vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

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 2026-05-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On Friday XX/XX/XXXX, I went to Bank of America located on XXXX XXXX, XXXX to ask for my card information. I was told that the card information does nor exist and was archived. I then called Bank of America at XXXX am, where I was told that I am not able to access my archived data despite the account being under my name and possessing documents proving the card and account existence.

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 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LendingUSA
State: TX

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving 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 2026-05-15 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: Westlake Services, LLC
State: IN

Complaint narrative:
I received the loan for the used vehicle in XXXX and the dealership did not charge me for plates or registration. I contacted Westlake Financial XXXX a month through emails requested and sending them the required documents in order to receive a registration. Indiana XXXX has done XXXX attempts there mail service and still no response. This company does not allow you to speak to anyone and you can only contact them via email. Which they have stop responding to my messages. I am just try to get plates and my vehicle registered

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
My XXXX XXXX were discharged XXXX of XXXX. They have yet to apply the {$38000.00} to my actual balance. My balance in my portal continues to grow with interest daily and now I am getting emails from the department of education that I need to start paying on my loans again which still show {$52000.00}. Daily interest is accumulating and its been a year and a half and they STILL have not applied the discharge to my actual loan balances. I can see the discharge lines in my portal but not applied to my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: MN

Complaint narrative:
I am submitting this complaint regarding the inaccurate and unverifiable information reported under account XXXXXXXX XXXX XXXX XXXX XXXX. Over the past XXXX months, I have submitted multiple disputes through XXXX, XXXX, and XXXX challenging the accuracy and validity of this account. Despite being notified by the credit reporting agencies, the furnisher has continued verifying the account as accurate without conducting a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ). Additionally, I have not received any documentation, validation, or evidence supporting this alleged debt. No contract, billing statements, or proof of legal obligation has been provided, which further demonstrates a lack of proper verification. The furnisher has failed to provide competent evidence establishing my legal obligation for this account. Furthermore, the credit reporting contains inaccurate and inconsistent information, including : Reporting a credit limit on a closed account Inconsistencies between payment history and delinquency status Incomplete and misleading account information These issues demonstrate that the information being furnished is unreliable and unverifiable and reflect a failure to comply with federal consumer protection obligations under the FCRA and may also implicate violations of the Fair Debt Collection Practices Act ( FDCPA ) due to the failure to provide proper validation after dispute.

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 2026-05-15 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
XX/XX/year>, I ordered a product through XXXX XXXX from XXXX using Affirm to pay. I waited several weeks but never received the order. I started to receive emails from XXXX XXXX and Affirm saying I owed my first monthly payment. I contacted XXXX XXXX over the phone in XXXX telling them i had not received the product. They told me to contact Affirm. Affirm opened a case in XXXX and quickly closed the case saying that I owed for the product. I contacted the XXXX XXXX XXXX telling them what happened. They told me not to worry. They have received many complaints about XXXX and undelivered products. I was receiving emails from XXXX XXXX and Affirm telling me to make a payment. I would write back that I never received the item. No response. I opened several complaints with Affirm and every time they told me I owed for the item. My daughter filed a complaint with XXXX in early XXXX, requesting the product order be cancelled since it was never delivered. She also found tracking numbers associated with the product delivery through the USPS portal showing that XXXX deliveries failed due to postage issues including counterfeit postage. She opened a new complaint on my behalf with Affirm providing the USPS tracking and their reponse that the item was undeliverable and Affirm still said I owe for the item. Attaching as much of the communications as I can pull together. XXXX has never responded to the complaint my daughter filed nor have they had any communication with me on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 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: PA

Complaint narrative:
I refinanced a loan for my XXXX XXXX XXXX. The old loan was through Santander. The service and GAP contracts were handled by XXXX XXXX XXXX in XXXX through XXXX. When I refinanced with XXXX XXXX I purchased new GAP coverage along with a new service contract. The service contract and XXXX with XXXX were cancelled on XX/XX/XXXX and XXXX XXXX sent Santander refund checks for both as they were only half used. XXXX XXXX sent me copies of both checks ( GAP {$950.00} and Service Contract {$2800.00} ) that were sent to Santander on XX/XX/XXXX and cashed by Santander on XX/XX/XXXX. I show both contracts cancelled in XXXX when I log into my account. Santander has refunded me the GAP payment of {$950.00}. I have called Santander XXXX times. The first time was on XX/XX/XXXX at XXXX, they told me to contact the dealership to cancel. I then called back to Santander on XX/XX/XXXX at XXXX after verifying with the dealership the service contract was cancelled, checks sent and was Santanders responsibility to refund me. During this call they claimed to see the check for {$2800.00} as he read me off that exact amount without me telling him how much it was. He said they could not refund because the contract was still active and I needed to wait a few weeks. I called again today, XX/XX/XXXX at XXXX and now this person claims they have no record of receiving a check for the service contract and he told me the service contract is still active. I am not getting any answers at this point. I am frustrated and would just like to get this refund. What do I need to do to make this happen? Santander has all overseas clients answering the phone, they are very hard to understand and will not transfer my call even when I politely ask as I am having trouble understanding. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ability Recovery Services, LLC
State: TN

Complaint narrative:
Attached below are the calls I have received from Ability Recovery Services within the past week. The calls have been everyday since XX/XX/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 2026-05-15 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: MN

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 non-monetary relief
Consumer complaint received 2026-05-15 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: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
XX/XX/year> : I am providing a response to Huntington Bank 's XX/XX/year> response to my dispute. Throughout this process, Huntington repeatedly instructed me to resolve the matter directly with the merchant, XXXX XXXX XXXX. However, I had already contacted the merchant both before and during the dispute process. I have now received written confirmation from XXXX XXXX XXXX stating that : -the reservations were cancelled after the chargebacks were initiated, and -their XXXX Department confirmed that the disputed payments are no longer in our accounts and that I must work directly with my bank regarding the matter. This creates a contradictory situation in which : Huntington directs me back to the merchant, while the merchant states the disputed funds are no longer within their control and directs me back to Huntington. At this point, neither party has clearly explained : -the final disposition of the disputed funds, -why the reservations were cancelled while payment was retained, or -how the investigation concluded that no further review was warranted despite the ongoing dispute over the contractual force majeure language. While Huntington maintains that the merchant was willing and able to provide accommodations at the time of cancellation, the reservations were ultimately cancelled and the matter transitioned into the chargeback and dispute process. I respectfully request that the CFPB require Huntington Bank to clarify : -The final disposition of the disputed funds? -Whether any provisional credits, reversals, or merchant recoveries occurred during the chargeback process? and -Why I was repeatedly instructed to resolve the matter with the merchant after the merchant stated the funds were no longer within their control? I continue to request a reasonable resolution of this dispute. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Date : XX/XX/year> To Whom It May Concern, I am writing to formally express my concern regarding the handling of my recent Capital One credit card application and the repeated failures in communication surrounding the identity verification process. I initially began my application on XX/XX/year>. During the verification process, I was requested to provide identification documents. On XX/XX/year>, I uploaded my identification document through Capital Ones online system. I never received any notification that the document was unacceptable, incomplete, or rejected. After hearing nothing further, I contacted Capital One and was instructed to upload the document again, which I did on XX/XX/year>. Once again, no response or status update was provided. After contacting Capital One a second time, I was advised to fax the requested identification documents instead. I promptly complied and faxed the documents as instructed. After additional time passed without any communication, I contacted Capital One again and was informed that the fax had never been received. Throughout this process, I made multiple good-faith efforts to comply with every request, yet I received little to no proactive communication, no clear explanation as to why my identification documents were allegedly not acceptable, and no confirmation of receipt after repeated submissions. This experience has been extremely frustrating and has caused unnecessary delays and wasted time. I am requesting the following : A formal review of my application and identity verification history ; Clarification regarding why my uploaded identification documents were not accepted ; Confirmation of whether technical or processing issues affected my submissions ; Assurance that these delays and processing failures did not negatively impact my application or credit profile ; Improved communication regarding the status of my application moving forward. I would appreciate a prompt response and resolution to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 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: MIDFIRST BANK
State: GA

Complaint narrative:
I am submitting this complaint against my mortgage servicer for blocking me from applying for loss mitigation assistance on my FHA-insured loan. I am currently behind on my mortgage payments and am not yet in foreclosure. On XX/XX/year>, I contacted my servicer to apply for loss mitigation assistance. I was told by a representative that I am blocked from applying for XXXX years. No written documentation or legal basis was provided for this restriction. I previously entered into a XXXX XXXX XXXX ( XXXX ) with this servicer, which I did not successfully complete. However, no loss mitigation option was ever formally executed on my account. The servicer is citing a XXXX-year restriction despite the fact that no modification, partial claim, or other loss mitigation option was ever completed. This appears to violate HUD Mortgagee Letter XXXX, which states that under no circumstances shall a mortgagee block a borrower from being considered or approved for a loss mitigation option. That same mortgagee letter also requires servicers to reevaluate a borrowers eligibility for other loss mitigation options following a failed trial payment plan. I have sent the servicer a written request demanding the specific HUD guideline or regulation authorizing this two-year ban, the triggering event for the restriction, its start and end dates, and whether I may be evaluated for other FHA loss mitigation alternatives such as special forbearance or a partial claim. I have not yet received a written response. I am requesting that the CFPB : XXXX. Require my servicer to provide written documentation of the legal basis for this restriction. XXXX. Investigate whether this restriction violates FHA servicing guidelines. XXXX. Require my servicer to evaluate me for all available FHA loss mitigation options without further delay. I am at risk of falling further behind and eventually into foreclosure if this is not resolved. I am happy to provide any additional documentation upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-05-15 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: MN

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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
Consumer complaint received 2026-05-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: FCI Lender Services Inc.
State: CA

Complaint narrative:
in XXXX I obtained an HELOC from XXXX XXXX lending the company closed and XXXX acquired my HELOC then I did not received any statements until XXXX when a company bought out my HELOC from XXXX they tried to foreclose on my property I though the HELOC was taken care of during my loan modification because I never received any statements or request for payments until the new lien holder filed for foreclosure on my property this forced to file for bankruptcy XXXX XXXX XXXX ) in order to save my home and not become homeless part of my complaint is that after I filed then the lienholder set me up in a repayment plan the problem is that the took the value of the line of credit as the amount I owed them and that is incorrect the amount I owed was around XXXX and not the XXXX and on top of that they added interest from the time they recorded the lien and a lot of extra fees that I do not owe them my loan according to them went ( roughly ) from XXXX to XXXX so they have been charging me interest on XXXX when my original loan was only XXXX I am not a lawyer but for what I have read lenders can not charge fees if they have not provided with any monthly statements this has been going on since XXXX I do not deny I owe some money but not XXXX it was only for around XXXX I have contacted them about it but they say they do not have any record and of course they do not have any info because they probably bought the loan for maybe XXXX cents on the dollar and they want to and are collecting more money and interest then they are entitled. I will like to see if they are willing to settle this loan so I can qualify for a Reverse Mortgage loan because with me being disable and now retired I am having trouble making end meet or at least they have to give credit on the difference from XXXX and XXXX I realize they want to make money on this zombie mortgages they bought for pennies on the dollar but they should be fair I did not know that the loan was not sold to this investment company nobody sent me any statements until they file for foreclosure had I received statement I would of had make payment on the loan instead they allowed the loan to become a Zombie mortgage in order to maximize their investment with disregard to what happen to the people who were under the assumption that everything was fine as far as their homes ( I would call this an abuse on their part ) or loan sharks

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 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
Im writing to file a complaint against CREDIT COLL for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation