vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Tesla, Inc.
State: CA

Complaint narrative:
My original vehicle lease with Tesla Finance LLC expired XX/XX/XXXX. Tesla never provided an executed replacement agreement, signed contract, XXXX disclosure, or any document bearing my signature authorizing a new financial arrangement. Tesla XXXX own account portal still classifies this as a lease confirming no replacement agreement exists. Tesla collected 22 monthly payments of {$320.00} totaling {$7200.00} under no valid contract. In XX/XX/XXXX Tesla wrongfully repossessed my vehicle by misapplying my payments to disputed repossession fees without my authorization creating an artificial delinquency. Tesla customer service told me the exact amount to pay to cure the account. I paid it in full. Tesla took no corrective action. On XX/XX/XXXX Tesla repossessed my vehicle again under the same pattern with no valid contractual authority. I transmitted a wire transfer that same day covering all amounts Tesla claimed were due including XX/XX/XXXX payment. Tesla Finance LLC also failed to report 22 months of on-time payments to any credit bureau then denied my application for a replacement lease citing no payment history a condition entirely created by Tesla XXXX own reporting failure. I paid {$200.00} deposit and {$3000.00} in rim repairs to prepare for vehicle return based on Tesla XXXX representations. A small claims lawsuit has been filed in XXXX XXXX XXXX XXXX. A DFPI complaint has also been filed.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding the accuracy of credit reporting on my mortgage account with LoanCare. During XXXX, I was placed into a COVID-related forbearance, deferment, or loan modification program. At that time, I was instructed not to make payments, that payments were deferred and would not be reported as late. Based on that guidance, I followed the terms provided. However, my credit reports reflect multiple late payments and extended delinquencies during that same timeframe, including XXXX, XXXX, and XXXX day late statuses. This does not appear consistent with the deferment/forbearance status I was under. I have made multiple attempts to resolve this issue directly with LoanCare and have requested a written review of how my account was reported during that period. Despite these efforts, I have not received a written explanation and have repeatedly been directed to contact them by phone instead. Additionally, in 2023, I experienced a temporary medical leave that impacted my ability to remain fully consistent during that period. I have since brought the account current and have maintained good standing. I am requesting : XXXX. A formal review of the credit reporting during the XXXX deferment/forbearance period XXXX. Correction of any inaccurately reported late payments associated with that timeframe XXXX. A written explanation of how the account was coded and reported during that period and whether it aligns with applicable COVID-related relief guidelines XXXX. Consideration of a goodwill adjustment for any negative reporting associated with the 2023 medical hardship period I am seeking to ensure that my credit reporting accurately reflects the status and terms of my account during the COVID-related relief period and subsequent hardship.

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 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
There was multiple transactions where I accidentally put in the wrong persons information or it was off by digit or letter because I am visually impaired. It happens sometimes, and I informed the company or I informed the company about people who were scamming, and my money was not replaced. I asked for refunds I sent them information about how I found out that these people were scamming and I was never reimbursed. They told me everything that I submitted was unfounded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am submitting a complaint regarding my Apple Card installment plan, issued through Goldman Sachs. I enrolled in a XXXX installment plan and successfully made XXXX out of the XXXX payments. I had been consistent and acting in good faith throughout the duration of the plan. Unfortunately, I missed XXXX payment due to financial hardship. On XX/XX/XXXX, prior to my installment plan being disenrolled, I proactively contacted Apple Card/Goldman Sachs to explain that I was struggling financially and requested assistance or flexibility to stay on track. My request was denied without any meaningful accommodation or alternative solution. Shortly after, my installment plan was canceled due to the missed payment. Given that I had already completed the majority of the plan ( XXXX out of XXXX payments ), I believe the outcome is disproportionate and does not reflect my overall payment history or good faith effort to meet my obligations. I understand that payment agreements include terms regarding missed payments. However, I am concerned that the strict enforcement of these terms, especially after I reached out in advance for help, resulted in an unfair outcome. I am not disputing my responsibility to pay. I am simply asking for fair consideration based on my consistent payment history and my attempt to seek help before the issue escalated. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am disputing a collection account being reported by National Credit Systems , Inc. related to an alleged rental debt in the amount of {$6200.00}. On or around XX/XX/XXXX, I received the results of a credit bureau investigation in which this company verified the account as accurate. However, I have not been provided with sufficient documentation to support that I am legally obligated to pay this debt. The account lists a date of first delinquency of XX/XX/XXXX, but I have not received a copy of any signed lease agreement, itemized statement, or documentation showing how this balance was calculated. Additionally, I have not received proof that National Credit Systems , Inc. has the legal authority to collect this debt or that it was properly assigned to them. Despite the lack of proper validation, this account continues to be reported on my credit file, which is negatively impacting my creditworthiness. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of a debt, and a debt collector must provide sufficient documentation to verify the debt. Reporting a debt without proper validation may also constitute inaccurate or misleading reporting under the Fair Credit Reporting Act ( FCRA ). I am requesting that National Credit Systems , Inc. either provide full and complete validation of this alleged debt, including all supporting documentation, or immediately delete this account from all credit reporting agencies. I am also requesting that they cease reporting this account until proper validation has been provided. I am maintaining records of this matter and expect a prompt and thorough investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mandarich Law Group, LLP
State: MO

Complaint narrative:
Issue : Repeated unlawful reporting and collection of disputed debt over multiple years I am filing this complaint against XXXX XXXX XXXX and Mandarich Law Group LLP for ongoing and repeated violations of federal law. This matter is not new. I have disputed this alleged debt multiple times over the course of several years. Despite this, the account continues to be re-reported, transferred, and pursued without proper validation. This pattern of conduct includes : - Re-reporting disputed and unverified debt - Transferring the account to new collectors after disputes - Failing to conduct reasonable investigations - Continuing collection efforts despite unresolved disputes This repeated behavior demonstrates willful noncompliance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. As a result of this ongoing misconduct, I have suffered : - Continuous damage to my credit profile - Emotional distress and harassment - Interference with my financial opportunities Requested Resolution : - Immediate and permanent deletion of this account from all credit reporting agencies- Written confirmation that this debt will not be sold, transferred, or re-reported - Cease all collection activity - Monetary compensation for damages caused by years of repeated violations If this matter is not resolved, I am prepared to pursue legal action for statutory, actual, and punitive damages.

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

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
Huntington bank refused access to my account information formal complaint against Huntington Bank regarding fraudulent activity, denial of account access, and failure to comply with federal consumer protection laws. On or around XX/XX/year>, I made my first attempt to access and address serious issues involving accounts opened in my name without authorization. Despite providing valid identification and notifying the bank of suspected fraud, I was denied access to my own account ( s ). I made additional documented attempts on XX/XX/XXXX and XX/XX/year>. These repeated delays created a critical time lapse that prevented me from completing necessary transactions and protecting my funds. I have reason to believe that multiple accounts were fraudulently opened in my name and that a substantial amount of moneypotentially up to $ XXXXwas transferred or removed without my authorization. Huntington Bank has failed to provide transparency, transaction history, or meaningful assistance, even after I submitted proof of identity and reported the matter. This conduct raises serious concerns under, but not limited to : * Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 Failure to investigate and resolve unauthorized transactions * Regulation E ( 12 CFR Part 1005 ) Failure to provide timely access and error resolution * Fair Credit Reporting Act ( FCRA ) If inaccurate reporting is involved * Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Dodd-Frank Act Additionally, the banks refusal to grant account access and disclose transaction records after receiving a fraud report and identity verification may constitute negligent handling of consumer financial information and obstruction of my ability to mitigate damages. I am requesting the following immediate actions : 1. Full access to all accounts opened in my name 2. Complete transaction history for all affected accounts 3. Formal fraud investigation into unauthorized account activity 4. Reimbursement of any unauthorized withdrawals or transfers 5. Written explanation for denial of access despite verified identity 6. Preservation of all records, surveillance, and internal communications related to my accounts I have also taken steps to report this matter and will pursue all available remedies, including escalation to additional regulatory agencies and legal action if necessary. Please note : Due to repeated delays caused by the banks inaction, I have suffered financial harm and loss of opportunity to meet critical deadlines tied to these funds. I expect a prompt and thorough response within the timeframes required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I am submitting a complaint regarding the credit reporting of my mortgage account serviced by Rocket Mortgage. I was enrolled in an approved mortgage forbearance plan with my servicer. During this time, I understood that my payments were temporarily paused due to hardship and that my account would be reported appropriately in accordance with federal guidelines. However, I recently discovered that my mortgage account has been reported to the credit bureaus as 120 days late, which has significantly impacted my credit. This reporting does not seem accurate based on my understanding of how forbearance plans should be handled. To my knowledge : * My forbearance plan was approved and active during the time payments were paused. * I was under the impression that accounts in forbearance should not be reported as newly delinquent if they were current at the time the forbearance began. * I previously participated in a forbearance plan, and no negative credit reporting occurred at that time. I contacted the servicer, and they stated that I agreed to credit reporting terms when entering the forbearance plan. However, I do not believe that I should be reported as 120 days delinquent solely due to participation in an approved forbearance program. Requested Resolution : * A full review of my account and credit reporting history during the forbearance period * Correction of any inaccurate negative reporting to all credit bureaus, including removal of the 120-day late status if it was reported in error * Written clarification of how my account was reported during the forbearance period and why This issue has negatively affected my credit profile, and I am requesting that it be investigated and corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
The promotional offer was a {$500.00} statement credit and bonus miles when making a XXXX purchase. I did make a XXXX purchase. They will not honor the statement credit now. Amex did an investigation and concluded that there is no statement credit. A supervisor said there is nothing she will do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 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: FL

Complaint narrative:
On XX/XX/year>, I purchased a vehicle through XXXX XXXX. I was not properly informed of the financing company at the time of purchase. On XX/XX/year>, the vehicle was assigned for repossession due to lack of communication and failure by the dealership to provide financing details. I later paid Santander Consumer USA {$17000.00} in full to recover the vehicle. At the time of payment, I was explicitly told by Santander representatives that no further action was required on my end and that I could resume normal use of the vehicle. Approximately XXXX months later, the vehicle was discovered to be unregistered during a traffic stop. This was unexpected, as I had been told the account was fully resolved. Since then, I have made over XXXX calls to Santander Consumer USA attempting to obtain the title or information necessary to register the vehicle. Each representative has provided inconsistent or conflicting information. Most recently, Santander has stated that XXXX holds the title, while also indicating that the title may have been transferred back to Santander after repossession recovery. There has been no clear or consistent confirmation of who currently holds the title, nor any documentation provided to me. As a result of this failure to properly process the lien satisfaction and title transfer after full payment, I am unable to legally register or operate my vehicle. This has directly impacted my ability to work and maintain financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I attended a scheduled XXXX XXXX appointment at a Bank of America branch, arranged by my estate case manager, to obtain documentation required by the court for a probate matter. Specifically, I requested written confirmation that funds would be held in a blocked/restricted account requiring a court order for withdrawal pursuant to California XXXX XXXX XXXX. I remained at the branch for over XXXX and a half hours and was given conflicting information by staff regarding whether this documentation could be provided. I worked with a senior banker and branch manager, who escalated the issue to their legal team. I was ultimately told that Bank of America could not provide any written confirmation and that a court order directed to the bank would be required first. During this process, I requested escalation and contact information for higher-level management, which was refused. I was provided a customer service number to file a complaint ; however, I was unable to obtain assistance through that number because I do not have an existing Bank of America account. My estate case manager was involved and communicated with both the branch and internal teams, resulting in ongoing back-and-forth without resolution. I was informed the matter would be escalated further, but I have not received timely follow-up, and it has now been over a week without a resolution. As a result, I am unable to open or complete a required blocked account or obtain the documentation needed to comply with a court requirement, preventing me from proceeding with my probate case and accessing estate funds. This has caused significant financial hardship. I am requesting that Bank of America provide clear documentation or guidance regarding their policy for blocked probate accounts and the required confirmation needed by the court

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 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Certified letter sent to MIDLAND CREDIT MANAGEMENT FOR debt verification. Requested for account not to be reported to the credit reporting agencies, the debt is disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mortgage Research Center, LLC
State: HI

Complaint narrative:
I am in the process of moving on base housing due to medical issues. I have to rent out my home here and also the one in XXXX because my tenants moved out, which is under XXXX XXXX XXXX. I am trying to be proactive and prevent falling behind until I can rent the properties. Living on base all my XXXX will be taken and my current base pay will not cover the XXXX home loans, and I need the rental income to cover. I called to get a temporary forbearance of three month which is the usual for VA loans. They refused. They said I had to fall behind on payments by 120 days first before they can offer anything. So, they want me to ruin my credit instead of helping me be proactive. These late payment will stay on my credit report for 7 years. My other loan company XXXX XXXX offered it no issues but XXXX XXXX cares more about their loan servicers than the actual Veteran.

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 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: AR

Complaint narrative:
On XX/XX/XXXX I was robbed in XXXX Arkansas my wallet chime card., XXXX XXXX card money and social security card plus phone was all stolen from me. Later that day I get on the phone with chime to report it stolen I already had my taxes stolen out my account. XXXX ATM withdrawals of XXXX and XXXX I filed my dispute with chime # XXXX They won't accept my police report and they say I need more finding.But how does a person get more findings if there phone wallet and etc was stolen from them. I expressed this to management and got hung up on in my face Today XX/XX/year> XXXX .calls are recorded

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I am filing this complaint regarding inaccurate and improperly reinserted information being reported on my credit file by TD Bank ( Nordstrom account ). This account was previously removed from my credit report and later reinserted without proper notice or certification. I disputed this account and requested verification, but it continues to be reported without providing the required method of verification. This conduct violates the Fair Credit Reporting Act, including reinsertion without proper notice and failure to conduct a proper reinvestigation. Requested resolution : I am requesting immediate deletion of this account, documentation showing compliance with reinsertion requirements, and written confirmation of removal.

Company response to consumer: Closed with explanation