vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
I am permanently XXXX, as a result my income dropped 80 %. I am trying to keep my car from going to repossession. I paid {$1500.00} in a 45 day time frame on what they said I owed which was XXXX approx. one month later they say I now owe them XXXX my balance is still the same I've paid this money and they say I owe more than the month before. further my principal has not gone down in over 6 months. this bank name is Santander Bank. The customer service including the executive part disconnects calls and chats constantly so you can't communicate with them. They done or can not answer questions about my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
Called Jefferson Capital on XX/XX/XXXX. Can not recall with whom I spoke. The information they attempted to get me to verify wasn't mine. I explained the original dept and the company are those of which I'm unfamiliar. I disputed the information on XXXX XX/XX/XXXX, completed XX/XX/XXXX, and they are claiming it's valid without even contacting me to verify if it actually is correct. Under T. C. A. 47-18-2109 I do not know how they were granted access to my credit profile, as the profile is locked. XXXX seems to side with the business instead of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
I asked the company to send over term agreement contract, sales agreement contract, and disclosure. The company never sent any documents via XXXX stating they have ownership of the accounts. It's been over a year now and they still haven't sent any proof so I'm demanding they be removed immediately because it is causing harm physically, mentally, and financially to my well being. I am trying to purchase a home and they are holding me back with these tactics they are doing to keep reporting illegally on my report. I know by law of the FCRA and consumer law 15 U.S. Code 1692e and 15 U.S. Code 1681o the are in violation. I ask this matter looking care of swiftly and promptly within the 15 day window that is allowed to companies to respond, with all collections accounts deleted and blocked from my report through law 15 U.S. Code 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — Store credit 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: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year> I ordered a vanity for my granddaughter. I then ordered a second one as a separate order. They were guaranteed quick ship-local supplier. They combined both into one order. I was given a tracking number for XXXX. The pkg never showed on my informed delivery but it showed out for delivery when I checked the tracking info. It then showed delivered XX/XX/year>. Except it was not delivered here. I contacted XXXX which was who it was ordered through. I paid using afterpay to avoid putting my card numbers on the XXXX site. So I immediately contact XXXX who says I must call XXXX. I called XXXX who said that tracking number was NOT addressed to me. It was signed for by XXXX. I said I dont know a XXXX. XXXX claims it was addressed to XXXX. They also said the order was shipped from XXXX not XXXX. So I contacted XXXX again. I then went to that item to see about reordering & noticed every single review on it is a complaint saying they were scammed. Theyd get an empty bag not the vanity ordered. I sent that to XXXX as well. Last week it said waiting on a refund except I do not have anything to return. Today it says delivered again. XXXX will not give me any additional info for safety due to it not being addressed to me. I told XXXX they requested the shipper call them. They are not following through. I tried to dispute the charges & afterpay wont accept the dispute because they are not responsible for items not received. It was a clear scam & afterpay operates as the payment point. They still take the payment from my account despite me telling them it was a scam & never received. Despite previous notices they still wont respond. So I screenshot several of the reviews to show them its a scam. They wont allow me to upload or contact them. Im attaching those reviews & my conversation with XXXX. Ive been given nothing but the run around for 2 weeks now. I just want to either receive the 2 vanities I ordered or a refund. No one will call XXXX. They keep telling me to call them. XXXX wont give me any more info because it was NOT ADDRESSED TO ME! They put a tracking number there that says XXXX, FL but even the proof of delivery says it was signed for by XXXX. If theyd just call XXXX with the tracking info Im sure XXXX will confirm everything I am telling you. I should also mention there are hundreds of people saying theyre being screwed out of their money on that listing. Someone needs to investigate this quickly before more people are scammed. At this point I know I wont be receiving the vanities but I should at least be able to receive a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: TN

Complaint narrative:
refusal release of funds {$500.00} all because i used virtual card berore debit card arrived. i didn't know. bank or app didnt mention that. day XXXX lost count STILL WAITING ON FRAUD DEPT ( why so slow???? ) keep account open so i can make a withdrawal and pay bills. or close account wait XXXX to XXXX days for check. i prefer keep account open for quick withdrawal and monthly direct deposit from XXXX office.

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 2026-03-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
A few days ago I got a email saying my statements are ready to view by SO Fi. I had issues with identity theft and just as well as other accounts I had to close the accounts I did not open 3 or 4 times. IN XXXX So Fi called me to say they fixed my banking issue and I could reapply for a checking or savings and walked me through the steps over the phone. So Fi told me three or 4 times repeatedly saying and when your account gets open. I need to tell you something. Credit alert by so fi is linked with another email. So Fi is connect to XXXX and XXXX told me to call about my XXXX cash card and ask about my Funds on the account when I asked for my account to be closed. XXXX is my email XXXX is what So fi told me my investment account is linked to and I dont have that email address and how did I get the email then.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I received an account summary from XXXX dated XXXX. The letter was addressed to a name with a different middle initial than mine. It gave a XXXX reference number, original account number, current creditor, original creditor, debt description which just repeated the creditor 's name, and itemization date of XXXX, the original balance in XXXX of {$29000.00}, and total amount of debt now {$58.00}, XXXX. The letter asked for payment of {$29000.00} to resolve my account in full. Their letter states to call or write to them by XX/XX/XXXX to dispute the debt and that they would send information to show that I owe the debt and that they would must stop collection until they send me that information. I do not recognize this debt and do not think it is mine, especially because the name the letter was addressed to does not match mine. I filled out the bottom form on the letter where I checked boxes disputing the debt because it was not mine, and asked for more details about the debt. I mailed that back to the company on XX/XX/XXXX. Despite filling out that form and mailing it in to them prior to their XX/XX/XXXX date, I still received another bill from XXXX but not the information I requested. The most recent communication from them, dated XX/XX/XXXX, is a bill for the same referenced debt. They are now asking for one payment of {$24000.00}. This letter does not have a form on the bottom in which I can dispute the debt or ask for more details on it. It is also still addressed to the wrong name. There is no indication that I contacted them to request the information I did in XXXX. They blatantly ignored my request for information and my dispute, and they continue to send me bills for a debt which is not mine.

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 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
First and foremost I would like to thank this website for granting me with the opportunity to file this complaint. My complaint starts with Capital One Bank its been about XXXX months that my checking account has been closed. every time I talk to Capital One on the phone, they seem to give me the runaround in regards to my remaining funds.It almost feels like they want to keep my money I would highly appreciate it if someone could help me talk to this bank about mailing me my remaining funds to the adress on file or I have a new bank account number so they could transfer it there.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have had a PenFed account for more that 10 years. Recently I have had some issues with the IRS and they have begun garnishing my payroll. I had gone negative on my PenFed account as someone my bills have tried taking thier payments and I guess under a new policy the bank now charges for those trransactiosn, {$30.00} per so they added up causing me to negative more than {$500.00}, as payroll hit my account it has gone down. I looked into my account on Saturday to see about attaching it to another account so I can depot monies in there and get it out of the negative, I realized they closed my account and since they are no long part of the Co-Op deposit system it is challenging to find a ATM to deposit cash. My payroll is going in there this week and I was informed it would be returned as a result.

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 2026-03-09 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: GA

Complaint narrative:
MIDLANDCRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRED 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 2026-03-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: GLOBAL SOLUTION BIZ LLC.
State: CA

Complaint narrative:
This company called on XX/XX/year> at XXXX & again at XXXX and left voicemails both times for the same matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Unifin Inc.
State: AZ

Complaint narrative:
I received an account summary from Unifin dated XXXX. The letter was addressed to a name with a different middle initial than mine. It gave a Unifin reference number, original account number, current creditor, original creditor, debt description which just repeated the creditor 's name, and itemization date of XXXX, the original balance in XXXX of {$29000.00}, and total amount of debt now {$58.00}, XXXX. The letter asked for payment of {$29000.00} to resolve my account in full. Their letter states to call or write to them by XX/XX/XXXX to dispute the debt and that they would send information to show that I owe the debt and that they would must stop collection until they send me that information. I do not recognize this debt and do not think it is mine, especially because the name the letter was addressed to does not match mine. I filled out the bottom form on the letter where I checked boxes disputing the debt because it was not mine, and asked for more details about the debt. I mailed that back to the company on XX/XX/XXXX. Despite filling out that form and mailing it in to them prior to their XX/XX/XXXX date, I still received another bill from Unifin but not the information I requested. The most recent communication from them, dated XX/XX/XXXX, is a bill for the same referenced debt. They are now asking for one payment of {$24000.00}. This letter does not have a form on the bottom in which I can dispute the debt or ask for more details on it. It is also still addressed to the wrong name. There is no indication that I contacted them to request the information I did in XXXX. They blatantly ignored my request for information and my dispute, and they continue to send me bills for a debt which is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: VA

Complaint narrative:
Discover has been informed about the mismanagement practices they are participating in by not following protocol according to consumer law protection rights. They are attempting to report after I addressed previous legal issues that I had concerns with and demanded they handle it with the proper professional attention. They are switching the burden on me without taking the proper actions and steps that would satisfy consumer law protection rights and standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
CFPB Complaint Unauthorized Transactions / Failure to Investigate Company : PayPal Product : Money transfer / digital wallet Issue : Unauthorized transactions and failure to conduct a reasonable investigation Complaint : I am filing this complaint against PayPal regarding unauthorized transactions totaling approximately {$2400.00} that occurred on my account between XX/XX/XXXX through XX/XX/XXXX, shortly after my phone was stolen. Because my phone had been stolen, I no longer had possession or control of my device at the time these transactions occurred. I promptly notified PayPal that my phone had been stolen and that the transactions were unauthorized. The transactions were sent to XXXX under the name XXXX XXXX, which is not my name and is not associated with me in any way. Despite reporting that my phone had been stolen and that these transfers were unauthorized, PayPal failed to conduct a reasonable and thorough investigation into my claim. I was later informed that my claim was denied because PayPal determined that the transactions were not processed or not completed. However, this determination does not make sense because approximately {$2400.00} clearly left my account, and my account balance was reduced accordingly. PayPal has not provided any clear explanation, documentation, or evidence showing how this conclusion was reached. Additionally, PayPal provided conflicting and misleading information during the dispute process, initially indicating that my case had been resolved and later stating that my entire claim had been denied. I believe PayPal failed to properly investigate my fraud report and did not reasonably consider the critical fact that my phone had been stolen before the transactions occurred. Financial institutions and payment processors handling consumer funds are expected to conduct * * reasonable investigations of unauthorized electronic transactions under the Electronic Fund Transfer Act and Regulation E. In this case, PayPal appears to have denied my claim without conducting a meaningful investigation or adequately reviewing the circumstances surrounding the unauthorized transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
I am filing a complaint regarding inaccurate and unverifiable information being reported on my credit report. I have disputed these items previously but the information remains without proper validation. The account being reported is inaccurate and the reporting company has failed to provide documentation proving the debt is valid and belongs to me. Under the Fair Credit Reporting Act, information reported to credit bureaus must be accurate and verifiable. I am requesting that this account be investigated and removed from my credit report if the company can not provide proper verification including the original contract, payment history, and proof of ownership of the debt. Ive also tried to dispute these problems numerous of times to come to an agreement and was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/year> I had paid off my Ann Taylor credit card which was {$70.00} On Thursday, XXXX of XXXX I called customer service XXXX ( XXXX ) XXXX to ensure that everything went through just fine. I was informed by the agent, that my payment had been made, that everything was paid in full and that my new statement fee was {$0.00}. I then asked that same agent to close off my account so that I could destroy my card and not worry about this credit card. The agent closed my account and wished me a nice day. On XX/XX/year> I received an email that I had a minimum payment of {$47.00} and a statement fee of {$110.00}. Right after, at about XXXX I called the same phone number above to ask what was going on. I was told that my payment never went though and that I now had to pay the previous statement fee of {$70.00}, the new late fee of {$41.00}, and the minimum interest fee of {$3.00}. I understand that the payment never went through and that I must pay the {$70.00} of my last statement once more but, I am not willing to pay the interest or late fees because I was ever made aware that anything was wrong up until XX/XX/year> which is XXXX days after the payment was made and XXXX days after my account had been closed off ( Which can only be done if I no longer owe anything ). I then asked for a waived fee and only to pay the original amount but was denied time and time again. I was told that I should have received a phone call from them depicting the charges to my account but then refused to give me that number. The agents name is XXXX and she said she couldn't do anything about the situation. I ask that I receive a waved fee as I should not have to pay any of the late fees or interest fees as I was not made aware of anything before the charges occurred and the due dates had passed.

Company response to consumer: Closed with monetary relief