vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 non-monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
- Exact Date unknown ( Est XXXX or XXXX XXXX/maybe earlier ) - NFCU stated they could not submit my title because the title stated " XXXX '' XXXX and not XXXX XXXX . That was false. See upload for proof that title stated my correct name XXXX XXXX. - XX/XX/year> Submitted Title to XXXX to add NFCU as lien holder. ( see uploaded file for proof ) - XX/XX/year> XXXX confirmed NFCU was added to the lien and title mailed to NFCU, XXXX XXXX XXXX XXXX XXXX, PA XXXX ( Was informed by case file manager that NFCU recently moved locations ) Was it lost then or not submitted properly on NFCU behalf ? -Exact dates unknown- but from XX/XX/year> till XX/XX/year>, I was told to multiple times to just wait that NFCU hadn't recieved title. XX/XX/year> " back office '' told me to submit proof that I had submitted and that they would then decrease my interest rate. I asked to defer my XXXX payment to help me financially, just so I wouldn't continue to pay the higher interest rate. The defer was approved. XX/XX/year> Case file manager called and informed me that NFCU had received the title, but the interest rate wouldn't decrease until XX/XX/XXXX payment. I requested to have credit for XXXX and XXXX interest rate applied to XXXX payment he stated he couldn't handle that and was informed collateral control would assist if possible. Was told after all payments submitted that maybe the " back office '' would assist in a 1 time exemption but didn't look great. XX/XX/year> - Paid XX/XX/XXXX payment. Looked online and it stated that my XX/XX/XXXX payment was still at the higher rate, and if it would decrease after the payment was completed, and was informed, the interest rate wouldn't be decreased till the XX/XX/XXXX payment. Also received a letter from NFCU stating that there wasn't enough funds to make the payment which I can provide proof from my bank that there was more than a few XXXX dollars over the loan amount so there was more than enough funds in the account. Doubled amount actually.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
We obtained a consolidation loan that ultimately required collateral to get approved. They added on a product XXXX XXXX that included a gift card once a month. We've never been able to get back in to the program for said gift card. Also, the gift card is not really redeemed or used. We've been unable to use. Also, the interest rate is really high for the program. I found out today that One Main is the subject of a lawsuit for deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/year> a check in the amount of {$100000.00} was to be sent to my mortgage company. The mortgage company has not received the check. Chase says that it was sent. However, the back of the check is endorsed by Chase. I sent 4 checks, all to the mortgage company 30 days apart. {$300000.00} was received by my mortgage company. The one check for XX/XX/year> was no received. They have not told me anything else. Every time I call Chase I have to speak to 5 different people, and I have been disconnected 3 times just today in the transfer process. It is so frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Central Research Inc
State: OH

Complaint narrative:
I submitted a borrowers Defense application in the XXXX of XXXX. My lender stated that because they took my account over at about that time they did not get the paperwork and asked me to resubmit. I emailed the application XX/XX/XXXX after a XXXX point decrease on my credit score. I received a letter acknowledging they put me on administrative forbearance on XX/XX/XXXX. Then received an email saying that I was being taken off of admin forbearance in XX/XX/XXXX. I called and was told it would automatically extend as long as my application process was pending. It did not. I called on XX/XX/XXXX and was asked to upload the application to the portal, which I did, because they claimed they did not receive the application by email in XXXX. I called to verify on XX/XX/XXXX and was told I needed to email again and wait for it to be processed. On XX/XX/XXXX I called again and spoke to a manager who claimed that my application is now outdated and I need to submit a totally new application. My account status was incorrectly reported as delinquent, I should have been placed on administrative forbearance due to borrower defense and the incorrect status has caused credit damage. CRI failed to properly apply protections and gave many misleading answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Navy Federal has frozen {$2000.00} of my hardship loan funds. They told me on the phone that the debt was sold and that I must pay the debt collector directly. Because Navy Federal no longer owns the debt, they have no legal right of offset. They are holding my emergency funds illegally. Out side of the due balance they are withholding MORE than the debt is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Oquirrh Mountain Law Group, P.C.
State: UT

Complaint narrative:
I signed my husband and me up for XXXX XXXX. When I signed up, everything made it sound like the charges were for both of us. Then, when the first charge came out. I was charged double. When I inquired, I was told the charges were per person, which was NOT how it was advertised, so I asked them to cancel our accounts. I was told it was canceled. Now I have realized they have been charging us each month since I canceled in XXXX. Now I am on chat with them, and they are telling me it is because my husband didn't cancel either.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Denali Capital Holdings, LLC
State: CA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX and the continued reporting and collection of fraudulent accounts that do not belong to me. I previously provided XXXX XXXX with both an FTC Identity Theft Report and a police report XX/XX/year> disputing two fraudulent accounts ( XXXX & XXXX ) opened in my name. Despite providing legally ( FTC and police report ) sufficient identity theft documentation, XXXX XXXX failed to properly block, remove, and cease collection activity related to these fraudulent debts. I was later informed that the alleged debt had been sold or transferred to Denali Capital LLC/Denali XXXX XXXX without my knowledge or consent. I was never properly notified of this transfer, nor was I provided adequate validation of the debt as required under federal law. Under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681c-2, furnishers and consumer reporting agencies are required to block fraudulent information resulting from identity theft within four business days of receiving a valid identity theft report. XXXX XXXX and Denali Capital LLC failed to comply with these obligations after receiving my FTC report and police report. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I dispute the validity of any alleged debt associated with these accounts and request full validation of the alleged obligations, including original application records, IP/device information, signed agreements, and proof that I personally authorized these accounts. This continued reporting and transfer of fraudulent debt has caused substantial harm, including credit damage, emotional distress, interference with housing opportunities, and ongoing financial hardship. I request the following immediate actions : 1. Immediate deletion and permanent removal of all fraudulent XXXX XXXX accounts from all consumer reporting agencies. 2. Immediate cessation of all collection activity related to these disputed fraudulent accounts. 3. Notification to Denali Capital LLC and any other third parties that the debt is disputed as identity theft and must not be collected or reported. 4. Written confirmation that the accounts have been permanently removed and will not be resold, reassigned, or re-reported in the future. 5. A complete investigation into how these fraudulent accounts were opened and transferred despite my submission of identity theft documentation. I am requesting CFPB assistance to ensure full compliance with the FCRA, FDCPA, and all applicable identity theft protections under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am filing a complaint regarding my auto loan account and the lenders refusal to release my vehicle title after payoff. The vehicle loan has otherwise been paid in full, including substantial interest charges over the life of the loan. The lender is now claiming I owe an additional {$320.00} in late fees and is refusing to release the title unless this amount is paid. I requested clarification, an itemized breakdown of the charges, and possible resolution or waiver of the fees, but the company has refused to negotiate or resolve the issue. I am disputing whether these fees are accurate and whether they legally justify withholding the vehicle title after payoff of the principal and contractual interest. I am requesting : * A complete accounting of the loan and all fees charged * Verification and contractual basis for the late fees * Review of whether the lien/title is being improperly withheld * Assistance in resolving the dispute and releasing the title This situation is preventing me from obtaining clear ownership/title to my vehicle despite paying off the loan balance. I am requesting that the lender conduct a formal review of the account and work toward a fair resolution.

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 2026-05-12 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I rented a vehicle from XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX. I returned the vehicle on XXXX without incident and the hold of {$500.00} that was on my card for incidentals was returned a few days later. That closed my contract with that merchant. In a separate unrelated incident my card was used fraudulently at the end of XXXX and I requested to have the card closed and the moneys refunded. The Wells Fargo visa closed that account number and issued me a new card which they mailed and was able to recover the fraudulent charge from the merchant which they admitted it was charged in error. On XX/XX/year> before I had the new card in my possession my card number, ccv and exp date was released to XXXX XXXX XXXX aka XXXX XXXX XXXX and they charged me an additional {$180.00} with no notice or explanation and it was an unauthorized and fraudulent charge. I reached out to the merchant and my Wells Fargo visa and have not received a refund. I was also told that XXXX has a program that released this information to merchants that have reoccurring charges for convenience. This merchant is not a reoccurring bill and I want to opt out of this service as it places my information as risk as noted above. This not a service I signed up for or authorized.

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 2026-05-12 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: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
Dispute case number : XXXX Transaction date : XX/XX/XXXX Merchant name : XXXX Disputed amount : {$380.00} Amount to be rebilled : {$380.00} I am filing this complaint against Goldman Sachs Bank USA ( issuer of my Apple Card ) for improperly denying my dispute on an unauthorized fraudulent charge of {$380.00} dated XX/XX/XXXX, to XXXX. In XX/XX/XXXX, my home Wi-Fi was compromised after I clicked a malicious text link on my phone. Scammers used my IP address to make unauthorized purchases, including this XXXX ticket order under a guest account ( not my personal XXXX account ) for an event in Utah. I live in Washington state and had zero knowledge of or authorization for this purchase. Hackers went into my email, bank account, etc to get the information they needed. I immediately contacted XXXX support ( full chat transcripts attached ). Their agent explicitly told me to dispute the charge with my bank because 'all sales are final ' and they have a strict no-refund policy. They could not ( or would not ) assist further. I disputed the charge with Goldman Sachs/Apple Card and provided extensive evidence, including : - Complete XXXX chat logs ( support directing me to the bank + their 'valid transaction ' determination ). - FTC Identity Theft Report # XXXX ( attached ), filed as a victim of identity theft/data breach. - Letter from my insurance company acknowledging the data breach on my network. Proof of another concurrent fraudulent charge on my XXXX XXXX card ( different merchant ) that XXXX XXXX fully investigated and refundedconfirming my accounts were compromised in the same incident. Despite this clear evidence of fraud, account compromise, guest-account usage, and geographic mismatch, Goldman Sachs has denied the dispute multiple times, claiming the charge was 'authorized ' or valid. They have never provided a specific explanation of why my evidence was insufficient or shown they conducted a proper investigation. This has left me financially responsible for {$380.00} in tickets I never bought, received, or used, causing significant stress and hardship. I have also filed with the FTC and XXXX ( Complaint ID XXXX ) against XXXX for refusing to cooperate. I have the report number but sadly after providing it to support documentation for the dispute, I missplaced the file and I only have a copy of the email and report number XXXX. I am trying to understand how we are living now, where scammers are so dangerous, and why Gormand Sachs decided not to look into this. Goldman Sachs ' actions appear inconsistent with their obligations under the Fair Credit Billing Act and appear to reflect the same systemic dispute-handling failures that led to the CFPB 's XX/XX/XXXX enforcement action against Goldman Sachs and Apple ( which resulted in millions in penalties ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
There was a debt that we just paid off last week. Sunrise credit has continued to call and harass my daughter. They called again didn't verify any info and released the info to my daughter.

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 2026-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Suttell, Hammer & White, P.S
State: WA

Complaint narrative:
I am filing this complaint regarding the conduct of Suttell & Hammer, P.S. in connection with litigation initiated on behalf of XXXX XXXX concerning an alleged account that I dispute in its entirety. XXXX XXXX has been repeatedly placed on notice that the alleged account is disputed and associated with identity theft concerns through multiple CFPB complaints and related disputes. Despite being aware that the alleged account was disputed, XXXX XXXX proceeded with collection escalation and referred the matter for litigation. Additionally, Suttell & Hammer has already been directly notified of identity theft concerns involving accounts allegedly associated with me. Their office was previously provided written notice and identity theft-related documentation concerning another alleged account placed with them. As a result, Suttell & Hammer was aware of ongoing identity theft and fraud-related concerns involving my information prior to continuing litigation activity. Despite these disputes and concerns, litigation activity has continued. My household has also been cooperating with an active United States Postal Inspection Service ( USPIS ) investigation involving suspected long-term mail theft and compromised mail. These circumstances directly relate to my disputes and concerns regarding unauthorized account activity. Washington State provides consumer protections for residents regarding disputed debt collection activity and unfair collection practices. I am concerned that collection and litigation activity have continued despite substantial notice of ongoing disputes and identity theft concerns. I dispute the alleged balance in its entirety and do not admit responsibility for the alleged account or any portion thereof. I am requesting that the CFPB formally document and investigate this matter, including the continuation of collection and litigation activity despite repeated notice of identity theft concerns and disputed account status. I reserve all rights and remedies available under federal and Washington State law.

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 2026-05-12 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I was approved for the Chase XXXX XXXX XXXX XXXX Credit Card on XX/XX/year>. I signed up due to a promotional bonus ( which is still shown online : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : " XXXX Bonus Points after you spend {$3000.00} on purchases in your first 3 months ... ''. This bonus was advertised and available on the day I signed up, and was the primary reason for me signing up for the credit card. I began transacting on this account on XX/XX/year>, and spent more than the requisite {$3000.00} by XX/XX/year> ( well before the XX/XX/year> date ). I reached out to Chase customer service to ask about the bonus on XX/XX/year>. They said they would need to investigate and would provide details within 10-14 business days. I never received an update. I contacted Chase again on XX/XX/year>, and they claimed that that offer was not an available promotional bonus, despite the advertisement. They said I would receive an additional letter in the mail within 10-14 business days. However, I am submitting this complaint today, XX/XX/year>, instead. Chase also claimed that I could send a physical letter to their executive office, but refused to provide a claim, reference, or case number for me to reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

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

Company response to consumer: Closed with explanation