vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 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: CarMax, Inc.
State: CA

Complaint narrative:
I am a licensed dealership that purchased a vehicle through a wholesale transaction from XXXX XXXX. At the time of sale, we were provided with the vehicles title along with a photocopy of a lien release from CarMax Auto Finance. After the sale, we discovered that CarMax Auto Finance reappeared as an active lienholder in the DMV record, preventing us from transferring title. Details of the Issue : The loan associated with this vehicle has been paid in full. However, CarMax Auto Finance has failed to provide a valid lien release necessary to complete the title transfer. I contacted CarMax Auto Finance on five separate occasions requesting a duplicate lien release. I was instructed to submit documentation, including : A copy of the title The photocopy of the lien release Proof that we possess and own the vehicle All requested documentation was submitted via fax on XX/XX/year>. On XX/XX/year>, I was informed by a representative that the lien release had been mailed on XX/XX/year>, and to expect delivery within 710 days. However, upon following up, I was told that the lien release was not sent and would not be sent. I escalated the matter to a supervisor ( XXXX XXXX, who stated that CarMax Auto Finance does not work with third parties and refused to provide any assistance, despite previously instructing me to submit documentation and confirming the release had been mailed. Impact : Because CarMax Auto Finance has failed to provide a valid lien release or properly clear the lien from the DMV record, we are unable to transfer title or legally sell the vehicle. This has caused financial harm and operational disruption to our business.As a third party, they are limiting communication. However, if the car is officially " paid in full, '' they are legally obligated to release the lien Requested Resolution : I am requesting that CarMax Auto Finance : Immediately provide a valid lien release for this paid-in-full loan, or Electronically notify the DMV to clear the lien from the vehicle record As a third party, they are limiting communication. However, if the car is officially " paid in full, '' they are legally obligated to release the lien

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
On XX/XX/year>, my apple card was charged {$58.00} on the platform XXXX with my authorization. The purchase was made using an old XXXX that my kid uses. I attempted to cancel the order immediately with the seller in XXXX once i got the transaction notification, the seller denied my cancellation. I then tried to dispute it through the credit card company and my dispute was denied. During this dispute process I was assured that I am never responsible for unauthorized transactions on your Apple Card account., yet I feel like they are making me completely responsible for this unauthorized purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
This loan was approved and dispersed without our approval. The signatures on the right to cancel this loan remaining in question. Other documents received from Wellls Fargo are questionable. {$65000.00} of overpayment has been collected by Wells Fargo because of this loan. Wells Fargo insists this loan with no cash payout is legal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: GA

Complaint narrative:
I purchased a welder and canceled the order, I was getting no response from merchant so I filed a chargeback on XX/XX/XXXX the bank waited till XX/XX/XXXX to contact merchant. Merchant responded XX/XX/XXXX Citibank waited till XX/XX/XXXX to respond saying it was my problem. They never asked for documents till that time and told me too much time had lapsed and it was my problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: WI

Complaint narrative:
My vehicle has been paid off since XXXX of XXXX and XXXX XXXX has yet to release my title which in Wisconsin it needs to be done electronically. I have called everyday and get hung up on, passed off, ignored, left on hold. I will not waste anymore of my time on hold. This is not the first complaint about Westlake I know that for sure. Please consider shutting this company down.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was contacted about a job with a startup insurance company. Went through interviews. Was hired and received formal offer. Was going through onboarding and was advised they would send me money to buy computer equipment. I cooperated since I had worked for startup before and they have odd rules sometimes. I wired {$22000.00} but immediately got suspicious and asked for ID of person who was in HR. They disappeared. I contacted Bank of America within XXXX hour of wiring funds to demand they be clawed back.No response yet other than opened an investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I was sued by LVNV for monies not owed debt amounts were incorrect due to fraud on a credit card account. They obtained my social security number illegally, I never signed paper work with them nor did I ever provide them with my social. They never notified me of lawsuit the address listed on the court documents is an address and have never lived at. They received a total of XXXX dollars by way of garnishment. I am now being harassed by resurgent debt collection on behalf of LVNV. I am a military spouse and reviewed orders to move from state to state, LVNV played upon that to falsify my location which is easily found as I am a registered XXXX spouse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I booked a {$290.00} round-trip plane ticket from XXXX to XXXX XXXX with a cashapp card on a third-party site called kiwi.com on XX/XX/year> for a flight in XXXX for my little sister 's college graduation through a site called kiwi.com. They notified me on XX/XX/year> that my itinerary has changed, and the new time would make me miss her graduation. They gave me the option to accept the new itinerary or receive a refund. After I chose to receive a refund, they notified me that I will not be receiving XXXX. I did some research and kiwi.com is notorious for changing and canceling people 's flights and never giving refunds. On XX/XX/year>, I filed a dispute with cashapp since and they denied my dispute. I don't even make $ XXXX a year and I live paycheck to paycheck, so I can't afford another ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: CT

Complaint narrative:
Enrolled at XXXX XXXX I withdraw at the XXXX day. I don't agree with the amount of money they want to charge me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have no knowledge of this account and did not authorize it. I believe this may be the result of identity theft or a reporting error. Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and remove this account from my credit file as soon as possible. I have included copies of my identification and any supporting documentation. Please notify me in writing once your investigation is complete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am filing a complaint against Bank of America regarding a checking account that was opened and then apparently denied without notice. I have excellent credit, over XXXX, and a strong banking history. I opened a new Bank of America checking account for a {$500.00} promotional bonus. The account appeared to be fully opened and active. I deposited {$100.00}, accessed it through the mobile app and website, received my debit card, and successfully activated it. A few days later, I could no longer log in online or through the app. The system said my account did not exist. After several days, I called customer service and was told my application had been denied because Bank of America could not verify my identity. This made no sense because they had already opened the account, accepted my deposit, issued a debit card, and allowed me to activate it. I had also arranged for a {$4000.00} direct deposit from my employer to go into this account, and Bank of America told me those funds would be returned to my employer. I received no email, letter, or other notice that the account had been denied or closed. I only learned this by calling. I am requesting a written explanation of why this account was opened and activated before being denied, confirmation of what happened to my {$100.00} deposit and attempted direct deposit, and a review of Bank of Americas notification and verification 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 monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After diligently checking my credit report I realized that I have been a victim of identity theft. I have noticed fraudulent accounts and inquires on my credit report. Please help me to remove them as I have nothing to do with them. Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Credit Report Dispute - XXXX XXXX Account To Whom It May Concern, I, XXXX XXXX, am writing to formally dispute inaccurate information appearing on my XXXX credit report. The following account is listed on my credit file and is incorrect : Creditor Name : XXXX XXXX - All Account Number : XXXX Balance Reported : {$3500.00} Account Status : Closed Charge-Off I am disputing this account because the company reporting this debt is a third-party and not the original creditor. I do not owe this third-party company any debt. The information being reported is inaccurate and must be investigated. I also have a police report as well for Identy theft case number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Mercury Technologies, Inc.
State: KS

Complaint narrative:
In XX/XX/year>, we opened a business checking account with Mercury for a newly formed LLC. Shortly after account opening, multiple initial capital contributions ( totaling approximately {$16000.00} ) were sent via ACH/EFT from the LLCs members personal bank accounts, as required by the operating agreement. On XX/XX/year>, Mercury notified us that the account was restricted and then subsequently closed, citing a breach of Terms of Service or Deposit Account Agreement without providing a specific explanation. Mercury further stated that all funds would be held for a minimum of 60 days before being returned by check. All funds deposited were legitimate equity capital contributions from identified LLC members. No third-party, pass-through, or customer funds were involved, and no business operations or transactions had yet occurred. We promptly provided extensive documentation to Mercury, including formation documents, operating agreement, identification, and detailed transaction records showing the source of funds. Despite this, Mercury has not provided any clarification regarding the alleged breach or responded meaningfully to follow-up communications. This action has effectively frozen the companys initial capital and prevented the business from commencing operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified debt reporting by Midland Credit Management. Midland Credit Management is reporting a collection account on my credit report in the amount of {$1100.00}. I previously sent a written request for validation of this alleged debt, requesting documentation including a signed contract, complete payment history, proof of ownership or assignment of the debt, and documentation showing I am legally responsible for the account. Midland Credit Management failed to provide any of the requested documentation. Instead, the account continues to be reported and has been marked as verified with the credit bureaus. I also disputed this account with the credit bureaus, and the account was verified without any documentation being provided to me explaining how the verification was conducted. To date, I have not received any evidence that I am legally obligated for this debt. This raises concerns regarding compliance with the Fair Debt Collection Practices Act 809, which requires debt validation, and the Fair Credit Reporting Act 611 and 623, which require a reasonable investigation and accurate, verifiable reporting. I am requesting that Midland Credit Management either provide proper documentation validating this debt or immediately delete this account from all credit reporting agencies. The continued reporting of an unverified account is negatively impacting my credit and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Advance America, Cash Advance Centers, Inc.
State: LA

Complaint narrative:
I took the loan for {$120.00} on XX/XX/year> at XXXX and I realized that I didn't need the money after all so I tried to get online this morning on XX/XX/year> to give the money back and it wouldn't let me. It said I had to contact customer service. I finally was able to get someone on the phone around XXXX or XXXX today and I explained I didn't need the money and I changed my mind and wanted to give the money back. I was told that I couldn't do that and that I couldn't pay the money back for 4 days when they were legally able to charge me interest. I have taken out loans before,, payday, finance, etc. And every loan the documents clearly stated that I have XXXX hours to change my mind and give the money back with no obligation. So I don't understand why they couldn't do that with this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As per 15usc 1611 Experian XXXX XXXX XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. XXXX XXXX XXXX XXXX XXXX. Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : XXXXXXXX XXXX XXXXXXXX. Cc : Federal Trade Commission. Cc : State Regulatory Agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
On Friday XX/XX/XXXX I was notified via email that Rocket mortgage was asking to start foreclosure on my home. I am currently with my loan and dont understand why this is happening? I spoke to a woman in rocket mortgages XXXX department since I am in an XXXX XXXX at the moment. She stated to me that she doesnt understand why this was happening since I am current on my payments. She told me to contact my XXXX lawyer and have them ask rocket mortgage lawyer where their grounds for this are coming from. My loan was originally with XXXX XXXX and was sold to rocket mortgage after XXXX. We have never had an issue since weve lived here until this transfer went through. Immediately after the sale I was notified of an escrow shortage and my payment went up. I would just like to be sure I dont lose my home falsely since Ive stayed diligent on staying current on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have no knowledge of this account and did not authorize it. I believe this may be the result of identity theft or a reporting error. Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and remove this account from my credit file as soon as possible. I have included copies of my identification and any supporting documentation. Please notify me in writing once your investigation is complete.

Company response to consumer: Closed with explanation