vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Car loan-initiated XX/XX/XXXX, with a XXXX contract agreement terms at XXXX XXXX. I missed XXXX payments which was deferred to the end of my loan. Initially loan was supposed to end XX/XX/XXXX if all terms were met but due to XXXX, XXXX and loss of job, I managed to pay this loan up till XX/XX/XXXX due to the extensions. There were times I made double or more payments to meet up but I am surprised after XXXX when this loan was supposed to have ended even with the extensions, Santander Consumer USA told me I am still owing {$10000.00} on this car again, I asked why, all efforts to send an email to company management was rejected, no physical address to this company only a XXXX XXXX XXXX, so I drafted a letter to them requesting more explanation as to why my loan should extend more than XXXX  months including all deferments but Merchant did not take time to review my concerns and just sent me a reply stating I must pay the balance even when I feel they must have doubled the year somewhere by mistake but all efforts to reach a resolve was not accessible so I had to file a complaint here then look for a consumer legal help to help me resolve this issue as under the Fair credit Billing, and Fair Debt Collection Practice Act, I am being exploited. Kindly look into my concern for me, would really appreciate this if looked into with thanks. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cash app was going thru a lawsuit class action I was few mins to turn it into deadline n now I'm XXXX out of luck. I had documents and copies of all the fraud to help build my case. During covid n taxes n unemployment all my major banks had to b completely shut down. I had a district congresswomen help getting my refund that I nearly been seen waiting a little over 3 years. N I don't normally get taxes back cause of student loans I've 5 years up to date with my tax obligation good standing. I had to end all my bank accounts n deal with bad credit along with myself in hardship n was unaware of deposits. Before finding out cash app tells me I violated terms of service n when asked nothing read terms of service. I try emailing calling for the last year n half. IRS deposited my check into cash app. N now without knowledge no support I have reached the end of the rope as idk what to do. I used cash app as if it was XXXX n I'm not the type of feeling comfortable with the technology. So now with 0 help with cash app the money it's deposited into that account n cash app can't honor my hardship at the time. They should b held accountable n return the check that is rightfully owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
I had a Credit card debt that was charged off and bought by the Third Party LVNV FUNDING, LLC. Who Then used an agency by the name of Resurgent Capital Services who started sending letter to my home to collect for LVNV ( XXXX mail fraud ). I sent verification letters back for Privity of contract, my wet ink signature, XXXX XXXX written consent and notice of copyright/Trademark of my Legal name XXXX XXXX XXXX XXXX XXXX court records of and affidavit to support the information, I received no response other then copied information they had from original alleged creditor. XX/XX/year>, I received a summons from STATE OF DELAWARE DISTRICT COURT NO .16 by Attorney agent of XXXX XXXX XXXX  for a summons in court in which I submitted an affidavit that was ignored and looked at as a sovereign citizen. Im a Private American Pennsylvanian XXXX XXXX that is operating under XXXX XXXX and resinded all contracts with the UNITED STATES. On XX/XX/XXXX the ruling came in as default judgement and ordered me to pay XXXX to XXXX, XXXX and on top of that I just received another summons for another charged off account for a court appearance in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
There is a company called XXXX scam my money for did not give my money loan {$200000.00} they make me pay XXXX master dented card for XXXX $ XXXX $ etc from my empoyment earnings up to XXXX continue pay for {$5000.00} refund which no refund to me this no trust worthy bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX of XXXX, I attempted to open a checking account with XXXX Bank, but they denied me. The bank suggested I look into it because it was odd to be rejected. Upon reviewing my credit report, I discovered several debts with my information on them, but they did not belong to me. I updated my current information with my name, DOB, SS, and current address at the time. I proceeded to dispute debts, and on XX/XX/XXXX, I was able to open a checking account with XXXX. I relocated to XXXX, TX and as of XX/XX/XXXX, there's a transaction hold on my bank account. Upon reviewing the statements, a court order was placed. I never received notice of a court date ; the notice, dated XX/XX/XXXX, is under my maiden name and lists an address I no longer reside at. I was never properly served with these court papers. The debt collection is from XXXX Bank from XXXX, but XXXX XXXX XXXX from XXXX Receivers sent a court order to XXXX Bank requesting a hold on my bank account for {$10000.00}. We are XXXX, I have XXXX children that rely on me. Now I have to wait to see what happens and who knows how long it'll be until this issue gets resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One suddenly closed my checking and savings accounts without prior notice. I was informed that an email requesting identity verification was sent, but I could not see it due to phone issues, and I did not receive any follow-up calls or letters. 
This unexpected closure has caused emotional distress and difficulties managing my finances, even though I have always managed my accounts responsibly. I request that the company review this situation and consider reinstating my accounts or allowing me to open new ones, as the closure feels unfair and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
We opened a citi/advantage card through XXXX XXXX XXXX There was supposed to be a {$200.00} statement credit when we made out first purchase. We immediately made an airline e ticket purchase and have still not received the state credit. This was back in XXXX. I have talked to the cc company multiple times since and they always say yes you should have received the credit. Then they send it to the dept that handles credits. I hav received XXXX letters that say when you make your first purchase you are eligible for the credit. I have already made that purchase! I have been dealing with them for 6 months and no credit even though everyone talked to says I should have recent ( within XXXX weeks ). Help!

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 2025-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rubin & Rothman, LLC
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX filed a lawsuit against me in the Connecticut XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX No. XXXX ), seeking {$7000.00} in alleged credit card debt, despite the governing Cardmember Agreement containing a mandatory arbitration clause that requires disputes to be resolved through binding arbitration rather than court litigation. This clause, as detailed in XXXX XXXX  of my Motion to Compel Arbitration and Dismissal ( filed XX/XX/year> ), states that claims " must be resolved by binding arbitration whenever you or we choose to submit or refer a dispute, ''

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 2025-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern : I am writing in response to your attempts to collect the above-referenced accounts, which are currently being reported on my TransUnion credit file.

This letter is a formal demand that you CEASE AND DESIST all further communication with me, in accordance with my rights under Section 805 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

Furthermore, I dispute this alleged debt in its entirety. This is a formal request for validation of the debt pursuant to Section 809 ( b ) of the FDCPA, 15 U.S.C. 1692g ( b ).

Please provide me with competent evidence that : I have a legal obligation to pay you this debt. 

You are licensed to collect debts in the state of [ Your State ]. 

You have the legal authority to collect this debt on behalf of the original creditor. 

Until you provide the requested validation, you must cease all collection activities, including reporting this inaccurate information to the three major credit bureaus ( TransUnion, XXXX XXXX XXXX ). 

If you are unable or unwilling to provide validation of this debt, you must immediately DELETE this account from any and all credit bureaus you have reported it to. The continued reporting of an unvalidated and disputed debt is a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Be advised that I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the [ Your State ] Attorney General 's office for any violations of federal or state law. I also reserve the right to pursue private legal action for any damages caused by your continued reporting of this invalidated item. 

All future communications with me must be in writing, sent to the address at the top of this letter. 

Sincerely,

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 2025-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CCF Intermediate Holdings LLC
State: MO

Complaint narrative:
XXXX I have previously filed a complaint, but I failed to mention that this gentleman that was trying to repossess. My vehicle was also claiming to be a United States XXXX, according to my neighbor while he was sharing all my debt history with my neighbor he told him I had a warrant and listed off all of my dads through case net. He also claimed to be emailing all of my debtors and letting them know where I currently am residing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CL Holdings LLC
State: GA

Complaint narrative:
I took out the title loan on my vehicle from XXXX XXXX. My car was placed for collateral. I was unable to pay the loan and my car was taken in result of that failure to pay. The company has sense sold my account to a debt collection agency who has the debt on my credit and Ive asked them multiple times to remove it and they refuse. They also have the wrong dates on the collection account which is why it isnt dropping off my credit. I need this removed immediately and I keep disputing it and they are not removing it. The debt collection agency that currently holds the credit account is called Jeffersons Capital Systems LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 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: PA

Complaint narrative:
I reviewed my equifax online to freeze my credit due to fraud. I checked my score and I see a collection in the amount of XXXX XXXX I never received any form of validation in the mail. I wasnt able to dispute this debt within 30 days. I need help finding out more information. I currently do not have any debt. There is no phone number. 
XXXX XXXX XXXX XXXX XXXX XXXX  : CREDENCE RESOURCE MANA 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I am disputing a collection account being reported by Bull City Financial Solutions, account number XXXX, for an alleged balance of {$1400.00} with XXXX XXXX XXXX as the original creditor. This account is inaccurate and unverifiable. I have never received proper validation of this debt as required by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Bull City has not provided a signed agreement, itemized billing, or proof that they have the legal right to collect or report this debt. Reporting unverifiable or inaccurate information violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: OR

Complaint narrative:
I applied for a payday loan received the money to get into a house I was approved to rent. After the first 3 months ( XXXX ) after receiving the loan ( {$750.00} ) the automatic payments ( {$360.00} ) were being taken out as normal. Then I noticed after paying the amount I borrowed and what I assumed was a reasonable interest rate, I was still getting charged. When I brought it up to the company they told me I still had XXXX more months of these payments left. This is a 400 % + APR. This is not a small time loan like it says.

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 2025-09-20 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: UT

Complaint narrative:
I am in the Public Service Loan Forgiveness Program. I am a XXXX at XXXX XXXX XXXX, XXXX XXXXXXXX. I had to obtain my XXXX in order to work in this role and be eligible for tenure track. I owe $ XXXX in student loans as a single woman. Due to these loans, I opted to not marry nor have children and give of myself to public service. I began paying my loans in XXXX, as soon as I was obtaining my first degree. I consolidated my loans in XX/XX/XXXX. I had 76 qualifying payments and another 41 eligible. I have submitted multiple Employment Certifications ( ECFs ) for those 41 eligible which makes them qualifying, and I should be at 117 qualifying with those. But Federal Student Loans ( FSA ) has never updated those 41 nor have they applied the one-time IDR waiver ( for which I qualify, as I consolidated much in advance of the deadline for this eligibility ). My post-consolidated loans started back at XXXX which they absolutely should not have done since I qualify for the IDR adjustment. So the new consolidation loans only have 16 qualifying and the old pre-consolidation are still sitting at 76, sans the other 41 payments for which I have multiple completed ECFs. Thus, in essence, Im way over 120 payments for loan forgiveness but the PSLF form will not allow me to check mark the I have 120 box since they havent updated me. I am continuing to make payments thru my servicer, Mohela. Ive submitted a reconsideration form back in XXXX of XXXX and have made lots of phone calls and sent emails to FSA. My last update in NSLDS for the reconciliation loans was XX/XX/XXXX. Crickets. Im just told to keep waiting. Anything else I can do? I need your help to put pressure on FSA, Mohela, and NSLDS. Im doing more than my due diligence and have never missed a payment and continue to make payments even though I have surpassed my 120 payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: MO

Complaint narrative:
A fraudulent rental account was opened in my name without my knowledge or authorization. The company is attempting to collect {$6000.00} for a debt that does not belong to me. I never signed any lease or agreement connected to this account. 

I have already filed an official identity theft report through IdentityTheft.gov, which establishes that this account is the result of identity theft. Despite this, the company has failed to verify the debt or remove the account. Their actions are inaccurate, harmful to my credit, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I am demanding that this fraudulent account be immediately removed, all collection activity permanently stopped, and written confirmation provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing this complaint to formally dispute and request an immediate investigation into several inaccurate and damaging items appearing on my credit reports. These errors are severely impacting my creditworthiness and are clear violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

1. Wrong Address Reporting The following addresses are being falsely reported as associated with me : XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX Wrong Address XXXX XXXX XXXX XXXXXXXX, MI XXXX Wrong Address I have never lived at nor been associated with these addresses. Their inclusion suggests inadequate verification by the credit reporting agencies. Under FCRA 607 ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. 

2. Inaccurate Account Reporting The following account is being reported inaccurately : XXXX XXXX XXXX XXXX : XXXX Date Opened : XX/XX/XXXX Reported as : Charge Off High Credit : {$17000.00} This tradeline is inaccurate, incomplete, and misleading. I dispute the validity of this reporting and demand full validation and documentation. Reporting unverifiable or inaccurate information is a direct violation of FCRA 611 and 623. 

XXXX. Improper & Unauthorized Inquiries The following hard inquiries appear on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these inquiries. They constitute an impermissible access to my credit file in violation of FCRA 604. Unauthorized inquiries damage my credit score and constitute a breach of my consumer rights. 

Requested Relief I respectfully request that the CFPB investigate these violations and require the credit reporting agencies and furnishers to : Delete the wrong addresses ( XXXX XXXX XXXX XXXXXXXX, MI and XXXX XXXX XXXX XXXXXXXX, MI ). 

Remove or correct the XXXX XXXX XXXX account unless full, verifiable documentation proving accuracy is provided. 

Delete the unauthorized XXXX XXXX inquiries from XX/XX/XXXX and XX/XX/XXXX. 

Ensure compliance with FCRA, holding furnishers and credit bureaus accountable for failing to maintain maximum possible accuracy.

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 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, plse get rid of my report and file. I am fightin against identity theft and did not consent to it. PlSe get rid of thos records so as to clear up my credit report.

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 2025-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
They never reach out to me about my car loan i reach out to them tellin them i wasn't workin at the time and they said that the payments will get put in the back of my loan and then next thing i know they took my car and the sad part they never sent me anything sayin how much i owe or who much they sold the car for and i want to know why

Company response to consumer: Closed with explanation