vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
My vehicle was declared a total loss. Insurance has initiated payoff and requested documentation from Truist. Truist has delayed processing required paperwork while continuing to demand monthly payments. This is causing financial harm and unnecessary risk of negative credit reporting. I am requesting that Truist place the loan in an administrative hold and process the insurance payoff promptly.

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 2026-01-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
I am filing a formal complaint against Source Receivables for reporting a collection account without providing legally required validation.

I dispute this alleged XXXX debt and request full validation under federal law. To date, Source Receivables has not provided : The original signed contract or agreement A complete billing and payment history Proof of assignment from XXXX  Proof of legal authority to collect or report this account Under : FDCPA 809 ( b ) FCRA 611 ( a ) FCRA 623 ( b ) If a debt collector can not verify an account, they must cease reporting it. Continued reporting without validation is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Product : Credit card Company : American Express National Bank American Express improperly denied my dispute involving a charge obtained through merchant coercion and payment under duress. 

I disputed an {$8800.00} charge from XXXX XXXX XXXX ( XXXX, MA ). My commercial vehicle was being detained by the merchant, who refused to release it unless I paid immediately while fees escalated daily.

The merchant initially refused credit card payment and demanded cash, despite advertising acceptance of credit cards. At the moment of payment, the merchant imposed new handwritten terms and added fees that were not part of the original invoice and conditioned release of my vehicle on signing those terms and surrendering my drivers license and credit card for copying.

I served the merchant with a written Payment Under Protest notice at the time of payment, expressly stating that payment was made solely to mitigate damages and secure release of my vehicle, not as consent to the charges.

American Express denied my dispute by treating the transaction as a voluntary, consented purchase and failed to evaluate it as a merchant-conduct and duress case. This ignores evidence of coercive billing practices and improper card acceptance conditions.

I am requesting CFPB assistance to require American Express to properly investigate this dispute under merchant-misconduct standards and protect my rights as a cardholder.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: North American Credit Services
State: GA

Complaint narrative:
I am disputing a medical debt in the amount of {$660.00} ( Acct : [ Your Account # ] ) from North American Credit Services ( XXXX ) regarding a visit to XXXX XXXX on XX/XX/year>. Prior to this debt being sent to collections, I requested an itemized bill from the hospital, which was refused. Under the Georgia Fair Business Practices Act and Georgia Administrative Code, hospitals are required to provide itemized statements to patients. XXXX is now attempting to collect a debt that was never properly itemized or verified. Furthermore, XXXX has engaged in aggressive communication tactics, including non-stop automated robocalls to my cell phone. I have not given consent for these automated calls and find them to be harassing. I am requesting that XXXX cease all phone communication immediately and close this account as unverified due to the original creditor 's failure to provide a detailed billing statement as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Attempted to open an account and was advised I had an account that was deactivated and could not be reactivated and they had no way of doing so. Explained I havent had an account with them before and to provide all documents and the phone line was disconnected as well reached out via chat and same thing chat was ended with no update or documentation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am submitting this complaint regarding inaccurate, misleading, and non-compliant credit reporting by TD bank USA in connection with a Nordstrom credit card account reported as a charge-off on my credit reports. 
I previously disputed this account with credit reporting agencies due to multiple factual inaccuracies, including inconsistent delinquency reporting, improper charge-off presentation, and a projected removal date that does not align with the documented delinquency timeline. Despite these documented issues, the account was verified without correction. 
The account reflects non-linear delinquency escalation, payments made during periods reported as delinquent without proper application, continued balance and past-due reporting after charge-off, and a projected removal date of XX/XX/year> that conflicts with delinquency activity beginning in XXXX, indicating improper re- aging.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Formal Complaint Against Santander Consumer USA Financing of Defective/Recalled Vehicle and UDAAP Violations Complaint Narrative : I am writing to formally complain about Santander Consumer USA regarding a vehicle loan for a XXXX XXXX XXXX . This vehicle was sold and financed with a major transmission defect that was subject to an active safety recall at the time of sale/financing, rendering the vehicle undrivable and a significant safety hazard.

1. Facts of the Dispute : On XX/XX/XXXX I entered into a financing agreement with Santander. Shortly after, the vehicle suffered a total transmission failure. Upon investigation, I discovered the transmission was part of an existing safety recall. The vehicle is currently inoperable, yet Santander continues to demand payment for an asset that can not be legally or safely driven.

2. Legal Violations : I believe Santanders actions violate several consumer protection standards : UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) : Under the Consumer Financial Protection Act ( CFPA ), it is " unfair '' to subject a consumer to substantial injury that is not reasonably avoidable. Financing a vehicle with a known, unrepaired safety recall that prevents use of the vehicle constitutes a substantial injury.

FTC Holder Rule ( 16 CFR Part 433 ) : As the holder of the credit contract, Santander is subject to all claims and defenses which I could assert against the original seller. Because the dealer sold a vehicle with a major undisclosed defect/recall, Santander shares liability for the " lemon '' status of this vehicle. 
* National Traffic and Motor Vehicle Safety Act ( 49 U.S.C. 30112 ) : While this primarily governs dealers, the financing of a vehicle that violates federal safety standards ( due to an open recall ) calls into question the validity of the underlying contract.

3. Inability to Drive : The vehicle is currently sitting at sold because it is unsafe to operate. I have attempted to resolve this with Santander, but they have refused to pause payments or assist in a buyback, despite the vehicle 's " dead '' status. 



XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I disputed this credit card collection account due to inaccurate and unverifiable information being reported on my credit file. The account reflects XXXX late payments and a reported balance of {$4000.00}. I requested validation of the alleged debt, including proof of legal ownership or assignment, complete account history, payment application records, date of first delinquency, and documentation supporting the accuracy of the balance and late payment reporting. The response did not provide any documentary validation or evidence supporting the reporting. Despite the dispute, the account continues to be furnished without substantiation. Reporting an excessive number of late payments without proper verification raises serious concerns regarding accuracy, reasonable investigation standards, and compliance with federal credit reporting requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
" Please see the attached documentation. I am filing this complaint due to noncompliance with federal law. My consumer report contains inaccurate and unverified late payment reporting, as well as other disputed items, which were previously challenged and not properly investigated or validated. The continued reporting reflects a failure to ensure maximum possible accuracy as required by law. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CreditNinja Lending, LLC
State: MO

Complaint narrative:
A debt collector, XXXX XXXX XXXX, reported an alleged Credit Ninja debt from XXXX, purchased by XXXX XXXX XXXX, to the credit bureaus in XXXX. This account appeared on my credit report and caused a significant score drop. The collector previously provided written notice stating that, due to the age of the debt, it would not be reported. I requested validation of the debt and proof of ownership, but the company has not provided any information. The reporting appears inaccurate, misleading, and possibly re-aged

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 2026-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
XX/XX/XXXX, XXXX made loan payment to Santander XXXX XXXX  and received confirmation number for payment XX/XX/XXXX, XXXX money still had not been taken out of my bank account, showed on my online Santander XXXX XXXX XXXXXXXX account to have been made, called Santander XXXX XXXX and confirmed payment had been made XX/XX/XXXX, XXXX received email that I had a past due balance, called Santander XXXX XXXX and was told there were insufficient funds in my checking account. I explained the funds were available and I have proof of a bank statement. Santander XXXX XXXX would not remove late fee or the negative mark against my credit. 
This is my first payment and their reviews show to be doing this often!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Summary : Capital One tradeline is missing from XXXXXXXX despite the account being open since XX/XX/year> ; Capital One has sent conflicting responses that alternately claim no record/nothing to report and we are reporting. 

What happened ( chronology ) : I opened and have maintained a Capital One credit card since XX/XX/year> and have used it as a normal credit account. 

While resolving other reporting issues, I learned XXXX does not show the Capital One tradeline at all. 

When I contacted Capital One, I received inconsistent responses : One response indicates there is no record/ nothing to report or dispute ; Another response asserts Capital One is reporting and directs me back to XXXX.

I also experience repeated routing to fraud when contacting Capital One due to a prior wrongful shutdown/flag, and this appears to be causing internal account mis-matching/reporting problems.

Why this is a problem ( legal/rights ) : If XXXX is not receiving Capital Ones reporting or if Capital One is furnishing in a way that prevents correct matching to my credit file, Capital Oneas a furnishermust take reasonable steps to ensure accurate furnishing and must reasonably investigate and correct issues after receiving notice through a CRA dispute process. Capital One has provided contradictory responses ( no record/nothing to report vs we are reporting ), and the tradeline remains missing. 

Harm : Missing tradeline negatively affecting credit history, score, and lending decisions. 

Substantial time wasted and inability to get consistent answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
XXXX/XXXX/25, XXXX stated that 2 security systems were required for my property and quoted both with the same promotional pricing for equipment, installation, and monitoring. They scheduled the appointment and set up financing through Bread Financial. 

XXXX/XXXX/25, the technician arrived but said they would only install one system. I canceled and rescheduled, clearly stating I would not accept partial installation because I did not want the 3-day cancellation window to start until both were installed. I confirmed this again by phone. 

XXXX25, I received a confirmation call and verified that both systems would be installed. On XXXX25, I confirmed this again with the technician. After installing the first system, I was told they did not have time to install the second and that someone would return the next morning. 

No one showed up after I waited the 4-hour window. In total, there were 6 missed appointments. After each, customer service called and promised deep discounts to reschedule. The 2nd system was finally installed on XX/XX/XXXXXXXX25. 

Despite repeated promises, no discounts were applied. Bread Financing later showed one system at approximately {$1400.00} and the other at approximately {$2400.00}. The XX/XX/XXXX installation also included 2 extra sensors that I explicitly told the technician I did not want, and I was billed {$100.00} each. 

I attempted to cancel but was repeatedly transferred, disconnected, and unable to reach anyone who would process cancellation. I made at least five calls between XXXX, many lasting over two hours. One representative repeatedly stated that both systems together would cost {$1400.00}, confirmed both account numbers, and promised written confirmation, which was never sent. 

I emailed Vivints legal department. Executive Resolutions responded but stated they could not locate the calls promising lower pricing and refused to honor them. They agreed to cancel and refund the XX/XX/XXXX account but refuse to cancel the XX/XX/XXXX account, despite identical failures and misrepresentations. This is inconsistent and unreasonable. I am still being billed for both systems through Bread Financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX for failure to properly validate an alleged debt, continued reporting of an unverified account, and violations of federal consumer protection laws. 

I timely requested full debt validation for the alleged account originally associated with Synchrony Bank. Instead of providing legally sufficient proof of the debt, XXXX only sent a self-generated account summary. They failed to provide a copy of the original contract, proof of assignment, chain of title, or complete payment history. This does not meet the legal standard for validation under the Fair Debt Collection Practices Act. 

Despite this failure, the company continues to report this account to the credit bureaus. Reporting an account that has not been properly verified violates the Fair Credit Reporting Act, which requires furnishers to conduct a reasonable investigation and ensure accuracy when a debt is disputed. 

Additionally, XXXX and XXXX claim ownership of the debt but refuse to provide any documentation proving lawful ownership of my specific account. Representing that they own the debt without proof is a false and misleading representation under federal law. 

Attempting to collect and report a debt that can not be properly validated is an unfair and deceptive practice. As a result of this conduct, my credit profile has been harmed, affecting my ability to obtain fair credit and causing financial and emotional distress. 

This laws were violated Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) Failure to properly validate debt Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ) False and misleading representations Fair Debt Collection Practices Act ( 15 U.S.C. 1692f ) Unfair collection practices Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) Reporting inaccurate and unverified information

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 2026-01-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
URGENT : INCORRECT PROPERTY TAX CHARGE AND WRONGFUL FORECLOSURE ACTION I am writing to formally dispute the foreclosure action initiated against my property and to request an immediate halt to all foreclosure activity. I have documented proof that the obligation in question was paid twiceonce to the XXXX XXXX XXXX and again to PHH Mortgage. 

Your records incorrectly state that I owe property taxes for XXXX. Prior to receiving your notice, I spoke with PHH Mortgage representative XXXX XXXX at XXXX and explained that the taxes had already been paid directly to XXXX XXXX Treasurer ( documentation attached ). Despite this, I was told I needed to pay {$660.00} again to avoid negative action on my loan. Out of fear of losing my home, I made a second payment directly to PHH Mortgage.

A verbal agreementwitnessed by a HUD representativeallowed me to pay this amount in installments of {$50.00} per month. My first payment was made on XX/XX/XXXX, and the final payment of {$110.00} was made on XX/XX/XXXX. I paid a total of {$660.00}, and I have documentation confirming the balance was paid in full. Despite this, my account still reflects an incorrect balance, and I have been placed into preforeclosure based on invalid charges. 

I was also informed that a foreclosure posting was placed on my property ; however, no such posting was ever found. When I contacted XXXX at XXXX XXXX, I was told there was no photo in the file confirming that a foreclosure affidavit notice had been posted. 

I am requesting the following immediate actions : Suspend all foreclosure proceedings. 


Conduct a full review of my account, including verification with the XXXX XXXX XXXX, and remove all improper charges and fees. 


Provide written confirmation that my account has been corrected and is in good standing. 


Provide a detailed explanation of how this error occurred. 

I am XXXX XXXX XXXX and living on a fixed income. I have always paid my taxes and obligations on time, and I have never experienced issues with previous mortgage servicers. This situation has caused significant stress and hardship, and I am requesting prompt resolution. 

Please confirm receipt of this message and provide a timeline for correction. I am including copies of receipts and documentation for both payments. Additional bank records will be forwarded as soon as they are received. 

Thank you for your immediate attention to this matter. I will also be sharing this information with the Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: ME

Complaint narrative:
XX/XX/year> contacted midland and spoke to XXXXXXXX XXXX. Offered settlement to him he stated his refusal, requested to speak with a manager who offered XXXX to close the account as a XXXX time payment. I requested verification of that amount in writing and he refused stating I have to pay that amount first prior to be issued a letter. I advised him I will not make a verbal commitment to an amount without seeing it in writing and I felt he was bullying and pressuring to get the payment first before he would do anything to show that once the payment is made the debt will be resolved. Associate hung up the call stating it was going nowhere.

Company response to consumer: Closed with explanation