vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX I am filing a complaint regarding a collection account that is appearing on my credit report. I discovered a collection account listed on my credit report and contacted the collection company to obtain information about the debt. However, when I spoke with the company, its representatives stated that they could not locate any account, records, or information associated with me. Despite the company 's inability to identify or verify an account in my name, the collection continues to be reported on my credit report. This has negatively affected my credit profile and raises concerns about the accuracy of the information being reported. I am requesting that this matter be investigated. If the collection agency can not provide documentation proving that the debt belongs to me and that it has the legal authority to report the account, I request that the collection account be removed from my credit report immediately. I am also requesting that the credit reporting agencies and the collection company provide all records, contracts, account statements, and documentation used to support the reporting of this debt. Thank you for your attention to this matter. I look forward to a prompt investigation and resolution. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Reliant Capital Solutions, LLC
State: GA

Complaint narrative:
RE : Notice of Dispute and Demand for Written Communication Only To Whom It May Concern : I am in receipt of your communication regarding an alleged account. I dispute this alleged debt in its entirety and do not admit liability for any amount claimed. Pursuant to the Fair Debt Collection Practices Act, including 15 U.S.C. 1692c and 1692g, I request that all future communications be conducted in writing and mailed to my address of record. I revoke any consent that may be claimed for telephone calls, text messages, prerecorded messages, or other electronic communications. Before any further collection activity, please provide : 1. The name of the original creditor ; 2. The amount allegedly owed ; 3. The date of default ; 4. Documentation supporting your authority to collect ; 5. Documentation sufficient to identify the account being referenced. Until such information is provided, this alleged account remains disputed. Furthermore, I request that your company preserve all records, communications, account notes, recordings, and documents related to this matter. All future communications must be in writing only. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Meta Payments Inc.
State: IN

Complaint narrative:
I am a content creator enrolled in Metas XXXX XXXX XXXX with a XXXX page of approximately XXXX followers. I have over {$16000.00} in earned creator revenue locked in my account that I can not access. My XXXX payouts were working normally through my bank account. After I began setting up XXXX monetization, my XXXX payout account disappeared and became unlinked from my page. My account was compromised an unauthorized person was added as XXXX XXXX to my payout account, and my XX/XX/year> payment of {$8200.00} was diverted to a XXXX account that I never set up and do not own. I contacted XXXX and they have no record of this payment under my name. I have spent over XXXX hours on phone support with Meta XXXX. Their team confirmed via screen-share that my dashboard shows full admin access but their backend system does not reflect it. They mentioned a duplicate account issue that needs resolution. Despite this confirmation, no fix has been implemented. Multiple support tickets have been opened and closed without resolution. I submitted a formal letter requesting to be added as financial admin with manual review. The XXXX buttons Meta directs me to use are completely non-functional. After repeatedly contacting support to resolve their confirmed system error, Meta banned me from contacting Meta XXXX support until XX/XX/year>, citing misuse of support services. I created a new payout account but still can not access it or verify details because the system does not recognize me as admin despite being the sole owner. I am requesting immediate return of the {$8200.00} sent to an unauthorized XXXX account, release of all frozen earnings ( approximately {$8000.00} additional ) to my verified bank account, investigation into the unauthorized XXXX XXXX that was added, and full restoration of my payout account access.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CL Holdings LLC
State: MA

Complaint narrative:
Jefferson Capital is claiming a debt that XXXX reported paid in full. The amount was over charged. Cruise cost was {$1400.00} on XXXX XXXX XXXX XXXX changed {$2600.00} Jefferson Capital LL has me in debt collection for {$2100.00} I have proof of XXXX reported the the debt is 100 % paid. Why am I still been harassed by Jefferson Capital for this debt? Even reported on my credit? I need it removed ASAP from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: MI

Complaint narrative:
In XX/XX/year>, I explored changing my homeowners insurance coverage. After the new policy caused my mortgage payment to increase by approximately {$300.00} per month, I contacted the insurance company and was informed that my original policy had never been cancelled. I was advised to cancel the new policy and was told I would receive a refund. I was further advised that I should send the refunded amount to LoanCare to prevent my mortgage payment from increasing in XX/XX/year>. When my mortgage account later began showing as past due, I contacted LoanCare. During that conversation, I was told that the insurance issue had created a discrepancy and that I would actually be receiving a refund. The LoanCare representative informed me that I could spread the past-due amount over several months rather than making a lump-sum payment. A few months later, when I called LoanCare again regarding the same issue, I spoke with a different representative who provided different information and stated that I could not spread the amount over multiple months. Since that time, I have spoken with numerous LoanCare representatives and have received inconsistent explanations and conflicting instructions regarding my account status and how to resolve the issue. I have made mortgage payments every month except during periods when I was following instructions provided by LoanCare representatives regarding this insurance-related issue. I have repeatedly contacted LoanCare in an effort to resolve the matter and understand the status of my account. Despite these efforts, my account continues to be treated as past due, and LoanCare is now reporting me as delinquent. I am requesting a complete review of my payment history, escrow history, and the insurance-related transactions that occurred beginning in XX/XX/year>. I also request that LoanCare provide a written explanation of how the alleged delinquency was calculated and correct any inaccurate credit reporting resulting from this issue. My goal is to bring this matter to a fair resolution and ensure that my credit reporting accurately reflects my payment history and account status.

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 2026-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: OR

Complaint narrative:
I am filing a complaint against Kia Finance regarding an unresolved vehicle title transfer that has been ongoing for approximately two years. I have a vehicle financed through Kia Finance that was originally titled in Georgia. After relocating to Oregon, I began the required process to transfer the title and register the vehicle in Oregon. Despite maintaining continuous, on-time monthly payments and complying with all loan obligations, Kia Finance has failed to complete or facilitate the interstate title transfer. I have contacted Kia Finance multiple times over the past two years and have repeatedly been told that a request would be submitted to their title department and that I should call back in a few days. No resolution has ever been provided, and no specific explanation has been given for the delay or failure. I have confirmed with the XXXX DMV that no title paperwork, transfer documents, or lienholder submissions have ever been received from Kia Finance for this vehicle. As a result, I have been unable to complete vehicle registration in Oregon and have exhausted all temporary operating permits available to me. I am now at risk of being unable to legally operate the vehicle despite being current on all loan payments.

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 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: ME

Complaint narrative:
On XX/XX/XXXX, I was charged for two XXXX transactions totaling {$350.00} that I did not authorize. The charges were {$190.00} at approximately XXXX XXXX and {$150.00} at approximately XXXX XXXX. These transactions were associated with XXXX trips in Florida. I have never been to Florida and did not take, request, or authorize these rides. After discovering the charges, I contacted XXXX. XXXX advised me to dispute the charges with my financial institution. I then filed disputes with Cash App regarding the unauthorized transactions. Both disputes were denied within a short period of time. I repeatedly informed Cash App that these were unauthorized transactions and requested a fraud investigation. However, I was not provided with any meaningful explanation of how the investigation was conducted, what evidence was reviewed, or why the transactions were determined to be authorized. When I contacted customer support and escalated the matter to a manager, I was told that nothing further could be done. I am requesting that these unauthorized transactions be reviewed through a proper fraud investigation and that the denial of my disputes be reconsidered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
Account Number : XXXX Complainant : XXXX XXXX I am filing a formal billing dispute against Santander XXXX USA for a direct violation of the Truth in Lending Act ( TILA ), 15 U.S.C. 1666c, regarding the prompt and accurate crediting of payments. On XX/XX/year>, I successfully submitted a payment of {$300.00}. This money cleared my bank account. However, instead of applying this {$300.00} as a credit to lower my auto loan principal balance, Santander 's system logged it on my transaction history as a hold or debit line in parentheses : " ( {$300.00} ) ''. As a result, my running balance of {$37000.00} was never reduced. Furthermore, on XX/XX/year>, a separate transaction of ( {$250.00} ) posted, bringing the balance to {$37000.00}. The mathematical difference between my XX/XX/XXXX balance ( {$37000.00} ) and my XX/XX/XXXX balance ( {$37000.00} ) is only {$160.00}, which proves that the {$300.00} payment was withheld from the principal reduction, and a partial, unexplained adjustment of {$87.00} occurred. I contacted customer service and tried fixing the problem directly with them. Instead of correcting the ledger error, they merely sent me a generic sheet explaining interest and principal, while my actual account balance completely remains the same. They did not address the missing {$300.00} application. Santander has effectively withheld my successful {$300.00} payment from my account balance for over a week, causing illegal daily interest to continue accruing on an inflated principal balance. Desired Resolution : I demand that Santander XXXX USA locate this unapplied {$300.00} payment, manually credit it to my account balance, backdate the transaction effective to the original receipt date of XX/XX/year>, and adjust/waive any interest that incorrectly accumulated due to this processing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: VT

Complaint narrative:
We leased a XXXX XXXX XXXX XXXX from them, after 13 months, we returned the vehicle the day we were supposed to. We called the dealer and dropped it off at XXXX XXXX in XXXX, VT. We confirmed with them, is there anything else we owed, and they said no. ( We made the last payment 2 months early. For the next week or two we get multiple calls from Hyundai asking if we were going to turn the vehicle in, we had to explain each time, it's already been dropped off, and it should be all set. 3-4 months go by, and we get a derogitory mark on our credit scores. Reached out to Hyundai and they say we still owe {$400.00}. We explained that everything was paid, and we confirmed with the dealer we were good to go, ( NOTE : THIS DEALER IS NOW OUT OF BUSINESS ) They claimed they had called multiple times ( untrue, not once did they call ), When we called they said we tried calling yesterday, and we checked they never tried, there wasn't even a missed call. Then they said they mailed some stuff, none of which we had received. I'm not sure exactly what happened with the dealer turn in, but purhaps that's why they are out of business now? We offered to pay the {$400.00} disposition fee, but requested any negative marks be removed from the credit reports. Summary ( TLDR ) The lease was properly returned. You were told nothing further was owed. The dealership is now closed. No bills, notices, or collection letters were ever received. Hyundai XXXX XXXX has been unable to provide proof that any notice was sent. You are requesting verification of the debt and correction or deletion of the derogatory reporting under the Fair Credit Reporting Act.

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 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
Synchrony bank said I had until XXXX, XXXX XXXX to make a purchase on my care credit card or it would be closed, they closed the account on XX/XX/XXXX, they said they cant reopen it now. They are refusing to honor their terms that said I had until XX/XX/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 2026-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MO

Complaint narrative:
MOHELA is my current student loan service provider. I had XXXX loans on file with them : a consolidated Direct Subsidized federal student loan and a consolidated Direct Unsubsidized federal student loan. I paid off my consolidated Direct Unsubsidized federal student loan. I am currently paying on my consolidated Direct Subsidized student loan. When making payments on my current subsidized loan, MOHELA is splitting my payments between both loans even though the Unsubsidized loan is paid off. Its results in less payment being made to the loan I am still paying on and the other amount is being stored as credit and not being applied to my unpaid loan. MOHELA had also charged me over {$400.00} for interest on my loans when I was in the SAVE plan and there was a federal mandate that stopped principal and interest charges as well as interest accrual. I have not defaulted on my loans and my interest was paid up at the time. I was told this issue was resolved only to find out no real inquiry into the matter was submitted. I have financial records from their own website as well as my bank that show this interest was not applied to my loans or refunded to my account. I have multiple documents proving my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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

Complaint narrative:
I have filed a dispute on XX/XX/XXXX and XXXX, XXXX with claim numbers XXXX and XXXX and I have advised of the unauthorized transactions made to the account due to unrecognized transactions as my phone have been stolen and without a thorough investigation to the merchants, they have just denied my claims and deemed authorized when they were unauthorized! I have contacted them again to re-open case and do investigation but no correspondence was ever received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I was approached by a XXXX store associate who offered me a rewards card. I was not informed that this was a credit card or that signing up would result in a hard inquiry on my credit report. I believed I was signing up for a simple rewards/loyalty program, not a credit card. Upon realizing it was a credit card, I canceled it the same day. As a result of this undisclosed hard inquiry, my credit score dropped approximately XXXX points. I am requesting that XXXX remove the hard inquiry from my credit report as I was misled at the point of sale and would not have agreed had I been properly informed that this was a credit card application.

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 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
XX/XX/XXXX my account statement was release an it said my account is closed. I didnt get prior notice and when I asked why was my account close the couldnt give me an exact reason all they kept saying was my account look fraulant but never specified what gave that off I paid my balance before the closing date which was XX/XX/XXXX this very frustrating and I didnt realized that I also over paid on my balance almost XXXX dollars but the company never took action to fix the issue all my reward I accumulated I cant recieve unless I make a new account with them instead of just refunding me back all my money this was with capital 1

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I am filing a federal consumer complaint against Rocket Mortgage regarding unfair, deceptive, and abusive practices ( UDAAP ) and severe compliance failures conducted by loan officer XXXX XXXX ( XXXX : XXXX ) during an in-house conventional refinance ( Loan ID : XXXX ) .The representative explicitly instructed me in writing to commit mortgage fraud by hiding active credit accounts on my residential mortgage application to manipulate my debt-to-income ratio. Furthermore, the representative structurally altered my loan file by sneaking an unauthorized {$7000.00} cash-out payout structure into my loan estimates without my consent, which he later admitted to doing over text when confronted.Due to extensive processing failures and corporate disorganization, Rocket Mortgage pushed multiple broken closing packages containing massive document mismatches, where the attached title/escrow instructions did not match the actual loan amount. These multi-week internal delays forced a daily interest bleed on my previous loan and caused an automated XX/XX/XXXX autopay draft of {$6600.00}, which the agent recklessly told me to ignore, creating a severe credit rating hazard.Additionally, the lender 's closing agent enforced a strict, unauthorized 30-minute time constraint to force me through the final signing execution online, preventing a proper final review of the mathematical discrepancies. When I escalated these compliance issues internally and left a public review to warn other homebuyers, Rocket Mortgage 's XXXX escalation team actively removed my public warning from the agents portal page to cover up the misconduct.I have attached complete text logs, app screenshots, and payoff quotes verifying these statements. I request a formal federal audit of Rocket Mortgage 's internal pipeline adjustments and recorded phone lines for this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: FL

Complaint narrative:
I attended the XXXX XXXX of XXXX from XXXX to XXXX, which falls within the XX/XX/XXXX XX/XX/XXXX eligibility window for the automatic {$6.00} billion Borrower Defense group discharge announced XX/XX/XXXX. My federal student loan of approximately {$45000.00} is serviced by ED Financial. Despite being eligible for automatic discharge requiring no action on my part, ED Financial drafted a monthly payment from my checking account. When I called to dispute this, the representative incorrectly told me the forgiveness was rejected by the courts, confusing the XXXX XXXX XXXX XXXX discharge with the separate Supreme Court mass cancellation ruling from XXXX. These are two completely different programs. Additionally, both ED Financial and Federal Student Aid have no record of my forgiveness approval despite my clear eligibility, indicating a systemic failure in the discharge processing and notification system. ED Financial provided false information, continued billing during an active discharge window, withdrew funds from my bank account without justification, and has failed to process an automatic discharge I am legally entitled to.

Company response to consumer: Closed with explanation