vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
On XX/XX/year>, I submitted a written Billing Error Notice regarding my auto loan account. Wells Fargo Auto received this notice on XX/XX/year> ( XXXX certified mail ). 
Under 15 U.S.C. 1666 and Regulation Z 1026.13, Wells Fargo was required to acknowledge my billing error notice within XXXX days and conduct a reasonable investigation. Wells Fargo failed to provide any acknowledgment by XX/XX/year> and has not provided the requested accounting or investigation results. 
While the billing error dispute remained open and unresolved, Wells Fargo reported late payments to consumer reporting agencies on or about XX/XX/year>, in violation of Regulation Z 1026.13 ( d ), which prohibits adverse credit reporting related to disputed amounts during a billing error investigation. 
XXXX XXXX actions constitute violations of the Truth in Lending Act and the Fair Credit Reporting Act, have caused harm to my credit, and demonstrate a failure to follow required dispute resolution procedures.

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 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint against LVNV Funding LLC for continued reporting of multiple collection accounts without providing legally required debt validation or notice. XXXX is reporting XXXX separate collection accounts associated with different alleged original creditors and balances, yet has failed to comply with federal law despite repeated disputes submitted over XXXX months ago. 
The accounts in question include : XXXX Funding LLC Account # XXXX Balance {$1600.00} XXXX Funding ( Original Creditor : XXXX XXXX XXXX XXXX. ) Account # XXXX XXXX {$1300.00} I have never received any written notice of these alleged debts, including the required initial communication and notice of my right to dispute under FDCPA XXXX ( a ). Despite multiple written disputes and validation requests, XXXX has failed to provide any documentation whatsoever to substantiate these accounts. No proof of ownership, no chain of assignment, no original contract, no itemized statements, no payment history, and no evidence that XXXX has legal standing to collect or report these debts. 
I have done extensive research on XXXX XXXX and am fully aware that proper validation requires, at minimum : Proof of ownership of the debt ( bill of sale or assignment ) A complete chain of title from the original creditor to XXXX The original signed agreement or contract An itemized accounting of the balance claimed Payment history showing how the amount was calculated Evidence that the debt is within the statute of limitations Proof that XXXX has the authority to report to consumer reporting agencies XXXX has provided none of the above. Continuing to report these accounts without verification violates FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing inaccurate or unverified information ), FCRA 611 ( failure to reasonably investigate disputes ), FDCPA 809 ( b ) ( continuing collection activity without validation ), and Metro 2 reporting standards, which require accuracy, completeness, and verifiability. 
Each willful violation of the FCRA and FDCPA carries statutory liability of up to {$1000.00} per violation, in addition to actual and punitive damages. LVNVs continued reporting after months of unresolved disputes demonstrates reckless disregard for its legal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NY

Complaint narrative:
I am submitting this complaint because Jefferson Capital Systems is attempting to collect a debt that is the result of identity theft. I did not open, authorize, or benefit from the account associated with this debt. 

I became aware of this account only after it appeared on my records and/or through collection attempts. I have never had a business relationship with the original creditor connected to this account, nor did I give anyone permission to open or use an account in my name. 

I have already taken steps to report this as identity theft, including filing an identity theft report. Despite this, Jefferson Capital Systems continues to report and/or attempt to collect this fraudulent debt. 

I am requesting that this matter be investigated, that Jefferson Capital Systems provide proper validation of the debt, and that they cease all collection activity related to this account, as it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Albert Corporation
State: KS

Complaint narrative:
Albert is refusing to allow me to withdraw {$1000.00} from my savings account unless I agree to a paid subscription. When I canceled a $ XXXX family plan, the system automatically forced enrollment into a $ XXXX plan just to regain access to my account and withdrawal features. 

Additionally, Albert will only link my money market account ( which has no debit card ) and will not properly link my checking account, preventing withdrawal of my funds. 

This has effectively locked me out of my own money and constitutes deceptive and coercive practices. I am requesting immediate release of my funds, cancellation of all subscriptions, and confirmation that no further charges will occur.

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 2026-01-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
To Whom It May Concern, This letter serves as formal notice that I am requesting you cease and desist all communication with me regarding the alleged debt referenced above, effective immediately. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), you are hereby instructed to stop contacting me by phone, email, mail, or any other means. You may only contact me to confirm that you will comply with this request or to notify me of specific legal action being taken, if any. 
This request is not an acknowledgment of liability for the alleged debt. 
Failure to comply with this notice may result in documentation of violations and further action as permitted by law. 
Thank you for your prompt attention to this matter. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On the morning of XXXX XX/XX/XXXX, I logged onto my computer to check my emails. I noticed many Truist Bank email alerts dated XXXX XX/XX/XXXX to my email address regarding my condominium association 's business bank account ID being changed, new mobile numbers, bank account login detected, temporary passwords generated, password changed, new email address added, and a new XXXX added to the business profile. Per the emails, it stated that if you don't recognize this change, please call us. I immediately called XXXX. I was told that I had to physically come into the bank to report the fraud. Less than XXXX minutes later, I arrived at the XXXX, MD Truist bank where I opened the business accounts on XXXX XX/XX/XXXX. I reported the fraud/unauthorized access and showed the emails to the bank representative ( XXXX ) XXXX XXXX told me to contact the HOA and did not enforce the banking policy. Truist violated their banking policies despite the documented emails to include the email reflecting that the business accounts will remain frozen until the following occurs ( XXXX. Current Person signer comes in with replacement to be added to the relationship ; XXXX. Court Order ; or XXXX Letters from both sides of attorneys that they are in agreement to next steps stating what they agree to ). I as the current signer did not add a replacement. I have not seen a court order, and both sides of attorneys have not met. Truist did not safeguard the business checking accounts. Truist enabled the fraud and unauthorized access. They did not first contact me ( the current signer and authorized signatory ). I also find this very disturbing because I discussed this matter over the XXXX XX/XX/XXXX recorded line with another Truist Bank XXXX XXXX XXXX XXXX ) and I also sent her several emails. Again, I'm not sure why Truist did not contact me, violated their banking policies, and allow this unauthorized access to occur.

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 2026-01-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: CA

Complaint narrative:
I have been calling in to Optum Bank who manages my HSA several times because their website tells me to call in to " verify '' my information with them, but their customer service has no idea what I am talking about. I have no online access to my account, they deactivated my HSA debit card and I can not access any of my account statements. Their phone lines don't pick up, and their phone system constantly hangs up on me. I have to call in multiple times per day in an attempt to reach someone. They have locked me out of my account of more than {$3000.00} and are not returning calls or working to resolve the situation. My account was locked out with no notice or reason and they can't figure out how to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am writing to file a formal complaint against American Express ( account ending in XXXX ) for fraudulent account activity and illegal debt collection practices. I am the victim of identity theft, and my personal and professional information was used without my consent to open multiple loans, credit cards, and lines of credit, including the account referenced above I am writing to file a formal complaint against American Express ( account ending in XXXX ) for fraudulent account activity and illegal debt collection practices. I am the victim of identity theft, and my personal and professional information was used without my consent to open multiple loans, credit cards, and lines of credit, including the account referenced above. 

Under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act ( ITADA ), I have the legal right to dispute this debt as fraudulent and request that American Express cease all collection efforts related to this account. Despite this, American Express has continued to pursue me for the alleged debt and failed to provide any proof of my involvement or consent in opening the account.

American Express has failed to provide any documentation or evidence showing my signature or involvement in the opening of this account. The Fair Debt Collection Practices Act ( FDCPA ) and Regulation F require that debt collectors provide verifiable documentation upon request. Specifically, under 15 U.S.C. 1692g of the FDCPA, the creditor must provide sufficient proof that the debt is legitimate and that the consumer is responsible for it.

To date, American Express has not provided any signed application, documentation, or verification of the debt that links me to this fraudulent account. As such, they are in violation of my rights to dispute and request proof of the debt.

American Express is unlawfully attempting to collect a debt that was not incurred by me and is not my responsibility. In accordance with the FDCPA ( 15 U.S.C. 1692e ), debt collectors are prohibited from using misleading or deceptive practices. By continuing to pursue this debt without providing evidence of my responsibility for it, American Express is violating my rights and engaging in illegal debt collection practices.

Additionally, under the FCRA ( 15 U.S.C. 1681s-2 ), any reported debt from identity theft must be removed from my credit report. I have requested this debt be removed, yet it remains on my credit file, further damaging my financial reputation and standing. 

I have also disputed the fraudulent accounts related to this debt with the major credit bureaus. Under the FCRA, once I reported the fraudulent activity, American Express was required to investigate and correct any errors on my credit report. However, American Express has failed to take appropriate corrective action, which is another violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I would like to report XXXX XXXX in XXXXXXXX XXXX  and aXXXX XXXX  for violation of ( XXXX ) the truth in lending act among other violations. On XX/XX/XXXX was so an XXXX mdx from XXXX XXXX in XXXX nj from sales man XXXX XXXX. I was charged an additional XXXX dollars down payment on top of my XXXX check. There was no adverse action letter. There is no signature in the notary page and my signature was forged on another document for a car care service plan. This was a credit sale using my social to XXXX financial. The car was repossessed by alley financial in XX/XX/XXXX With out proper notice. They could not give me the remaining balance on loan when asked and up to this date has yet to notify me of the vehicle was commercially sold at fair market value.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was using citi as my business bank account. On XX/XX/year> a customer of mine sent me a wire for {$110000.00}. On XX/XX/year> my accounts were closed with no explanation. I contacted citi and they said they have decided to end relationships. I got a letter in the mail saying all funds would be sent to me via check. Fast forward to XX/XX/year> they tell me there are no funds available when I had my Business Checking had {$110000.00}. I have asked them multiple times to send a check and they are telling me they will not and the only way I can get my money is if the sender of the wire retracts the wire. I contacted the sender but they said the bank would not let them do this without marking the transaction as fraud. I asked citi to revert the wire themselves but they said they can not. I have spent countless hours on the phone and have made countless trips to the bank for nothing to be resolved. They have been holding my money for almost XXXX months now.

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 2026-01-03 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: BTH Management
State: NC

Complaint narrative:
I am submitting this complaint regarding Plaza Services , LLC for unlawful debt collection and inaccurate credit reporting. 

I submitted a written debt validation request on XX/XX/year>, which Plaza acknowledged on XX/XX/year>. Despite this, Plaza reported the account to XXXX XXXX XXXX  on XX/XX/year>, before providing any validation, violating 15 U.S.C. 1692g ( b ) ( FDCPA ). 

On XX/XX/year>, XXXX reported the account as closed, but XXXX  still reports it as active, which is inconsistent and inaccurate reporting in violation of 15 U.S.C. 1681s-2 ( b ) ( FCRA ).

I have already disputed the account with XXXX, yet Plaza continues to report inaccurate information.

I am requesting the tradeline be corrected or deleted, and that Plaza cease all collection activity until proper validation is provided. 

This debt is an installment loan from XXXX XXXX North Carolina, which Plaza Services is attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: FL

Complaint narrative:
Wells Fargo Bank supplied paperwork showing that I did not owe any money, but are refusing to release the lien, even though its an electronic lien and they have to do it according to the state of Florida.

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 2026-01-03 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hello, Promotion included no interest if paid in full by grace period. I spoke to a representative who confirmed they would remove the interest since I would be paying in full. The interest was not removed completely, resulting in another call from me to ask them to remove it. They are now asking me to pay an additional {$180.00} in interest after I was told it would be at a zero balance. I asked representative to confirm there would be no additional charges after and she could not guarantee any other charges. Please investigate to entirety. Very unfair and unethical practice. 


Thank you!

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 2026-01-03 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: Westlake Services, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased a used XXXX XXXXXXXX XXXX from XXXX XXXX XXXX in XXXX, CA. The deal was structured with a {$20000.00} down payment funded by a XXXX XXXX XXXX XXXX XXXX XXXX ) pre-approved auto loan blank check ( which requires XXXX to be the first lienholder ) and {$9800.00} financed through Westlake Financial. 
In late XX/XX/XXXX, the finance manager at XXXX XXXX XXXX informed me that Westlake is the first lienholder and that the only way to resolve the issue is for me to take out a personal loan to pay off Westlake. 
As of XX/XX/XXXX ( over 90 days after purchase ), the California XXXX has no record of any registration or title submission for the vehicle only a smog test is recorded. The dealer-issued temporary operating permit has expired, and I am unable to legally drive the vehicle.

No permanent registration or plates have been provided, and the lien/financing conflict remains unresolved despite my attempts to work with the dealer and Westlake. 
I am seeking resolution, including proper titling with XXXX as lienholder, cancellation of any conflicting financing, issuance of registration/plates, and no additional cost to me for the dealer 's handling of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX there was direct deposit {$960.00} to my account in card I I could only transfer {$600.00} to my account in I withdraw {$200.00} later night {$40.00} on XXXX 's for family after that's was told wait XXXX transfer rest funds I try transfer XXXX they blocked my card to XX/XX/XXXX finally unblocked my card in in realized after I seen receipt I {$350.00} IN ACCOUNT SO I withdraw {$300.00} I realized rest money was missing that was already on my physical card

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 2026-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: AMERICAN BANCSHARES MORTGAGE, LLC
State: MI

Complaint narrative:
On XX/XX/year>, I received a written text message from the lender stating that my loan was approved for {$88000.00} and that it would be submitted for final approval after updated title work. I relied on this approval to proceed with the transaction and coordinate with the title company. 

At closing, the loan was funded at {$83000.00} {$5000.00} less than the approved amount without any prior written notice, revised approval, or explanation for the reduction. I repeatedly requested clarification from the lender, but responses were delayed, incomplete, or required escalation to a manager before any explanation was provided.

The lender ultimately stated that the loan was never approved for {$88000.00} and refused to remit the {$5000.00} difference. I have supporting documentation, including the lenders written approval and the final HUD showing the reduced funding amount. 

I am seeking resolution of the {$5000.00} discrepancy and written documentation explaining the reduction, along with assurance that proper disclosure procedures will be followed in future transactions.

Company response to consumer: Closed with explanation