vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Subject : Continued Failure to Release Satisfied Lien Despite Receipt of Requested Documentation I have now been attempting to resolve this issue with Wells Fargo for approximately five months. Attached is correspondence from Wells Fargo acknowledging this matter and specifically requesting proof of authority to act on behalf of the estate, such as Executor of Estate documentation or transfer of ownership documents. All requested documentation was provided to Wells Fargo on or about XX/XX/XXXX via XXXX priority mail. Despite Wells Fargo receiving the requested documents, no lien satisfaction letter or lien release has been issued. Instead, Wells Fargo closed the case without resolving the issue, forcing us to continue reopening the matter and repeating the same information multiple times. This has become an extremely disorganized and unreasonable process. The loan associated with this boat was paid off years ago through XXXX XXXX, which was later acquired by Wells Fargo. The original borrower is deceased, the estate was formally closed in XX/XX/XXXX, and I served as personal representative of the estate. Because Wells Fargo continues failing to release this satisfied lien, the buyer can not legally register the boat with the North Carolina XXXX XXXX XXXX. This is preventing lawful transfer of property and exposing myself to potential legal liability despite the fact that all requested documentation has already been submitted. Additionally, during an in-person meeting with XXXX XXXX at a Wells Fargo branch XXXX XXXX, I was told that a lien satisfaction letter would be issued within fourteen days. That promise was never fulfilled. She was presented with all the same documents. Wells Fargo has now requested an additional sixty days despite already having the requested documents for weeks and despite this matter already being ongoing since XXXX. At this point, XXXX XXXX continued delay appears to be solely the result of internal recordkeeping and processing failures. We are again requesting immediate issuance of the lien satisfaction letter and confirmation that the lien has been formally released. If this matter can not be resolved promptly, our next step will be to seek assistance from attorney XXXX XXXX to pursue resolution.

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 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
Help, my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX days of initial contact. The account I've referenced are not XXXX XXXX accurate. Until you provide competent evidence that validates the debt- including a signed agreement, full account history and verification of your authority to collect- you must cease all collection efforts and remove the information from my credit report. You may also reference time restraint, that an account under federal law may not be reported delinquent over XXXX years. In which this account is over that threshold. This account has been deleted previously but for unknown reasons, it was been reinserted onto my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
Issue : Mortgage Escrow account Refund not received Company : Rocket Mortgage , LLC Complaint Text : I am filing this complaint because Rocket Mortgage has failed to send my escrow surplus refund check of {$340.00}, which has been owed to me since XX/XX/year>. As of today, XX/XX/year>, I still have not received the check. Over the past three months, Rocket Mortgage representatives have repeatedly told me that the check is on the way, yet nothing has ever arrived. Each time I contacted them, I received the same scripted response with no action taken. This pattern shows a serious lack of accountability and poor business practices. This delay has caused significant financial stress for my family. I urgently need these funds to help cover essential living expenses, especially with rising costs. Rocket Mortgages failure to issue a simple escrow refund is unacceptable and has created unnecessary hardship. I am requesting that the CFPB require Rocket Mortgage to : Immediately issue my escrow surplus refund check. Provide a written explanation for the delay. Confirm corrective action to prevent this from happening to other customers. Thank you for your assistance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I am XXXX and need to update my legal name with cash app. I'm also in the address confidentiality program in my state. Legally, my ID can not show my physical address. It shows an address where my mail is forwarded from to protect my privacy. Cash app claims my ID needs to show my physical address. I obviously can not have my address on my ID, and I sure as XXXX am not going to go through the struggle of re-updating it and compromising my privacy. I already sent them my new ID and pictures of my legal name change document and a selfie. They should not need any more information to update my legal name. They're making it unnecessarily difficult and it's infringing on my privacy and it's unfair to trans people. They also deadnamed me on one of my emails with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
We have been a customer for over a decade. We have a seldomly used account credit card with a relatively low ( though large to us ) credit limit that while not used, represents a huge chunk of our ( me and my husband ) available credit and one of our oldest active accounts. No warning, no notice, and no chance given ti keep the account active. It was just closed on us and our credit score lowered. After being loyal on time paying customers for our other accounts for years ( we have multiple capital one accounts, 100 % on time payment history ) you have chosen action that hurts our credit profile without so much as a conversation and your reasoning behind it is you dont legally have to and that decisions are permanent typically. Youve lost our business even if it means hurting our score even further.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am the co-owner of XXXX XXXX XXXX XXXXXXXX XXXX, a fine wine retailer in XXXX, Florida. I am filing this complaint against XXXX XXXXXXXX. for an unjustified chargeback and pre-arbitration process that resulted in a financial loss of {$6400.00} to my business. On XX/XX/XXXX, an individual used a Citibank XXXX ending in XXXX to purchase a {$5800.00} bottle of wine from our website. We verified the billing address, ZIP code, and CVV through our processor Authorize.net all matched and the transaction was fully approved ( Transaction ID : XXXX ). We fulfilled the order in good faith. In XX/XX/XXXX, Citibank initiated a chargeback claiming unauthorized use. We submitted all documentation. The dispute was adjudicated in our favor and funds were returned. In XX/XX/XXXX, Citibank 's agent XXXX XXXX XXXX XXXX ( XXXX Response ) issued a pre-arbitration notice requiring acceptance or automatic fund deduction. We accepted in good faith. Subsequently, {$5800.00} was re-deducted from our account and a {$620.00} fee was imposed for a proceeding we were never notified of, invited to, or represented in. We bring three specific failures to the CFPB 's attention : Citibank publicly advertises fraud protection on its own website yet transferred the entire financial loss to an innocent, compliant merchant instead of honoring that guarantee. Citibank routinely sends real-time Citi ID Check verification prompts and SMS fraud alerts for transactions far smaller than {$5800.00} I receive these myself as a Citibank cardholder . Citibank either failed to deploy these tools for this transaction or the cardholder ignored the alert. Either way, a compliant merchant bears the loss. The pre-arbitration proceeding was conducted entirely without our participation, denying us basic procedural fairness before {$6400.00} was extracted from our account. We request the CFPB investigate Citibank N.A. 's chargeback and pre-arbitration practices and require full reimbursement of {$6400.00}. Attachments : Exhibits A, B, D, E, F, G, H, I

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 2026-05-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: North Seattle Community College Foundation
State: SC

Complaint narrative:
Debt management company failed to send payment, causing credit damage I am filing a complaint against XXXX, a debt management company handling my credit card payments. I have been making my payments to XXXX on time as agreed under their program. However, XXXX failed to send a payment to my creditor on time, which resulted in a late payment being reported on my credit report. This has caused a drop in my credit score. This is the second time this happened. This missed payment was not due to any action or negligence on my part. I fulfilled my obligation by paying XXXX as required. What I want resolved : XXXX to acknowledge their error XXXX to contact the creditor and request removal of the late payment Correction of my credit report Assurance this will not happen again I am requesting a full investigation and assistance in resolving this matter. Attached are records showing my timely payments to XXXX. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Company : PayPal Mastercard / PayPal Credit XXXX Synchrony Bank Issue Type : Billing dispute / Unfair fee Complaint : On XX/XX/year>, I initiated a {$1000.00} payment to my PayPal Mastercard account. At the time, my account was already paid ahead ( I had made two prior {$1000.00} payments on XX/XX/XXXX and XX/XX/XXXX ), and no payment was due. I made the XX/XX/XXXX payment specifically to increase my available credit for a purchase. When submitting the payment, I selected XX/XX/XXXX as the payment date, and the system accepted it as a same-day payment. My previous payments posted immediately, so I reasonably expected the same. However, the XX/XX/XXXX payment did not post. After contacting PayPal ( Synchrony Bank ) multiple times and speaking with several representatives, I was eventually told that the payment was being held until XX/XX/XXXX due to recent large payments. This hold was not disclosed at the time the payment was authorized. I requested that the payment be canceled once I learned of the delay, but I was told that same-day payments can not be canceled. To avoid having {$1000.00} held for approximately two weeks without prior disclosure, I placed a stop payment through my bank, XXXX XXXX XXXX. The funds were returned to my account on XX/XX/XXXX. On XX/XX/XXXX, PayPal charged me a {$30.00} returned payment fee. This fee resulted directly from PayPals failure to process the payment as disclosed and their refusal to cancel the transaction after informing me of the extended hold. I contacted PayPal ( Synchrony Bank ) again, including speaking with a supervisor, and was told the fee could not be waived. Requested Resolution : I am requesting a reversal of the {$30.00} returned payment fee, as the returned payment was caused by PayPals undisclosed processing delay and inability to cancel the transaction after acceptance. Additional Information : At no time was I past due or failing to meet my payment obligations. This payment was voluntary and made in good faith based on the systems representation of same-day processing.

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 2026-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CT

Complaint narrative:
I am filing this report because there are utility accounts and resulting collection debts opened in my name without my knowledge or consent. These accounts were reportedly opened when I was approximately XXXX XXXX XXXX. I was not the person who initiated these services, did not authorize them, and was not the person managing or receiving the bills. The billing contact information appears to have been directed to another individual, so I never received account statements, notices, or warnings about missed payments or collections. As a result, I only recently became aware of these accounts when reviewing my credit report. I do not have access to the original account details, exact dates, or billing amounts, as I was not involved in setting up or managing these services. I am disputing these accounts as fraudulent/unauthorized and requesting that they be investigated and removed from my credit history.

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 2026-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days. The following information on my credit report is the result of identity theft and must be blocked : NAME / ACCOUNT NUMBER XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. I have contacted TransUnion multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OPORTUN FINANCIAL CORPORATION
State: WI

Complaint narrative:
I have been receiving NONSTOP calls since XXXX from a company named Oportun, XXXX, sometimes 2-3 times per day. I have no idea who these people are, and have NEVER done any business with them. Additionally, I have been registered on the Do Not Call Registry since XXXX, and blocked their number, but the calls are STILL constant. I prefer to not contact them directly, or provide any personal information to these people,,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: PNC Bank N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from a seller on XXXX XXXX in the amount of {$2300.00}. Before purchasing the vehicle, I had a mechanic inspect it, and I was told the XXXX was in good condition. The title appeared clean and showed that it originally came from XXXX. Approximately one week after the purchase, the check engine light came on. I took the XXXX for an inspection and was informed that it had a transmission issue. I paid for the vehicle through XXXX XXXX by sending the full amount to the seller, whose name is XXXX. I attempted to dispute the transaction through XXXX XXXX, but my request was denied, and XXXX XXXX did not provide any documentation or explanation for the denial. I then attempted to dispute the transaction through my bank, and that request was also denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Klarna AB
State: NJ

Complaint narrative:
I have now been dealing with this for over XX/XX/XXXX years. I have spoken to multiple Klarna agents who confirmed my name XXXX XXXX XXXX is updated correctly on my account. I was toldXX/XX/XXXXafter XXXXXX/XX/XXXXand XX/XX/XXXX after XXXX XX/XX/XXXX that verification would be cleared. It has now been over XXXXXX/XX/XXXXand I am still being denied. I need a senior specialist or supervisor to review my account today and tell me exactly what is still blocking me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Albert Corporation
State: MI

Complaint narrative:
XXXX kept increasing monthly s7hscripti9n fees which they were taking from my check8ng account automatically. In XXXX l contacted them and told them XXXX wanted XXXX cancel my XXXX per m9nth subscription and that i was recinding my permission to debit my account anymore. I Noel have discovered they have continue to bill my account and take t he money from my bank without m6 permission.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
Identity theft case. XXXX XXXX already issued a statement saying that this is not my account and then XXXXm not responsible for it. Knowing this Jefferson capital bought the account and placed this on my credit report. This is a fraudulent account and it is illegal to place this fraudulent debt on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Carvana Group, LLC
State: CA

Complaint narrative:
I purchased a truck from Carvana approximately XXXX months ago and financed it with my lender, XXXX. On XX/XX/XXXX, the truck was repossessed. No one would explain why, even though my lender notified the California Highway Patrol that XXXX is the lienholder and I am the registered owner. The truck had a sunshade, so the repossessors could not verify the VIN but instead used XX/XX/XXXX to locate and verify the vehicle. When I called the police and XXXX XXXX XXXX (XX/XX/XXXX ), they refused to speak with me because I am not the account holder. Carvana waited almost XX/XX/XXXX before calling to say it was XXXX fault. I have requested many documents and explanations, but nothing has been provided except that Carvana now wants me to sign a third-party lien release, which still states that no one is at fault. Yesterday, a rude XX/XX/XXXX repo agent called and demanded that I retrieve the car. Today is XX/XX/XXXX, and I am still making payments on a truck that has not been in my possession since the repossession. I am currently out {$1000.00} on a rental car and can not afford additional weeks of rental-car payments while the truck remains unavailable to me. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation