vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
My Robinhood account was locked after I traveled to another country while on vacation. When I returned to the United States at the end of the month, I contacted Robinhood support to recover access to my account and assets. Robinhood requested proof of identity and proof of address documents. I explained that I do not have utility bills, a lease agreement, or mortgage statements under my name because I currently live with my boyfriend and do not pay utilities directly. I was then informed that an official bank statement and my government-issued ID would be acceptable alternatives. I submitted my ID and my bank statement as requested. After submitting these documents, my account was still not unlocked, and I did not receive a clear explanation about the next steps. When I followed up again asking what else was needed, Robinhood repeated the same request for utility bills and other documents that I already explained I can not provide. They also stated that my bank statement is considered only a secondary document, even though I had previously been told it would be acceptable. As a result, I still can not access my account or the assets and funds that belong to me. I believe the company is not providing reasonable alternative verification options for customers who do not have utility bills or leases in their own name. The process has been repetitive, unclear, and unnecessarily difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
Santander company is showing on 1 of my 3 credit bureaus for a car loan. They are all showing different amounts as well as showing inconsistency in dates and where abouts.. Please remove this from ALL my credit reports Thank YOU beyond words being I have not had this vehicle ever in my possession. It was as given as a gift. I've not seen that car since XXXX, 7 years ago. Car was given to a girlfriends daughter. Auto loan was purchased by the Grandfather. The grandfather has since passed away and the relationship with the mother ended. I've had zero contact with her in the last 7 years. The details of what happened with the car were beyond my control and I have zero knowledge of what transpired with it. Now at XXXX XXXX XXXX this has effected my credit badly and I truly need this removed. I have NEVER had any loans with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am filing this complaint to formally dispute and demand the immediate deletion of a fraudulent account that has been wrongfully reported on my credit file. The account identified below is not mine and was reported without permissible purpose, constituting a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. I have already submitted an Identity Theft Report to the Federal Trade Commission ( FTC ) regarding this matter. Under 15 U.S.C. 1681c-2, once a consumer provides an FTC Identity Theft Report, credit reporting agencies are legally required to block and permanently remove the disputed account ( s ) from the consumers credit repor FRAUDULENT ACCOUNT DETAIL * CREDITOR NAME ACCOUNT DETAIL Santander XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
I am formally disputing a collection account being pursued by Sequium Asset Solutions LLC on behalf of XXXX XXXX in the amount of {$570.00}. This alleged debt is inaccurate and stems from a XXXX XXXX account that was voluntarily closed and restructured in XX/XX/year>. XXXX XXXX representatives repeatedly acknowledged that the billing issue appeared to originate from XXXX internal errors related to account consolidation and closure. The account was transitioned under another XXXX XXXX account ending in XXXX, and I was originally informed the final balance due at closure was approximately {$260.00}. Despite numerous disputes and ongoing communications with XXXX XXXX, the account was nevertheless transferred to collections. Relevant XXXX dispute references include : XXXX XXXX XXXX XXXX I have repeatedly disputed the validity of this debt and requested clarification, validation, and correction of the balance. However, collection efforts have continued despite the account being actively disputed and tied to documented XXXX billing errors. As a business owner, inaccurate collection reporting and improper collection activity may negatively affect my business creditworthiness, financing opportunities, and future operational scalability for XXXX XXXX XXXX XXXX. I am requesting the CFPB require the following actions : 1. Full validation of the alleged debt ; 2. Investigation into the accuracy of the balance being collected ; 3. Immediate cessation of collection activity pending validation ; 4. Removal of the collection account if the debt can not be fully verified ; 5. Correction of any inaccurate reporting to consumer or commercial reporting agencies. I believe this matter reflects improper collection activity tied to an unresolved and disputed billing error originating from XXXX XXXX. Thank you for your review and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc.
State: UT

Complaint narrative:
Consumer Financial Protection Bureau Complaint Against Sentry Recovery & Collections I am filing this complaint against Sentry Recovery & Collections regarding inaccurate and unlawful collection reporting associated with an alleged account for XXXX XXXX XXXX. I dispute the validity, ownership, and reporting of this alleged debt. Sentry Recovery & Collections has failed to provide proper validation of the account despite my requests. Their actions appear to violate several provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, a debt collector must provide proper validation of the debt, including evidence that I am legally responsible for the account. To date, I have not received sufficient documentation proving the alleged debt, the original agreement, complete payment history, or proof of authorization to collect. Additionally, under the Fair Credit Reporting Act, 15 U.S.C. 1681s-2, furnishers of information have a legal duty to report accurate and verifiable information to the credit bureaus. Reporting unverified, inaccurate, or misleading information is a violation of federal law. I also believe Sentry Recovery & Collections may be in violation of : FDCPA 15 U.S.C. 1692e False, deceptive, or misleading representations FDCPA 15 U.S.C. 1692f Unfair collection practices FCRA 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 15 U.S.C. 1681i Failure to conduct a reasonable investigation after dispute I am requesting the following : 1. Immediate investigation of this account 2. Full validation and verification of the alleged debt 3. Proof that I am legally responsible for the account 4. Copies of all signed contracts, agreements, and account records 5. Immediate deletion of any inaccurate or unverifiable information reported to all credit bureaus 6. Cease all collection activity until proper validation is provided If Sentry Recovery & Collections can not provide competent evidence that this debt is valid and legally enforceable, the account must be removed from my credit reports immediately. I request that the CFPB investigate this matter and ensure compliance with all applicable federal consumer protection laws.

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 2026-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: MI

Complaint narrative:
I submitted my final PSLF employment verification forms for total loan forgiveness and XX/XX/XXXX. I was told that this would bring me past to the 120 payments and I would be completely forgiven by the latest XX/XX/XXXX. I needed an employment verified from XX/XX/XXXX to XX/XX/XXXX at that point to be forgiven completely. I waited until until XX/XX/XXXX to follow up as I had not heard one word about about the status status of my forgiveness. I ended up going on a three-way call with a third-party company that I was working with to help facilitate this, XXXX, and we spoke to a representative of the federal student aid department , who then told us that they never received any of my forms in XX/XX/XXXX. The person I was working with had a clear copy of the fax receivable notification from the federal student department that my forms were received. In the meantime, I have been paying my monthly payment and I still pay my monthly payment. I am now still waiting to have my final employment certification forms processed, as I had to resubmit them and today I received two letter letters in the mail, one for each employer, stating that something is wrong with my forms, but they cant tell me what is wrong with my forms. So its like I have to guess and hope that Im getting it right even though they shouldve been forgiven over a year ago. I am unbelievably frustrated at this process and their inability to give me any answers or provide me with accurate information on the status of my loan forgiveness and Im continuing to make payments when I should not have to be making payments anymore at this point. This process could not be any more difficult for borrowers.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SIMM Associates, Inc.
State: IL

Complaint narrative:
I am filing this formal complaint against Simm Associates , Inc. for engaging in deceptive, abusive, and unlawful debt collection practices. This agency has issued a written threat to place a judgment lien against real estate belonging to a deceased individual, despite the fact that the absolute statute of limitations for estate claims in Illinois has long since expired. The original account holder, XXXX XXXX XXXX, XXXX passed away XXXX years ago on XX/XX/XXXX. No probate estate was ever opened, no executor or personal representative was ever appointed, and there are no living cosigners on this unsecured loan. XXXX XXXX recently transferred this uncollectible account to Simm Associates , Inc . On or about XX/XX/XXXX, the collection agency sent a written notice explicitly threatening to place a lien on the deceased person 's residential property if the past-due balance was not settled. Violation of the Illinois Probate Act ( 755 ILCS 5/18-12 ) : Under Illinois law, all claims against a decedent 's estate are strictly and permanently barred XXXX years after the date of death, whether probate is opened or not. Because XXXX years have passed, this debt is legally uncollectible, and no lien can legally be pursued or filed against the property. Violation of the Federal Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ) : The collection agency is using false, deceptive, and misleading representations by threatening a legal action ( filing a property lien ) that they can not legally take. I request that the Illinois Attorney Generals Office investigate this agency for predatory collection practices. I demand that Simm Associates , Inc. immediately cease all collection activities on this time-barred account, void the invalid debt, and stop harassing the surviving family members with fraudulent legal threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: SoLo Funds Inc.
State: OH

Complaint narrative:
I am a fully verified user on the SoLo Funds platform. I have an established, perfect track record on their marketplace, having successfully funded and fully repaid seven consecutive loans using my verified identity and bank account. My 8th loan contract was recently executed, signed, and the funds were legally disbursed by a lender into my wallet. Immediately after the funds were in my possession, SoLo Funds froze my account out of nowhere. They claim my identity matches a " duplicate account '' from XXXX that has a past-due balance. I have absolutely no knowledge of this XXXX account or debt. I requested full information and debt validation regarding this XXXX account, but SoLo Funds refused to disclose details or provide verification, keeping my account frozen. This practice is deeply problematic for several reasons : 1. Unlawful Contractual Interference : SoLo Funds explicitly maintains that it is a " marketplace platform '' and is not a party to the loan agreement between the borrower and lender. Because they are a non-party, they have no contractual authority to freeze or intercept funds already legally disbursed to me by a third-party lender. 2. Lack of Collection Authority : Freezing active, legally disbursed funds to force a payout on an unverified historical debt functions as an unlicensed, administrative collection tactic. 3. System Integrity Failure : My identity cleared verification seven consecutive times over my loan history. If an old account existed, their system 's failure to flag it over seven cycles proves an internal database error. I proposed a rational business resolution : unfreeze my account so I can complete my current contract cycle, and provide official debt validation documents for the XXXX record. I stated I am open to a payment arrangement if they can prove the debt is mine, but they can not hold my current disbursed funds XXXX. They have refused to cooperate, leaving my funds frozen and preventing me from fulfilling my obligation to the current lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX, office of the XXXX, has already emailed me confirming this debt is invalid and no longer being pursued by XXXX. They confirmed the debt was mistakenly attributed to me, and the damage to the rental vehicle was preexisting ; meaning it is NOT MY DEBT. Despite my repeated emails to Summit AR, and forwarding Summit multiple confirmations from XXXX proving the debt is not mine, Summit AR has yet to respond. The collection account is still appearing on multiple credit bureaus, causing significant financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Suttell, Hammer & White, P.S
State: OR

Complaint narrative:
Terrorize my life phone calls email let people appear to my house stating that they have a delivery package for me a man on a bicycle wear a black & white helmet posing as an officer. Forcing me to take the documents even when I told him i dont know these people. I am sacred for my life people coming to my house beating down my door I am afraid to go on the road too. I am sick woman with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I cant take no distraction on life I can hardly see out my eyes.

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 2026-05-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I had made a prior purchase through mattress firm in store and took advantage of the XXXX yr no interest promo they were running. XXXX was paid in full the other half financed. Later in the following year I made another purchase in the phone through online w a sales rep walking me through the process. They had another promo for XXXX yr no interest. I asked the rep w the autopay amount would it it be enough and satisfy the promotion so I dont get dinged for interest charges. The rep calculated and said yes. This entire time Im assuming its all taken care of. I went into my account because I needed to make another purchase thinking this was all done. I saw in my account they took already as of today {$1200.00} in interest fees and is asking to make another $ XXXX in interest fees. I have reached out to mattress firms customer service and they wouldnt work w me or take accountability and said they were just sorry I was going through this. I emailed spoke w mattress firms customer service corporate they said theres nothing they can do to call synchrony bank. I spoke w a rep there along with a supervisor and all have denied me and said they are not willing to do anything about the situation. I feel like this is a scam to consumers to make sure they miss the mark so the bank guarantees interest charges. I have attached the miscalculation along with the contact from corporate I have spoken with.

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 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am submitting this complaint regarding my CareCredit account with Synchrony Bank. I settled this account in full over XXXX months ago ; however, Synchrony Bank continues to inaccurately report that I owe the full balance on my credit report. This incorrect reporting has significantly impacted my credit score and caused financial harm. I have disputed this account with the credit bureaus on XXXX separate occasions, each time explaining that the account was settled in full. Despite this, the credit bureaus continue to state that Synchrony Bank is reporting the full balance as still owed. Additionally, I contacted Synchrony Bank directly to resolve this matter, but they have provided no resolution or assistance in correcting the inaccurate information being reported. I am requesting that this matter be investigated immediately and that Synchrony Bank update my account to accurately reflect that the debt has been settled in full and remove any inaccurate balance reporting from my credit file.

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 2026-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Ebay Credit Card recognize as valid an " authorized transaction '' this transaction has not my signature neither my approval but XXXX XXXX still charging even after a zero balance and close the account. Bank does not follow the privacy and fraud policy that protected customers from online scamming or hacking credit cards. A Team Member called several times since last year and update the investigation as a fraud claim ( this person admit the fraud claim and proceed to give a credit ) The bank did not pull these transcriptions neither mentioned in the final report I have been requesting this since i noticed this unauthorized charge also, the bank accumulated unpaid fees and penalties.

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 2026-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
The credit collection agency named XXXX purchase debt that was created by identity fraud with PayPal credit i previously disputed with them as grad. They sold daydream account with my information and now a new agency XXXX XXXX is threatening me with same PayPal account I did not create, so not own it have access too. This same account was created online. I canceled the email account with XXXX to stop PayPal and they are now harassing me on my business email. PayPal info is on the dark web. PayPal promised to close account. I am refining emails with authorizations for purchases paid by PayPal with other names to my business email XXXX. I used this email on XXXX and PayPal took over my email and created another fraud account using my email after I requested to be removed from XXXX and all PayPal affiliated companies. I was told my XXXX account was deleted. However I am reducing PayPal email invoices to pay for unauthorized purchases I never made. Help me. This is exhausting trying to fight identity fraud and scammers.

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