vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I am filing this complaint regarding an auto loan that was paid in full and closed, yet continues to be reported with an unclear and non-numeric balance indicated as on my consumer credit report. 

I previously disputed this account and requested verification from the furnisher. The account is paid, closed, and there is no remaining financial obligation. However, the credit reporting agency continues to publish an ambiguous balance rather than accurately reflecting a XXXX dollar balance or removing the tradeline. 

Reporting a paid and closed auto loan with a non-numeric balance fails to meet the Fair Credit Reporting Act requirement of maximum possible accuracy and creates confusion as to whether an obligation exists. 

Additionally, the continued reporting of this account after payoff, without clearly and accurately stating the final account status, serves no legitimate reporting purpose and results in ongoing harm to my credit profile. 

This complaint is submitted to require the furnisher and credit reporting agency to formally certify compliance with federal law under CFPB supervision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I purchased a used vehicle in Texas 7 days ago on XX/XX/year> from XXXX XXXX this is the address XXXX Highway XXXX XXXX XXXX, TX XXXX. The days prior to signing the contract, I went to the dealership to view the car I went ahead and got pre approved because the car was exactly what I was looking for. After pre approval the salesman XXXX verbally told me my XXXX would be 9 %. At no point was a higher XXXX clearly disclosed or explained to me. I was given a contract agreement paper that did not clearly state the XXXX and at no point was the paper explained at all to me. At the time of signing the contract XXXX had still not disclosed the true 23.50 % APR and after showing me how to use the computer to sign the contract, XXXX had left the office with no further explanation to the contract I was signing. 

After logging into my financing company app, I discovered the XXXX is actually 23.50 % for 72 months, which is materially different from what I was told and relied upon when agreeing to the purchase. I would not have agreed to the transaction had the true XXXX been disclosed. 

I had reached out to XXXX via text message and was very respectful asking why the XXXX was different from the 9 % he initially told me. He instantly got defensive and denied he told me that the XXXX was 9 %. I also reached out to the financing company via service request after trying to talk to a live agent with many failed attempts as they dont have a direct line to any live person only ai service agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IA

Complaint narrative:
On XXXX XXXX I noticed my ATM debit card missing. I then noticed that funds were taken out of my account causing me to be overdrawn when I got paid XXXX. I since filed a police report and contacted them. They took claim but didn't do anything and said I'm responsible for the funds taken out which is causing a hardship. I told them I had police report and they didn't seem interested in helping me at all & this is not the first time this has happened I'm still out over XXXX $ please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: LA

Complaint narrative:
I am requesting the following resolution : 1. Immediate deletion of this account from all consumer credit reporting agencies ( XXXX XXXX XXXX XXXX  ) ; OR 2. Provision of full and competent verification including : A signed consumer agreement Complete payment history Proof of legal authority to report the account Documentation showing the account is being reported accurately and in compliance with the Fair Credit Reporting Act If [ JEFFERSON CAPITAL SYSTEMS LLC. ] can not provide this documentation, the account must be permanently removed from my credit file. 

I also request written confirmation that the matter has been resolved and that all inaccurate reporting has ceased. 

If this matter is not resolved promptly, I reserve all rights to pursue additional regulatory complaints and civil remedies as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SOFI TECHNOLOGIES, INC.
State: NV

Complaint narrative:
Statement of Facts Misapplied Balance Transfer Payment On XX/XX/year>, I initiated a balance transfer request with XXXX XXXX XXXX XXXX to pay off a personal loan held jointly by my wife and me with SoFi Bank. During the balance transfer process, I inadvertently entered an incorrect mailing address, which caused the payment to be sent to an incorrect department within SoFi Bank. 

On XX/XX/year>, the check issued by XXXX XXXX XXXX XXXX in the amount of {$34000.00}, intended to satisfy our SoFi personal loan, was cashed and deposited by SoFi Bank. I later learned that the check was deposited by SoFi Banks Student Loan Department and applied to an unrelated account rather than being credited to our personal loan. We do not have a student loan account with SoFi Bank or any other lender, nor do we maintain any SoFi accounts other than our personal loan and a small investment account. 

On XX/XX/year>, after the payment failed to post to our personal loan account, I contacted SoFi Bank to inquire about the status of the mailed payment. A SoFi representative informed me that they had no record of receiving a payment for our personal loan and advised me to contact XXXX XXXX XXXX XXXX to verify the status of the balance transfer. 

Later that same day, I contacted XXXX XXXX XXXX XXXX and was informed that the check had been mailed to SoFi Bank, XXXX XXXX XXXX, XXXX, XXXX XXXX, and that it had been cashed on XX/XX/year>. 

At this time, the funds have been fully withdrawn from my XXXX XXXX XXXX XXXX account ; however, the payment has not been credited to our SoFi personal loan. The check was negotiated by SoFi Bank but misapplied to an incorrect internal department and/or account. 

Since XX/XX/year>, I have contacted SoFi Bank on numerous occasions in an effort to resolve this issue and have the funds properly applied to our personal loan account. My most recent contact occurred on XX/XX/year>, with a manager identified as XXXX, who confirmed that SoFi had located the check but stated that they were unable to credit our personal loan account. He advised that the funds would instead need to be returned to XXXX XXXX XXXX XXXX. 

I requested that a temporary credit in the amount of {$34000.00} be applied to our personal loan account while SoFi processed the correction, as the funds were already received and negotiated by SoFi Bank. XXXX stated that he was unable to do so. He further indicated that he would escalate the matter to senior management and follow up with me later that same day. This conversation occurred during the morning of XX/XX/year> ; however, I did not receive any follow-up communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
An account reported by this company is listed as charged off and/or written off on my credit report. I have not received documentation confirming whether the debt was canceled, discharged, or remains legally enforceable.

I also have not received an IRS Form 1099-C for this charged-off account. The creditor has not provided the date of any cancellation or documentation supporting continued reporting of the account as a delinquent charge-off.

Because the legal status of the debt has not been verified and no 1099-C has been issued, the reported account status may be inaccurate or misleading.

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 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Reference : Citibank Account # XXXX I am writing with EXTREME Customer Service FRUSTRATION. I have tried unsuccessfully for TWO MONTHS to resolve a FRAUD AND THEFT issue with a stolen check from the Citibank Payment System. 
Payment reference XXXX Check Number XXXX {$500.00} The Vendor never received this check, and it was stolen during mailing. The check was issued using the Citibank vendor payment utility. I do not need Citibank to investigate whether the payment was initiated or mailed. I need them to investigate WHO STOLE THIS PAYMENT. I CAN NOT TAKE THIS UP WITH MY VENDOR AS THE PAYMENT WAS STOLEN. 

Every time I contact Citibank they require lengthy time periods to perform an investigation, and the result is always the same. " A payment check was mailed to the vendor. '' I have been advised numerous times to take this up with my vendor. They ignore or otherwise refuse to investigate that the check was stolen and payment made to another party. 

State law provides that I am not responsible for a check if someone forged the signature of the person to whom you made out the check. 

I am demanding a full investigation of where this payment went and an immediate credit of {$500.00}

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 non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: 21ST MORTGAGE CORP.
State: NC

Complaint narrative:
We are only {$1500.00} behind.We 've been making a least $ XXXXXXXX XXXX XXXX monthy payments but 21st mortgage still wants to try and foreclose my home... 

I'm having a XXXX XXXX XXXX in two days and my husband XXXX XXXX XXXX XXXX XXXX We are a highly successful couple it's just my XXXX got us a little behind... They call us at least five times everyday and tell us we don't have any business being in this home and that we are not suitable for our lovely home. 

Please help us at least keep this roof over our heads so we can pay off this mortgage company and switch to a friendly mortgage company, someone that was NOT appointed to us by the house sellers. 

We can even pay it off with our taxes this year but they don't want to work with us.They send us letters threatening to foreclose or take legal action EVERY TIME we finish making a payment... We made a payment the XXXX of XXXX and it's NOW the XXXX and they still haven't taken the money out our account to prove we made our monthly payment. 

Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
The CB/KAY account is being reported inaccurately as a collection. This account was paid in full and has a XXXX balance. It should not be reported as a collection or negative account. The reporting is misleading and does not accurately reflect the true status of the account. I have already disputed this information with the credit bureaus and contacted the creditor, but the account continues to show as a collection despite being paid and closed with a XXXX balance. This violates the Fair Credit Reporting Act, which requires furnishers to report complete and accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
RentDebt Automated Collections is reporting a collection account, account number, for approximately {$830.00}, allegedly associated with a residential property.

I have never been provided a lease agreement, itemized move-out charges, or proof that RentDebt owns or was assigned this debt. I disputed the account and requested validation, but no documentation was provided.

The account continues to be reported without verification of accuracy or legal authority to collect. 

I am requesting removal of this collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: NC

Complaint narrative:
I am disputing the accuracy and validity of the above-referenced collection account reported on my XXXX  credit report by XXXX, allegedly associated with XXXX XXXX  XXXX 
This account is reported as an open collection with a balance of {$690.00}, yet the tradeline contains incomplete and inaccurate information. Specifically, there is no payment history displayed, no clear status, no terms, and no documentation provided demonstrating that I am legally obligated to pay this debt. Additionally, the tradeline lists conflicting or missing data fields while continuing to negatively impact my credit. 
Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information are required to ensure maximum possible accuracy of information reported to consumer reporting agencies. Reporting a collection account without complete, verifiable, and accurate supporting information is a violation of this obligation.

Further, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I have the right to receive proper validation of the alleged debt, including verification that the debt is owed by me, the amount is accurate, and that the collector has the legal right to collect. To date, I have not received sufficient validation, including a copy of the original contract or evidence of assignment. 
I am requesting that the CFPB investigate this matter and require CRCORPSOL to either : Provide full legal validation of the alleged debt, or Delete and remove this account from my credit report due to failure to verify and inaccurate reporting. 
I have attached a copy of my XXXX  credit report showing the disputed account for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXXXXXX XXXX XXXX, failure to honor a lawful cancellation, and creation of a wrongful debt that has severely damaged my credit. I was told during the sales presentation that the cost would be approximately {$60.00} per month, which was false and influenced my decision. I cancelled within the legal rescission window, but XXXX failed to process the cancellation. Instead, they created a {$3000.00} default, despite me being repeatedly told over multiple extremely long customer service calls that the account was cancelled. They also used very unethical high pressure sales tactics. Their failure to honor my cancellation and resolve this resulted in wrongful default reporting and severe credit harm. I am requesting that XXXX be required to remove the debt, reverse the default, correct all negative credit reporting, and close the account.

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 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
I requested that Chime investigate a fraudulent transaction and open a dispute under Regulation E after I was scammed. Chime refused to open a dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Servicing Solutions, LLC
State: FL

Complaint narrative:
XXXX XX/XX/year> there was an account opened under my name! XXXX XXXX. This is fraudulent! Please removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
An account reported by this company is listed as charged off and/or written off on my credit report. I have not received documentation confirming whether the debt was canceled, discharged, or remains legally enforceable. 

I also have not received an IRS Form 1099-C for this charged-off account. The creditor has not provided the date of any cancellation or documentation supporting continued reporting of the account as a delinquent charge-off.

Because the legal status of the debt has not been verified and no 1099-C has been issued, the reported account status may be inaccurate or misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO

Complaint narrative:
Toyota Motor Credit Corporation is reporting my auto loan with contradictory and misleading account statuses across XXXX  XXXX  and XXXX. The account is reported as closed with a XXXX balance while also being reported as a repossession and a redeemed repossession. These statuses can not legally coexist and are materially misleading. Toyota has not provided any documentation showing proof of repossession proof of redemption sale records payment history or deficiency calculations to support this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
This is the XXXX  complaint because the XXXX  I can not find. 

I am submitting this supplemental response to my CFPB complaint to provide additional evidence and to clarify that FNBOs unfair billing practices are ongoing. 
Despite FNBOs acknowledgment of my dispute and their partial reversal of late fees on XX/XX/year>, FNBO has continued to assess late fees on the employee card account while simultaneously accepting payments on what is presented in their system as the primary business account. Attached screenshots show : Repeated {$39.00} late fees assessed monthly from XXXX through XX/XX/year> Acceptance of payments during this same period A partial late-fee reversal ( {$110.00} ), which demonstrates FNBO recognized the billing issue A single shared credit limit, unified account summary, and no clear warning that payments made would not satisfy alleged obligations on employee cards FNBOs mobile and online interface presents these accounts as part of a single business relationship, with a consolidated credit limit and shared balance visibility. A reasonable business owner would believe that payments made through this system are applied to the business account as a whole. 
Continuing to assess penalties after acknowledging a dispute and accepting payments constitutes unfair and deceptive servicing practices. FNBO has failed to clearly disclose this non-standard billing structure and has continued to profit from late fees despite demonstrated good-faith payment efforts.

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 2025-12-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Colony Ridge Inc.
State: TX

Complaint narrative:
I have a seller-financed land contract ( contract for deed ) with Colony Ridge Land , LLC that has been in place since XXXX and another transferred contract from XXXX. 

I have made regular monthly payments for several years, but my payments are not being properly applied to principal. Most of the money I have paid has gone to interest, late fees, and other charges, while the principal balance has barely decreased. 

My interest rate is 12.9 %, and I am being charged recurring automatic late fees and other charges that inflate my balance. After paying tens of thousands of dollars, my balances remain extremely high, which indicates predatory and misleading lending practices. 

I believe these contracts violate federal consumer protection and mortgage lending laws, including unfair, deceptive, and abusive acts and practices ( XXXX ). 

I am requesting a full audit and recalculation of my accounts, removal of unlawful fees and interest, proper application of all payments to principal, correction of my contracts to comply with federal mortgage laws, and written confirmation of my corrected balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
The portfolio recovery associates , LLC I have tried calling and emailing and I disrupted multiple times because I have no idea where this debt is from but if it is debt I had then they have changed the original open dates for these accounts I haven't tried opening anything since XXXX at the latest maybe but they have that my accounts have been opened in XXXX and that is not accurate I haven't opened anything they had also been calling non stop, sending handfuls of letter at a time saying we owed and then sending multiple people to our houses with the court but wasn't showing definite answers to where these accounts were from and when they were actually opened because I haven't opened a single thing in XXXX. But once I tried to figure this out I couldn't get them to communicate and the lawyer I talked to said it wasn't worth his cost to fight it so I'm not sure what to do.

Company response to consumer: Closed with explanation