vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have been a client for some Bank Of America for many years and they they just treat me like garbage. I have never missed my payments. I never late I always spend on time so what it happened is that I had to travel for a medical emergency thats why I had to the body or pay more money into my account so I could use it during in XXXX, which is cheaper for my XXXX and XXXX mistakenly. I overpaid the credit card by accident and everything was good until XXXX day my account just disappear. I used to have XXXX and I was just using XXXX for that purpose and I called them many times to let them know my situation so when I call for an explanation, they just said that because I asked for a credit limit, increase the run credit report, and according to them based on my credit, I wasnt good enough to have those credit cards that I owe for many years owned for many years that that was the only explanation I received so all of the sudden I just got stranded stranded in XXXX without being able to pay my bill medical bills.

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 2026-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
In approximately XXXX I obtained an auto loan through Santander XXXX USA after purchasing a vehicle through a dealership ( XXXX XXXX, XXXX XXXX ). At the time of signing the loan, I was told that after approximately six months of payment history I would be able to refinance the loan to obtain a lower interest rate. I have now had this loan for approximately three years and recently contacted Santander to inquire about refinancing or paying off the loan early. During that conversation I was informed that the interest is built into the loan and that even if I attempt to pay the loan off early, I am still responsible for paying the full interest amount for the entire loan term. This structure was never clearly explained to me at the time I signed the loan agreement. I was led to believe the loan functioned like a normal auto loan where interest accrues over time and can be reduced by paying off the loan early or refinancing. The explanation provided by Santander makes it appear that the loan was structured in a way that prevents meaningful early payoff and forces borrowers to pay the full interest regardless of when the loan is paid. I believe this loan structure and the representations made at the time of the sale may be misleading and potentially predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Rent Recovery Solutions
State: OK

Complaint narrative:
I am filing this complaint against Rent Recovery Solutions for violations of the FDCPA and FCRA. On XX/XX/XXXX, I formally disputed a debt they are reporting on my credit profile and requested validation. Specifically, I challenged the inclusion of a {$50.00} base fee and {$5.00} daily late fees. Under Oklahoma law ( 15 O.S. 213-215 ), these charges constitute illegal contractual penalties and are void. This is supported by Oklahoma case law ( e.g., XXXX XXXX XXXX XXXX XXXX ), which establishes that daily late fees on residential rent are unenforceable penalties. Despite my request, the company has : Failed to provide a signed lease agreement or any proof of contractual obligation. Failed to respond to my legal dispute by my deadline of XX/XX/XXXX. Continued to report this unverified and legally invalid debt to the credit bureaus, which is a violation of the Fair Credit Reporting Act ( FCRA ). Rent Recovery Solutions is attempting to collect an amount not authorized by law or agreement, violating 15 U.S.C. 1692f.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-12 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: Upstart Holdings, Inc.
State: VA

Complaint narrative:
The company is called, Upstart Network , Inc . I never received a credit card. I never applied for a credit card, as mention above. They say I owed them {$1300.00} .. My credit score is ruin.I never heard of this companyThe abbreviated account number is ( XXXX ). The account was supposedly open in ( XX/XX/year> ), without my consent This is all I have to provide Thank you for your cooperation in this matter. Warm regards, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
They closed the previous account. They closed three credit cards on the same day and I already submitted the first complaint. This is the second one but for the second one and the third one I dont have any explanation they just close them the same day were not a reason.

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: WA

Complaint narrative:
I discovered a {$170.00} collection account on my credit report from Credence Resource Management that I do not recognize. The account shows an open date of XX/XX/year>. I previously disputed this account through the credit bureau because I do not know what this debt is for. The dispute was marked resolved reported by grantor, but no documentation was provided proving that the debt belongs to me. My credit report also lists Credence Resource Management as the original creditor, which does not identify the actual company that the alleged debt originated from. I am requesting full validation of this debt, including the name of the original creditor, the original account number, documentation showing that I agreed to the debt, and proof that the balance is accurate. If this can not be provided, the account should be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: LA

Complaint narrative:
For the past two years, I have been enrolled in school and was not working during that time. Despite this situation, I have continued to be billed for charges that I was unable to pay while I was a student and out of work. During this period, my financial circumstances were limited due to focusing on my education and not having regular employment income. Because of this, the account continued to accumulate charges and billing notices while I was still in school. I believe the billing did not properly reflect my financial hardship and status during those two years. I am requesting that the company review the billing activity during the time I was enrolled in school and unemployed and consider an adjustment, correction, or resolution of the charges that occurred during that period. I was out of work due to a car accident that limited my ability. I am still going through limitation not able to work more than 30 hours. On my credit report, I am behind, and led me missing payment. I contacted them about my situation, and they are still making a report to my credit bureau that having affect to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I am unaware of these debt, I didn't have the opportunity to dispute these debt. I did not receive proper notification. If in fact u believe I did have the proper notification please provide the certified mail receipt with my signature on there stating I received it. Account Number : XXXX Date : XX/XX/year> Amount : {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I was charged XXXX dollars for a monthly fee that for XXXX years has never been charged, they charge without authorization and without prior notice, I contacted them and they tell me that it is mandatory to pay XXXX dollars monthly or that I can close the account, but that if I close they will not refund me anything that they have the authorization and the power to charge what they want per month without giving prior notice, please investigate this financial institution since it is scamming many people with its charges

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding an auto loan account opened with GM Financial using a contract that I did not sign. I signed a retail installment contract at the dealership in XXXX with a specific lender, loan term, and my drawn electronic signature. GM Financial later sent me a copy of the contract they received from the dealership, and it is not the same document, it also shows a signature day of XX/XX/year>. The lender listed is different, the loan term is different, the contract layout is different, and the signature on the submitted contract is a typed electronic signature that I did not authorize. I believe the dealership submitted an unauthorized or substituted the contract to GM Financial. This has created a loan account with terms I did not agree to. I am requesting that GM Financial review the contract they received, compare it to the contract I actually signed, and assist in correcting or freezing the account while this issue is investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MI

Complaint narrative:
I am unaware of these debt, I didn't have the opportunity to dispute these debt. I did not receive proper notification. If in fact u believe I did have the proper notification please provide the certified mail receipt with my signature on there stating I received it. Account Number : XXXX Date : XX/XX/XXXX Amount : {$360.00} Account Number : XXXX Date : XX/XX/XXXX Amount : {$180.00} Account Number : XXXX Date : XX/XX/XXXX Amount : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Over the last 20 years, my student loans have been passed from lender to lender and my principle balance is the same today as it was 20 years ago despite making regular payments over the entire life of the loan thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Finance System of Richmond, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX Finance System of Richmo XXXX XXXX XXXX XXXX, XXXX, IN XXXX RE : Formal Notice Cease and Desist / Debt Validation Request Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Account Number : XXXX XXXXXXXX ( XXXX ) To Whom It May Concern, This letter serves as formal notice that I dispute the validity of the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I am requesting full validation of this alleged debt. Until you provide the documentation requested below, you must cease all collection activities and communication with me regarding this matter, except to provide the validation requested. Additionally, under 15 U.S.C. 1692 ( c ), you are hereby instructed to cease and desist from contacting me by telephone, email, or any other method of communication. Any communication must be limited strictly to providing the documentation requested in this notice. To properly validate this alleged debt, please provide the following : 1. The name and address of the original creditor. 2. The original account number associated with the alleged debt. 3. A complete payment history and accounting of the alleged balance. 4. A copy of the original signed contract or agreement bearing my signature. 5. Documentation showing that your company has legal authority to collect on this debt. 6. Proof that the debt was legally assigned or sold to your company. 7. Your companys debt collection license number and the state in which it was issued. Furthermore, if this account is being reported to any credit reporting agencies, including XXXX, XXXX, or XXXX, you are required to report the debt as disputed pursuant to federal law. If you can not provide the documentation requested above, you must immediately : Cease all collection activity Remove any negative reporting related to this account from all credit reporting agencies Failure to comply with this request may constitute violations of the FDCPA and will result in complaints being filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney General, along with potential legal action. I expect your full compliance within 30 days of receipt of this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I am submitting this complaint regarding an account being reported on my credit report that I believe is inaccurate and has not been properly validated. I previously requested validation of this alleged debt, including documentation verifying the original creditor, the accuracy of the balance, and proof that the company has the legal authority to collect this debt. To date, the company has failed to provide adequate verification while continuing to report this account to the credit reporting agencies. Reporting unverified or inaccurate information violates the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I am requesting that the company either provide proper validation of the debt or immediately remove the account from all credit reporting agencies. If they can not provide documentation proving the debt is accurate and legally collectible, the account should be deleted.

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 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Discover card is refusing to resolve my dispute charges. I reported XXXXraud and dispute charges and Discover card mixed up the fraud charges with dispute. They also lied about transferring my disputes to their dispute department. Therefore I was not able to upload documents for my dispute case. I was informed by their dispute department and XXXX from their corporate office that the XXXX dispute was closed to my favor because the merchant didn't respond. However Discover refused to issue me credit. XXXX was in charged of my fraud case and she never returned my calls and closed my fraud case. As I XXXX individual I asked for accommodations and to upload my dispute documents online and they refused to help me. I feel extremely discriminated by Discover card and I want them to issue me full refund for the XXXX dispute case and open my XXXX 's dispute with their dispute department and also reopen my fraud case because I didn't have my card on my position when the fraud charges happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I had XXXX credit cards, a XXXX account, and my Vystar account hacked for over {$20000.00}. My credit cards and XXXX processed and refunded my fraudulent transactions. Vystar denied my claim is showing a ruling saying that they provided the information necessary to deny the claim. The information provided can easily be hacked. They seem to be focused on the IP address and didnt even know what XXXX spoofing was. The amount of Vystar was over {$6000.00} in XXXX days which history of my account would indicate I have never had such transactions and those amounts and had no previous relationship with the merchant. It makes me feel like theyre calling me a liar because they believe the merchant over me. I asked for the claim to be reopened and they denied. Im a man in my XXXX and seldom leave my home. XXXX transactions were prompt ticket places such as XXXX, XXXX, etc., for tickets that I never received in my email as they indicated. They refuse to talk to me and simply denied my claim regarding the information they received. They only told me it was denied, and that I could get the information from what the merchant said at the local branch which I did and again all of the information from the merchant was hack information. My credit cards and XXXX ruled in my favor reimbursed the amount of the fraudulent transactions. I am at my wits end as to what I need to do. I am reaching out to you before I contact an attorney and go public with this information so that others can be aware of Vystars policy. Thank you for your consideration of my dilemma.

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 2026-03-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwood Financial, LLC.
State: PA

Complaint narrative:
XXXX XXXX XXXX filed for a loan under my name through XXXX XXXX XXXX on XX/XX/XXXX. This was without my permission or my grandmother 's knowlege. The submission, according to the court summons I was handed do not contain my phone number, email, address or work history. I attended school without that fact and now I'm being sued by a third party in XXXX for the remaining balance ( XXXX ). I had tried to submit a fraud claim in XXXX, but the case was closed due to lack of evidence. This is an attempt to reopen that case and or establish another one.

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 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
1. Incident & Immediate Reporting ( XX/XX/XXXX ) : On XX/XX/XXXX, I was targeted by a sophisticated Service Provider Imposter Scam. A perpetrator impersonating XXXX XXXX used fraudulent inducement ( spoofed emails and a live caller ) to induce four XXXX transfers totaling {$5000.00}. I discovered the fraud within minutes and immediately contacted Wells Fargo to report the crime. The first agent I spoke with failed to initiate a XXXX network flag or clawback while the funds were still in transit, a direct failure of the banks duty to mitigate loss. 2. Formal Error Notice ( XX/XX/XXXX ) : I called Wells Fargo a second time and formally established four fraud claims : XXXX, XXXX, XXXX, XXXX. This XX/XX/XXXX date serves as the " Notice of Error '' trigger for Regulation E timelines. 3. Escalation and Regulatory Failure ( XX/XX/XXXX XX/XX/XXXX ) : On XX/XX/XXXX, I spoke with an agent and requested an escalation based on Regulation E. About 4 hours later, I received an email from Consumer Small & Business Banking Escalated Complaints Office with a Wells Fargo case number : XXXX. I was promised a call from the Executive Office within 48 hours, which never occurred. On XX/XX/XXXX, " XXXX '' from the Executive Office contacted me, but incorrectly stated he had a " new '' 10-day window to investigate. Under 12 CFR 1005.11 ( c ), the 10-business-day deadline for Wells Fargo to either resolve the investigation or provide a provisional credit was Wednesday, XX/XX/XXXX. As of XX/XX/XXXX, no such credit has been issued, constituting a technical violation of federal law. 4. Proof of Industry Precedent : Both XXXX XXXX XXXXXXXX and XXXX investigated this identical event, validated the imposter fraud, and issued full refunds. Wells Fargo is the only institution involved that is refusing to acknowledge the XXXX XXXX XXXX Mandate requiring reimbursement for qualifying imposter scams.

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 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I scheduled a payment of {$7.00} for my Bank of America credit card through the Bank of America app before leaving the country for travel. The bank attempted to process the payment using an outdated payment method ( a XXXX XXXX business ) that had previously been removed from my profile. That payment was later reversed by the account owner, which I was not aware of while traveling. As a result, Bank of America marked my account as 30 days late and reported this to the credit bureaus, which caused a significant drop in my credit score. After returning, I contacted Bank of America and immediately paid the balance. This situation was caused by an incorrect payment method remaining in the banks system and a payment processing error, not by an intentional failure to pay. I asked Bank of America to correct this error and remove the incorrect 30-day late payment from my credit report with XXXX, XXXX, and 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