vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Deinde Online Services, LLC
State: MI

Complaint narrative:
I am a resident of Michigan, where the criminal usury limit is 25 % APR. I am filing this complaint against Integra Credit regarding a loan with a 212 % APR. 

While the company claims this rate is legal via a " rent-a-bank '' partnership with CCBank ( a Utah-chartered bank XXXX under 12 USC 1831d, I believe Integra Credit is the `` True Lender '' of this obligation. Integra Credit performs the marketing, underwriting, and servicing, and holds the predominant economic interest in the loan. This arrangement appears to be a sham designed specifically to evade XXXX consumer protection laws and the 25 % interest cap. 

I attempted to settle this debt for a lump sum of {$490.00} to resolve the balance. Integra Credit denied this request, citing federal preemption. I contend that because Integra Credit is the de facto lender, Michigan law should apply, making a 212 % interest rate illegal and unenforceable. I am requesting that the CFPB investigate this predatory " rent-a-bank '' scheme and help facilitate a fair settlement that aligns with the interest caps of my home state.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
This item on my credit is not mine I have never had a phone plan with XXXX in my life please remove this false claim from credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
EASTERN ACCOUNT SYSTEMis falsely reporting on my credit. I have never had any accounts with them. Per my research EASTERN ACCOUNT SYSTEMis a debt collector. They are falsely reporting on my credit!! Account number is XXXXis 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 disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am writing to file a formal complaint against Citibank regarding the closure of my business checking account and the withholding of my remaining account balance without explanation. 

On XX/XX/XXXX, I received a written notice from Citibank stating that my business checking account would be closed within 60 days. Based on that notice, I reasonably understood that the account would be closed on approximately XX/XX/XXXX. 

I waited for the full 60-day period to pass and did not receive any further communication from Citibank regarding the status of my account or instructions concerning my remaining balance. 

However, when I contacted Citibank today to follow up, I was informed that my account had already been closed on XX/XX/XXXX. More concerning, I was told that my remaining account balance of {$3800.00} would not be refunded. The representative did not provide any explanation for : - Why didn't I get notified when the account finally got closed? 

- Why was my account closed? 

- Why are my remaining funds being withheld? 

- The legal or contractual basis for refusing to return my funds? 

Additionally, Citibank did not provide any reason for the initial account closure in its XX/XX/XXXX, notice. 

I believe Citibanks actions are improper and potentially unlawful. At a minimum, I am entitled to the return of my remaining funds and a clear explanation regarding the account closure. The failure to return my {$3800.00} balance has caused financial hardship and significant concern. 

I respectfully request that the CFBP investigate this matter and require Citibank to : - Provide a written explanation for the account closure. 

- Provide documentation supporting the decision to withhold my funds ; and- Immediately release my remaining account balance of {$3800.00}. 

I have attached the XX/XX/XXXX, letter, and I am prepared to provide any other relevant documentation upon request. 

Thank you for your time and assistance in this matter. I look forward to your response.

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 monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Complaint against Santander Consumer USA Failure to remove deceased co-borrower and update title I am filing this complaint regarding Santander Consumer USAs failure to properly process the removal of a deceased borrower from an auto loan and title, despite repeated requests, documentation, and their own written authorization. 
This issue involves a XXXX XXXX XXXX, XXXX XXXX, Santander Consumer USA Account XXXX ending in XXXX. 
Summary of events : XX/XX/XXXX : XXXX XXXX XXXX, co-borrower on the loan, passed away. 
XX/XX/XXXX : We formally notified Santander Consumer USA via email to their Estates Department ( XXXX ) and provided a copy of the death certificate. We requested removal of XXXX XXXX from the loan and title, and to allow XXXX XXXX to remain as the sole borrower. 
XX/XX/XXXX : We sent a follow-up email requesting confirmation of receipt and status. No resolution was provided. 
XX/XX/XXXX XX/XX/XXXX : We made numerous phone calls to Santander Consumer USA at XXXX. These calls included : XX/XX/XXXX ( multiple calls ) XX/XX/XXXX ( XXXX minutes ) XX/XX/XXXX ( XXXX minutes ) XX/XX/XXXX ( XXXX minutes ) XX/XX/XXXX ( XXXX minutes ) XX/XX/XXXX ( XXXX minutes ) XX/XX/XXXX XX/XX/XXXX ( XXXX hour XXXX minutes ) Despite these extensive efforts, Santander representatives have repeatedly failed to resolve the issue and have refused to escalate the matter to a supervisor when requested. 
XX/XX/XXXX : Santander Consumer USA issued a formal letter granting permission to remove XXXX XXXX from the North Carolina title and instructing the North Carolina DMV to update their XXXX XXXX XXXX  ( XXXX  ). 
XX/XX/XXXX : This documentation was sent via certified mail to the North Carolina XXXX. Certified mail delivery was confirmed. 
Current problem : Despite providing : Death certificate Formal written notice Follow-up emails Santanders own authorization letter Certified mail to XXXX Numerous phone calls Santander Consumer USA has failed to properly complete the process and has provided no resolution. 
Their failure to properly process this request has created significant financial harm and hardship. 
Impact : Santanders inaction has prevented us from : Refinancing the vehicle Properly titling the vehicle Completing ownership documentation Managing the vehicles financial obligations properly Additionally, Santander representatives have refused to escalate the matter to a supervisor, leaving us with no internal resolution path. 
Requested resolution : I am requesting that Santander Consumer USA immediately : Complete the removal of XXXX XXXX from the loan and title. 
Properly update all records with the North Carolina DMV. 
Provide written confirmation that XXXX XXXX is the sole borrower and title holder. 
Assign this matter to an escalation or executive resolution specialist. 
This issue has been ongoing since XX/XX/XXXX and remains unresolved due to Santanders failure to act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
I requested information on my account since last XX/XX/year> they refused to assist I spoke with XXXX different representatives which they told me the supervisor will contact me and something will be mailed to me. Since then I have not receive any information the federal loan servicers are a liar and can't be trusted. THey lied about the two loans I have on file, suppose to have one loan they claim I consolidated the loasn that's not true that's why the are unable to prove to me. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: WI

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 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MI

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 ) XXXX, 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 debt in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
My name is XXXX XXXX I need to make a complaint on this XXXX account name is XXXX XXXX  and Username is XXXX XXXX because she or they are doing fraud and fraudulent and doing scams and scamming people and is a scammer and a fraudster and dont step people their orders and dont respond to people messages when they ask them a question her or their account need to be investigated and terminated and banned or disable or permanently limited and shutdown and her account relationship with PayPal ended and account need to be shutdown and frozen and restricted and closed etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year>

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 2026-02-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/XXXX XXXX CO NAME : Regions Mortgage XXXX XXXX XXXX XXXX CO ENTRY DESCR : XXXX XXXX : WEB TRACE XXXX XXXX XXXX IND XXXX IND NAME : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  TRN : XXXX ( XXXX ) XX/XX/XXXX XXXX CO NAME : Regions Mortgage XXXX XXXX XXXX XXXX CO ENTRY DESCR : XXXX XXXX : WEB TRACE XXXX XXXXXXXX XXXX IND XXXX IND NAME : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TRN : XXXX ( XXXX ) ============ There were XXXX transactions on my company account dated the following XX/XX/XXXX Regions Mortgage {$10000.00} and XX/XX/XXXX Regions Mortgage {$10000.00}. 

Both transactions totaled XXXX. Our company is XXXX XXXX XXXX XXXX. We are a small family business. No on has any idea what this is. We have no loan, We have owned this business for years, and never had any type of loan.

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 2026-02-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SD

Complaint narrative:
In XX/XX/year>, I traded a leased XXXX XXXX in on a new XXXX XXXX at XXXX XXXXXXXX XXXX XXXXXXXX. The sales representative, XXXX XXXX, took the XXXX XXXX in on trade, " grounded '' the existing lease land made the trade in " seamless '' covering any termination and inspection fees. He fully inspected the traded vehicle and gave me a new lease on na new XXXX  model. Then, XXXX months after the fact, I got a bill from XXXXissan for {$1200.00} for a prorated final month 's lease payment and " excess wear and tear ''. I contacted the dealer and the sales manager, XXXX XXXX, took over explaining that XXXX XXXX had not timely " grounded '' the old lease and that he would take care of the difference. He also explained that he had never heard of an " excess wear and tear '' charge and would handle that as well since the vehicle was inspected by, and traded in, at a XXXX XXXX the dealership represented and was the A agent for Nissan and that I did not need to do anything more ; that he would handle it. The dealership has since closed and Nissan continues to attempt to collect the amount they say is owed and report the sledged delinquency on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am submitting the following again because your system is requesting it. I am not sure what happened, but I am submitting this again to be sure that something is on file.

I am filing a complaint regarding Wells Fargo 's denial of reimbursement for fraudulent debit card transactions totaling approximately {$1400.00}. On XX/XX/2005, I attempted to purchase a puppy  from an out of state entity that presented itself as a legitimate agency ( XXXX ). Payment was made using my Wells Fargo debit card via XXXX XXXX ( {$650.00} ). The following day, I was contacted by the shipping company ( XXXX ) and was asked to make another payment for shipping and delivering the puppy to me in XXXX. I made another payment of {$780.00} and was then asked to pay insurance of {$900.00}. Shortly after the last transaction was completed, I discovered that the entire transaction was a scam. No puppy or legitimate services were ever provided. Wells Fargo denied my claim, stating that the " merchant in dispute is a third party merchant whose responsibility is to transfer funds between two parties '' and that the funds were " transferred to the recipients successfully. '' This explanation is inadequate and does not address my dispute. I paid for good that were never delivered, based on materially false representations regarding the legitimacy and identify of the merchant. This was a fraudulently induced transaction, not a legitimate payment for good and services. Wells Fargo has failed to clearly explain : 1 ) Whether this transaction was processed as a card-network merchant transaction or as a peer-to-peer transfer. 2 ) The specific regulatory bases under Regulation E for denying reimbursement. 3 ) How a transaction induced by fraud and involving non-delivery of goods is excluded from consumer protections. I acted promptly, responsibly, and in good faith by notifying Wells Fargo immediately, I believe Wells Fargo failed to conduct a reasonable investigation as required by the Electronic Fund Transfer act ( Regulation E ), ad improperly shifted all liability to me without sufficient justification. I believe Wells Fargo has the responsibility to 1 ) Reinvestigate the disputed transactions. 2 ) Provide a clear written explanation citing the specific regulatory and contractual basis for any denial. 3 ) Reimbursement the fraudulent transactions totaling {$1400.00}. Also, the phone calls received from Wells Fargo are futile. They merely indicated that I should have used my credit card for the above transaction.

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 2026-02-20 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: MA

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 non-monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
My paypal account was hacked into on XX/XX/year> and they set up 2 automatic payments XXXX each and my bank accounts that were on file denied payment for this amount and sent me a fraud alert and I canceled my cards on file with paypal and my bank refused to pay paypal. I also changed my password immediately I called paypal the next day to report this and they took a fraud report and said they would investigate this. They came back they denied my request for fraud. They paid these scammers even after the fact that I did not authorize this amount or set up these payments. These scammers must have bought XXXX from a company called XXXX XXXX XXXX using my paypal account to set up these payments and paypal went ahead and paid them, even after I told them that I did not authorize this. I went over and over with them 5 times doing 3 way calling with my ID theft company XXXX insurance with them explaining what and every-time my investigation was denied. My account is now XXXX and I have NO intention of paying them for something I never bought.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 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: CA

Complaint narrative:
CREDENCE RESOURCE MANAis falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANAis a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO.
State: AZ

Complaint narrative:
I am requesting assistance with an auto loan held by Ford Motor Credit Company for a vehicle that was totaled and no longer exists. I did not have XXXX insurance, and the insurance payout did not satisfy the remaining loan balance. As a result, Ford Credit continues to require monthly payments on collateral that has been destroyed and from which I receive no use or benefit. 

Since the total loss, my financial circumstances have significantly deteriorated. I am currently unemployed, experiencing homelessness, and living solely on XXXX XXXX income. I no longer have transportation and do not have the financial ability to continue paying a balance tied to a non-existent asset. 

I have attempted to resolve this directly with Ford Credit through customer support and escalation channels, but have not received a meaningful hardship or loss mitigation review. Continuing to collect payments under these conditions creates severe financial hardship and offers no realistic recovery outcome. 

I am requesting that Ford Credit conduct a formal hardship and equitable review and consider waiver, charge-off, forgiveness, or a reasonable settlement of the remaining balance, or provide a written explanation of why such options are not available in this situation. 

I am prepared to provide documentation upon request, including proof of total loss, insurance settlement, and hardship status.

Company response to consumer: Closed with explanation