vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Robinson Economic Development Corporation
State: IN

Complaint narrative:
Clearairlending.com is currently offering and funding loans to residents of the State of Indiana without holding a valid Indiana Small Loans License. Under Indiana law, entities that engage in the business of making small loans to Indiana residents are required to be licensed by the Indiana Department of Financial Institutions. Based on available information, this lender does not appear to hold the required license but is nevertheless marketing and originating loans to consumers located in Indiana.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
OpenBank by Santander is the worst customer service ever. Takes forever to speak to a representative and then can only withdrawl {$50000.00} a day which takes " XXXX '' business days after they process it which becomes XXXX days. They will not wire any money out which is just unreal!!! How can you call yourself a bank and not wire money out. How are they allowed to be FDIC insured as a bank is mind blowing. STAY AWAY!!!!

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 2026-03-09 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: DE

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was trying to access my US Bank debit card and was unable to use it or withdraw cash on XX/XX/year>. I called customer service and was told that my account was being closed. I was forwarded to the XXXX team and stated a hold is on my account as my account is being reviewed. This occurred after I received my bonus of {$10000.00}. I am an employee of US Bank, so if this is the reason my account is being reviewed is absurd.

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 2026-03-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EdFinancial Services
State: WV

Complaint narrative:
The loan for ed financial was fraudulently created because of identity theft this is not my loan I am not going to college I don't want to go to college why would I get a student loan so the police department in my in our state does not do identity theft reports The company says that that's the only way to for them to discharge the loan as being fraudulent since we can not provide this information they just keep sending us letters and telling us when payments are due we're not paying It's not his loan

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I am filing this complaint regarding an account being reported by American Honda Finance Corporation on my credit reports. The account is currently being reported as a charged-off account, and I have serious concerns about the accuracy and verification of the information being furnished. There appear to be inconsistencies in the information being reported across credit reporting agencies. For example, the high credit amount being reported differs between bureaus, while the current balance being reported exceeds the high credit amount listed on XXXX report. This raises concerns about the accuracy and reliability of the data being furnished. Additionally, the account lists a Date of First Major Delinquency of XX/XX/2026 while the account shows activity and delinquency history prior to that time. This discrepancy raises concerns that the delinquency timeline may not be reported accurately. Under the Fair Credit Reporting Act, companies that furnish information to credit reporting agencies are required to ensure the information they report is accurate and fully verifiable. At this time, I have not received sufficient documentation verifying the balance, payment history, and delinquency timeline associated with this account. This reporting has caused financial hardship and has negatively impacted my ability to obtain fair credit opportunities. I respectfully request that American Honda Finance Corporation conduct a thorough investigation and either provide complete documentation validating the accuracy of the account and all reported information or remove the account from my credit reports if the information can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
I couldnt get my money since XX/XX/year> and company always lie to answer me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, a {$400.00} withdrawal transaction with the name of " XXXX XXXX '' was posted to my checking account with SoFi Bank, which I did not initiate or authorize in any way. I called the bank and filed a dispute of the transaction. They informed me that the transaction was a " pay a friend '' transaction. I informed the agent that I do not know the person and that I did not initiate or authorize such a transaction. They proceeded to tell me that this type of transaction takes place by logging into the account to send money from XXXX account to another. I informed the agent once again that I did not initiate the transaction and do not know who the person is to whom the funds were sent. After I filed the dispute, I changed my password for my account. On XX/XX/XXXX, they sent me an email stating the claim is being closed as they did not find any errors, and my funds will not be returned to me. I then requested to have the documents provided to me in which they used to make the denial determination. On XX/XX/XXXX, they sent me a document that stated " XXXX remained consistent & XXXX to member during disputed transactions ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: OH

Complaint narrative:
I got XXXX notices from Credit Control that I owe XXXX 2019 debts of {$620.00}. Account XXXX, XXXX {$610.00}. I have no idea why XXXX sent these to this company after I disputed from XXXX. These are from XXXX and I'm not paying them from some mystery company that out of nowhere demands money out of me. I'm once again disputing them.XXXX I received these in the mail today. 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 2026-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
Goodleap using deceptive practices to sell XXXX and XXXX XXXX using deceptive practices.also credit report identity theft. The XXXX credit bureau XXXX XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
This complaint is regarding the {$150.00} annual fee on my XXXX XXXX XXXX American Express Card. American Express charged the {$150.00} annual fee to my account on XX/XX/year> for the upcoming membership year. The fee was automatically paid through my bill pay on XX/XX/year>. On XX/XX/year> I called American Express to cancel the card was routed to their automated system. I listened to all the disclosures and the annual fee was not addressed in any way. I proceeded through the automated system to close the account. I then requested to speak with Amex staff to get a refund of the annual fee. I spoke with them for over 1 hour- with a customer service representative, a supervisor, and a manager. Reimbursement was repeatedly denied. I then requested reinstatement of the card so I could use the membership year I had just paid for. That was also denied. American Express stated that their policy only allows membership fee refunds within 30 days of the original fee posting ( that would have been XX/XX/XXXX... I called on XX/XX/XXXX ). This 30 day policy was not listed on my Amex bill ; there was nothing about the membership fee particulars on the bill statement only the charge. Amex further said that they can not reinstate the closed account once it is canceled unless there was an agent error. As a result, I have paid {$150.00} for a membership year that I am unable to use because the account was immediately closed. This sounds to me like theft or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Dear XXXX XXXX I hope this message finds you well. I am writing to request your consideration for a goodwill adjustment regarding a late payment reported on my account, for the months of XXXX to XXXX I sincerely regret the late payment and want to assure you that it was an isolated incident. I have been a loyal customer since XXXX, and I have consistently made timely payments before and after this occurrence. Unfortunately, unexpected financial hardship and medical emergency led to the delay. Because this late payment does not reflect my usual credit behavior, I respectfully request that you remove the negative mark from my credit report as a gesture of goodwill. Doing so would greatly assist me in maintaining a strong credit profile, which I value deeply. I understand that this request is at your discretion, and I genuinely appreciate your time and consideration. Thank you for reviewing my account history, and I hope we can resolve this matter positively. Sincerely, 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 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: LA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Alabama Housing Finance Authority
State: MS

Complaint narrative:
My mortgage requires an escrow account for insurance and taxes, and I am not permitted to pay these obligations myself. I have consistently made my mortgage payments, including the escrow portion intended to cover these expenses. The mortgage servicer failed to pay my flood insurance premium on time despite having sufficient funds in the escrow account. As a result, my flood insurance policy was cancelled for late payment. Because the policy was cancelled, I must now obtain a new flood insurance policy at a substantially higher premium and there will be a coverage gap due to the waiting period required by the XXXX XXXX XXXX XXXX. In addition, the cancellation caused the permanent loss of our capped XXXX premium status. Our previous premium was protected by the annual increase cap that applied as long as the policy remained continuously in force. Because the policy lapsed due to the servicers late escrow payment, we have lost that protection and now face significantly higher flood insurance premiums going forward. This situation occurred through no fault of our own. The servicer required escrow for insurance payments and had both the responsibility and the funds necessary to make the payment on time. We are requesting that the servicer investigate this error and make us whole for the increased flood insurance costs caused by the cancellation of the policy, as well as any damages resulting from the coverage lapse created by the late escrow disbursement.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
CAPITAL ONE NEEDS TO RESPOND IN WRITING SO THEY DO NOT LIE. They have been sent dispute documentation along with pictures of XXXX 's website for dispute where XXXX lied and sent me the wrong item and then charged me a restocking fee for the wrong item they sent. They also were sent AGAIN documentation of what was ordered since they are lying about documents being sent in bulk. THESE DOCUMENTS WERE SENT THIS MONTH IN XXXX LAST WEEK. They constantly lie so I will need confirmation in writing that they received the email if they do lie I will just upload the email I sent and watch them come up with an excuse. " I am submitting this formal rebuttal to the response provided by Capital One to the Consumer Financial Protection Bureau regarding claim # XXXX. Capital Ones statement that it did not receive sufficient documentation is false. I submitted detailed documentation over one month prior to their response. The materials included transaction-specific information, item descriptions, expected delivery dates, and supporting correspondence. The documentation was not bulk or generalized it directly corresponded to each disputed transaction. Capital Ones representation to the CFPB that proper procedures were followed is inaccurate. At no time prior to denial did they notify me that documentation was missing or insufficient. Instead, the claim was denied and only afterward did they assert lack of documentation as justification. This conduct reflects bad faith handling of a consumer dispute. Furthermore, Capital One has now been asked not only by the CFPB but also by the Office of the Comptroller of the Currency to provide the documentation they claim is lacking and to substantiate their investigation. To date, they have failed to produce clear evidence supporting their denial while continuing to maintain that all processes were followed. The pattern of behavior demonstrates : -Failure to conduct a reasonable investigation -Mischaracterization of the nature of my dispute ( which concerns non-receipt of goods, not authorization of the transaction ) -Post hoc justification of denial rather than a documented, good-faith review -Failure to respond substantively to regulatory inquiries -Representing to federal regulators that documentation was not received, when it was in fact submitted, constitutes a serious misstatement. A financial institution has an obligation to fairly and thoroughly investigate billing disputes, not dismiss them without meaningful review. I request regulatory review of Capital Ones handling of this matter and whether its representations to federal agencies were made in good faith as they have not been and I have been given wrong information on purpose. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: PNC Bank N.A.
State: PA

Complaint narrative:
My bank pnc denied my dispute because it was past the XXXX day mark. However the charge was for a future serve never received. Company closed. The payment made on XX/XX/XXXX was a deposit for wedding photography services scheduled for XX/XX/XXXX with a business operating under the name XXXX XXXX XXXX. At the time the payment was made, there was no error and no reason to dispute the transaction. The issue arose later when the merchant ceased operations, shut down its website, stopped responding to clients, and the principals associated with the business filed XXXX XXXX bankruptcy in the United States Bankruptcy Court for the XXXX XXXX XXXX XXXX Because the services were contracted for a future date, the breach and resulting error could not reasonably have been identified within XXXX days of the statement on which the transaction appeared. The merchant is now insolvent and incapable of providing the contracted services, making this a services-not-rendered dispute rather than a transaction posting error. Your prior determination dated XX/XX/XXXX cited Untimely Notification. However, applying the XXXX statement notification rule to a future-dated service contract where the breach occurred months later does not account for the fact that the issue arose only after the merchant ceased operations and became unable to perform the contract. The bankruptcy filing on XX/XX/XXXX, months before the scheduled service date, further confirms that the merchant can not fulfill the agreement and that the services paid for will never be rendered. Accordingly, I respectfully requested that PNC : XXXX. Reopen and conduct a new investigation into this dispute based on the merchants failure to provide contracted services. XXXX. Reevaluate the claim under the appropriate category of services not rendered / merchant breach. XXXX. Provide all documentation relied upon in reaching the prior determination, including any merchant response, evidence reviewed, and internal investigative notes. Relevant facts : Payment Date : XX/XX/XXXX Amount : {$3200.00} Merchant : XXXX XXXX XXXX Contracted Service Date : XX/XX/XXXX Merchant Status : Business ceased operations ; principals filed XXXX XXXX bankruptcy Result : Contracted services can not and will not be provided Because the merchant is unable to perform the contracted services, the funds were paid for services that will never be rendered. PNC is not being helpful. I suspect they arent even truly investigating it. Just hitting it with a rubber stamp because it was just beyond XXXX days. No doubt the person who took my money waited for the XXXX days to pass.

Company response to consumer: Closed with explanation