vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 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: KY

Complaint narrative:
Validation of Debt Request- JEFFERSON CAPITAL LL - XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX Pacific time, I initiated a wire transfer in the amount of {$28000.00} from Ally Bank to XXXX XXXX. The wire instructions were accurate ( as confirmed by XXXX XXXX, who reviewed the instructions after the fact ) and had been used successfully for other wires. By XX/XX/XXXX, the wire still had not been received by XXXX XXXX. I escalated to Ally to obtain a trace. They indicated the money had been transferred out of their bank, but XXXX had no record of receiving the wire in their systems. The money appears to be lost. I need help obtaining the status of this money.

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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
Validation of Debt Request - NCB - XXXX * * * * XXXX Validation of Debt Request - NCB - XXXX * * * * XXXX Validation of Debt Request - EXTU NCB - XXXX * * * * XXXX Validation of Debt Request - NCB - XXXX * * * * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Central Research Inc
State: TN

Complaint narrative:
In XXXX XX/XX/XXXX I was notified by Credit Karma of an account that was opened and they wanted me to verify it was me. This is when I discovered someone had somehow used my identity to get a student loan with little to no effort. There was XXXX separate loans that occurred at the same time and I filed a complaint with the FTC for Identity Theft and also filed a Loan Discharge Application with The Department of Education. I then provided this information to CRI of which they were totally an absolutely unhelpful in the matter. They would only tell me what college the loan was for and that it was " me '' who did it. I told them it was not me and was identity theft and provided them via email all of the proof showing that it was not me and that they needed to remove the loan that was falsely under my name was it was an act of identity theft and even after I provided all of the information asked of me they refused. The very least I was able to get them to do was remove the falsified reporting from my credit report, but now they are claiming I am way overdue on a loan that isn't mine and that they are going to turn me over to collections and that it is my responsibility even though I have documented proof of it being identity theft. I would also like to note they intentionally used the phone call that I had with them while trying to get the loan removed to apply the loan to my email address ( rather than just a name and phone number ) and have continued harassing me ever since then via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: Chime Financial Inc
State: MI

Complaint narrative:
My card was stolen, I filed a report with chime and they denied my dispute even after I submitted the police report. When I talked to customers service they said there isnt anything they can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: NY

Complaint narrative:
When reviewing my Chase bank statement for XX/XX/year>, I became aware that XXXX had been taken from my account at a non-chase ATM in downtown XXXX. I did not make this transaction so I reported the illegal activity to Chase. They initially refunded the stolen money but then did an " investigation '' and concluded that it had to have been me who took the money out ( because they say only someone with the bank card could have done this and I told them truthfully that the card had never been out of my possession ) and removed the funds from my account. Over the past couple of months, I have spoken to several levels of people at Chase but they keep reconsidering the case and determining that they are bound by the findings of their investigative team and won't return my money. What's frustrating to me is that I know they're wrong since I simply didn't make the withdrawal so I know their " investigation '' ( they never spoke with me directly nor did they contact the police in the area ; when I filed a police report, they told me this type of crime was very common here in NYC, their most frequent complaint ) was cursory at best. Also, it angers me that I have been a client of Chase 's for oveXX/XX/XXXX years, with both a personal and a professional account there [ I'm a clinical psychologist in private practice ] since their refusal to reimburse me suggests either that I'm lying or I'm crazy, neither of which is true. Also, my bank statement shows I bought groceries at a store where I always buy groceries ( on the XXXX XXXX XXXX XXXX XXXX where I live and work ) XXXX minutes after the unauthorized withdrawal in XXXX so there's actually concrete evidence in their possession that proves I couldn't have made the withdrawal, yet they refuse to acknowledge it. It feels to me like a big corporation bullying an individual just because they can and it makes me very angry.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc.
State: CT

Complaint narrative:
Carmax Auto finance Account number is : XXXX Vehicle XXXX XXXX XXXX XXXXXXXX XXXX number is XXXX I am filing this complaint regarding my auto finance contract with CarMax Auto Finance. After reviewing my retail installment contract, I have concerns regarding the accuracy and completeness of required disclosures under the Truth in Lending Act ( TILA ) and Regulation XXXX. Specifically, I am requesting verification and review of : The accuracy of the Annual Percentage Rate ( XXXX ) Proper disclosure of the finance charge Amount financed and total of payments Complete payment schedule Clear identification of the creditor A full accounting of my loan I submitted a written Notice of Rescission and formal dispute to CarMax Auto Finance requesting cancellation and documentation review. As of today, the matter remains unresolved. I am requesting that CarMax Auto Finance : XXXX. Conduct a full compliance review of my contract under XXXX. XXXX. Provide complete copies of all signed agreements and disclosures. XXXX. Provide a detailed loan payment history and accounting. XXXX. Suspend any negative credit reporting while this dispute is under investigation. XXXX. Cancel or otherwise resolve the contract if violations are identified. I am seeking a fair and lawful resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I used my Capital One credit card to make reservations at the XXXX XXXX in XXXX, Me. on XX/XX/year> for {$440.00}. I did not know at the time that Capital One used a third party to make the reservations : XXXX XXXX XXXX. When I called XXXX XXXX to cancel the reservations they told me they could not since they were made by a third party. Subsequently, I called Capital one to cancel the reservations and they said they did. Apparently this did not happen since the charge is still being disputed. I tried calling the XXXX phone nubers for XXXX XXXX XXXX or XXXX XXXX but XXXX line goes dead and the gives an ad for a necklace that calls for XXXX help. When I asked Captial One to call the third party they told me that they didn't know what the company was nor did they have a phone number. I feel that it was Capital One 's responsibility to deal with the third party and to make every effort to get me my refund.Since I have not been able to resolve this issue with Capital One I hope that you can help me get my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XX/XX/year>, a salesperson from XXXX XXXX and XXXX XXXX came to my home to sell a solar system that would be financed through Dividend Finance. During the inhome sales presentation, the salesperson made several statements that turned out to be false. He told both me and my fianc that we were guaranteed to receive the federal solar tax credit, that the credit amount would be {$7100.00}, and that this guaranteed credit would be applied to the loan to keep our monthly payment at {$91.00} per month. He also stated that we would not have to worry about higher payments later. These statements were presented as facts, not estimates or possibilities. After signing the loan, I reviewed the loan documents and discovered that the written disclosures directly contradict what the salesperson told us. The documents state that Dividend Finance does not guarantee that a borrower will qualify for the tax credit, that eligibility depends on individual tax liability, and that the incentive payment amount may be higher than any tax credit received. The documents also state that if the incentive payment is not made, the monthly payment will increase. Because the salespersons statements were false, we relied on incorrect information when agreeing to the loan. This was a doortodoor, inhome solicitation, which is regulated under Pennsylvanias Home Improvement Consumer Protection Act and the Unfair Trade Practices and Consumer Protection Law. Both prohibit deceptive or misleading statements used to induce a homeowner to sign a contract. As a result of the misrepresentation, we now face a required incentive payment of {$7100.00} at month XXXX and a payment increase from {$90.00} to {$120.00} if we can not make that payment. We would not have agreed to this loan if the salesperson had provided accurate information. I contacted Dividend Finance to dispute the loan and requested a review under their misrepresentation and fraud procedures. I also asked for clarification about the tax credit guarantee and the contradictory loan terms. The company has not provided the information or resolution I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Capital Services, LLC
State: NJ

Complaint narrative:
From XX/XX/year> they call me until know they call me XXXX time and they told me the XXXX is call they didnt stop it thes why I would like to complain and I would like sue them

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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: SC

Complaint narrative:
I am filing a complaint against XXXX XXXX International regarding an unverified collection account they are reporting on my credit report. The company is reporting a collection account for {$5700.00} allegedly related to XXXX at XXXX SC. I formally dispute the validity of this debt. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I have requested full validation of the debt, including documentation proving I owe the debt and proof that the collection agency has legal authority to collect it. Additionally, under 15 U.S.C. 1692c ( c ), I have requested that the company cease communication unless they provide proper validation of the alleged debt. Despite my dispute, the account continues to be reported, which may constitute inaccurate or unverified reporting under the Fair Credit Reporting Act. I am requesting that the Consumer Financial Protection Bureau investigate this matter and require the company to provide proper validation or remove the account from my credit reports. Requested resolution : Removal of the unverified collection account from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/year>, I applied for and was approved for the Citi / AAdvantage Platinum Select World Elite Mastercard. At the time of application, the advertised promotional offer was for XXXX bonus miles. On XX/XX/year>, I contacted Citi customer service to confirm that my account was enrolled in the XXXX bonus mile promotion. The initial representative informed me that I was not enrolled in the XXXX promotion, but instead in a XXXX bonus program, which I have already achieved. The representative was unable or unwilling to provide an explanation and initially refused to escalate my call to a supervisor. After approximately XXXX minutes, I was transferred to another representative who stated that because of the specific online link I used when applying, I was only enrolled in the XXXX offer. Both representatives stated that the promotional offer would be reflected in the terms and conditions provided at account opening. However : I have no email documentation specifying that I was enrolled in a XXXX offer. The physical paperwork I received does not reference any specific promotional bonus amount ( neither XXXX nor XXXX miles ). At no point during the application process was it made clear that clicking a particular link would materially change the promotional offer. This appears to be a classic bait-and-switch situation : advertising an XXXX promotion while enrolling applicants into a lower XXXX offer based solely on backend tracking links not disclosed to the consumer. I applied with the clear understanding that I was participating in the XXXX promotional offer. There was no clear, documented disclosure indicating otherwise.

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 2026-03-04 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: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
XX/XX/year> I am filing this complaint because the firm is willfully withholding my financial records after multiple successful identity verifications. To reach a representative, I was forced to create a new account just to bypass automated barriers. Once in contact, I successfully verified my identity twice over the phone with an employee named XXXX and his supervisors, confirming that my identity is linked to both my original and new accounts. During that call, I specifically instructed the representative to send my records from the old account to the functional email address I am currently using. Instead of complying, the representative sent a manual email to that exact functional address containing only 'log-in steps ' for an account he knows is inaccessible. This proves the firm has a working delivery channel yet is choosing to withhold mandated documents. Furthermore, the firm is reporting trading activity to the IRS on an account they are simultaneously blocking me from accessing, which constitutes false financial reporting. This is a direct violation of XXXX XXXX XXXX, SEC XXXX XXXX, and federal consumer protection laws. Because supervisors authorized this obstruction despite full identity verification, I am also alleging a violation of XXXX XXXX XXXX regarding Supervisory Failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
In XX/XX/XXXX the annual fee tried to come out of an account that was empty XXXX XXXX Bank ( XXXX ) XXXX and I was hit with a bounced check fee. That was my fault and I paid it and instructed CITI to delete that bank account and to attach my new savings account XXXX XXXX. on XX/XX/XXXX. CITI claimed they presented a auto payment fee of {$16.00} to my XXXX XXXX and that it bounced and they charged my account {$41.00} bounced check fee. In speaking with XXXX at XXXX today I learned that on XX/XX/XXXX my XXXX XXXX contained {$57000.00} and that CITI presented no auto pay claim to any of my accounts. In XXXX after I learned of CITI 's mistake I called and spoke with their representative at length and figured they would correct their error. They did not. On XX/XX/XXXX I learned that the rep I spoke with in XXXX did not correct their error so I called CITI and spoke with XXXX reps a total of XXXX minutes and they lied and said my XXXX XXXX bounced and refused to waive the bounced check fee. Later that day the CITI app confirmed their lies because I screen shot that none of my accounts were connected to the card and so I went to connect XXXX to the card and CITI sent test deposits to my account. CITI sent a survey to me and I documented the foregoing and they still have not corrected their errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 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: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I paid off my auto loan for my XXXX XXXX XXXX ( VIN : XXXX ) with Kia Motors Finance in XXXX. Despite the loan being fully satisfied, the lien has not been properly released in the North Carolina Electronic Lien & Title ( ELT ) system. The vehicle was titled in North Carolina in XXXX and remains actively titled there as an electronic title. The North Carolina DMV confirmed that XX/XX/XXXX Motors Finance is still listed as the lienholder and that no electronic lien release has been received. I recently moved to New Jersey and my vehicle registration is now expired. I can not legally register the vehicle in New Jersey until North Carolina issues a clean title showing no lien. XX/XX/XXXX previously transmitted a lien release to Texas in error, even though Texas does not hold the title. I have reached out XXXX times with no success in getting the lien properly released through the electronic system. Today, XXXX, I contacted XXXX again and was told the matter was submitted to their title department under reference number XXXX. However, I have not received confirmation that the electronic lien release has actually been transmitted to North Carolina through the states ELT vendor ( E-Dealer ). This lien was satisfied in XXXX. The continued failure to properly release the lien is preventing me from registering my vehicle and operating it legally. I am requesting that Kia Motors Finance immediately transmit the electronic lien release to the North Carolina ELT system and provide me with written confirmation once completed.

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 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have been trying to communicate with Discover about arbitration that I attempted to initiate per their card member agreement. The company has failed to reply to the certified mail delivered on XXXX XXXX with the following tracking number XXXX. There have been ( XXXX ) voicemails left to their legal team on XX/XX/year>, XX/XX/year>, and XX/XX/year>. None of these have been returned and without a response I will be requesting for a general default judgment against Discover as they are breaking their own legally binding agreement.

Company response to consumer: Closed with explanation