vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
This submission is an addendum to my previously filed CFPB complaint regarding the repossession of my vehicle. 

On XX/XX/year> I contacted the lender by phone after repeated email requests from the lender stating that my concerns would only be addressed by calling a provided number. I spoke with a representative identifying herself as XXXX  from the XXXX XXXX XXXX. The call was recorded by the lender. 

During this call, I was informed of the following : The lender does not accept disputes submitted in writing or by email ; In order to dispute the repossession, I was required to verbally restate the reasons for my dispute on a recorded line, even though I had already submitted a written dispute ; The lender would not provide written confirmation of the investigation, findings, or outcome ; The lender would not issue any reference number or written record of the dispute process ; and I would be required to repeatedly call in to check whether an internal investigation had been completed, as no outbound updates or written determinations are provided. 

I explained that I had already submitted a written dispute and requested that, due to the nature of the matter and ongoing regulatory review, any determinations or conclusions be confirmed to me in writing. That request was declined. I was told that no dispute would proceed unless I verbally restated the facts during the call, or unless an attorney contacted the lenders attorney-retained department. 

I clarified that I was not refusing to cooperate and that I remain willing to respond to written inquiries or review a written determination. However, I declined to restate disputed facts orally on a recorded line as a condition of having my dispute reviewed. 

I am submitting this addendum to document the lenders refusal to accept or address my dispute in writing, the lack of transparency in the dispute process, and the absence of any written confirmation, reference number, or determination following notice of dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am submitting this complaint to escalate Goldman Sachs Bank USAs handling of a fraudulent Apple Card account that continues to be reported on my credit report despite formal disputes.

Goldman Sachs previously responded to a CFPB complaint by asserting that I am liable for the account based solely on internal records and alleged electronic consent. The Bank admitted it can not provide a signed agreement, can not provide device or IP verification, and refuses to disclose investigation details. Despite this, the Bank continues to report the account as accurate.

This response demonstrates a failure to conduct a reasonable investigation as required by 15 U.S.C. 1681s-2 ( b ). A reasonable investigation requires verifying that the account was actually opened and authorized by the consumer, not merely confirming that internal records exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding American Expresss handling of a disputed credit-card charge in which the bank mischaracterized my claim, failed to evaluate coercion and misrepresentation, and defaulted improperly to a merchants no-refund policy despite evidence that valid consent did not exist. 

I disputed a {$10000.00} charge from XXXX XXXX XXXX on XX/XX/year> for a XXXX XXXX purchased at XXXX XXXX XXXX XXXX My dispute was not based on dissatisfaction with the product. It was based on coercive sales tactics, misrepresentation, and lack of meaningful disclosure at the point of consent.

I was kept seated in a sales chair for over an hour while multiple sales representatives rotated through the interaction. As my flight departure approached, urgency was deliberately escalated. My credit card was taken from me while I remained seated, I was not taken to a checkout counter, and I was rushed into signing electronically. I was not informed verbally or in writing that the purchase was final or non-refundable before signing, and I was not given a meaningful opportunity to review the terms.

The merchant later admitted in writing that some information may be unclear because of the rush and that there was sales representative misinformation. Despite this, American Express repeatedly reframed my dispute as dissatisfaction with cosmetics and relied primarily on the merchants assertion of a no-refund policy allegedly posted in a checkout area I was never brought to.

By defaulting to merchant policy rather than evaluating whether valid consent existed, American Express failed to properly investigate a billing error under the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: MN

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX SENT VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED Re : Request for Debt Validation account number XXXX XXXXXXXX To Whom It May Concern : I am writing in response to your letter regarding an alleged debt referenced above. I do * * not * * acknowledge that I owe this debt and am exercising my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Pursuant to federal law, I request that you * * validate and verify this debt * * by providing me, in writing, all information that substantiates your claim within thirty days, including but not limited to : 1. The name and address of the original creditor.

2. The original account number and any reference number you use.

3. An itemized statement showing how the amount claimed was calculated, including principal, interest, fees, and credits.

4. A copy of the original contract or agreement that you allege I signed or are otherwise bound to.

5. Complete chain-of-title documentation showing how this debt was transferred or assigned to your agency.

Please * * cease all collection activity and communication * * with me until you have provided the requested verification of this debt. I also request that you * * do not report this alleged debt to any credit reporting agencies * * unless and until validation is complete.

This letter is not an acknowledgement of liability for this alleged debt. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint regarding Capital Ones denial of my fraud claim involving in unauthorized debit card transactions and savings movements.

I did not authorize these transactions and did not give permission to any individual to use my card, PIN, or account. Capital One denied my claim solely on the basis that the transactions were completed using chip and PIN and that account activity appeared consistent, without proving that I performed or authorized the transactions.

Under Regulation E, the use of a card, PIN, or device alone does not constitute authorization. Capital One failed to conduct a reasonable investigation and improperly classified these transactions as authorized despite my timely fraud report.

I am requesting a full review by Capital Ones executive resolution team, proper application of Regulation E protections, and reimbursement of the unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Account credit systems XXXX in # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide Certified XXXX  '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CarMax, Inc.
State: SC

Complaint narrative:
This complaint concerns an imminent repossession sale scheduled for XX/XX/XXXX, despite a pending dispute and unresolved statutory notices. 

On or about XX/XX/XXXX, I sent CarMax Auto Finance a sworn Affidavit of Truth, Notice of Rescission, and Revocation asserting rescission under the Truth in Lending Act ( 15 U.S.C. 1635 ), along with a formal Notice of Error and Qualified Written Request under RESPA ( XXXX U.S.C. XXXX ( XXXX ) ), requesting a full accounting, proof of down payment application, identification of the note holder, itemization of all fees and add-on products, and servicing and assignment records. CarMax Auto Finance XXXX received the sworn Affidavit of Truth, Rescission, and Revocation on XX/XX/XXXX confirmed by XXXX XXXX. 

CarMax Auto Finance later responded on XX/XX/XXXX with only partial information, providing copies of the retail installment contract, a payment history, and repossession-related notices, but failing to provide the specific information requested in the Qualified Written Request. 

On XX/XX/XXXX, I sent a Notice of XXXX and XXXX to Cure, followed by an emergency demand to halt any sale and preserve the vehicle pending resolution. CarMax Auto Finance XXXX received the Notice of Non-Compliance and Opportunity to Cure on XX/XX/XXXX, as confirmed by XXXX XXXX. 

Despite these notices, CarMax Auto Finance issued a notice dated XX/XX/XXXX stating its intent to sell the vehicle on XX/XX/XXXX. XXXX 's XXXX XXXX is where the car is currently located. 

CarMax Auto Finance has not acknowledged or effected rescission, has not cancelled the security interest, has not provided a complete accounting as required by law, and is proceeding toward sale while the dispute remains unresolved. I am requesting CFPB assistance due to the imminent sale and risk of irreparable harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
I am filing a complaint regarding PHH Mortgages handling of my loss mitigation / mortgage assistance application and a denial issued despite timely submission and confirmation of required documents. 

PHH issued a notice stating my application was incomplete and provided a deadline to submit specific items. I submitted all requested documents on XX/XX/XXXX, within the stated deadline. On XX/XX/XXXX, PHH confirmed by telephone that the documents had been received. 

Despite timely submission and confirmation of receipt, PHH subsequently informed me that my application was denied for failure to meet the incomplete application deadline, without identifying any missing documents or reconciling this decision with their prior confirmation of receipt. 

At no point after confirmation of receipt did PHH notify me that additional documents were required before issuing the denial. This denial occurred while foreclosure proceedings were active, placing my primary residence at risk. 

I believe PHH improperly denied my loss mitigation application after it was cured and complete, and failed to provide a clear, consistent, or documented explanation for the denial.

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 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XXXX XXXX LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : COLLECTION AMOUNT {$1000.00} To Whom It May Concern : I am writing in response to your communication regarding the alleged debt referenced above. I dispute the validity of this debit in its entirety.

Under the Fair Debt collections Practices ( FDCPA ), I am requesting verification and validation of this debt. Please provide the following : 1. The amount of the alleged debt, including a detailed breakdown of fees, interest and charges.

2. The name and address of the original creditor 3. Documentation proving I am legally obligated to pay this debt.

4. A copy of any agreement bearing my signature 5. Proof that your company is authorized to collect this debt Until you provide proper verification, you must cease all collection activities, including reporting or continuing to report this account to any credit reporting agencies.

If this debt has been reported to the credit bureaus, please note that it must be marked as disputed.

This letter is not a refusal to pay, but a formal notice that the debt is disputed. Please respond in writing only. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northwestern Mediation Services
State: TX

Complaint narrative:
Today XX/XX/2026 I was contacted by Northwestern Mediation Services and threatened to return their call or they will proceed with legal action. They called my father and my wife also and attempted to discuss my case. This is embarrassing and harassment, and Im terrified to return their call under the fear they may attempt to drain my bank accounts or ruin my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: MD

Complaint narrative:
On XX/XX/year> I called Fidelity.

I am writing to escalate a serious customer service issue that occurred during my recent call regarding my Fidelity credit card account.

I contacted customer service seeking assistance with lowering my interest rate so I could more effectively pay down my balance. The first representative placed me on hold and then informed me that my interest rate could be lowered. She placed me on hold again, at which point the call was disconnected. 

When I called back, I explained the situation to another representative, who initially stated there was no way to assist me, despite what I had just been told. He placed me on hold to involve a supervisor. Supervisor XXXX then took over the call. From the beginning, her tone was argumentative and dismissive. She told me that I had been lied to by the previous representative and instructed me to call back in a few weeks to see if a promotion might be available. 

This interaction was extremely unprofessional, particularly coming from a supervisor. I experienced inconsistent information, a dropped call with no follow-up, and rude treatment while attempting to responsibly manage my account. This is not the level of service I expect from Fidelity.

I am requesting that this incident be reviewed by executive management and that I be contacted regarding both the conduct of the supervisor and whether any legitimate options exist to assist with lowering my interest rate.

I value Fidelity and hope this matter is addressed appropriately.

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