vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 00:00:00
Product: Vehicle loan or lease — Lease
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: FORD MOTOR CREDIT CO.
State: SD

Complaint narrative:
Ford Motor Credit Company cancelled and discharged my auto debt and issued IRS Form 1099-C declaring cancellation of the debt in the amount of {$48000.00}, with an identifiable event date of XX/XX/XXXX. The account was charged off and closed, and no repossession or enforcement action has ever occurred. 

Despite cancelling the debt and reporting it as discharged to the Internal Revenue Service, Ford Motor Credit Company continues to retain and assert a lien against the vehicle title. This prevents lawful sale, transfer, or clear ownership of the vehicle.

The vehicle has remained continuously registered and lawfully operated in the State of South Dakota, including registration renewal in XX/XX/XXXX, without any repossession or enforcement by Ford Motor Credit Company. 

Ford Motor Credit Company has no lawful basis to retain a lien after cancellation of the underlying debt. Continued retention of the lien constitutes wrongful lien retention and unlawful clouding of title. I have submitted a formal written demand for lien release and delivery of clear title to Ford Motor Credit Company, but the issue remains unresolved.

I am requesting immediate release of the lien and delivery of clear title.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I attempted to withdraw {$300.00} from an ATM located inside a supermarket.

The funds were debited from my Branch checking account, but no cash was dispensed by the ATM.

I immediately kept the original ATM receipt, which shows the date, location, and amount.

I contacted the ATM owner and Branch, but the issue was never resolved, and the funds were never returned. 
I am requesting a manual ATM investigation and a refund of the {$300.00} that was not dispensed.

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 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On more than one occasion my credit was pulled for a Capital One credit card. Ive never applied for a capital one card. Ive been sent two cards and I looked at my credit report, and there has been numerous numerous inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: AL

Complaint narrative:
I am enclosing a copy of a letter that was sent to Synovus Bank on XX/XX/year> : First Latitude Card XXXX XXXX XXXXXXXX XXXX, SD XXXX Re : First Latitude XXXX Account Number ending in XXXX Dear Synovus Bank, In XX/XX/year>, I went online and signed up for the First Latitude Secured MasterCard account that required a {$200.00} security deposit. As time went on, I made purchases totalling {$170.00} using the First Latitude Secured MasterCard. When I tried to make a payment by telephone, I was greeted with a message that stated, If I want to make a payment by phone, I could either pay a {$10.00} fee to speak to a live representative or I could use the special automatic bill pay feature that was a part of my checking account that I initially used to open the First Latitude MasterCard account.

The problem is that there is no other option to make payment for this card. I find this a totally ridiculous way of doing business. Therefore, I WOULD LIKE TO CANCEL MY First Latitude MasterCard Account IMMEDIATELY. I realize that there currently exist a {$230.00} negative balance on my card account and I will remit the monies to pay off that amount as soon as I receive confirmation that the account has been closed. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/year>, I received a bill from First Latitude stating that my new balance was {$120.00}, with a notification that my account is currently closed. 
On XX/XX/year>, I received a bill from First Latitude stating that my new balance is {$200.00}. It appears that every 17 days since the account was closed in XX/XX/year>, I have been charged a late fee of {$41.00} per billing cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Fees or costs after closing
Company: AXIA FINANCIAL, LLC
State: NJ

Complaint narrative:
Upon closure/pay off of the mortgage in XXXX XXXX, AXIA issued a refund check ( {$2800.00} ) payable to a deceased party, for impounded fees not paid, despite their awareness of this fact, i.e., XXXX XXXX provided in XXXX XXXX ; 3 years prior. The paper check was refused by the bank & I requested it be re-issued, several times over a year & half, in the name of the loan co-borrower. XXXX did nothing, no response, for 20 months until ( XX/XX/XXXX ) WA state Attorney General contacted them & they finally acted to re-issue the improperly withheld balance. Another contact demanded interest be paid ; ( 2 % / month for 20 months = {$1100.00} ) AXIA refused saying the " escrow account did not pay interest. '' Another dispute was filed with AXIA ( XXXX XXXX ) but no further response.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Malen & Associates, p.c.
State: NY

Complaint narrative:
So back in XXXXXXXX XXXX XXXX  I went through the lengthy process of trying to fight XXXX XXXX on getting my money back as the sued me and started deducting pay from my paychecks. They realized that when my bank paid it off XXXX XXXXXXXX paid it to someone elses account not mine and said they would refund me. I got a portion of the refund from the sheriffs office but XXXX XXXX never sent me their check which was over XXXX dollars. I had called them and the lawyer was super rude and said he would look into it and never got back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: NRA Group, LLC
State: GA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp.
State: WV

Complaint narrative:
Send a Cease and Desist Letter on XXXX XX/XX/year>, and received a letter from them today about the debit. This account was removed from all three credit reports. This account needs to be removed from my credit immediately. I did not sign any documents for them to sell my debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding an American Express promotional offer for 10 % cash back on XXXX that was presented on my card account. 

When I viewed the offer, it stated 10 % cash back on XXXX and did not clearly disclose any restriction limiting the offer to hotel purchases only. Based on how the offer was presented, I reasonably understood it to apply to XXXX purchases generally. 

After relying on the offer, I contacted American Express customer service regarding the missing cash back. At that point, I was informed that the offer allegedly applied only to hotel bookings, even though this limitation was not clearly shown or disclosed when the offer was presented to me. 

As a customer, I do not have control over how American Express displays or later modifies offer terms. I was not warned that I needed to preserve or screenshot the offer before it changed, and I relied on the offer as it was displayed in good faith. American Express maintains internal records of card-linked offers and their full terms, and I requested that these records be reviewed. 

Changing or clarifying material restrictions only after a customer relies on an offer is unfair and potentially deceptive. Customers should be able to rely on the terms as presented at the time they view and activate an offer. 

I am requesting that American Express honor the XXXX 10 % cash back offer as it was presented to me, or provide an equivalent statement credit or rewards adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CO

Complaint narrative:
On XX/XX/year> I went online looking for chime customer service the number XXXX appear I called the number thinking it was time a man answered the phone claiming to be a time representative he started asking me questions about my account me believing it was time I gave him my information voluntarily he didn't inform me to download an app help desk host I downloaded this app and when I downloaded this app he begin making unauthorized transactions I asked him what he was doing he told me that the transactions were needed to be made in order to increase my withdrawal limit and the funds will be returned back into my account and since my XXXX XXXX was linked to my time account he transferred {$3000.00} out of my chime account into XXXX XXXX  which you use to buy Bitcoin and immediately sold it liquidating the stolen funds He also use my XXXX XXXX  card to send {$920.00} to a merchant name XXXX I XXXX XXXXXXXX later on found out it was a merchant that change gift cards in to cash known especially for scammers and fraudulent charges there was a total of 67 unauthorized transactions all happened in rapid sessions some even made within the same minute in total {$6600.00} train for my checking and savings in a matter of 2 hours leaving me with only {$24.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I pulled my credit reports and identified materially conflicting and internally inconsistent student loan reporting across XXXX XXXX XXXX for the same federal student loan tradelines. The accounts are being furnished in a way that can not be simultaneously true, which indicates data integrity failures, XXXX XXXX field-level inconsistencies, and a lack of maximum possible accuracy. 

On one bureau, the student loan tradeline is presented as transferred/closed with incomplete or blank balance fields, while the same tradeline is simultaneously being furnished as severely delinquent with active delinquency history. On the other bureau, the same loan is furnished as open and substantially past due with a specific balance and scheduled payment amount. These contradictions include inconsistent delinquency severity and incomplete reporting fields that create a materially misleading credit file. 

Help me understand how the same furnisher can report a tradeline as closed/transferred on one bureau, while reporting it as open and 120+ days past due on another bureau, without that being a direct accuracy and completeness problem. These are not minor formatting differences. These are XXXX XXXX XXXX elements : account status, delinquency level, current balance fields, and payment history. 

Federal student loan reporting rules require delinquency reporting only once a loan is 90 days or more past due, and furnishers must report consistently and completely across consumer reporting agencies. TXXXX XXXX XXXX XXXXXXXX credit reporting guidance confirms delinquency reporting begins at 90+ days past due and is reported monthly. 

Because the student loan reporting is contradictory across bureaus and incomplete within the same tradeline, I dispute the accuracy and completeness of the reporting. This dispute triggers the credit reporting agencies obligation to follow reasonable procedures to assure maximum possible accuracy under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). 

It also triggers the obligation to conduct a reasonable reinvestigation and delete or correct any information that is inaccurate, incomplete, or can not be verified under FCRA 611 ( 15 U.S.C. 1681i ). 

This is not a request for basic verification. I am challenging the legitimacy of publishing contradictory XXXX XXXX data points across bureaus. Either the furnisher can substantiate each disputed field with competent records, or the tradelines must be deleted as unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center
State: NY

Complaint narrative:
I am disputing a medical debt that was sent to collections without proper validation. On XX/XX/year>, I visited XXXX XXXX XXXX XXXX due to recurring XXXX XXXX XXXX that had persisted for several hours that day and aggressively the day before. I remained at the XXXX XXXX XXXX  for several hours but was not placed in a private treatment room. Instead, I remained in a shared or waiting-area booth for the duration of my stay. No diagnostic testing was performed, and no XXXX XXXX XXXX XXXX  were conducted. I was told that no acute condition was identified. I received a XXXX XXXX XXXX XXXX XXXX  but was not informed of the name or class of the medication administered. Based on the strength of the effect and the prolonged side effects, it appeared consistent with a strong pain medication, potentially an XXXX based medication, though this was not disclosed to me at the time. I declined optional imaging after being told it would significantly delay discharge another few hours, and I was discharged the same day. I had active health insurance coverage on the date of service. Despite this, The total amount billed was approximately {$2500.00}, consisting of charges from XXXX XXXX XXXX ( {$2100.00} ) and XXXX XXXX XXXX XXXX ( {$390.00} ), both dated XX/XX/year>, for what appeared to be limited services, raising concerns regarding insurance processing, coding accuracy, medical necessity, and the level of service billed relative to the care provided. I attempted to obtain an itemized bill and account information through the providers portal but was unable to do so because no account or bill number was provided. The account was subsequently sent to collections without the provider furnishing an itemized bill, XXXX XXXX, diagnosis codes, or documentation supporting the amount claimed even though I have opted into paperless reporting with the facility. I also attempted to dispute the charges directly with XXXX through available online portals but was unable to do so because the system required an account or bill number that was not provided, and no itemized statement or clear alternative dispute contact information was made available. I am disputing the accuracy and validity of this debt and have requested proper validation. Until appropriate documentation is provided, I dispute that this debt is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello, As noted in the feedback I submitted earlier today ( XX/XX/year> ) regarding my prior CFPB complaint ( Case ID : XXXX ), I am opening this new complaint because the original case ( Case ID : XXXX ) remains unresolved and the CFPB feedback stage did not allow me to submit supporting documentation or evidence files. 

This new complaint is submitted to ensure that the complete factual record is clearly presented and fully reviewed. Attached to this complaint are my written response to Citibanks JXX/XX/year> response, along with the full set of supporting exhibits. These materials include order confirmations, cancellation records, payment method documentation, store pickup records, and credit card statements. 

This complaint expressly references the prior CFPB case ( Case ID : XXXX ) and is intended to supplement the record with complete documentation, so that the dispute may be reviewed and resolved based on the full and accurate facts. 

Thank you for your time and continued support.

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 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Roosen, Varchetti & Olivier, PLLC
State: GA

Complaint narrative:
Thank you for your response. I am in receipt of your statement asserting that I am personally obligated as a guarantor on this account. However, your response does not satisfy the legal requirements for verification or enforcement of a personal guaranty. Please note the following : A personal guaranty must be clearly established and proven. Under general contract law and applicable consumer protection standards, a personal guaranty requires clear, express consent by the individual guarantor. This includes documentation demonstrating that I personally agreed to be bound, separate and apart from the business entity. Proof of obligation requires a valid executed agreement. To date, you have not provided : Original ( Wet ) signed personal guaranty agreement Evidence that I executed such an agreement in my individual capacity Absent a properly executed guaranty ( wet signature, no personal liability can be established. Commercial accounts are not automatically reportable to consumer credit files. Reporting a commercial debt to my personal consumer credit report without legally sufficient proof of personal liability may constitute inaccurate reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Verification through a CBR dispute does not replace legal proof. Furnisher verification responses do not override the requirement to substantiate personal liability when directly disputed by the alleged guarantor. Accordingly, this debt remains formally disputed. Unless and until you can provide competent evidence of a valid, executed personal guaranty, I request that you : Cease reporting this account to my consumer credit file, and Correct or delete any inaccurate reporting related to alleged personal liability. Please provide the requested documentation or confirm deletion within the timeframe required by law. This communication is made for dispute and record purposes only and does not constitute acknowledgment or acceptance of liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo is refusing to investigate {$10000.00} in unauthorized electronic fund transfers. 
Attempts to notify Wells Fargo by email failed because no public email accepts delivery. 
Wells Fargo told me to go to the police instead of opening a Regulation E investigation. 
I am requesting immediate investigation, provisional credit, and written findings.

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 2026-01-21 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
On XX/XX/year> I paid in full the remaining balance of the vehicle to Santander bank. I have proof that they received the funds and was processed on XX/XX/year>. Ive reached out numerous times asking for an official release of lien letter including the VIN # on company letterhead and they refuse to give me this official document. They only sent a generic paid in full letter that states that its not an actual release of lien letter. Without the release of lien letter Santander still holds ownership of my vehicle which is a breach of contract and consumer fraud.

Company response to consumer: Closed with explanation