vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I have tried to contact NAVY FEDERAL several times about inquiries sitting on my credit report which I did not authorize nor initiate and filed disputes and the company refuses to remove it. 
I am a victim of identity theft and have contact several banks about this already and this is the only one who has yet to remove the inquiries from my credit report. 
This is causing financial harm and distress. 
They closed actual my bank account and credit card that did belong to me, when I told them I had unrecognized inquiries instead of removing the inquires. I have spoken with my husbands military legal lead and have been advised we will take legal action should this information not be removed. 

XXXX XXXX inquiry dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX inquiry dates : XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My checking account was closed by the bank in XX/XX/year> following a review of XXXX activity. 

At the time of closure, my account had a remaining balance of approximately {$740.00}, which has been frozen. 

I contacted the bank multiple times over the past two months requesting a status update and timeline for the release of my funds. Each time, I was told that the review is still ongoing, no timeline can be provided, and that a check will be mailed once the review is complete. 

I have fully cooperated with the bank and have not been provided with any resolution or expected completion date. 

I am requesting a final determination and the prompt release of my remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I attempted to sell my vehicle and discovered that a lien from XXXX XXXX XXXX & XXXX is still recorded on my title. I paid this loan in full in XXXX, but the lien was never released and I never received a clear title. 
XXXX XXXX XXXX & XXXX was later acquired by Santander Consumer USA, making Santander the legal successor responsible for XXXXXXXX XXXX liens and title releases. Santander has informed me that it has no record of my loan, yet the lien remains active and is preventing me from transferring or selling my vehicle. 
I have contacted Santander more than XXXX times and provided all personal information they requested. I was even instructed to submit a written request by mail, which I did, but I have still not received a lien release or clear title. Customer service continues to send me in circles and has not resolved the issue. 
Santander is retaining a lien despite having no financial interest in the vehicle, which constitutes wrongful lien retention and is unlawfully restricting my ownership rights. I am requesting that Santander immediately issue a successor lien release or no-interest letter so the XXXX can remove the XXXX XXXX lien and issue a clean title in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: DC

Complaint narrative:
I asked for stocks to be transferred from cash app to a new brokerage. This was done but cash app stole one of my shares and is refusing to give it back even though I asked for all my shares to be moved..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BC SERVICES, INC.
State: ID

Complaint narrative:
I am disputing a medical debt that B.C. Services is attempting to collect on behalf of XXXX XXXX for {$200.00} Date of service : XXXX. XXXX ( facility/provider ) submitted their claim to my then-insurance ( XXXX ), and XXXX has a record of that claim. However, XXXX XXXX did not submit a claim to XXXX and XXXX has no claim record / EOB in their portal for XXXX XXXX for this date of service, nor in their system when I contacted XXXX by phone. 
I attempted to verify the legitimacy of the XXXX XXXX XXXX when first received, and XXXX XXXX and XXXX could not or would not verify at the time. When XXXX later confirmed XXXX XXXX was associated with the visit, XXXX XXXX still failed to bill insurance correctly or provide proof of submission. XXXX XXXX later stated they would look into it and follow up, but they did not. XXXX XXXX also incorrectly claimed that I had received an EOB from XXXX, when XXXX was never billed for the service. 
Approximately XXXX years after the date of service I learned that XXXX XXXX had sent the alleged balance to collections, and the collections notice was sent to an incorrect address. 
I requested that B.C. Services provide full written validation of the alleged debt ( including itemization and documentation showing that XXXX XXXX billed XXXX ) and cease collection activity on this disputed account. I also request the account be returned to XXXX XXXX and closed. 
Attachments : screenshot showing XXXX claim exists AND showing no XXXX XXXX claim exists photo of collections letter

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 2026-01-13 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: PA

Complaint narrative:
I do not have a contract with Midland Credit Management. They are not entitled to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated.

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor.

The name, address, and contact information of the original creditor for proper verification.

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 2026-01-13 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: U.S. BANCORP
State: WA

Complaint narrative:
In XX/XX/year>, I purchased an international flight itinerary through XXXX for approximately {$1200.00}. Less than three hours after purchase, the airline postponed the first flight by approximately XXXX hours. Due to this significant schedule change, I cancelled the trip. 

XXXX issued only a partial refund of {$47.00} and classified my cancellation as voluntary despite the delay. I disputed the charge. A provisional credit was issued and later reversed. 

On XX/XX/year>, XXXX charged my card again in the amount of {$1100.00} without my authorization. This is a separate charge and has caused financial harm and negative impact to my credit profile. 

XXXX has informed me that they are waiting for chargeback confirmation. My financial institution has confirmed that the chargeback process has been completed and transmitted through the card network channels. Despite this, the matter remains unresolved. 

The bank closed my dispute without properly investigating the significant schedule change, lack of service provided, and unauthorized recharge. Continued inaction is resulting in ongoing damages, including high interest accrual. This is a billing error and a failure to protect me under the Fair Credit Billing Act.

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 2026-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Complaint against : Comenity Capital Bank Account : XXXX XXXX XXXX XXXX Credit Card ( last XXXX digits XXXX ) I am filing a complaint regarding improper fees, interest charges, and potential negative credit reporting that resulted from temporary payment processing issues on my account. 

Between XX/XX/XXXX and XX/XX/XXXX, several automatic payments were returned due to a bank account issue that has since been fully resolved. Once identified, I immediately corrected the payment method and reinstated successful automatic payments. 

Despite my prompt action and clear payment intent, Comenity assessed returned payment fees, returned check fees, and significant interest charges, and may have reported negative payment information to credit bureaus. These charges and potential reporting arose solely from a technical banking error, not from willful nonpayment or financial hardship. 

Additionally, deferred-interest promotional balances were accelerated during this period, causing substantial interest accrual at a very high APR, compounding the issue.

I am requesting : 1. Reversal of returned payment and returned check fees 2. Adjustment or credit of interest charges tied directly to the payment failures 3. Correction or removal of any negative credit reporting associated with these events

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: OK

Complaint narrative:
I purchased a used vehicle in XX/XX/XXXX using dealer-arranged financing through this lender. Within weeks, the vehicle developed severe mechanical problems ( misfiring, stalling, shaking ) and was determined by the selling dealership to likely need a full engine replacement. The dealership currently has possession of the vehicle and it is not drivable. 

The dealership sold the vehicle in a condition that was not roadworthy and failed almost immediately after purchase. The sale is now under legal dispute, and complaints have been filed with state regulators. The collateral for this loan is defective and unusable, and is still in the dealers possession. 

I contacted the lender in XX/XX/XXXX and informed them that the sale is under legal dispute and that the collateral is defective and in the dealers possession. I requested that the account be marked as disputed and that billing be paused or that a temporary hold be placed while the rescission of the sale is being pursued. 

The lender refused to mark the account as disputed, refused to provide any temporary hold or forbearance, and stated that only the dealership can initiate any contract cancellation. They also stated they will continue billing and report the account late even though the vehicle is not operable, is not in my possession, and the sale itself is being challenged due to defective collateral and dealer misrepresentation. 

This is a billing and servicing issue involving defective collateral and a loan that is under legal dispute, and the lender is refusing to reasonably address the situation or provide any dispute or hardship accommodation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
I checked my credit report and I kept getting notifications that there is a collections for around {$6000.00} at an apartment building in XXXX  XXXX. Ive never lived in XXXX  XXXX. Theres also another collections on my account for a school balance through XXXX  XXXX. Ive never lived in XXXX  XXXX so XXXX checked my credit report and I kept getting notifications that there is a collections for around {$6000.00} at an apartment building in XXXX  XXXX. Ive never lived in XXXX  XXXX. Theres also another collections on my account for a school balance through XXXX  XXXX. Ive never lived in XXXX XXXX so I go to school in Virginia. Ive been going to school in Virginia since XXXX. I live on campus in Virginia and have never left. Also, the time that it says the account was open. I was on XXXX XXXX orders at basic training at XXXX XXXX, Oklahoma, so theres no possible way. I couldve gotten an apartment in XXXX  XXXX. Ive also attach my housing statement from my college that Ive been at for almost XXXX  years now showing that I havent left or moved or unenrolled or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: PatientFi, Inc.
State: CA

Complaint narrative:
In XX/XX/year>, I financed a cosmetic procedure through PatientFi for {$7000.00} with XXXX XXXX. The procedure was canceled and no services were rendered. XXXX XXXX has confirmed in writing that the refund is owed and will be returned to PatientFi, but despite repeated follow-ups, the refund has not been processed. I am still being held responsible for a balance related to a service that never occurred. I am requesting that PatientFi investigate this matter, credit my account accordingly, and cease any collection or reporting related to this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: CA

Complaint narrative:
Good dayI can not stress enough how utterly frustrating and debilitating this situation is. You wake up one day to the shocking discovery of a debt you know absolutely nothing about, one that's unverified and simply not yours. This has led to relentless harassment across multiple communication platforms, employing various tactics, including threats of legal action that I never imagined enduring. As a law-abiding citizen, this is deeply insulting and a blatant violation of my consumer rights. It's severely impacting my XXXX XXXX, leaving me with sleepless nights and profound distress. I will not tolerate this injustice any longer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
Good dayI can not stress enough how utterly frustrating and debilitating this situation is. You wake up one day to the shocking discovery of a debt you know absolutely nothing about, one that's unverified and simply not yours. This has led to relentless harassment across multiple communication platforms, employing various tactics, including threats of legal action that I never imagined enduring. As a law-abiding citizen, this is deeply insulting and a blatant violation of my consumer rights. It's severely impacting my mental health, leaving me with sleepless nights and profound distress. I will not tolerate this injustice any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
I received a notice of deposition for XXXX XXXX  XXXX for XX/XX/XXXX showing XXXX XXXX as the plaintiff earlier this month. The attorney 's office representing them is Pollack & Rosen PA  out of XXXX XXXX, XXXX. I was not aware of any outstanding debt and was surprised by this. In the last 9 years I have worked hard to repair by credit and have very good credit. I had not received any other notices about any debt with XXXX XXXX and in fact have an opened a credit card, bank accounts, and XXXX car loans that have been provided to me by XXXX  XXXX in the last few years. I have made every payment on time and have worked hard to ensure my credit is cleared. I have no collections reporting on my credit and have received no notices of collections or such. I was very surprised to receive this and thought this XXXX be identity theft. I called XXXX XXXX to find out what this was about and was told I needed to speak to the recovery department that they had little to no information. When I spoke to the XXXX department, I was told this was regarding a credit card I had applied for in XXXX! I then asked when the last time I had made a payment or used it and was told in XXXX! Needless to say I was shocked that after 14 years I was being deposed for assets for a debt that was over XXXX XXXX XXXX! I can not even remember if it is truly mine. At the time this debt would have been mine I was married and my ex-husband could be partially liable as well! The statute of limitations in XXXX  is 5 years, and I feel this is unjust and deceptive. This is an attempt to have me call and in desperation give them money to make this go away. I now find myself in a situation where I have to attend a deposition and possibly hire legal counsel when I have done nothing wrong. There is a statute of limitations for a reason. This debt does not report on my credit, nor have I received any notices or bills. I do not have the legal expertise to navigate this, and I feel this is luring and deceptive to get people to give them money when XXXX XXXX more than likely has already written off this debt long ago. I work for a bank and most records are retained for 7 years. I call this attorney 's office and after validating my information they advised me that I have a debt of almost XXXX dollars. I told them I did not know what this was and asked them for information. They provided limited information as to when it was opened and when the last time it was paid again same dates as provided above XXXX. I then expressed the issue with this debt being so old and past the statute of limitations and was told by the rep that they could still collect. I asked to speak with a supervisor and was told I would get a call back and never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint regarding Capital Ones failure to conduct a reasonable investigation into a fraudulent transaction, in violation of federal law. 

The disputed charge was allegedly made in person at XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX  ), XXXX XXXX XXXX, XXXX, XXXX. Capital One representatives have acknowledged internally that my physical card was in my possession at the time of the transaction, and I was not in XXXX. 

Despite these facts, Capital One denied my fraud claim primarily on the basis that the transaction was processed as EMV/tap. Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 C.F.R. 1026.13 ), Capital One is required to conduct a reasonable investigation and bears the burden of proving authorization. Reliance on EMV data alone does not satisfy this standard, particularly where card possession and geographic impossibility are undisputed. 

The merchant associated with this transaction is currently listed as permanently closed. Public records show the last confirmed operation of this location via XXXX XXXX XXXX occurred in XX/XX/year>, with no evidence of operation thereafter. Capital One did not evaluate merchant viability, merchant account status, terminal legitimacy, or location feasibility as part of its investigation. 

Additionally, during a prior call lasting approximately XXXX hours, a Capital One representative explicitly told me the matter would be escalated to a supervisor and that I would receive a callback. That did not occur. Instead, the representative entered an internal note stating no escalation required, contradicting what I was told. This conduct raises concerns under 12 U.S.C. 5531 and 5536 regarding deceptive practices. ( I have all of these conversations recorded ) Capital One has also failed to provide the written explanation and evidentiary basis required by 15 U.S.C. 1666 ( a ) ( 3 ) ( B ) when denying a billing error. 

I am requesting that Capital One be required to : Conduct a reasonable investigation consistent with federal law Provide documentation supporting its denial Reverse the fraudulent charge if authorization can not be substantiated

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Complaint ID : XXXX Bank of America XXXX XXXX all of my accounts without providing a clear explanation. On XX/XX/year> I submitted CFPB Complaint ID XXXX because I was unable to open new accounts and needed a clear reason for the relationship termination and any reporting that may be preventing me from banking elsewhere. 
The case shows Closed Company responded, but I did not receive a clear answer to my core question : why Bank of America closed my accounts and why I am not allowed to open new ones. The response appears to rely on general policy language and does not provide specific facts or the actual basis for the closures. 
I am requesting that Bank of America provide a clear, specific explanation for : the closure of my deposit accounts, the closure of my credit card ( s ) /credit products, and the reason I am currently unable to open new accounts, including whether any consumer reporting agency ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX information is involved. 
Please reopen this complaint or allow it to be reviewed so the company provides a direct answer.

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