vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: NC

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to XXXX5 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
I reached out to Santander seeking assistance because, as human beings, we all face difficult challenges in life. Recently, I have been overwhelmed by serious medical issues that have affected both myself and a family member. To compound the situation, we experienced a death in the family, which has only added to the emotional and financial strain we are under. I attempted to communicate my circumstances to Santander, explaining that I am in a precarious position and urgently need support to get back on track with my loan. Unfortunately, it felt as though my concerns were not being heard, and there was no effort made to help me find a resolution. I believe that financial institutions like Santander should have systems in place to assist individuals going through tough times. Instead of providing support, I felt burdened with various fees and ignored when I was simply seeking guidance and assistance. I have made considerable efforts to resolve this before deciding to consult with an attorney regarding bankruptcy. I have obtained legal representation for the bankruptcy process, but I prefer to work collaboratively with Santander to find a solution that avoids such drastic measures. I genuinely hope for a chance to discuss my situation further and explore potential options for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My deceased husband had XXXX credit cards that were used for his business and some personal items. His office manager had access to them. I was only aware of XXXX of the cards and when he died in XXXX, she started using these cards for her personal use and I was unaware of that. I believe that she started to use XXXX with my name on it and eventually got cards with her name on it. I never saw statements because they were sent to his office and I lived XXXX hours away and now am over XXXX hours away. Even when he was alive, I never saw statements. She was XXXX in XXXX for this and spent time in XXXX. These XXXX cards have approximately {$43000.00} in debt that I did not incur.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am submitting this complaint regarding my Apple Card issued by Goldman Sachs and used for Apple purchases. I attempted to place an Apple order online using my Apple Card, but the transaction would not go through. Goldman Sachs later confirmed by phone that my card had been marked for fraud verification. The issue is that Apple checkout and Apple support did not clearly show or explain that this was the reason the purchase was blocked. Instead, I was left guessing what action I needed to take. Because the error handling and support guidance were unclear, I tried multiple steps myself to resolve the issue. This included paying off my Apple Card balance earlier than planned and then paying off my Apple Card installments as well. I took those actions because I believed, based on the unclear situation and support guidance, that the balance or installments might be preventing the Apple purchase from going through. However, the transaction still could not be completed with Apple Card. After that, I spent approximately XXXX hours dealing with Apple and Goldman Sachs support through XXXX chats and phone calls. I was repeatedly transferred between Apple and Goldman Sachs. Representatives gave inconsistent explanations or blamed the other side. There was no central case owner, no unified written thread, and no clear final resolution. I received multiple case numbers, including Apple case numbers XXXX and XXXX, and Goldman Sachs case XXXX. I was told there would be escalation or follow-up, but I did not receive a clear written explanation or resolution. Apple/Goldman later provided a complimentary XXXX XXXX XXXX station worth approximately {$150.00}, which I appreciate, but that does not address the financial impact and time lost from the failed handling of this issue. My complaint is that Goldman Sachs/Apple Card fraud verification was not communicated properly through Apple checkout or support, which caused me to pay off my Apple Card balance and installments earlier than necessary, lose the ability to keep that cash in savings earning interest until the normal payment timeline, and spend approximately XXXX hours trying to resolve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My credit card was suddenly disabled due to activity, yet nobody could provide an actual explanation for why it was locked in the first place. I called the fraud department FIVE separate times trying to resolve the issue : First call : verified my information and was told they would call back the phone number on file to unlock the account. No callback ever came. Second call : explained that no callback was received. They reconfirmed the correct number and again promised a callback. Nothing happened. Third call : asked whether there was any alternative verification method. I was told to provide the last 6 digits of the bank account linked for payments. Unfortunately, modern financial tools like XXXX use virtual account numbers for privacy and security, which the representative clearly did not understand. After explaining this, the representative disconnected the call. Fourth call : after already spending hours trying to resolve this, I was told the only remaining option was to mail a verification letter. No urgency, no explanation of what fully locked actually meant, and no attempt to expedite the process. Fifth call : I manually relinked my bank account outside XXXX and successfully made a payment to prove the account was valid and active. Despite this, I was told that because the letter process had already started, the account was now completely locked and nothing else could be done except wait up to 10 business days. This entire situation highlights a massive failure in both technology and customer service. In 2026, there is absolutely no reason a bank should be incapable of securely verifying a customer through an app notification, text message, biometric confirmation, or any modern authentication method. Instead, the process was repetitive, inconsistent, uninformed, and ultimately useless. Do better.

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 2026-05-27 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: Consumer Portfolio Services, Inc.
State: NJ

Complaint narrative:
I am filing a complaint regarding the financing and title handling of my vehicle, a XXXX XXXX with VIN : XXXX. I was informed by the dealership that the title to the vehicle was in their possession and had been sent to the lender, Consumer Portfolio Services Inc. However, when I contacted Consumer Portfolio Services Inc., representatives informed me that they had not received the title from the dealership. During my conversations with finance managers at Consumer Portfolio Services IncXXXX, I was told that because they do not possess the title, they technically do not own the vehicle and that the dealership retains rights to it. Despite this, they stated that I am still legally obligated to continue making loan payments to Consumer Portfolio Services Inc. or provide a full payoff amount on the loan. Additionally, representatives informed me that even without possession of the title, they still have the ability to repossess or tow the vehicle, even if payments are being made on time. I was also told that if the vehicle were returned or repossessed, there would be no reimbursement or return of the monthly payments I have already made toward the loan. I expressed concerns regarding the legal status of the financing agreement and title ownership, especially if the lender does not possess the title within the legally required timeframe. However, Consumer Portfolio Services Inc. stated that they could not clearly explain the process or provide clarification regarding my legal protections or rights if the title is not received within the required timeline. This situation has caused significant confusion, distress, and concern regarding : The legality and enforceability of the loan agreement without confirmed title possession ; Potential unfair or deceptive lending and collection practices ; Threats of repossession despite unresolved title ownership issues ; Lack of transparency regarding consumer rights and lender obligations. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and determine whether Consumer Portfolio Services Inc. and/or the dealership have violated consumer protection laws relating to auto financing, title processing, disclosure obligations, and unfair lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts are not mine and were not authorized by me. Please investigate and delete them. Documents attached.

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 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
I talked to the collections agency and they only sent statements and not the validation of debt, that they have the right to collect this debt. Then i tried to dispute it with XXXX and they didnt do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LoanCare, LLC
State: FL

Complaint narrative:
I am requesting clarification regarding my loan accounts and reported balances. I am seeing what appears to be XXXX separate obligations listed : XXXX associated with LoanCare XXXX XXXX XXXX XXXX and another referenced as HUD-related, along with a reported balance of approximately {$15000.00} due by XX/XX/2026. At this time, I do not understand the basis for this additional amount or whether it represents a second lien, deferred payment, escrow advance, or assistance program repayment. I am requesting a full written explanation that includes : A breakdown of all loan accounts associated with my property The origin and legal basis of the {$15000.00} balance Whether this amount is currently due, deferred, or contingent upon a future event How this relates to my active loan modification review and prior trial payments I am seeking clarification to ensure I fully understand my obligations and to confirm that my account has been accurately serviced.

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 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: VA

Complaint narrative:
" I am disputing a collection account for an alarm system that is over XXXX XXXX XXXX. Under the FCRA ( 15 U.S.C. 1681c ), negative accounts are obsolete and must be removed after 7 years. I disputed this directly with the credit bureaus, but they refused to remove it, claiming I am still liable. They are violating the FCRA by continuing to report an obsolete, XXXX account that has been illegally re-aged. Please compel them to delete this inaccurate history immediately. ''

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I received a check for {$4500.00} from my XXXX from my job ( XXXX XXXX is the retirement company issuing the check ) and deposited into a Wells Fargo atm on XX/XX/year>. I have done this in the past and deposited checks from my XXXX from XXXX XXXX and there has never been any issue with ANY check I have deposited. When I deposited in the atm previously wells fargo would always allow an instant {$400.00} be available from any check deposit but no funds were made available. The atm receipt said all funds would be made available on XX/XX/year>. I called into WF to see why even a small amount wasn't instantly available but WF said that it would all clear overnight and all funds would be available on XX/XX/year>. When I wake up today, nothing is available and WF sent a message to me online saying that the funds will be on hold until XX/XX/year>. This is a bank check from my XXXX deposited into my checking account that I have had for XXXX years. I have never deposited a bad check and these funds are easily verifiable as they are from a bank!! When I called into WF to escalate they said that previously a human could help verify funds but now " the system '' will place a hold and that it will just stay there. They say there is no human to escalate this to or to expedite this arbitrary time frame. It also seems highly unethical for the bank to keep this money in their own account, earning their own interest for this arbitrary timeframe that the bank 's system created. Obviously it's not that much money for the bank ( but of course it's a lot for me! ) but if they do this to every deposit, that is a lot of money for them to underhandedly earn!! Please help me find a human at the bank to help my funds become available in my account!!! Thank you!!

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 2026-05-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Subject : Dispute of Ally Bank Auto Account Reporting To Whom It May Concern, I am formally disputing the reporting of an Ally Bank auto account that appears on my credit report. I previously contacted Ally Bank requesting copies of the notes and records on my account because I reported that my co-signer took the vehicle from me without my permission, which caused the account to fall into delinquency and repossession status. I explained to Ally that I did not willingly surrender the vehicle and that the situation involved the vehicle being wrongfully taken from me. I also attempted to obtain the account notes and documentation from Ally to provide to the credit bureaus as supporting evidence. However, Ally has delayed or refused to provide the complete notes related to my account and the reports I made regarding the stolen vehicle situation. Because of these circumstances, I am requesting a full investigation into this account and the accuracy of the information being reported. I request that the account be removed or corrected if Ally can not properly verify the debt and fully investigate the information I reported regarding the co-signer taking the vehicle without authorization. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that all inaccurate, incomplete, or unverifiable information be deleted from my credit report. Please investigate this matter and send me written confirmation of the results. Sincerely, [ XXXX XXXX ]

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I previously disputed this collection account with XXXX due to inaccurate and incomplete reporting. The account lists the collection agency as the original creditor and does not clearly identify the actual original creditor associated with the alleged debt. I do not have knowledge of this account, and I have not been provided adequate documentation or verification to support the reporting of this debt. Despite my dispute, the account was verified without correcting the inaccurate reporting or providing sufficient validation. Under the Fair Credit Reporting Act, credit reporting information must be complete and accurate. I am requesting a proper investigation into this matter. If the furnisher can not provide competent verification and accurately identify the original creditor, this account should be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a Capital One credit card customer with a {$400.00} limit, {$0.00} balance, and no payment due. I paid the full balance, and Capital One has confirmed the payment is received and posted. There are no funds in transit and nothing pending from my bank. Despite this, Capital One has placed a restriction on my account leaving me with {$0.00} available credit, and has told me this restriction will last XXXX days. Capital One 's published payment hold policy is XXXX days, and a payment hold does not apply because there is no payment pending the funds have already left my bank and posted to Capital One. When I called, a representative cited " erratic payment behavior '' but could not identify any specific transaction or behavior at issue. My payment history on this account consists of full on-time payments. A supervisor told me it is a " system hold '' that no one can explain, expedite, or override, and declined to provide a written reason or a specific lift date. I am requesting : ( XXXX ) a written explanation of the specific reason for the restriction, ( XXXX ) immediate review and removal of the restriction given the XXXX balance and clean payment history, and ( XXXX ) confirmation that this restriction has not been and will not be reported negatively to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AE

Complaint narrative:
Form submitted regarding : Bank of America XXXX ID : XXXX Disputed Amount : {$2400.00} I am filing a formal complaint against Bank of America for a severe lack of due diligence in investigating my fraud claim ( ID XXXX ), which directly violates my consumer rights under Regulation Z and the Fair Credit Billing Act ( FCBA ). My physical credit card ending in XXXX was stolen while I was traveling in XXXX, and a fraudulent transaction of {$2400.00} was processed. Bank of America took less than XXXX hours to close the case and deny my claim. A timeframe of under XXXX hours for an international fraud dispute shows that the bank rushed to a conclusion without performing a meaningful, good-faith investigation. In the resolution letter dated XX/XX/year>, Bank of America claims they denied the dispute because the " chip was read, your XXXX was entered, and/or you signed for the merchandise ''. This conclusion is factually and technically incorrect due to the following reasons : The XXXX is Non-Existent : This credit card does not have a XXXX assigned, created, or activated in my account profile. Bank of America has never required or prompted me to set up a XXXX for this card. It is technically impossible for a valid XXXX to be entered at a terminal when no such XXXX exists in my account. Furthermore, if the bank maintains that a XXXX was entered, I formally demand that Bank of America provide evidence specifying exactly which XXXX was used to authorize this transaction. Fraudulent Signature : If there is a signature on file for this transaction, I state categorically that it is not mine. Bank of America failed to properly verify or match any signature before rushing to close my case in less than XXXX hours. I formally demand that Bank of America provide a copy of the signed merchant receipt or voucher so that the signature can be cross-examined and proven to be fraudulent. The bank issued an incorrect denial while completely ignoring the actual configuration of my account ( the absolute absence of a XXXX ). Additionally, I was never notified of this high-value, unusual international transaction through any security text, email, or account alert when it occurred, which shows a complete failure in the bank 's fraud detection responsibilities. I demand that the CFPB compel Bank of America to have a human analyst review this case properly, verify the lack of an active XXXX on my profile, provide the requested evidence of the XXXX and signature, and reverse this fraudulent charge of {$2400.00} immediately.

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