vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I am filing this complaint with a great deal of frustration and disappointment regarding the collection account reported by JEFFERSON CAPITAL SYSTEMS on my credit report. This account, originally attributed to XXXX XXXX, is not mine, and I never gave consent for it to be reported in any way. 

This account ( Account Number : XXXX ) has been wrongfully attributed to me, and I am deeply upset that it show on my credit report. I have already submitted an FTC Identity Theft Report clearly stating that this account is the result of identity theft. Despite this, the account remains on my report, which is an outright violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b and 1681e ( b ), which require accurate and authorized information to be reported.

It is utterly disappointing that this matter has not been taken seriously, and my credit has been damaged as a result of this blatant error. I demand that JEFFERSON CAPITAL SYSTEMS immediately remove this unauthorized account. I also expect the CFPB to take immediate action to resolve this issue. If no action is taken within XXXX  days, I will be forced to take further legal action, as I will not allow my rights to be violated any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Im a XXXX  replacing, reopening an account as a new account. They asked for copies of my drivers license which I sent not once not twice but three times now Im waiting for a third letter stating that the copies are still blurry and they cant approve the credit card. While Im told I was only a signer on the account with my recently deceased husband, and then I had to open up my own account, the process has been excruciating. Ive never been asked to supply front and back copy of my drivers license. Three times in a row now Im waiting for a fourth time. This is ridiculous. They reported to the credit bureau for 30 years payments that were made to their credit card company but yet I get no credit for being a good customer for almost 30 years. This is outrageous. I let them know that. I asked them to pass the recorded message with a wonderful lady. I spoke with today, XXXX. Its not her fault. She was wonderful. But I have a good credit writing make plenty of money. The only thing I can come up with they dont want my business because they dont make much money on me because I pay off the balance every month. And have done so for years. Ive used their credit card for recurring payments that I make. Thats the only reason why I want to replace it. I dont charge anything else on it. Rating is good financials are good there. Theres no excuse to be treated this way and asked for a fourth time for a copies of my drivers license front and back is redundant. And if I can read the copies, theres no reason why they can not read them. So its an excuse. And I want other people to know that the treatment of a XXXX  and in good standing with their credit card company is absolutely absurd. I asked him to pass along the recording to whoever makes their policies, and or whoever is making these decisions. Its absolutely horrific.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I refinanced a vehicle loan that was originally held by another lender and later serviced by Capital One. The vehicle was titled in Texas. 

Capital One provided a lien release letter confirming that the loan was paid in full in approximately 2019. However, during the refinance process, Capital One did not properly complete the required title and/or lien transfer XXXX the prior lienholder ( XXXX ) with the Texas Department XXXX XXXX XXXX XXXX XXXX ). 

Because the lien transfer was not completed correctly, XXXX Ones lien release could not result in the issuance of a paper title. No electronic lien release was filed in TxDMVs system, and no Texas title was ever issued to me despite the loan being fully satisfied. 

Capital One has acknowledged in phone communications that required XXXX or title transfer steps were not completed during the refinance process. Capital One representatives have stated that these steps were not completed at the time due to COVID-related processing disruptions. 

As a result of this servicing failure, I have been unable to obtain a Texas title for the vehicle for several years, which has prevented me from fully exercising ownership rights, including selling or transferring the vehicle. 

I have contacted Capital One multiple times seeking assistance. Capital One has stated that they are no longer the lienholder and are not required to take further action, despite the title and XXXX transfer failure originating from their refinance servicing process. 

I am requesting that Capital One cooperate to correct the XXXX and title record with TxDMV, provide any necessary documentation or assistance to allow a clean Texas title to be issued, provide a written explanation of how this servicing failure occurred, and consider appropriate compensation for the prolonged inability to obtain title resulting from this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I ordered a certain product from the company and instead of sending me what I ordered they sent and charged for several of the so I informed through an email which is the only way of communication that I was not interested in keeping any of the order so they emailed me an address which was in a another country but the address on my bank statement is in Delaware

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 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have an Apple Card issued by Goldman Sachs Bank USA with an approximate balance of {$8000.00}. I contacted Apple Card support to discuss a payment plan. 

A Goldman Sachs representative informed me via chat that if I enrolled in a payment plan and paid {$130.00} per month for 12 months, the remaining balance would be forgiven at the end of the program. I relied on this representation and agreed to enroll in the plan based on that understanding. 

I have since contacted Apple Card/Goldman Sachs again and was informed that the remaining balance would not be forgiven and that the representative provided incorrect information. I would not have agreed to the payment plan had I been told the correct terms. 

Based on the terms as represented, I made financial arrangements in my life to accommodate this specific agreement. I would not have agreed to the payment plan or made these arrangements had I been told the correct terms. 

I have since contacted Apple Card/Goldman Sachs again and was informed that the remaining balance would not be forgiven and that the representative had provided incorrect information. 

Additionally, I was told that supervisors can only contact me by phone and not by email or chat. I am requesting written communication because I need documentation of all communications regarding this issue, especially given the prior misinformation. 

I have screenshots of the chat conversation documenting the promise of balance forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PA

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] [ Debt Collectors Name ] [ Debt Collectors Address ] [ City, State, ZIP Code ] Dear [ Debt Collectors Name ], I am writing in response to your recent communication regarding an alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I formally request validation of the debt to ensure its accuracy and validity. Additionally, as this information may be reported to credit reporting agencies, I invoke my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) to dispute inaccurate or unverifiable information. Details of the Debt : Creditor Name : [ Original Creditors Name, if known ] Account Number : [ Account Number, if provided ] Alleged Amount : [ Amount Stated by Debt Collector ] Request for Validation : I request the following information to validate the debt : XXXX. Proof of Debt Ownership : Documentation that shows you have the legal right to collect this debt. XXXX. Account XXXX : Copies of any signed agreements or contracts that show I am obligated to pay this debt. XXXX. Detailed Accounting : A full breakdown of the amount owed, including the original amount, interest, fees, and other charges. XXXX. Chain of Ownership : Documentation showing how the debt was transferred or sold, including proof that your agency has the legal right to collect it. FCRA Compliance Request : If this debt is reported to any credit reporting agency, it must comply with the FCRA, which requires : XXXX. Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : You and any credit reporting agencies must ensure the information being reported is accurate. XXXX. Dispute Resolution ( 15 U.S.C. 1681i ) : If I dispute this debt with the credit reporting agencies, you must provide verification of its accuracy or request its removal. Cease Reporting Until Validation is Provided ( 15 U.S.C. 1692g ( b ) ) : Under the FDCPA, you are required to cease collection and reporting activity until the requested validation of the debt has been provided to me. Failure to comply with these requests and legal obligations may result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the attorney generals office in my state. Please provide the requested information in writing within 30 days of receipt of this letter. I reserve the right to take further action if the debt is not validated or is improperly reported. Thank you for your attention to this matter. You may contact me in writing at the address listed above. Sincerely, [ Your Full Name ]

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 2026-01-23 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
While looking into my credit profile today XX/XX/year> I noticed that my Credit limit went from {$6500.00} to {$900.00} a couple bucks short from my current balance due. My credit score has taken a hit due to that adjustment they made without any type of notice. Upon calling them to get some type of clarification on this matter they claimed they sent me a notice in the mail which I never received. I then was sent to several customer reps to get some type of reasoning as to why they would reduce me but to no avail. I have no defaults, missed payments at all with this account and my balance is and always been well below the recommended XXXX XXXX threshold which really makes this that much harder to understand. My only guess as to why they would make that decision was due to a recent XXXX  day missed payment with my student federal loans that I am in the process of getting XXXX due to my XXXX XXXX total and permanent XXXX status with the VA.

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 2026-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I have a new auto loan through Bank of America. Due to all of the restrictions they have placed on my account it has made it impossible to pay my loan on time. I have attempted to pay via wire transferred which was blocked and did not have a disclosed reason as to why it was blocked and they charged me {$50.00} dollars for the wire transfer even tho it did not go to the account it was supposed to. I also attempted to set up loan payments via ACH with my business account and they also blocked that and are forcing me to use a Bank of America checking account even tho I do not have a BOA account and no way to place money in that. I then attempted to write a check and deposit this check into the account they are forcing me to use ( and charging a fee for ) and they are not accepting the check in a reasonable timeline stating that it will take all the way until the day after my car loan payment is due ( over a week ) to clear the check. They are making it very difficult to nearly impossible to pay my car loan or set up a way to do it automatically and I am afraid this will damage my credit and business credit due to the systems they have put in place.

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 2026-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding my mortgage servicer, Mr. Cooper, for improper mortgage servicing, inaccurate credit reporting, continued collections activity, and escalation toward foreclosure following a deferral approval that was later reversed without appropriate process. 
On XX/XX/XXXX, I was advised that my loan was approved for a mortgage deferral. I was not aware of this approval at the time and did not speak with a representative regarding the deferral for approximately two weeks thereafter, as I contacted the servicer only after my forbearance period had ended. 
Had I been informed of the deferral approval at that time, I would not have initiated further contact or sought additional assistance. When I later contacted the servicer, I relied on the guidance provided by a representative, who did not inform me of the existing deferral approval and advised me to complete a mortgage assistance application. 
At that representatives suggestion, I selected a loan modification option on the assistance application, despite my understanding that I had already been approved for a deferral. This selection did not reflect my intent and was made in reliance on servicer guidance. 
I was later informed by a servicer representative that approximately two days after the XX/XX/XXXX approval, the deferral was internally rejected, allegedly due to income considerations. During that period, I did not submit new income information and had no discussion that would explain a reversal so soon after approval. 
Following this unexplained reversal, payments were held as unapplied, adverse credit reporting appeared, and I began receiving collections calls, while I repeatedly sought written clarification regarding payment status and whether my loan was protected from foreclosure during the review. No clear written guidance was provided. 
More than 30 days passed after my written credit research request was acknowledged and assigned to a XXXX XXXX ( Reference ID XXXX ), without written resolution, findings, or correction. 
I have since been informed verbally that the demand letter period may expire and that foreclosure activity could begin in XXXX, despite the unresolved deferral, credit reporting, and research issues, and while collections activity continues. 
These actions have caused material harm, including damage to my credit profile, interference with active financing, ongoing collections pressure, and imminent risk of foreclosure without procedural due process

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2026-01-23 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My credit limit was decreased which negatively impacted my credit score. The decrease was due to inactivity. I called the company on XX/XX/year> at XXXX XXXX to discuss the situation and was told that a reversal was not an option. The only option was for them to pull credit and request another increase which would also negatively impact my credit. The company is the Home Depot in store card the number I called was XXXX ( 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
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
PayPal offered a " 20 % Cashback When You Pay in 4 '' reward, the deadline was XX/XX/XXXX. 
I made a XXXX Purchase for {$950.00} on XX/XX/XXXX. My XXXX purchase history has a XX/XX/XXXX, XXXX XXXX time stamp. I also have a confirmation email from PayPal on XX/XX/XXXX, at XXXX XXXX. 

PayPal has not honored the cashback reward after 6 weeks of communication ( emails, phone calls ) with them. They are claiming that I missed the deadline even though they sent me a confirmation on XX/XX/XXXX. Even though it is a clear cut case, they are saying that they have escalated the issue, etc. They first promised to honor the offer by XX/XX/XXXX, then they promised XX/XX/XXXX, then it was going to be early XXXX due to increased holiday volume. But now after weeks of communication, I am doubtful that I am going to get an honest response from PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Timeline XX/XX/XXXX I first noticed a collection account from National Credit Systems for {$1100.00} related to XXXX XXXX XXXX XXXX appearing on my credit report. 

XX/XX/XXXX I contacted XXXX XXXX to retrieve documentation that XXXX XXXX XXXX had received payment and retrieved hospital documentation to mail out to National Credit Systems. 

XX/XX/XXXX The dispute was marked as verified by the furnisher, despite the documentation I provided. The account remained on my credit report. I contacted National Credit Systems on the same day and was told that I was correct. With the documentation provided to them, the account should not be reported as delinquent and that it would be corrected. 

XXXX XX/XX/XXXX I contacted National Credit Systems again and was advised that the account was sent to them by XXXX XXXX XXXX XXXX and that they were continuing to report it based solely on information provided by the original creditor, without providing documentation establishing my responsibility. 

XXXX XX/XX/XXXX I mailed additional documentation directly to National Credit Systems disputing the debt and requesting correction or deletion. 

Current Despite written disputes, supporting documentation, and verbal confirmation that the account is incorrect, National Credit Systems continues to report this collection account and states that XXXX XXXX XXXX. reported the account to them even after documenting the account as paid in full. The inaccurate reporting is causing ongoing harm to my credit profile during an active mortgage underwriting process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of the following account currently being reported on my consumer credit report : Creditor : XXXX XXXX Account Status : Open / Derogatory Balance : {$270.00} Remarks : Placed for collection Responsibility : Individual Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. S1681 et seq. ), I am exercising my right to dispute inaccurate, incomplete, or unverified information appearing on my credit report. I am requesting that you conduct a thorough investigation of this account as required under 15 U.S.C. S1681s-2 ( b ).

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