vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 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: Exeter Finance, LLC.
State: VA

Complaint narrative:
I filed for XXXX  XXXX bankruptcy and, as part of the process, completed a vehicle surrender form with my bankruptcy attorney. My bankruptcy was discharged on XX/XX/XXXX, which eliminated my personal obligation to repay the loan. 

After the discharge, I signed an additional vehicle surrender form directly with Exeter Finance. Despite submitting this form, Exeter never took possession of the vehicle, even though it had been seven months since the vehicle was suppose to be picked up. 

On XX/XX/XXXX, Exeter sold my account to XXXX XXXX. Since that date, I have been trying to get the lien released and the titled issued. I contacted Exeter, and they told me I had to wait for XXXX XXXX. When I contacted XXXX, they told me we have to wait for Exeter. This has created a continuous back-and-forth where neither company has taken responsibility or provided the lien release or title. 

XXXX XXXX : XX/XX/XXXX XXXX : Called Exeter Finance regarding lien and title.

What I Said : Requested lien release and title issuance. 
What they said : Told me to wait and call back later ; no commitment provided. 

XXXX XXXX XXXX XXXXXXXX : Called Exeter Finance regarding lien and title. 
What I said : Requestion lien release and title issuance. 
What they said : Told me to wait and call back later ; no commitment provided. 

XXXX XXXX XXXX XXXXXXXX : Called to escalate and asked for account to be notated that I am requesting lien release/title . 
What they did : Representative hung up without resolving the issue or giving instructions. 

I have provided both companies with all required documentation, including surrender forms and proof of bankruptcy, including surrender forms and proof of bankruptcy discharge. I also confirmed with the DMV that lien remains on the vehicle. Despite my repeated efforts over several months, neither company has resolved the issue, and the lien remains in place, preventing me from selling, transferring, or otherwise managing the vehicle. 

Actions taken by me : -Submitted surrender form -Offered to pay for the title -Contacted Exeter multiple times ( XXXX, XX/XX/XXXX, XX/XX/XXXX ) -Contacted XXXX multiple times -Verified lien status with DMV Actions taken by the companies : -Exeter did not pick up the vehicle for over seven months XXXX then sold the account to XXXX XXXX has not released the lien and redirected me back to Exeter -Representatives hung up on me when I requested the lien/title Legal Basis : -Bankruptcy discharge eliminates my personal liability ( 11 U.S.C . 727 ) -Lienholders must release liens after discharge and surrender ( DMV/state law ) - Their failure and back-and-forth constitutes an unfair practice under CFPB/CFPA

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing in response to your recent communication regarding the above-referenced account. This letter serves as my formal request for validation of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following documentation : The amount of the alleged debt, including a complete breakdown of principal, interest, fees, and any other charges.

The name and address of the original creditor, along with documentation showing I am legally obligated to pay this debt. 
A copy of the original contract or agreement bearing my signature. 
Proof that XXXX XXXX XXXX is authorized to collect on this account, including any assignment or bill of sale. 
Documentation showing the date of default and the date the debt was transferred to your company. 
Until you provide the requested validation, you must cease all collection activity, including reporting or continuing to report this account to any consumer reporting agency. Reporting unverifiable or unvalidated information would constitute a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 
This letter is not an acknowledgment of debt, nor is it a promise to pay. It is simply a request for verification of the alleged obligation. 
Please provide the requested information in writing. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
On XX/XX/year>, starting at XXXX, I received a call from sunrise credit services. 

The collection agency presumably called the cell phone number on file with the creditor and asked to speak with the consumer. I identified myself by name. They gave mini-Miranda and went into disclosing account details without any additional verification. 
The debt collector disclosed account-specific information only asking for identity, not authenticating/validating/verifying who was truly on the line. While I was the intended consumer, this practice fails to reasonably prevent disclosure to third parties and creates a material privacy risk. 
This can not be a proper identity verification process.

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 2026-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Greenberg, Grant & Richards Inc.
State: IL

Complaint narrative:
On XX/XX/year>, a Medical Assistant at the medical practice in Iowa received a call from XXXX XXXX XXXX from Greenberg , Grant & Richards requesting payment on an outstanding device invoice for the XXXX XXXX XXXX next to the medical practice. The Medical Assistant advised the rep to reach out to Accounts Payable and XXXX XXXX noted they already tried that path. 

The Administrator of the medical practice and for the XXXX XXXX XXXX got on the phone with XXXX XXXX where XXXX XXXX noted to the Admin he would come on site and " interview patients and staff '' and take pictures of facility if payment was not made. He would also " demand financial records ''. XXXX XXXX also requested the Administrator 's personal contact information which the Administrator refused to provide. 

Due to sensitivity surrounding a collections rep threatening to come on site to ask patients about their PHI which is a violation of HIPAA and harassment of staff members, I reached out to XXXX XXXX, in writing, advising him to stop contact with the practice and he is not allowed on the property and any requests for payment should go through these other parties that work in the finance department. In response, XXXX XXXX wrote he would continue collection efforts if payment was not made. 

This threat of harassment and solicitation of patient PHI is non-compliant with HIPAA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
Midland Credit Management contacted me by email attempting to collect an alleged debt and urging me to establish a payment plan and make a payment. 

I dispute this alleged debt and requested debt validation. Despite this, the company has not provided any documentation to verify the debt or prove its authority to collect it. 

Instead of providing validation, Midland Credit Management continued collection efforts through electronic communication, creating pressure to pay and overshadowing my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that the company cease collection communications unless and until proper debt validation is provided and that my consumer rights be fully respected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. Several accounts have been fraudulently opened and are being reported on my credit report without my authorization. While I was traveling, I lost my laptop, phone, wallet, and all my identity documents which led to unauthorized individuals gaining access to my personal information and opening these accounts in my name sofi bank XXXX, upgrade XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JPMorgan Chase Bank , N.A . froze approximately {$20000.00} from my personal checking account based on a garnishment allegedly issued from the Circuit Court for XXXX XXXX, Virginia. 

I am a resident of Florida. I have never lived in Virginia, never conducted business there, and never consented to jurisdiction in that state. I was never served with a summons, complaint, or garnishment, and I had no prior notice before my funds were restrained. 

I XXXX  became aware of this issue only after Chase froze my account. The alleged judgment is jurisdictionally defective and void, and I deny the authenticity of any signature attributed to me in connection with it. 

Despite these defects, Chase restrained my personal funds without verifying proper service or jurisdiction. This has prevented me from paying essential living expenses, including housing, utilities, food, and transportation, and has caused significant financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
Hello, I am submitting this complaint regarding my XXXX account due to an ongoing and unresolved access issue that XXXX has failed to correct. 

Since yesterday, I have been unable to access my XXXX account because I forgot my password. When attempting to reset it, XXXX requires verification using the digits of a debit/credit card that I no longer possess. Because I no longer have this card, I am completely locked out of my account. 

As a result of being locked out, I am also unable to update my personal information, including my current address. My bank has confirmed that this outdated information and account access issue is the source of the problem, yet XXXX has not provided any alternative verification method or assistance to regain access. 

I have contacted XXXX multiple times requesting help, but no representative has been able or willing to resolve this issue. There is currently no way for me to access my account, verify my identity using a different method, or update my information. 

This situation has left me without access to my own financial account and without support from the company. I am requesting regulatory assistance to require XXXX to : Provide a reasonable alternative identity verification method Restore my access to my account Allow me to update my personal and banking information Provide written confirmation once the issue is resolved Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute and demand for validation of the above-referenced account pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ).

I dispute the validity, ownership, and accuracy of this alleged debt. I am requesting strict proof of this obligation. 
Specifically, I demand the following documentation : XXXX. The original signed contract or application bearing my signature with the original creditor. 

XXXX. The complete Bill of Sale identifying this specific account. 

XXXX. The full chain of title, including all assignments and transfer documents. 

XXXX. The Flow Agreement governing the transfer of this account, including all schedules and exhibits. 

XXXX. Documentation proving Cavalry Portfolio Services , LLC has legal standing to collect. 

XXXX. A complete payment history from the original creditor through charge-off. 

Until proper validation is provided, you must cease collection activity and cease reporting this account to any consumer reporting agency. 

Failure to provide the requested documentation will be considered an inability to substantiate this alleged debt, and I will expect permanent deletion of this account from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
This company, MCM, has been repeatedly calling family members looking for me when I have already created an online account to start working on my debt repayment. They call daily sometimes multiple times and its starting to feel like harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: AL

Complaint narrative:
Called XXXX to XXXX to attempt to make a payment and was told my account was not in there office and was directed to The XXXX XXXX XXXX XXXX XXXX. I called The XXXX XXXX of XXXX XXXX and was told my account was not in there office also. Please remove this account from my credit profile This has been an on going issues for several months they will not resolve the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Even though the account was settled in full, my report continues to display late payment remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing in response to your recent communication regarding the above-referenced account. This letter serves as my formal request for validation of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following documentation : The amount of the alleged debt, including a complete breakdown of principal, interest, fees, and any other charges.

The name and address of the original creditor, along with documentation showing I am legally obligated to pay this debt. 
A copy of the original contract or agreement bearing my signature. 
Proof that XXXX XXXX XXXX is authorized to collect on this account, including any assignment or bill of sale. 
Documentation showing the date of default and the date the debt was transferred to your company. 
Until you provide the requested validation, you must cease all collection activity, including reporting or continuing to report this account to any consumer reporting agency. Reporting unverifiable or unvalidated information would constitute a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 
This letter is not an acknowledgment of debt, nor is it a promise to pay. It is simply a request for verification of the alleged obligation. 
Please provide the requested information in writing. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed on XX/XX/2025 with Equfix with my proof that I don't not owe this fraud account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I kept getting phone calls from Resolve XXXX Financial stating that I owed over {$4000.00} for an XXXX ( Best Buy ) credit card. They stated I had to pay the entire balance, I explained to them that I never owed Best Buy that amount, I found my original best buy statement and informed them of this. This occurred all of last year. Now, XXXX XXXX XXXX must have bought the account and they just called me claiming to be an attorney, stating that they are going to file a case in XXXX XXXX on me, they also admitted that I don't owe $ XXXX, that I only now owe {$1100.00} but if it goes to court I will owe $ XXXX. They are also impersonating the local sheriffs department because I found a " business card '' on my door, with highlighted information and someone had written ( illegible ) their name on it. I guess they were trying to serve me when I wasn't home. The phone number ( I called it ) went to the sheriffs office but required an XXXX 's number ( extension ) of which I did not have ... they did not provide it on the fake card. XXXX doesn't even represent Best Buy anymore. That XXXX was from years ago. I also received a copy of my credit report and that account isn't on my credit report, I contacted my credit report company and they stated that it was probably a scam ( a debt collector trying to get old money... do not engage. I shouldn't have picked up the call. Also, I have not received anything in writing from this company nor the other company that tried to reach me via phone all last year.

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 2026-01-07 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: TX

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP G 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 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX, I initiated the transfer of {$7000.00} from my XXXX Checking Account to my XXXX XXXX. The money was not transferred until late in the day on XX/XX/year>. So I initiated an inquiry as to what happened to the money I transferred, as it was in the external account. The money finally arrived several hours later. By the time the money was in the external account, XXXX immediately initiated a reversal, and the money that I was waiting for XXXX  days was immediately. removed by Chase within an hour on XX/XX/XXXX. It is now XX/XX/year>, and the {$7000.00} Chase reversal is still not in my Chase Checking Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
We filed a compliant with the cfbp under number XXXX. Amex responded and sent a letter stating that they had issued the bonus miles and the credit. The miles were issued. However, the statement credit of {$300.00} was never issued to our account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
My mortgage servicer, Mr. Cooper, failed to pay my homeowners insurance premium from escrow despite having received the renewal packet in XXXX. As a result, my insurance policy with XXXX was canceled for nonpayment. 

XXXX has confirmed that the policy can not be reinstated because it has been expired for more than XXXX  days. We are now being forced to obtain a new policy at potentially higher cost due solely to XXXX XXXX escrow servicing failure. 

XXXX XXXX representatives have acknowledged that the payment was not made, yet have provided no clear resolution and have been difficult to reach by phone, routing us to automated systems. This failure exposed our home to uninsured risk through no fault of our own. 

I am requesting that Mr. Cooper acknowledge the escrow error, correct the escrow account, reimburse or credit any increased insurance costs, and confirm that no force-placed insurance will be applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
JPMorgan Chase Bank closed my checking account after placing it under an internal investigation. I fully cooperated and waited the entire review period. After approximately XXXX months, I contacted Chase for an update and was informed that the investigation was completed and that Chase had decided to return my remaining balance of {$2600.00} by mailed check. 

Despite this determination, Chase has not provided a clear timeline, proof of issuance, or confirmation that the check has actually been sent. I have been given inconsistent and vague responses, and no written confirmation or tracking information. As of today, I remain without access to my funds, which have been withheld for an excessive and unreasonable period of time. 

Chase has not alleged that the funds are forfeited, illegal, or subject to XXXX. Therefore, continued delay in returning my money is unjustified and places an undue financial burden on me. 

I am requesting regulatory assistance to ensure Chase : XXXX. Confirms whether the check has been issued XXXX. Provides the issuance date and mailing address used XXXX. Immediately releases my {$2600.00} without further delay I believe Chases handling of this matter constitutes an unreasonable delay in returning consumer funds following account closure, and I am asking the CFPB to require Chase to resolve this matter promptly.

Company response to consumer: Closed with explanation