vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 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:
Finding out that someone had a credit card opened in my name I disputed it and tried to stop it tried to get to creditors to investigate it they come back saying it was my credit and I did everything they could do then they turn it over to a debt collectors. After XXXX  take me to court they turn it to debt collectors which bought my credit which have nothing to do with me no XXXX  from me allowing them to sell it or buy it, take recovery people trying to help me repair my credit and get this fixed with all the other information that is wrong on my credit as far as addresses names telephone numbers work stuff that should not be on the credit bureaus website. Enclosed in this with the attachments will be everything that I could gather to send to you for this what is reported on each credit bureau what is recorded on what is owed what is paid off what is charged what is collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Paramount GR Holdings, LLC
State: AZ

Complaint narrative:
On XX/XX/year>, I spoke with the companys Title Department and was transferred to XXXX. I was advised that the account is closed and that the UCC filing should have already been lifted. I was told the person responsible for UCC filings was out of the office and would return on XX/XX/year>. During this call, I explained that my roof was being replaced and the solar panels would not be reinstalled. XXXX advised that the roofer could dispose of the panels as they saw fit. 

On XX/XX/year>, I called and spoke with XXXX in the Title Department. She stated my point of contact would be XXXX XXXX, who was in a meeting and would call me back. I again raised the issue of disposing of the panels during roof replacement. XXXX stated she was unsure of the process and asked what XXXX had advised, noting he had more experience. I explained that XXXX stated the panels could be disposed of. 

Later on XX/XX/XXXX, I spoke with XXXX XXXX in the Title Department. I asked whether the company wanted the panels returned if they were removed. XXXX consulted with another department due to the account being in deficiency and having gone through XXXX  XXXX bankruptcy. She asked that I call her back at XXXX XXXX  XXXX once she had additional information. 

I later spoke again with XXXX, who advised that XXXX was still out to lunch and would return my call. When I subsequently spoke with XXXX XXXX, she stated she was waiting for internal approval to remove the UCC filing. She explained the UCC would typically be removed electronically, though sometimes a check must be sent to the county. During this call, XXXX confirmed that the company does not want the solar panels and that I am authorized to dispose of them. 

On XX/XX/year>, I was transferred to the Title Department and spoke with XXXX, who placed me on hold to review the account. I requested confirmation in writing that I could dispose of the panels when replacing my roof and requested an update to my email address. XXXX advised that XXXX was still waiting for a response internally. 

At approximately XXXX XXXX  on XX/XX/year>, I spoke again with XXXX XXXX. She stated that although the debt is discharged, the company considers the UCC to remain attached to the property and usually remains until the debt is satisfied. She indicated she was trying to obtain written authorization allowing disposal of the panels. She also stated that the companys legal team would handle arbitration if the matter escalated and that typically a future homeowner would assume the solar system if the property were sold. 
Despite acknowledging that the debt is discharged and confirming that the company does not want the solar panels and has authorized their disposal, the company has failed to release the UCC filing. 

This has created an improper cloud on my property title despite no remaining debt and no remaining collateral.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My deposit for capital one is supposed to be deposited today XX/XX/XXXX. I have yet to receive my check for work. I am unable to pay bills that are due today, due to the check not being submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Tesla, Inc.
State: CA

Complaint narrative:
I am disputing lease-end wear-and-tear charges assessed by XXXX following return of my leased vehicle. XXXX acknowledged inspection errors, relied on a flawed self-inspection process, delayed notification of charges, failed to respond to my written dispute within required timelines, and continues automated payment demands while the dispute is unresolved. XXXX has refused to provide inspection evidence, photos, or repair documentation supporting the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: BlueChip Financial
State: NM

Complaint narrative:
I am charged close to XXXX XXXX XXXX. I believe this is illegal and against the law. I am charged to close to {$1500.00} on a loan. I did not it was XXXX XXXX apr. I believe this should be looked in by the government.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo response appears to be a chronic denial of this complaint and a failure addressing my basic premise. I have NEVER ordered ANYTHING from XXXX or XXXX and their failure to provide proof that I have or received same. After Wells Fargo inadequate response dated XXXX, continued failure to provide proof that the merchandise was delivered to my house, I had my wife place an order with XXXX using her credit card on XX/XX/year>, which is NOT a Wells Fargo charge card , since I do not have any credit cards in my name. only Wells Fargo debit cards. Upon placing her order, she immediately received a Confirmation E mail along with an Order Number and Item description. The item was Delivered to our address at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX at which time she received a Receipt of Delivery E mail, photos of the package delivery at my front door, and another Confirmation of Delivery Text. During ALL of my conversations and correspondence with Wells Fargo, requesting " proof and verification of delivery '', they have NEVER provided ANY proof other then they have Closed the Case. As I previously explained and advised Wells, I have complied fully with the standard cancellation of charges procedures, NEVER placed the order, do not know or have heard of a XXXX XXXX who placed the order. I have copies of all the emails, text, photos, SMS messages proving on XXXX Deliveries standard operating procedure with the fraudulent charges of XX/XX/year>. Wells Fargo continues to fail in providing not only acceptable but adequate customer service but proof that I am responsible for their error 's. I feel Wells Fargo is trying to have me pay for their poor service, inadequate investigative procedures, and bad faith handling of this matter. I continue to request a Full Refund of my charges that I NEVER made. Please contact me with a email address that I can forward proof to you for your validation.

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 2025-12-31 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: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
This card was open in my name and was discovered during divorce. I opened a complaint and want to dispute this with having the police report available and the FTC report as well. My attorney has also been in contact with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: DE

Complaint narrative:
I made a purchase on XX/XX/year> from a seller for XXXX. Ive received a tracking number on the XXXX. The tracking number never updated nor have I received my package. I've contacted the seller multiple times and no response. I disputed the transaction twice and it got denied both times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: King of Credit Financial, Inc
State: CA

Complaint narrative:
XXXX I bought a car from Camacho auto bad news I put XXXX down for a XX/XX/XXXXwhen I received no service on my warranty said it dont cover I was told if I keep the car for XX/XX/XXXX months I can trade it back in for something else I was denied XXXX they told me I need XXXX to trade it in sad I been having problems with the payment people XXXX XXXX and XXXX are the worse people in the world never help me just disabled my car when I was at the gas station and XXXX cut my car off for {$10.00} now Im XX/XX/XXXXdays late on my car note due to life problems on the bank transfer late and now XXXX cut my car off again and laughed at me saying it should be on time bad business I wont out this car and this business need to be shut down

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX # : XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Social Security # : XXXX List of Fraudulent Transactions Date : XX/XX/XXXX XXXX XXXX  {$59.00} ( refunded ) XXXX XXXX  {$82.00} ( disputed, denied, and appealed ) XXXX XXXX {$82.00} ( disputed, denied, and appealed ) XXXX XXXX {$86.00} ( refunded ) Narrative Explanation of Events On XX/XX/XXXX, my wallet was stolen by a homeless individual and subsequently used to purchase cartons of cigarettes at a XXXX gas station approximately XXXX mile from the location where the wallet was taken. 

I contacted the employee on duty at the XXXX location, who was able to identify the individual as a homeless person known to frequent the establishment. The employee confirmed that the individual attempted several transactions before the card ultimately failed to authorize further charges. We requested that the vendor reverse the transactions, but they declined to do so. 

We then contacted Cash App to dispute the charges. Each transaction was required to be disputed individually. A police report was filed the same day as the theft ( Case File # XXXX ). 

On XX/XX/XXXX, we followed up on the dispute. Within minutes, XXXX of the XXXX disputed charges were refunded. However, when we appealed the denial of the remaining XXXX charges, the appeal was upheld and denied within minutes of submission, despite supporting documentation being provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
b'I am disputing an alleged debt that Midland Credit Management, Inc. is attempting to collect. Despite my formal written dispute and validation request, the company has continued to contact me by phone, which violates the Fair Debt Collection Practices Act (FDCPA).\n\n1. Prior Complaint: Filed an initial complaint with CFPB on 1XXXX Complaint ID: XXXX The complaint included a dispute of the alleged debt but was later withdrawn to submit updated evidence.\n\n2. XXXX XXXXent a formal dispute and validation letter via certified mail (Tracking Number: XXXX XXXX XXXX XXXX XXXX XXXX). The letter requested proper validation of the alleged debt and demanded that all future communication be in writing only. Delivery was confirmed via XXXX  tracking.\n(Attached: PDF of letter and XXXX  delivery confirmationXXXX XXXX XXXX XXXX XXXX XXXX Received a phone call from Midland Credit Management at XXXX I did not answer.\n(Attached: Screenshot of call)\n\n4. Previous verbal communications occurred, but I had already requested that all communication be in writing.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was given a whoop watch and a free month subscription using their code. I cancelled the membership immediately to not get charged after the month. After the month was up I get a {$250.00} bill saying I subscribed for a year and I never wanted to. I the disputed it with Bank of America and they never gave me the money back.

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 2025-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
Evidently this collection agency has been sharing my information with someone at a different address and the account was started with an address that is not mine ( they confirmed on the phone on XX/XX/2025 that they did not have the address that is mine on this account to begin with ). I have experienced fraud since then. I am not at the address that they have on file and I called the number on my credit report and they confirmed that they dont have my correct address but would not tell me which address they have been sending my information to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
This institution violated my rights and I would like the loans accrued from this institution removed from my credit report in totality from XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian, I am writing to formally dispute the accuracy of the following collection account currently appearing on my Experian consumer credit report. This dispute is made pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and Metro 2 reporting standards. 



Disputed Account Information Collection Agency / Furnisher : XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX  Balance Reported : {$1300.00} Account Status : Open Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Responsibility : Individual Remarks : Consumer disputes this account information Reason for Dispute This account contains inaccurate, inconsistent, and/or unverifiable information, including but not limited to : Failure to properly verify ownership of the alleged debt Incomplete or inaccurate reporting under Metro 2 compliance standards Failure to provide verifiable documentation supporting the reported balance, account status, and reporting dates Potential inaccuracies related to the Date of First Delinquency ( DOFD ) and reporting timeline Under FCRA 611, Experian is required to conduct a reasonable investigation and verify the accuracy of all reported information with the data furnisher. 



Demand for Action If XXXX XXXXXXXX XXXX can not fully verify this account with competent, documented proof, including original contracts and complete account history, this account must be deleted from my Experian credit file. 

Please complete your investigation within 30 days, as required by law, and provide me with written confirmation of the results of your 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 explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: HYUNDAI CAPITAL AMERICA
State: CO

Complaint narrative:
I financed a KIA vehicle through KIA Financial in XXXX. I was in an accident in XXXX, and the vehicle was totaled. I continued making payments on my loan during the whole insurance process. I never had a single missed or late payment, either before or after the accident, and yet Kia Financial reported the remaining balance ( approximately {$1500.00} ) as a charge off without any warning and ruined my credit. I paid the remaining balance immediately, however they have refused to even speak to me about rectifying their error and the charge off remains on my credit. I attempted to dispute it with them three times over the last 12 months - once by phone, once by email, and once by mail - and each time I was told someone would contact me but no one ever has. 

I am attaching my XX/XX/XXXX statement, which is the last statement I received showing {$0.00} due for a payment and no indication of any late payment due. I am also attaching a copy of my current credit report. Page 31 shows details about the Kia Financing, showing that it was charged off in XX/XX/XXXX just weeks after that final statement showing a balance of {$0.00} due and {$0.00} overdue. Kia NEVER notified me that it was going to be charged off. I consider this fraud against me.

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 2025-12-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Student loan should have been in deferrment for XX/XX/XXXX and XX/XX/XXXX due to daughter being in school. Company placed a 30 and 60 day late notice on my credit without proper notice of loan being in repayment. I did not receive notice to dispute either. When calling company to notify she was still in school they placed a deferrment but refused to correct late payment sent to credit bureaus. We notified them we did not receive notice of repayment and only noticed because of credit drop. They again did not inform us we could dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: MIDFIRST BANK
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone : XXXX Email : XXXX Loan Number : XXXX CFPB Case Numbers : XXXX / XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau Via CFPB Portal Re : Response to Midland Mortgage CFPB Submission Dear Sir or Madam, I am submitting this follow-up because Midland Mortgage did not respond to the specific issues raised in my prior rebuttal.

Instead of addressing my concerns, Midland simply re-sent its XX/XX/XXXX response verbatim, without providing any new explanation or clarification. 

To date, Midland has still failed to address the following points : The unexplained discrepancy between the originally stated fee balance of {$3000.00} and the later claim that bankruptcy-related attorney fees total {$1400.00}. No explanation has been provided as to where the remaining amount came from or why the figures changed.

The contractual basis for assessing bankruptcy attorney fees against me when I did not file bankruptcy, my mortgage was not included in any bankruptcy case, and my wife ( who filed individually ) is not a borrower on the loan and has no ownership interest in the property.

Any citation to specific language in the note or mortgage that authorizes Midland Mortgage to charge these fees under these circumstances.

Midlands failure to respond substantively to these issues, after they were clearly raised, is concerning. Repeating a prior response without addressing the actual dispute does not resolve the matter. In addition, Midland Mortgage did not prove that they were unable to begin foreclosure proceedings, and if that is the case, attorney fees should not have been assessed to begin with.

I am requesting supervisory review of this complaint and ask that Midland be required to provide a complete, good-faith response that directly addresses the discrepancies and identifies the contractual authority they are relying upon. 

Thank you for your attention to this matter. 

XXXX XXXX

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