vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 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: ALLY FINANCIAL INC.
State: RI

Complaint narrative:
I refinanced my auto loan with Ally Bank ; the original loan was with XXXX XXXX. During the title transfer from XXXX XXXX to Ally after the refinance, the physical title was lost in the mail. Because Ally is now the lienholder, Ally is responsible for applying to the XXXX DMV for a certified copy of title ( Form XXXX ). I have since relocated from XXXX to XXXX XXXX and can not register my vehicle in XXXX XXXX without the title. There is no dealer involved in this matter this is a refinance, not a purchase. I have called Ally every month throughout XXXX requesting that they apply for a replacement title. Each time, Ally insists the request is " in progress '' and claims a third party is handling it, but refuses to identify the third party. When I asked whether the third party is the XXXX DMV, Ally confirmed it is not. Ally representatives have also told me, incorrectly, that it is the dealership 's responsibility to locate the title again, there is no dealer involved. On XX/XX/year>, I called Ally 's executive line and was told that a XXXX replacement title application had been filed with the XXXX DMV and that processing would take approximately one month. On XX/XX/year>, I called the XXXX DMV directly at ( XXXX ) XXXX and confirmed that no replacement title application exists on my VIN. Ally misrepresented the status of my request. I called Ally 's escalation line the same day and was told I would need to file a formal complaint in order to get further assistance. I can not register or legally drive my vehicle until this is resolved. I am requesting that Ally : Immediately file the XXXX replacement title application with the XXXX DMV and provide me written confirmation, including a reference or tracking number, that the application has actually been submitted. Upon issuance, deliver the replacement title directly to the XXXX XXXX DMV so I can complete my vehicle registration.

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 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Lendbuzz Inc.
State: DC

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Statement I, XXXX XXXX, am submitting this statement to formally file a complaint regarding a fraudulent auto loan account that has been reported under my name by Lendbuzz Funding LLC. I recently became aware of an account reflecting an alleged auto loan with an outstanding balance of {$22000.00}. I want to make it unequivocally clear that I have no knowledge of this account, did not apply for this loan, and did not authorize Lendbuzz Funding LLXXXX any associated partyto use my personal information for the purpose of obtaining credit. This account is the result of identity theft and has been wrongfully attributed to me. I have never entered into any agreement, signed any documents, or received any benefit related to this alleged loan. The presence of this fraudulent account is causing significant harm to my credit profile, financial standing, and personal reputation. Under the Fair Credit Reporting Act ( FCRA ) and other applicable federal laws, I am requesting that this matter be immediately and thoroughly investigated. I further request that Lendbuzz Funding LLC provide all documentation associated with this account, including but not limited to the original application, contract, signatures, payment history, and any records used to verify identity at the time the account was opened. If Lendbuzz Funding LLC is unable to provide verifiable proof that I knowingly and willingly authorized this account, I demand that the account be immediately removed from all credit reporting agencies and that any collection efforts cease at once. Additionally, I request that the Consumer Financial Protection Bureau ensure that Lendbuzz Funding LLC complies with all federal regulations in resolving this matter promptly and fairly. I am prepared to provide supporting documentation, including a copy of my identification, proof of address, and any identity theft reports if necessary. I declare under penalty of perjury that the information provided in this statement is true and accurate to the best of my knowledge. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: NY

Complaint narrative:
American Express denied a valid {$3000.00} chargeback dispute ( Case XXXX ) three times by misapplying the digital goods evidentiary standard to a live, cohort-based coaching program ( XXXX XXXX XXXX XXXX XXXX operated by XXXX XXXX ) scheduled XXXX XXXX XX/XX/. I canceled in writing on XX/XX/XXXX 21 days before program start with zero services delivered. The merchant 's own checkout evidence confirms the total price of {$4500.00} was never disclosed as a consolidated amount prior to authorization. The merchant issued a {$1500.00} partial refund acknowledging a billing irregularity, then invoked a no-refund policy against the remaining {$3000.00}. American Express failed to distinguish a forward-scheduled live service contract from a static digital product, ignored evidence that the merchant provisioned platform access to my canceled account on XX/XX/XXXX and XX/XX/XXXX without my knowledge or consent, and issued denial decisions that failed to address the substance of my claims as required by Regulation Z, 12 C.F.R. 1026.13. Amex 's stated denial reason across all three rounds was " the cardholder was refunded '' referring only to the {$1500.00} partial refund, not the {$3000.00} in dispute. This does not constitute a legally adequate written explanation under Regulation Z. I am requesting XXXX XXXXXXXX review under billing misrepresentation and non-performance of a forward-scheduled live service contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I just opened a SoFi Bank account. My employer sent me a check because the direct deposit wasnt undated on time. I mobile deposited the check issued for XX/XX/year>XXXX yesterday at XX/XX/year>XXXX for XXXX. The bank said it wont be available until XX/XX/XXXX which was fine. Now I wake up the next day for them to tell me my account is pending closure and when the funds clear, they will send me a check. This is ridiculous and now my bills could be possibly overdue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX 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 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PatientFi, Inc.
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX, I was the victim of an imposter scam involving XXXX. I received an email falsely claiming to be from XXXX, stating my account was being " upgraded to a Business user account '' and that I needed to refund an " accidental overpayment '' of {$500.00}. The email instructed me to send {$500.00} via XXXX to complete the upgrade. I was tricked into sending {$500.00} from my Wells Fargo account. I reported the fraud to Wells Fargo on the same day ( XX/XX/XXXXXXXX ) and provided the original scam email as evidence. My claim number is XXXX. On XX/XX/XXXX, I submitted additional evidence to Wells Fargo. On XX/XX/XXXX, I filed a police report ( Case Number XXXX ) in Maryland and submitted it to Wells Fargo. On or around XX/XX/XXXX, Wells Fargo declined my fraud claim. The bank refused to reimburse the {$500.00} despite the XXXX XXXX XXXX XXXX ( effective XX/XX/XXXXXXXX ) requiring participating banks to reimburse consumers for imposter scams. Wells Fargo has violated Regulation E of the Electronic Fund Transfer Act because my authorization was obtained through criminal deception, which is not valid consent under federal law. The bank failed to properly investigate the context of the scam and wrongfully denied my claim. I am requesting that Wells Fargo reverse the denial and reimburse the full {$500.00}.

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 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I upgraded my XXXX XXXX XXXX card through Comenity. On Comenitys official upgrade page, it states that my new rewards program will begin the day after your upgrade is confirmed, and that benefits are available immediately. Based on this written information, I upgraded specifically to access the XXXX tier benefits, including free parking during my upcoming trip. After the upgrade was confirmed, my XXXX XXXX tier did not update to XXXX. I contacted XXXX XXXX support and was told I was not eligible because the XXXX upgrade benefit is only for new customers. This contradicts the written terms provided by Comenity, which do not state that the benefit is limited to new customers. I am an existing cardholder who upgraded to the Annual Fee version of the card, and the published terms indicate that the benefits begin immediately after upgrade confirmation. I am now being denied a benefit that was explicitly advertised as part of the card upgrade. I relied on the written terms when deciding to upgrade, and I am being given incorrect and inconsistent information by XXXX XXXX representatives. I am requesting that my XXXX tier status be applied as promised so I can use the benefits associated with the upgraded card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
Rocket mortgage failure to respond to my written request and their subsequent intention to foreclose actions appear to violate the Real Estate Settlement Procedures Act, including : failure to respond to a qualified written request / request for information, improper handling of a mortgage servicing transfer, moving towards foreclosure while loss mitigation efforts were ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: INDEPENDENCE HOME LOANS LLC
State: FL

Complaint narrative:
I have received XXXX unsolicited mailers from Independence Home Loans ( XXXX # XXXX ) within XXXX XXXX. The mailers are designed to look like officil XXXX or government documents ( I am a XXXX veteran ) and falsely imply I am missing out on benefits. This is deceptive marketing. I did not request this contact and have called to have it stop with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2026-04-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My name is XXXX XXXX PayPal account is been permanently deactivated but I don't know what I do is wrong.The account email is XXXX I need help! please! I am so trust paypal so I put all my money in paypal but it been hold. I don't even know how to pay the rent...... Please help please!!!!!!! I have called the customer service but they can't do anything..... I feel completely hopeless.Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Subject : FORMAL DEMAND FOR REINVESTIGATION, DOCUMENTARY PROOF, REFUND OF LATE FEES, AND DELETION OF INACCURATE REPORTING To Whom It May Concern, I am submitting this as a formal written dispute and demand for immediate executive review regarding the payment history being reported on my account by Capital One. Capital One has already acknowledged prior inaccuracies in my reported payment history. That admission is significant. Once a furnisher confirms errors existed, the integrity and reliability of the remaining negative payment history is reasonably called into question and can not simply be assumed accurate without competent documentary proof. Because of your admitted reporting errors, I now demand a complete reinvestigation of the entire payment history associated with this account. # # FORMAL DEMANDS 1. Refund All Improper Late Fees Refund any late fees, penalty charges, or related interest assessed during months impacted by inaccurate reporting or unsupported delinquency claims. 2. Provide Full Documentary Proof of Every Remaining Late Payment For each month reported late, provide copies of records sufficient to verify accuracy, including : - Monthly billing statements- Due dates and minimum payment amounts- Date payment was received - Date payment was posted - Internal account ledger/payment history - Notes or records relied upon during prior investigations - Dates corrections were sent to all consumer reporting agencies 3. Delete All Unverifiable Late Payments If any reported delinquency can not be fully substantiated with complete records, delete that late mark immediately from all consumer reporting agencies. 4. Delete the Entire Tradeline if Data Integrity Can not Be Assured If Capital One can not demonstrate that the tradeline is complete, accurate, and reliable after already admitting errors, then deletion of the entire tradeline is the fair and appropriate remedy. # # LEGAL NOTICE Federal law requires furnishers and consumer reporting participants to maintain accurate information and conduct reasonable investigations of disputed data. Continued reporting of information that can not be properly substantiated after notice may create additional liability. # # NOTICE OF ESCALATION Please do not mistake this dispute for a routine complaint. I am fully prepared to pursue all available remedies, including additional complaints to regulators and legal action if necessary. I would prefer to resolve this directly, but I will not accept continued harm from inaccurate reporting. Please provide your written response, findings, and all supporting documentation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint : I am submitting this complaint on behalf of a senior family member regarding long-term maintenance fees charged by Bank of America . -Recently closed checking and savings account -Only active account is ending in XXXX XXXX due to rental income We recently discovered that over approximately XXXX years, more than {$5000.00} in account maintenance fees were charged across several accounts. The customer is elderly and was not aware of how these recurring fees worked or how they could be avoided. Immediately upon discovering the extent of these charges by his daughter, we made the decision to close both the checking and savings accounts due to loss of trust and concern over how the account had been managed over time. Bank of America has stated that they will only provide documentation for the past XXXX years without a court order. However, even based on preliminary information and discussions with the bank, there appears to be a consistent pattern of recurring maintenance fees. Key concerns : The customer did not have a clear understanding of how to avoid these fees The fees accumulated over a long period without meaningful intervention or adjustment of the account The customers age raises concerns about whether the fee structure and account terms were effectively understood While the bank has stated they do not proactively guide customers to avoid fees or move them into more appropriate accounts, the outcome is that a senior customer incurred substantial recurring charges over an extended period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: PR

Complaint narrative:
I am submitting a complaint regarding repeated and persistent calls from a phone number flagged as SPAM, associated with Midland Credit Management ( MCM ). After numerous attempts, I finally answered one of these calls. During the call, the representative asked if I was XXXX XXXX and proceeded to state a date of birth without first verifying whether the person on the other end of the call was in fact XXXX XXXX. This resulted in the disclosure of highly sensitive personal information without proper identity verification, constituting a serious breach of confidentiality. When I asked where they were calling from, I was told they could not disclose that information. I then asked what company they represented and was told MCM. When I asked what the company does, I was again told that this information was confidential and could not be disclosed. I informed the representative that they had just violated confidentiality by disclosing sensitive personal information without verifying the identity of the recipient. In response, I was told that my number would be removed from their call list. After the call ended, I returned the call and spoke with another representative. I explained the situation and requested to speak with a supervisor. The supervisor, who identified himself as XXXX XXXX, refused to provide basic information about the company, including the department or location from which he was calling, again stating that such information was confidential. It is evident that the company is Midland Credit Management, which is publicly identifiable. I reiterated that the primary issue was the improper disclosure of confidential information to an unverified individual. I also requested an email address to submit a formal complaint, which was denied under the claim that it was confidential. I was instead told to contact any appropriate agency on my own. Additionally, the refusal to clearly identify the company and provide basic information about the origin of the call appears to be a deceptive tactic intended to mislead or pressure individuals into providing personal information without full transparency. This situation raises serious concerns regarding compliance with the Fair Debt Collection Practices Act ( FDCPA ), specifically regarding improper disclosure of personal information and failure to properly identify the caller. I request a formal investigation into this matter, a written explanation, and confirmation of corrective actions taken to prevent future violations.

Company response to consumer: Closed with non-monetary relief