vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I have an auto loan with XXXX XXXX. My insurance company ( XXXX ) issued a claim payment of approximately {$9400.00} for hail damage. Santander has confirmed receiving and processing the check. The repair shop completed the work for approximately {$4000.00}. The rest was supposed to go towards the principal amount. Despite multiple calls and confirmations, Santander has failed to release payment to the repair shop or apply remaining funds toward my loan principal as requested. Due to Santanders failure to act, I am now being forced to pay out-of-pocket to retrieve my vehicle. Their representatives have provided inconsistent and inaccurate information regarding the status of the funds. This delay is causing financial harm. I am requesting immediate disbursement of funds, reimbursement for out-of-pocket expenses, and proper application of remaining funds to my loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint regarding an invalid credit card charge and subsequent collection activity for services that were never rendered. The charge, from XXXX, was applied to a corporate credit card issued through Citibank during my prior employment with XXXX. The reservation was canceled, and I never checked in or received any hotel services. In total, the disputed charges amount to {$370.00} corresponding to XX/XX/year> and XX/XX/year> from XXXX XXXX XXXX. I was unable to identify or dispute this charge at the time because my employment ended in XXXX, and my corporate email accountused for all billing notificationswas deactivated. As a result, I did not receive any statements or payment requests. I only became aware of the lack of payments on the card earlier this year when I was notified that the account had been closed and that payment was being pursued. Upon contacting XXXX, I was informed that although the stay did not occur, they would not correct the charge due to it falling in a prior fiscal year. This is not a valid justification for billing services that were never provided. The additional charge of {$990.00} corresponds to a corporate expense that was duly authorized by XXXX and internally expensed. XXXX should have paid that amount as I never had to personally pay for any bills on the corporates card. My XXXX XXXX is XXXX. This situation has now escalated to collection activity for a charge that is fundamentally invalid. Key issues : Charge for services not rendered ( no stay occurred ) Inability to dispute earlier due to loss of employer-controlled communication Refusal by XXXX to correct the error based on fiscal year reasoning Collection activity initiated on a disputed and invalid charge I am requesting : Immediate investigation of this billing error Removal of the invalid charge Cessation of all collection activity related to this matter Confirmation that no negative credit reporting will occur, or removal if already reported This is not a discretionary refund request. It is a dispute of a charge for services that were never provided. I am prepared to provide supporting documentation, including confirmation that no stay/check-in occurred. Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: AL

Complaint narrative:
I checked my credit report and none of the credit or loans in my name I didn't open

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: MN

Complaint narrative:
Medical Hardship Impact on Account Reporting To Whom It May Concern, I am requesting an executive-level review of my Affirm accounts ( Loan XXXX : XXXX and XXXX ), not to dispute their accuracy, but to seek a goodwill adjustment based on extraordinary and documented medical hardship. Prior to late XXXX, my account history reflects consistent, on-time payments and clear intent to fulfill my obligations. However, during that time, I experienced a life-threatening pulmonary embolism that required immediate medical intervention and ongoing treatment. This event significantly disrupted my ability to manage financial responsibilities during that period. The timing of the delinquency directly aligns with this medical emergency. This was not a matter of financial mismanagement, but a temporary inability caused by a serious health condition. The accounts have since been resolved through bankruptcy, and the balances have been adjusted to {$0.00}. I am now actively rebuilding my financial standing. Given the circumstances, I respectfully request consideration for a goodwill adjustment, specifically : Removal of late payment history during the affected period Adjustment or removal of the charged-off status Or reclassification to a more neutral status reflecting hardship resolution My goal is not to avoid responsibility, but to ensure my credit history reflects the full context of this situation. I appreciate your time, consideration, and any assistance you can provide. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MS

Complaint narrative:
This isn't the first time nor am I the only veteran being affected by chime/XXXX XXXX illegal use and timely distribution of funds. On an average of 2 days per month or 24 days a year. Chime is advertising that they do not hold any funds. That funds are released upon receiving said funds but on numerous occasions I have spoken to XXXX and funds are posted to my account on a Friday but I will not receive XXXX direct deposit until the following Monday. I've been forced to go through the weekend before receiving said deposit. I'm a XXXX XXXX XXXXXXXX veteran being 100 % dependent on said deposit must go without. I myself and many other veterans have been forced to wait long enough only to be so easily taken advantage of by a banking corporation. Persons found guilty of taking advantage of veterans as well as civilians should be shut down and dismantled as such

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
I had fraudulent transactions occur on my account and unauthorized debits occur. On XX/XX/XXXX I called and reported this and an investigation was started with ally bank on these charges. In just a few days ally bank determined that no error occurred and closed my disputes and denied them. On XX/XX/XXXX I received a call from XXXX regarding a returned payment that was originally posted on my account from ally bank for {$1200.00}. {$1200.00} payment and {$4.00} debit card fee. I told XXXX I never authorized this debit from my ally bank and that I disputed this charge. XXXX confirmed that the payment was returned on XX/XX/XXXX back to ally bank. On XX/XX/XXXX ally bank restricted my account and asked for me to call them. I called them, I provided all information regarding deposits and the dispute information and was told an investigation needs to happen. I waited and I waited and I waited. On XX/XX/XXXX my ally bank was closed without any communication. I received a letter stating my account was closed with XXXX balance in the account. Since then Ive contacted XXXX and have confirmation that XXXX sent the money back to ally bank. Ive called ally bank 4 times and each of those times Ive been given different responses. The last conversation was today, XX/XX/XXXX with the representative saying since the account is closed we cant do anything on seeing the funds coming back and Im out of luck basically. I said this isnt okay. The bank robbed me out of {$1200.00}. I asked to speak to a supervisor and after one hour on the phone and after asking for the supervisor the call got disconnected by the representative. I called back and expressed my frustration and was told theres nothing the supervisor or ally bank can do. That I need to contact XXXX. XXXX has clear evidence and I have that evidence that the money was sent back to ally bank and was returned. Ally bank is refusing to give me my money back. On top of this dispute, I had other charges that I never made but ally somehow said they were valid. How were they valid if I was in XXXX when these transactions were made?? Ally bank is the one who committed fraud.

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 2026-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Please see the attached documents and expedite the review of this matter. The reported late payments are inaccurate, as all payments were made on time and should not be reflected on * my credit file. I request that these be corrected promptly to ensure accurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
I am submitting this complaint regarding Santander XXXX XXXX and their handling of my auto loan account. As of the date of this complaint XXXX XXXX XXXX, my account is approximately 33 days past due. Despite this relatively short delinquency period, I have received repeated and aggressive phone calls from Santander representatives stating that my vehicle is at risk of immediate repossession. During these calls, I have experienced the following : - Frequent and repeated phone calls that feel excessive and intimidating - Statements implying that repossession is imminent without clear explanation of the actual status of my account - A lack of clear, consistent information regarding my options to bring the account current - Communication that feels designed to pressure rather than inform These actions have caused significant stress and confusion. My understanding is that while repossession can occur after default, lenders are still required to communicate truthfully and not use misleading or coercive tactics. I am concerned that Santanders conduct may violate consumer protection standards, including unfair, deceptive, or abusive acts or practices. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am a victim of identity theft. A person opened a credit line at Capital One using my social security number. I do not know this person and did not give anyone authorization to open this account. The account is not even in my name! I have provided written documentation to Capital One on at least four ( 4 ) occasions and have had a number of telephone conversations with them. This fraud began approximately XXXX, XXXX and is still unresolved as of XX/XX/XXXX. This misinformation provided to the credit bureaus by Capital One is false, incorrect and has severely negatively affected my credit scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I previously disputed this account with all three credit bureaus, including Experian , which has now marked the account as verified. However, XXXX XXXX XXXX stated in their response that there was no record of an XXXX or that the investigation was not complete. This directly conflicts with Experians claim that the account was verified. Additionally, I have previously been informed by the company that they do not have full records of this account, including a signed contract and complete payment history. I am requesting that XXXX XXXX XXXX provide : * A signed contract bearing my signature * A complete and itemized payment history * Documentation proving the accuracy of the balance being reported If they are unable to provide this documentation, the account should be deleted as it can not be properly verified 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 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I took out a loan from XXXX XXXX on XX/XX/year> on XX/XX/year> there was a deduction of {$680.00} as a debit from XXXX XXXX. I went to XXXX before the matter could be resolved. I'm was released last and spoke with XXXX XXXX and they sent me a statement of all the deductions they made from my account. They had no record of the {$680.00} from My BofA account. I asked Bank of America to return the funds they denied me.

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 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am experiencing an unresolved account restriction with XXXX ( owned by XXXX ) that is preventing me from sending payments, despite the company repeatedly confirming that my account is in good standing. My account currently has no balance, and there are no funds at issue. However, XXXX system is blocking my ability to send payments to a vendor, which prevents normal use of the service. I have contacted XXXX support multiple times via in-app chat and phone. Each time, I received inconsistent and non-actionable responses. Support representatives confirm that my account is in good standing but are unable to explain why transactions are blocked, what steps are required to resolve the issue, or when it will be fixed. XXXX also does not provide case numbers or reference IDs for support interactions, making it difficult to track or escalate unresolved issues. This situation reflects a breakdown in XXXX support and account management processes, as I am being prevented from using the service without explanation or a defined path to resolution. I am requesting the following : A clear explanation of why my transactions are being blocked Immediate removal of the restriction, OR specific and actionable steps to resolve it A defined timeline for restoration of full account functionality

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCV Inc.
State: CA

Complaint narrative:
XXXX account XXXX XXXX XXXX During this process : * I was informed that collection activity was stayed, yet the balance continued to increase. * The total amount due was not clearly communicated and changed over time without clear explanation. * I was not provided with a clear breakdown of charges, including fees and interest, or a consistent payoff amount prior to being pressured to pay. * I requested written confirmation of payoff terms and account closure, which was not clearly provided prior to payment. * The matter was escalated to collections shortly after the full payment of the amount previously requested was made, and while the dispute remained unresolved and under internal dispute resolution. As a result, I felt pressured to make payment under uncertainty and without clear information. I am requesting that this conduct be reviewed and that appropriate action be taken to ensure compliance with fair debt collection practices.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was on a XXXX XXXX when my card got towed from XXXX when I came back line of credit which is wells told me that they knew where the vehicle is but it was not worth the pick up I am still under the warranty and they are not trying to help get the truck back

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 2026-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Collectors, Incorporated
State: WA

Complaint narrative:
I am filing a complaint regarding what I believe to be deceptive and misleading conduct by a debt collection agency, in potential violation of the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/year> at approximately XXXX XXXX, I received a phone call from XXXX The caller began by stating that the call was being recorded. I asked the caller to identify themselves, and they provided only a personal name without identifying any company or that they were acting as a debt collector. When I asked the purpose of the call, the caller stated it was regarding personal business. The caller then attempted to have me confirm my identity. Due to the vague and suspicious nature of the call, I declined to provide any personal information and terminated the call. Following this interaction, I searched the phone number online and found information indicating that the number is associated with Dynamic Collectors, a debt collection agency. This suggests that the caller may have intentionally failed to disclose that they were a debt collector and misrepresented the purpose of the call in order to obtain my personal information. I believe this conduct may constitute : Misrepresentation of the purpose of the communication Failure to disclose that the caller was a debt collector Attempting to obtain personal information under false pretenses These actions appear to violate the FDCPAs prohibitions against false, deceptive, or misleading representations in connection with debt collection. Impact on Me : This incident caused concern regarding the security of my personal information and raised questions about improper or deceptive data collection practices. I felt that the callers approach was intentionally misleading and designed to elicit sensitive information without proper disclosure

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 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
This complaint concerns fraudulent charges on my credit card account ending in XXXX. In XX/XX/year>, a total of 52 unauthorized transactions were posted to my account, totaling {$370.00}. These transactions were not made by me or by any authorized user on the account. I promptly contacted Citibank to report the fraud and dispute the charges ; however, my request for a refund was denied. Under the terms of the cardmember agreement, cardholders have zero liability for unauthorized transactions. Accordingly, I am submitting this complaint to request a full refund of the disputed amount.

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