provided a valid explanation for the continued withholding. 

I believe Relay Financial is improperly retaining customer funds after account closure and failing to follow its own stated timeline for returning balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Lendbuzz Inc.
State: TN

Complaint narrative:
Formal Complaint and Statement of Dispute On XX/XX/year>, I entered into an agreement with XXXX XXXX XXXX to purchase a vehicle. The agreed purchase price was {$22000.00}, and I made a {$2500.00} down payment at the time of sale. In addition, I was verbally informed that a {$2000.00} discount would be applied to the final price. 

During the transaction, I was asked to sign sales and financing documents. These documents were changed and re-presented to me twice, with the explanation that there were errors. My brother was present during the entire process and is a direct witness to these events. 

I later discovered that, without my knowledge or explicit authorization, a vehicle loan was opened in my name for {$26000.00}, an amount that does not match the agreed purchase terms. At no point during the sale was I informed that the financing would be for this higher amount, nor did I knowingly consent to it. 

Upon discovering this issue, I immediately contacted the dealership by phone and email requesting corrections. However, I was told only that I was required to continue making payments, and no effort was made to investigate or resolve the discrepancy. 

Due to the dealerships failure to address this matter and the existence of a loan created without my informed consent, I had no choice but to stop making payments. I formally dispute and do not accept the validity of this loan or any related credit reporting, as it is based on inaccurate and unauthorized information. 

I respectfully request a full investigation into this matter, correction or removal of the improperly created loan, and the correction of all related credit reporting. I also request written confirmation of the outcome of this investigation. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
I was stunk in hurricane XXXX and my debit card at Ally bank had been turned off by the bank for a fraud alert that I never authorized. They told me it didn't matter they where not going to turn my debit card back on. My phone was stolen after the hurricane and they refused to allow me to access my bank account from another phone number and lied to me and said that I could only use a phone that was not registered in my name when my bank account clearly states that I could use the phone number that I want to be on my bank account to get security codes.

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: 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I paid my auto loan with Chase Auto Finance in full. 

A GAP insurance cancellation refund was issued by XXXX and sent to Chase Auto Finance ( Loan Number XXXX ) as the former lienholder. Since the loan balance is {$0.00}, this refund represents an overpayment that should be released to me. The GAP cancelation refund check was issued to Chase as the original lien holder and sent out XXXX XXXX for the amount of {$1000.00}. 

I have contacted Chase to request the refund, but the funds have not been forwarded or resolved in a reasonable time. I am requesting that Chase promptly issue the overpayment refund to me and confirm the timeline in writing. 

I believe Chase is improperly holding funds that I am entitled to receive. XXXX ( XXXX XXXX XXXX ) is also not being forthcoming with any information. I have asked for the check number the mailing date and the tracking number, which as of this moment they have refused. The woman on the phone from XXXX XXXX stated that there was no check after multiple call backs and that the money is put into a " Reserve account, '' However they were not aware who'd account this was. It certainly was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Debit Card Dispute Regulation E Complaint I am submitting this complaint regarding a debit card dispute with Bank of America that is governed by Regulation E ( 12 CFR Part 1005 ).

Unauthorized debit card transactions were processed on my Bank of America checking account in connection with an online gambling platform. The gambling account associated with these transactions was not opened under my name, my SSN, or my identity. I did not authorize my debit card to be linked to or used on an account belonging to another individual. 

I reported the unauthorized transactions promptly after discovering them and fully cooperated with Bank of Americas investigation. At the banks request, I also provided additional documentation on XX/XX/scrub>XXXX XXXX Despite this, the dispute has remained under review for an extended period without a final resolution. 

Under Regulation E, consumers are entitled to a timely and good-faith investigation of unauthorized electronic fund transfers. Given the length of time this dispute has been pending, I am concerned about whether the investigation is being handled in compliance with applicable regulatory timelines and requirements. 

I respectfully request the CFPBs assistance in ensuring that Bank of America conducts a proper compliance-level review of this matter and provides a final written resolution. 

Bank of America Claim ID : XXXX Date dispute opened : XX/XX/year> Disputed amount : {$15000.00} Thank you for your assistance. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
My PayPal account was closed. I dont understand why it was closed. I buy products on XXXX and XXXX and target and get reimbursed for them in order to move up listings or to deplete inventory. I do not do reviews or ratings or anything like that. I simply buy the products and they pay me back for those products. For some reason, my account has been deactivated and I am not able to remove any of my banking information nor access any funds nor get any funds deposited. They will not tell me why my account is closed and they will not allow me to remove banking information, including credit cards, etc.

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: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Marauder Corporation
State: TX

Complaint narrative:
I am filing this complaint regarding a collection account reporting on my credit report under the name XXXX XXXX XXXX in the amount of {$1700.00} ( Account ID XXXX XXXXXXXX ). 
I have no knowledge of this alleged account, no recollection of any agreement with this company, and I am unable to identify or contact this entity. The reporting provides no meaningful identifying information, such as a complete legal business name, address, phone number, original creditor, or documentation establishing the legitimacy of this debt. 
I previously disputed this account and requested verification, including : The full legal name of the reporting entity Proof of ownership or assignment of the alleged debt An itemized statement and account history Evidence of my obligation to this debt Despite my dispute, the credit bureau has continued reporting this account without Under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable reinvestigation and verify disputed information. Reporting a collection account from an unidentifiable or unverifiable source does not meet this standard. 
Additionally, under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Reporting a collection account without identifying the creditor or substantiating the debt is inaccurate, misleading, and harmful. 
Because the identity of this collection agency is unclear and no evidence has been produced, the accuracy of this tradeline can not be confirmed.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: NY

Complaint narrative:
I have a fraudulent withdrawal on my account from XX/XX/XXXX for XXXX : MOBILE PMT XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

I reported this as fraudulent when I saw it on XX/XX/XXXX. I talked to customer service on XX/XX/XXXX, and was told that an investigation had started. On XXXX XXXX, I was told my claim was denied because it was not filed within 24 hours of the fraud occurring. I then called XXXX XXXX who told me that they needed a letter on Axos letterhead explaining the error - that I reported a fraudulent debit from XXXX  XXXX for a payment for account number of XXXX XXXX XXXX for XXXX. Axos told me today that I should contact the merchant, and did not respond to my request for the letter. 

I have frozen the account, and they have assured me that money can not move in or out.

Company response to consumer: Closed with explanation
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: NJ

Complaint narrative:
Paypal permanently limited my account in XXXX is not holding funds and refuses to allow account closure or provide a lawful exit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: CAINE & WEINER COMPANY, 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 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Currently XXXX XXXX XXXX military stationed in XXXX, and applied for the XXXX XXXX  provisions of SCRA at American Express XXXX XXXX XX/XX/XXXX, which apply to all debt accrued during XXXX XXXX, not just before entering service. Was denied the application of state-specific SCRA benefits, even though stationed in XXXX at this time. State-specific provision below : REQUESTING SCRAXXXX under XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Laws Revised Statutes TITLE XXXX - Military, Naval, and Veteran 's Affairs RS XXXX - Limits on creditor interest rates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Limits on creditor interest rates XXXX. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/XXXX, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding XXXX percent per annum during the period that the person is XXXX on XXXX XXXX. 

B. Notwithstanding any provision of law to the contrary, interest or finance charges in excess of XXXX percent per annum that otherwise would be incurred but for the prohibition in Subsection A of this Section are forgiven. 

XXXX The amount of any periodic payment due from a person, or spouse of a person, who is on XXXX XXXX under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under Subsection B of this Section that is allocable to the period for which the periodic payment is made. 

XXXX In order for an obligation to be subject to the interest and finance charges limitation of this Section, the person, or spouse of the person on XXXX XXXX, shall provide the creditor with written notice and a copy of the military or gubernatorial orders calling the person to XXXX XXXX and of any orders further extending XXXX XXXX, not later than XXXX XXXX XXXX days after the date of the person 's termination of or release from XXXX XXXX. 

XXXX Upon receipt of the written notice and a copy of the orders referred to in Subsection D of this Section, the creditor shall treat the obligation in accordance with Subsection A of this Section, effective as of the date on which the person is on XXXX XXXX. 

XXXX XXXX court may grant a creditor relief from the interest and finance charges limitation of this Section, if, in the opinion of the court, the ability of the person, or spouse of the person, on XXXX XXXX to pay interest or finance charges with respect to the obligation at a rate in excess of XXXX percent per annum is not materially affected by reason of the person 's service on XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation