vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Openbank ( Santander Bank ) regarding what I consider to be an unjustified restriction of my account and improper withholding of my funds. I am a legitimate customer of Openbank, and I attempted to transfer money from my account to another XXXX XXXX account that is also under my name. This was a standard transfer between my own accounts, with no third-party involvement or suspicious activity. Despite this, Openbank blocked my account without providing any valid explanation. This action effectively prevented me from accessing and transferring my own money. I find this conduct unacceptable and deeply concerning. I immediately contacted their customer service team and fully cooperated with all verification requests. I verified my identity through every method they required. I even offered to visit a nearby branch in person to resolve any concerns they might have. Despite my full cooperation and transparency, they refused to lift the restriction or provide a clear justification for their actions. This behavior appears to be an intentional obstruction designed to delay or prevent me from accessing my own funds. Holding a customers money without valid cause or timely resolution is not only unethical but may also be in violation of consumer protection laws. I am demanding immediate action to : Unblock my account Allow full access to my funds Provide a clear written explanation for the restriction If this issue is not resolved promptly, I am prepared to pursue legal action against Openbank ( Santander Bank ) for financial damages resulting from their actions, including but not limited to loss of access to funds, financial disruption, and any associated costs. I expect a formal response and resolution as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On or around XX/XX/XXXX, I attempted to file my federal tax return, but it was rejected because a return had already been filed using my Social Security number. I did not file a prior return and did not authorize anyone to do so on my behalf. After discovering this, I reviewed my financial accounts and noticed suspicious activity that I do not recognize. On XX/XX/XXXX, I contacted the company to report the issue and began the dispute process. On XX/XX/XXXX, I completed an identity theft affidavit and took steps to secure my personal information. I also attempted to resolve the issue by notifying the appropriate parties and requesting an investigation into the fraudulent activity. As of now, the issue remains unresolved, and I am requesting that the fraudulent activity be investigated and removed. I am also requesting confirmation once the matter has been fully resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
XXXX XXXX XXXX sent someone to my home and handed an open letter disclosing the debt and pending lawsuit to my XXXX XXXX XXXX son on XX/XX/year> around XXXX central time while I was at work. XXXX also noted Gurstel Law Firm on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
I am filing this complaint regarding a collection account reported by IQ Data International on my credit file. I formally disputed this account and requested documentation supporting the reported balance, including a complete lease agreement, itemized move-out statement, and invoices or receipts for any alleged repair or damage charges. In response, the furnisher provided only : A partial lease agreement An internal ledger/spreadsheet summarizing charges No invoices, repair receipts, work orders, or itemized documentation supporting the alleged damages have ever been provided. This same documentation was previously used in prior disputes and has been reproduced again without any additional supporting evidence. Despite this, XXXX verified the account as accurate. This indicates that a reasonable reinvestigation was not conducted as required under the Fair Credit Reporting Act. This account is reported as a joint obligation. The same account has already been deleted from the co-obligors XXXX credit report following a reinvestigation. Despite this, the furnisher continues to report the account as accurate on my XXXX report. This creates a material inconsistency, as the same account can not be both unverifiable for XXXX consumer and accurate for another. It further calls into question the reliability and verifiability of the reported balance. Additionally, the furnisher has added interest to the account without providing any contractual documentation or legal basis authorizing such charges. I am requesting that : XXXX. IQ Data International provide all documentation used to verify this account, including invoices, receipts, and itemized accounting supporting each charge, or XXXX. The account be deleted from all consumer reporting agencies if such documentation can not be produced. I am also requesting that XXXX review the adequacy of its reinvestigation, as the account was verified without the furnisher providing underlying documentation supporting the reported balance. This complaint is submitted without admission of liability and with the expectation that inaccurate or unverified information will not continue to be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: CA

Complaint narrative:
Issue : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing this complaint regarding a late payment reported on my student loan account serviced by MOHELA. My loans were enrolled in automatic debit, which I rely on specifically to ensure that my payments are made on time each month. I have maintained a consistent payment history on my student loans and have never defaulted on a loan payment. After receiving a late payment notice, I reviewed my account and discovered that only a portion of my loans remained enrolled in automatic debit, while others had been removed. I did not knowingly remove these loans from auto-pay, nor was I aware that they were no longer included in the automatic payment arrangement. Because I reasonably believed that all of my loans were still enrolled in automatic debit, I had no indication that a payment would fail to process as expected. As soon as I discovered the issue, I immediately corrected the account settings and ensured that all loans are now properly enrolled in automatic payment moving forward. When I previously contacted MOHELA regarding the late payment notice, the representative I spoke with stated that she did not see a default payment on my account, which further reinforced my understanding that my account had otherwise remained in good standing. Given that my account was intended to be paid through automatic debit and the change to the auto-pay configuration occurred without my knowledge or authorization, I am requesting that MOHELA investigate this matter and review the accuracy of the late payment reporting. If the investigation determines that the late payment resulted from an account servicing or automatic debit configuration issue, I respectfully request that the negative credit reporting be corrected or removed. I appreciate your assistance in reviewing this matter and ensuring that the credit reporting associated with my account is accurate and fair.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Byrider Franchising, LLC
State: PA

Complaint narrative:
I am submitting this complaint regarding an auto loan that I made substantial payments on before experiencing severe financial hardship. I purchased the vehicle around XXXX and made consistent payments, ultimately paying approximately 84 % of the total loan balance. Around late XXXX, I lost my ability to continue working due to serious health issues. Despite this, I continued making payments for as long as I could, into approximately XXXX. During this time, I was facing extreme financial hardship. I was waiting on unemployment benefits and in the process of applying for XXXX XXXX XXXX, which I was eventually approved for in XXXX. I also underwent XXXX XXXX, and my family was dealing with serious medical issues, including my mother being diagnosed with XXXX that spread to her XXXX. Due to these circumstances, I was unable to continue making payments and had to surrender the vehicle. The remaining balance is approximately {$1700.00}. Given that I paid the majority of the loan ( around 84 % ) and experienced documented, long-term hardship, I am requesting that the company review this account for a reasonable settlement or goodwill adjustment. I am currently on a fixed XXXX income and am trying to resolve this debt so I can stabilize my financial situation and move forward. I am not disputing that the account existed, but I am requesting fair consideration based on my payment history and the hardship I experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: TN

Complaint narrative:
SUBJECT : Erroneous Debt Collection due to Admitted Creditor Misinformation CREDITOR : XXXX / XXXX XXXX XXXX COLLECTOR : Sequium Asset Solutions I am formally disputing a {$210.00} collection. This debt was sent to collections strictly due to documented negligence and misinformation by the original creditor, XXXX. The Background : Around 9 months ago, I moved residences and disconnected a mobile line and an XXXX line. Following this move, I contacted XXXX multiple times to verify my final balance across all accounts. On each occasion, XXXX agents confirmed my balance was {$0.00}. Relying on this official confirmation, I assumed the account was settled. The Collection : On XX/XX/year>, I received a debt collection notice from Sequium Asset Solutions stating I owed {$210.00}, which XXXX had sent to collections on XX/XX/year>. The Admission of Fault : I immediately initiated a chat with XXXX support on XX/XX/year> ( transcript saved ). During this recorded chat, the billing agent acknowledged the {$210.00} balance was an unbilled XXXX payoff ( {$180.00} ) and prorated charges ( {$25.00} ) plus late fees. The agent explicitly admitted fault, stating : " I totally understand that you were not shared the correct details, and I really apologize for it ''. The Supervisor Refusal : I requested a supervisor. The supervisor reviewed the chat and confirmed the company 's failure, stating : "... you have received incorrect information, which is completely inappropriate and not allowed on our end ''. Despite explicitly admitting that XXXX provided incorrect information that prevented me from paying the bill on time, the supervisor refused to initiate an " Agency Debt Recall '' from the collection agency, claiming system limitations on closed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: IL

Complaint narrative:
I've disputed multiple times with your company that I did not open this account, nor did I sign or consent to any binding agreement with anyone regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I contacted XXXX by phone after multiple unsuccessful attempts to reach them. I remained on the call for approximately 36 minutes. During that call, a representative confirmed that my order was never shipped or delivered and that a refund would be issued. Following the call, I received written confirmation stating that my refund request had been submitted to their billing team. The email also confirmed a net refund amount of {$860.00}, after an {$88.00} enrollment/program fee that they stated is non-refundable. As of today, more than 8 days later, the refund has not been processed, and no updates have been provided by XXXX despite follow-up attempts. At the same time, XXXX has refused to take action and continues to rely solely on the merchants initial statements without conducting an independent investigation. Their response states that they can not adjust the account unless the merchant processes the refund, even though I have provided evidence that the product was never delivered and that the merchant acknowledged this. As a result, I am still being charged for a product that was never shipped or received. My XXXX balance remains active, and I have an upcoming payment scheduled, which places me at risk of paying for goods I never received. I respectfully request that this case be reopened and properly investigated. I also request that XXXX take appropriate action to stop further charges and ensure that I am not held financially responsible for a transaction involving goods that were never delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MI

Complaint narrative:
On XX/XX/XXXX, Columbia Debt Recovery LLC DBA Genesis emailed me to notify me of their attempt to collect a debt on behalf of XXXX XXXX XXXX in the amount of {$600.00}. The original balance from XXXX XXXX Apartments was {$550.00}, and Columbia Debt Recovery LLC told me that they were charging me {$44.00} in interest. They attached a copy of my lease and a copy of an unknown " move out statement '', which included utility costs. These costs were not in my payment portal and I disputed this with XXXX XXXX, along with other move-out charges. They ( XXXX XXXX ) did not follow the law and go to small claims, as is legally required, and instead sold the excess debt to collections. I also disputed with XXXX XXXX the overall charges, as they stated on that Move Out Statement that my last date there was XX/XX/XXXX. However, my last date was actually XX/XX/XXXX and the charges for that period were not accurate. I replied to Columbia Debt Recovery LLC 's notification of attempt to collect the debt on XX/XX/XXXX, stating that I wished to dispute it and they never responded. I provided supporting documentation and evidence in the email, but again, this was not acknowledged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On my XXXX app, I no longer can pay my contacts as I did before. I have two bank accounts connected and they say we can not pay out. They used to do it. But now I am stranded while traveling.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am disputing a {$500.00} charge for injectable cosmetic services that were misrepresented. I was told I would receive XXXX and XXXX, which are FDA-regulated medical products requiring traceable lot numbers for safety. When I requested proof of the product used, the provider refused to supply lot numbers or documentation and instead gave a generic statement claiming the products were FDA approved. This is not sufficient verification for medical injectables. Due to the lack of documentation, I have legitimate concerns that the products used may not have been authentic or as advertised. Wells Fargo denied my dispute without requiring the merchant to provide verifiable proof of the products administered. This is not simply a dissatisfaction claimthis is a matter of misrepresentation and potential health risk. I am requesting a full re-investigation of this disput

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 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing a complaint regarding the permanent closure of my Cash App account without any clear explanation or transparency. My account was closed after an appeal process that lasted over 20 days. During this time, I repeatedly requested a specific explanation for the alleged Terms of Service violation, but Cash App has refused to provide any details, including the type of activity, dates, or transactions in question. All activity on my account was legitimate and can be fully accounted for. I used my account for normal peer-to-peer transactions and for work-related purposes, including covering hotel accommodations for homeless individuals with reimbursement from my employer. Despite this, Cash App permanently deactivated my account and closed my complaint without ever providing a clear reason. Their responses have been generic, dismissive, and lacking transparency. It is unreasonable for a financial service to take such action without providing any explanation or opportunity for the customer to respond to specific allegations. I am requesting : - A clear and specific explanation of the alleged violation - The date ( s ) and type of transaction ( s ) involved - Any documentation or evidence used to make this determination If Cash App is unable or unwilling to provide this information, I request that this lack of transparency be formally addressed. This situation has caused unnecessary stress and inconvenience, and I am seeking accountability and proper resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: AL

Complaint narrative:
I was awarded VA XXXX and XXXX XXXX on XX/XX/XXXX. Based on this determination, my federal student loans qualified for Total and Permanent XXXX ( XXXX ) discharge. My federal student loans were approved for XXXX discharge on XX/XX/XXXX. However, my loan servicer, MOHELA, failed to process the discharge correctly. Instead of closing the loans as discharged, the account was placed into forbearance in XX/XX/XXXX. Because the discharge was not properly applied, my account status and credit reporting became inaccurate. When I contacted MOHELA about the issue, I was advised to submit a new discharge application. I followed that guidance, but the application was denied because the system already shows the XX/XX/XXXX discharge approval. This appears to be a servicing or processing error where the previously approved discharge was not applied to my account. As a result, my loan status remains incorrect and has negatively affected my credit reporting. I am requesting that MOHELA correct the account status, properly apply the approved XXXX and XXXX XXXXXXXX discharge from XX/XX/XXXX, and update all credit bureau reporting to reflect the correct discharged status.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year> a transaction in the amount of XXXX at a XXXX clinic in Iowa. It posted to my checking account on XX/XX/year>. On XX/XX/year> I went online to file a fraud claim as I have never been to Iowa and still have possession on the physical card. On XX/XX/year> XXXX XXXX card services sent a letter to me which arrived in my mail on XX/XX/year>, stating they have determined not to provide any credit to my account for this transaction. Stating their review found that the transaction appears to have been authorized. On XX/XX/year> around XXXX I went to the XXXX XXXX on us 19 in new XXXX XXXX and spoke with a representative there who tried to reopen the fraud claim for me. She was messaging card services on her computer and they refused to reopen the claim because they said the chip was read and I still have possession of the card and that the parent company processing the transaction could be different from where the card was used. I asked if they could give me a location in Florida that this card was supposedly used and they said they can not. I showed evidence that I was in Florida on XX/XX/year> and it would have been impossible for me to use my card in Iowa. This didnt matter to them at all. On XX/XX/year> at XXXX I called the veterinary clinic that was stated on my transaction and the vet said they have no offices in Florida and she would search through their card transactions for that day and amount and call me back. At XXXX XXXX called and said she found no transaction on the day for that amount. So this proves there is no way a physical card was used at this veterinary clinic. There are still ways of fraud through a cloned card or a shimmer which steals the data from the chip to make a fraudulent card to use in physical stores but XXXX XXXX says it is impossible and are refusing to refund the money.

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