vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PLANET HOME LENDING, LLC
State: MS

Complaint narrative:
Started on XX/XX/XXXX got email stating XXXX, Please call Planet Home Lending toll-free at XXXX between XXXX XXXX XXXX XXXX XXXX., Monday through Friday, all times are XXXX. 

We look forward to speaking with you as soon as possible to assist you in any way we can. 


Thank you, Your Planet Home Lending Team XXXX XXXX XXXXXXXX Please be advised that Planet Home Lending , LLC is a debt collector attempting to collect a debt and any information obtained will be used for that purpose. Got three calls that day also from them attempting to collect the debt. I gave bankruptcy case number they said i was still liable for the debt and they would keep calling till I either paid or its foreclosed on. I have received the emails on XX/XX/XXXX, XX/XX/XXXX, XXXX. And i get called atleast two to three times a day on a good day.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Im a single parent and my child has special needs. I explained to Hyundai when I signed the paperwork that I really wasnt ready to purchase a car. They promise me a payment plan if I was to ever fall on hard times. I went through a job change. During the holidays I fell into debt. I keep communicating with Hyundai. They repossessed my car cause I was behind two months. The security guard was abusing his authority and the managers lied to me about getting my personal belongings out my car. I called the police because I felt discriminated because who gives consumers a hard time and make them wait, and then pick arguments and then tell you you cant come in because they gave you the run around and not being sympathetic to the public time. I have things to do myself.

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 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Ive been a PayPal user for over 21 years, and today, XX/XX/year>, my account was permanently closed due to suspicious activity. 

This is absolutely unacceptable, I have not violated any law or PayPal policy. I am a small business owner who does consulting around the world. This action has completely restricted my ability to conduct business. 

The company has denied any opportunity for my to prove I have not done anything wrong nor have they provided any proof of wrong doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: NJ

Complaint narrative:
In XX/XX/year>, a Sallie Mae agent informed me that if I could not afford my student loan payments, it would not negatively affect my credit or be reported until XX/XX/year>, with a few days of grace making it effectively XX/XX/year>. I relied on this information in good faith. 

In reality, the payment was due XX/XX/year>, and Sallie Mae reported the missed payment on XX/XX/year>, significantly harming both my credit and my co-signers credit. As a result, my co-signers credit line was reduced, we were denied multiple credit cards, and we experienced severe financial hardship. 

When I realized the issue, I made a payment on XX/XX/year>, and spent over XXXX hours on the phone with a supervisor, who acknowledged that the agent gave me incorrect information but advised me to dispute the reporting. I filed XXXX disputes, both of which were denied. The negative reporting remains on both my and my co-signers credit reports. 

This situation was caused by misinformation and negligence from Sallie Maes agent and supervisor. It has caused financial harm, reduced credit availability, emotional distress and strain on co signers and my relationship due to this event.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: DC

Complaint narrative:
Cash app suspended my card and my funds were taking out of my account and they say I have put over {$350000.00} and {$270000.00} in the past XXXX months in and out of my savings, m gas is off it would be on if I had that kind of money and I'm,XXXX years old and I'm XXXX so need my card to take care of my bills and to find out who took my money from my savings account and why is they trying to get me to send them a picture of my id cash app never asked for my can you help me clear this matter up please

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: NV

Complaint narrative:
I am writing to formally request that you cease all communication This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which provides me with the right to request that you stop contacting me. Please be advised that I am aware of my rights under the FDCPA, and I expect you to comply with this request immediately. Any further contact from your agency, except as allowed under the FDCPA to inform me of specific actions being taken, will be considered harassment and a violation of federal law. I also request that you provide any written documentation regarding the alleged debt you are attempting to collect. While I understand my responsibilities, I will not tolerate any form of harassment or unethical practices in your collection efforts. Please confirm in writing that you have received this letter and will comply with my request. Failure to do so will result in me filing a complaint with the Federal Trade Commission and the state attorney generals office. Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TX

Complaint narrative:
Look I already tried but all they saying is that I violated the terms and conditions but won't explain what exact terms and conditions. I called and emailed them a few times before I contact y'all. Look y'all need to look into them because they are closing people 's account and keeping their money. I also asked them if I can't use them for them to permanently remove my information from their platform. But they won't.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I keep on getting on false that I get loans open banks and my information has been exposed I only have XXXX bank

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 2026-01-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
I am filing this complaint regarding Eastern Account System because XXXX collection accounts appeared on my credit report that I was not aware of and never authorized. 

This is the first time I have ever contacted Eastern Account System. Before discovering these accounts on my credit report, I never received any bills, notices, letters, phone calls, or validation regarding these alleged debts. I was surprised to see them reported as collections without any prior notice. 

I did not open these accounts, did not agree to any services or equipment, and did not receive any required notice before the accounts were reported. Because I was never notified, I had no opportunity to dispute or request validation before the reporting occurred. 

Under FDCPA 1692g ( a ), a debt collector is required to send a written notice containing the amount of the debt and the consumers right to dispute and request validation. I never received this notice. This CFPB complaint serves as my first formal request for debt validation.

Once a debt is disputed, FDCPA 1692g ( b ) prohibits a collector from continuing collection activity unless and until the debt is properly validated. Credit reporting is considered collection activity. Reporting or continuing to report these accounts without providing validation violates this section. 

Simply providing a billing statement or invoice does not establish that I authorized the debt or that it is accurate. A bill alone does not satisfy validation requirements under the FDCPA because it does not prove ownership, authorization, or that the correct consumer is being reported. 

Eastern Account System is also furnishing this information to credit bureaus. Under FCRA 1681e ( b ), furnishers must follow reasonable procedures to ensure maximum possible accuracy. Reporting accounts without proof that I authorized them is not accurate.

In addition, once a dispute is raised, FCRA 1681s-2 ( b ) requires a furnisher to conduct a reasonable investigation and verify the accuracy of the information. Continuing to report these accounts without evidence of authorization or notice fails this requirement.

This conduct also appears to violate Ala. Code 8-19-5, which prohibits deceptive or misleading practices in consumer transactions, including misrepresenting an obligation that the consumer did not authorize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I'm currently in the XXXX. I have a Capitol One Bank account and debit card. I've never had an issue getting money from an Atm in the XXXX until Capitol One bought XXXX XXXX. Capitol One switched everyone 's debit card to a XXXX debit card. It doesn't work at any bank Atm in the XXXX. Even the ones that display the XXXX logo don't work either. It says unable to complete transactions at this time. I called Capitol One and spoke to a manager. They sent me a link to find Atms that are supposed to work. None of them work. I tried 15-20 different bank Atms with no money being issue to me. I now have to fly the United States from the XXXX to get money out of my account and then fly back to the XXXX. It's 24 hours each way Round-trip. Capitol One needs to be fined heavily and Im sure a class action lawsuit is on its way. The manager i spoke to said lots of customers are experiencing the same problem worldwide. Im closing my account and opening a new account with another bank. The person who made the decision to switch everyone to XXXX XXXX Atm debit needs to be fired!! They created problems for everyone with that bad decision to put everyone on XXXX debit card that doesn't work Internationally.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
Company : Chime Bank Date : XX/XX/year> Amount : {$300.00} On XX/XX/year> at around XXXX, I received a notification on my phone from the Chime Banking app that showed a purchase of {$300.00} was successfully charged. However, I did not make this transaction. I called Chime bank to inform them that I did not make the transaction. Chime advised that they couldn't stop the payment and suggested that I attempt to have the merchant to do so. I did attempt to have the merchant stop the payment but they were unable to as well. I called Chime to inform them that the merchant could not stop they payment ; Chime advised that I would need to wait for the payment to fully clear ( it was pending at the time ) and then file a dispute ; I did so. 
I opened a dispute, with Chime and showed evidence of the fraudulent activity that surrounded the transaction. Chime completed a very quick investigation and closed the dispute with a determination that it was not an unauthorized charge. I called the fraud department to get an understanding of how this decision was made. The customer service rep only provided general information and advised me to wait for an email that would provide detail. I submitted a rebuttal twice to provide more information wh8le I waited for the email. The rebuttal requests were reviewed very quickly and were also denied. 
A few days later, I received the email from the fraud support team about the determination/determining factors. The email included vague information and ambiguous language. The letter describes the general protocol that is used to complete an investigation, but it fails to inform me exactly what information was used, specifically, in this particular case. The attachments that are were included with the email were simply my bank statement ( s ), and the evidence documents provided by me ; These items don't suffice as evidence that a fair and complete investigation was conducted by the bank as promised to the customer. I believe that the bank 's primary priority is to mitigate their own loss. They should be accountable for providing a fair banking experience to the customers. I do not believe that a fair or thorough investigation was completed to return the funds I lost from the unauthorized charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
You can paste this in the Describe what happened box ( no personal info included ) : In XX/XX/year> I went to a dealership to finance a vehicle through Santander. The dealer generated a retail installment contract dated XX/XX/year> even though the loan was not yet finalized or funded and the dealership was still asking me for income documents into XXXX. Santander then treated that contract date as if the loan was already active and started aging delinquency from a first payment due around XX/XX/year>. 

In mid-XXXX  I went through serious illness and housing hardship and was briefly out of the country, but I stayed in communication with Santander and, when my health allowed, I began making payments in the fall ( for example, a payment of about {$450.00} on XX/XX/year> ). I spoke to multiple representatives and supervisors who told me my account was being notated and that, as long as I continued to show good faith and make payments, repossession should not be an issue. I was also told that some of the scary repo notices were auto-generated and that I did not need to panic. 

Despite those assurances, the vehicle was repossessed around XXXX XXXX. Only after the repossession did a higher-level representative tell me that if I had made a payment in the {$450.00} range earlier, it could have shaved off delinquency days and helped avoid repo. That option was never clearly explained to me in advance, even though I was already paying in that range. I immediately paid what was required to recover the vehicle, brought the account current within a few days, and have remained current since then. 

I later sent a detailed written request asking Santander to review the delinquency dating, internal coding, and how the repo was handled in light of my hardship, communication, and payment history. The company responded that its reporting is accurate and refused to make any changes, even though their internal treatment of the account ( including a prior-repo/high-risk flag ) is now blocking me from obtaining needed transportation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I apply for capital one credit card platinum and which approved and the card is with me and XX/XX/XXXX which i called for card activation and they send me link verification which i upload my identity card over month have been calling and re upload several times they aren't doing anything to remove the restriction so I can be using my card. I'm tired calling everyday they told me i should re upload which have done several times..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I am disputing a remaining overdraft fee assessed by Wells Fargo. One of the two overdraft fees has already been reversed ; however, the second fee remains unresolved. 

I contacted customer service and escalated the matter to a Level 2 representative ( identified as XXXX XXXX. The call became unproductive due to repeated interruptions and refusal to engage in a substantive review of the remaining charge. 

I have been a long-time Wells Fargo customer and have consistently managed my account in good faith. I have never requested overdraft coverage and previously instructed Wells Fargo to decline transactions that exceed my available balance. Despite this, overdraft fees continue to be assessed. 

The disputed overdraft occurred when funds were deposited in close proximity to Wells Fargos stated cutoff time. The deposit was made in good faith during an emergency involving my spouses unexpected XXXX. No reasonable review or discretionary consideration was offered despite the circumstances. 

I am a XXXX XXXX, and repeated overdraft fees create financial hardship. The continued assessment of overdraft fees under these conditions reflects a pattern of rigid application of overdraft policies that appears inconsistent with good-faith customer service and informed consent. 

I am requesting reimbursement of the remaining overdraft fee, confirmation that all overdraft protection has been fully disabled on my account, and written clarification of how this charge complies with Wells Fargos published policies and applicable consumer protection standards.

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 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report regarding my Midland Credit Management account ( Account Number : XXXX ). I am unaware of this debt and did not receive proper notice to dispute or validate this account. 

If you claim that proper notification was sent, please provide documentation of Certified Mail with my signature as proof of delivery. If you can not provide this, I request that the account be removed from my credit report immediately. Failure to do so may result in legal action to enforce my rights under the Fair Credit Reporting Act ( FCRA ). 

Please respond promptly with confirmation of your reinvestigation and the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account originated in XXXX. Equifax is reporting a Date of First Delinquency of XX/XX/XXXX, which is inaccurate and constitutes illegal re-aging under the Fair Credit Reporting Act. The delinquency did not first occur in XXXX. Reporting a later DOFD improperly resets the 7-year reporting period. I am requesting correction of the DOFD to the original delinquency date or deletion of the tradeline if accurate records can not be certified. XXXX  is reporting the account differently, indicating inconsistency and inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am disputing an ACH debit made by XXXX XXXX from my business checking account. XXXX XXXX attempted to withdraw {$400.00} from my account. This amount was not authorized. 

Any agreement I had with XXXX XXXX  was for a charge of {$190.00} only. I did not authorize a {$400.00} withdrawal, nor did I authorize XXXX XXXX  to debit my account for any amount beyond {$190.00}. 

I reported this transaction to Wells Fargo as an unauthorized ACH debit for the incorrect amount. Wells Fargo has repeatedly refused to properly accept and investigate my fraud claim. The claim has been rejected or closed multiple times without written explanation or proof of authorization. 

While this transaction was disputed, Wells Fargo allowed my business account to become negative and sent the account to collections, causing financial harm to my business. 

I am requesting that Wells Fargo conduct a proper investigation, provide written findings, reverse the unauthorized {$400.00} debit ( or the unauthorized portion ), refund all related fees, stop collections activity, and correct my account records.

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 2026-01-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: SC

Complaint narrative:
I had uploaded {$200.00} on my card. The card wouldnt work. I called customer service and they told me I was blocked. I asked why. I got no answers. They told me I would need to show verification of who I am. They said I had to show my dl, my social security card and my birth certificate. I did. They still to this day never gave me my {$200.00} back I had put on the card.

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