vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am filing a complaint regarding Santander XXXX USAs failure to properly release a satisfied vehicle lien in the State of Florida. The vehicle was previously repossessed but later repurchased by me. The loan was subsequently paid in full in XX/XX/year>. Santander sent me written confirmation that the lien was released and that the account was satisfied. However, the lien remains active in Floridas electronic title system maintained by the Florida Department of Highway Safety and Motor Vehicles ( DHSMV ). As a result, the DMV continues to show Santander as lienholder, and I am unable to obtain clear title or transfer the vehicle to a buyer. I have contacted Santanders XXXX department multiple times. Each time I am told to call back in XXXX business days, but no action has been taken and the lien remains active in the state system. This has been ongoing despite repeated assurances that the lien has been released. This failure to properly release the lien is preventing the lawful sale of my vehicle and is causing financial harm and unnecessary delay. I have a buyer who has been waiting for almost a month and is going to walk away. I am requesting that Santander immediately : Electronically release the lien in Floridas XXXX XXXX. Confirm in writing that the lien has been properly transmitted to XXXX. Provide confirmation that the title is clear and transferable. This matter requires immediate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SLM CORPORATION
State: MI

Complaint narrative:
XX/XX/year> - {$25.00} via phone and bank account XX/XX/year> - {$25.00} via phone and debit card Company remains unwilling to update their payment portal to include debit and credit card payments that can be fully completed by the client, within their user login, thus slowing both the client and company 's time and efforts to collect client payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: AL

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Validation of Debt Request - XXXX - XXXX 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 non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Validation of Debt Request - I.C. SYSTEM INC - XXXX 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 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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
Validation of Debt Request - CBE GROUP/CHARTER COMMUNICATIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
I am fine complaint against cash app { block , inc } due to inadequate customer service and unfair practices which violates the consumer financial protection act specifically, cash app fail to take timely and effective measures to prevent an address fraud on their platform leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. these actions have caused significant inconvenience and financial laws, and I seek appropriate red dress for these violation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have never been contacted by XXXX for this debt, I'm not sure where it came from. I had XXXX phone line with XXXX and didn't have any payments on devices. I'm not sure how I owe {$990.00} with XXXX. When i transferred my # to XXXXXXXX XXXX XXXX my account should have automatically been closed since there was no active line on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within XXXX days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( XXXX ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 2026-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Certified Letter sent to debt collector on XX/XX/XXXX for debt validation and contractual agreement. Debt collector sent billing statements and no signed contractual agreement. Sent another certified letter on XX/XX/XXXX, debt collector sent same thing, billing statements but no signed contractual agreement. Sent XXXX certified letter on XX/XX/XXXX. So far no response as of the date of this complaint filing. This company is reporting on XXXX different accounts. Same result on all accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
I am submitting this complaint regarding National Credit Systems for reporting an alleged XXXX debt in the amount of {$10000.00} on my credit report. This account is being reported without sufficient validation or documentation being provided to me. I have not received a complete accounting showing how this balance was calculated, including an itemized breakdown of charges, proof of damages, proof of lease liability, or documentation showing that the property made reasonable efforts to re-rent the unit. I am requesting proper validation of this alleged debt, including : A copy of the original signed lease agreement A full itemized ledger showing how the {$10000.00} balance was calculated Documentation of any fees, damages, or remaining rent charged Proof that National Credit Systems has legal authorization to collect this debt Proof that the amount being reported is accurate and not inflated Until proper validation is provided, I believe this account is being inaccurately reported and is negatively impacting my credit profile. I am requesting that National Credit Systems either provide full documentation supporting this debt or remove the account from my credit report. I am seeking a fair and accurate resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
After the sale of my house, a wire transfer for the proceeds was initiated on XX/XX/year> in the amount of {$190000.00} from XXXX XXXX to my Chase Bank checking account. The funds never made it, and inspecting the receipt of transfer from XXXX showed an error of XXXX digit in the checking account number. The XXXX XXXX from Chase assured me that since the name and account number did not match, the funds would be returned to XXXX. On XX/XX/year>, I had the sender submit a wire recall/amendment to Chase. XXXX reached out XXXX times through the XXXX XXXX XXXX XXXX channel over the next XXXX days and never got a response from Chase. I called every day for XXXX weeks and eventually they found the transfer through the XXXX number, but would not give any detailswithout filing a police report sine the details were between the XXXX banks. As of today XX/XX/year>, XXXX has said they are still investigating. If Chase didi erroneously transfer to the wrong account without matching the name, it seems a breach of XXXX. Regardless of what Chase did with the funds, I want Chase to either return the wire transfer to XXXX, or credit my account. It has been XXXX weeks of inaction and stalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Validation of Debt Request - I C SYSTEM/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2026-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: FL

Complaint narrative:
I reached out stating " To whom it may concern, I am writing to formally request forbearance on my current student loans. Due to economic hardship caused from the government shutdown recently, bills have become overwhelming and my situation has become unpredictable while trying to recover. I am currently unable to maintain the existing payment schedule and can not meet the demand. Thank you '' They responded by saying they would review the matter but I never got a repsonse or a review after that

Company response to consumer: Untimely response
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial losses and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: OK

Complaint narrative:
On XX/XX/scrub>XXXX I disputed a {$1000.00} debit card transaction on my SoFi checking account. SoFis own real-time authorization alert showed approval for {$1.00}, not {$1000.00}. At no point did SoFi present or notify me of a {$1000.00} authorization request. I did not authorize a {$1000.00} charge. I submitted a Statement of Facts and supporting documentation to SoFi, including SoFis {$1.00} authorization alert and the merchants written admission that I was targeted by a scam. The transaction occurred through deceptive inducement involving a {$1.00} trial representation that resulted in a {$1000.00} capture. SoFi denied the dispute and later provided investigation materials ; however, those materials relied solely on the merchants representment and did not reference or analyze any of the evidence I submitted. The merchants representment addressed duplicate processing and delivery of cryptocurrency. I did not dispute duplicate processing or delivery. My dispute concerns an incorrect amount and lack of authorization for the {$1000.00} charge, as well as fraud through deceptive inducement. After I appealed and requested that SoFi reconcile its own {$1.00} authorization alert with the {$1000.00} capture, SoFi confirmed the dispute was reopened. Approximately two hours later, SoFi issued another final determination closing the dispute again without addressing my evidence, correcting the dispute reason, or identifying where and how the {$1000.00} amount was disclosed to me and affirmatively authorized. SoFi failed to conduct a reasonable investigation and failed to consider consumer-provided evidence for an unauthorized and incorrect debit card transaction. I have included the Statement of Facts and wert email and this information was given to SoFi more than 3 times overall plus have included the information they gave me that showed they disregard my evidence and used only the merchant 's information and it also shows SoFi miscoded the dispute as a duplicate charge when they were well aware it was not a duplicate charge I was disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CT

Complaint narrative:
I totaled my car on XX/XX/year>. My insurance ( XXXX ) has been trying to pay out the loan and Westlake financial only sends AI responses. I tried to email the finance department requesting they release the letter of guarantee to my insurance and they have not responded. Then someone called me saying Im past due and when I request letter of guarantee they hung up in my face. I called back and the women said she would transfer me to a supervisor after waiting on hold she said one is not available then she would transfer me to finance which again no one is available so the women then said she will send the letter of guarantee, at the time of call I didnt have the mileage on date of loss so she said she couldnt do it so I called the insurance adjuster and got the information I needed. I then called back and the guy told me he cant do that cause hes in collections I told him the women I just spoke to was in collections and about to do it and he said no they dont. Then I again requested a supervisor which I have been on hold for as I type this and he said one isnt available I told him I will keep waiting and Im still on hold not getting any support as they keep charging me interest on a loan that my insurance is trying to pay. I need help please. This is ridiculous.

Company response to consumer: Closed with explanation