vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 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: TD BANK US HOLDING COMPANY
State: OK

Complaint narrative:
my vehicle had a loan with td finance and I paid the vehicle off in XXXX td finance sent me a lien release in the mail however refuses to send an electronic release to the XXXX XXXX XXXX XXXX XXXX XXXX I have registered the vehicle in XXXX and td finance is still showing as the lien holder. I have spent several hours on the phone with customer service and they are unable to do the release and refuse to transfer me to the title division and there is no direct number. as of XX/XX/year> XXXX XXXX has not received the electronic release from XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 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: AL

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 2026-03-11 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/year> I visited a XXXX XXXX called XXXX after receiving an email stating their aircraft rental rate was {$660.00} per hour and instruction was {$89.00} per hour. At the school they requested my card details for verification purposes only. I did not sign any agreement, invoice, or authorization allowing them to charge my card. I completed 4.3 hours of flight with an instructor and 2.3 hours of flight for a checkride. Based on the rates provided, the expected total cost was approximately {$4600.00} to be charged after filing and signing an authorization form. However, my card was charged about {$5200.00} without my authorization, with an additional {$600.00} which was later described as tax and processing fees that were never disclosed or agreed to before the charge was made. I filed a dispute with Wells Fargo explaining that the amount charged was not officially still authorized, and also exceeded the disclosed expected rates and that I never authorized these additional charges. I requested that the bank obtain proof from the merchant showing that I authorized the total amount charged. Wells Fargo declined my claim and refused to reopen the dispute. A supervisor informed me that the bank would not reopen the claim unless I provided proof that the merchant was not authorized to charge this amount. However, I never signed any authorization, agreement, and the merchant has not provided any documentation demonstrating that I approved the total amount charged.

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 2026-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I file a complaint regarding a collection account reported on credit reports for consumer Portfolio Collectors.A debt buyer reported an alleged account without proper documentation showing ownership or validity of the debt. I sent a written request for debt validation to the collection company. My request asked for the following records : Original creditor name Full original account number Signed agreement linking my name to the account Complete payment history from the original creditor Proof of legal assignment or purchase of the debt Authority for credit reporting activity The collection company failed to provide sufficient documentation. No signed agreement. No full account history. No clear proof of assignment from the original creditor. Despite this failure, the company continues reporting the account to XXXX XXXX and XXXX. Reporting unverified debt creates inaccurate credit reporting and harms my credit profile. Federal law requires accurate and verifiable credit reporting. Reporting activity without documentation violates obligations under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I request a formal investigation of this company and this account. I also request removal of the collection account from all credit reporting agencies unless the collector produces full documentation proving the debt and legal authority for collection and reporting. Thank you for your review and assistance with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have been a Discover cardmember since XXXX with a perfect payment history. My account has an automatic XXXX set up to pay the full balance every month, which worked without issue for years. In XX/XX/XXXX, one automatic payment failed to process due to an incorrect bank account number being entered for the auto pay. I was never notified of the missed payment by any means. When I discovered the issue myself I paid the full balance of {$140.00} immediately. Discover had no valid way to contact me to notify me of the missed payment. My phone number on file was listed as ( XXXX ) XXXX which is not a real number, there was no email address on file, and my mailing address was outdated. I have not changed my phone number or email address and do not know why Discover did not have this information on file. My belief is that my contact information was lost or not transferred correctly when Discover was acquired by XXXX XXXX. Further evidence of this data corruption is that my official XXXX year-to-date statement downloaded directly from Discover 's website is titled " null Year-to-Date Summary '' indicating that their system does not have accurate data on file for my account. Had Discover been able to reach me through any contact channel I would have corrected the payment issue immediately. I contacted Discover to request a goodwill removal of the late payment given my 9 year history of on-time payments, that I paid immediately upon discovering the issue, and that I was never notified due to their failure to maintain accurate contact information. Discover refused. I am requesting that Discover remove the late payment from my credit report as a goodwill gesture given my long history and their failure to maintain accurate account data and notify me through any contact channel.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am filing this complaint regarding inaccurate and inconsistent information being reported on my consumer credit file. After reviewing my credit report, I discovered multiple reporting discrepancies involving the following accounts : XXXX / XXXX Account # XXXXXXXX XXXX XXXX NAVY FEDERAL CREDIT UNION Account # XXXX XXXX XXXX XXXX XXXX XXXX These accounts contain inaccurate and inconsistent data fields across multiple credit reporting agencies. The Navy Federal Credit Union account is reported as closed but does not list a closure date and also shows a missing verification field. The account shows updates after the status indicates closure, which raises concerns about the accuracy of the reporting. These inconsistencies violate the requirements of the Fair Credit Reporting Act, specifically : FCRA 607 ( b ) requirement to maintain maximum possible accuracy FCRA 611 requirement to conduct a reasonable reinvestigation FCRA 623 requirement that furnishers report accurate information I have disputed these inaccuracies with the credit reporting agencies ; however, the information continues to be reported without proper verification. I am requesting that these accounts be fully investigated and deleted from my credit file if the information can not be verified through competent documentation including a signed agreement, full payment history, and proper XXXX reporting data. Failure to correct or delete inaccurate information may constitute negligent or willful non-compliance under FCRA 616 and 617. I am requesting immediate correction or removal of these accounts to ensure my credit file is reporting with maximum possible accuracy as required by federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
XXXX Account XXXX This letter serves as a formal demand for documentation and notice of potential statutory violations regarding the repossession and subsequent reporting of the above-referenced account. Under the provisions of the Uniform Commercial Code Article 9 ( 9-601 through 9-628 ) governing secured transactions and repossession procedures, creditors must strictly comply with statutory requirements when repossessing and disposing of collateral. Specifically, pursuant to UCC 9-611 and 9-614, a secured party must provide the debtor with proper written notice of the disposition of collateral prior to sale. Additionally, UCC 9-610 requires that any sale or disposition of collateral be conducted in a commercially reasonable manner. At this time, I have not been provided with sufficient documentation demonstrating compliance with these statutory obligations. Accordingly, you are hereby required to provide the following documentation within 30 days : 1. A copy of the original signed contract and security agreement. 2. Documentation of the alleged default and full payment history. 3. Proof of lawful repossession including date, location, and repossession agent. 4. A copy of the Notice of Right to Cure, if applicable. 5. Copies of any Notice of Intent to Sell and Notice of Sale of Collateral as required by UCC 9-611. 6. Detailed records showing the date, location, and method of the sale or auction. 7. Documentation establishing that the sale was conducted in a commercially reasonable manner as required by UCC 9-610. 8. A complete accounting of the sale proceeds and calculation of any alleged deficiency balance. Failure to provide the above documentation raises substantial concerns that the repossession and subsequent deficiency claim are unlawful. Courts have consistently held that when a creditor fails to comply with Article 9 repossession and notice requirements, the creditor may lose the legal right to pursue a deficiency balance. Furthermore, if your organization continues to furnish derogatory information regarding this account to credit reporting agencies without the ability to verify its accuracy and legal enforceability, such reporting may constitute violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). If this account has been placed with a third-party debt collector, continued collection activity without proper validation may also violate the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: MIDFIRST BANK
State: OH

Complaint narrative:
I opened a savings account with VIO bank a division of MidFirst Bank in order to receive their good APY. The account was opened, then I received a notice that they closed the account. I contacted customer service by phone to ask why my account was closed since I have exceptional credit ( XXXX Score ), a lot of money to fund the account, and a lot of collateral. I did doublecheck my credit on the credit reporting agencies and also checked XXXX, there were NO negatives anywhere but since the bank would not tell me a reason I wasn't sure what to look for. I was told they couldn't tell me anything due to security other than it was closed due to business reasons. I received a phone call a couple of days later from XXXX at MidFirst bank and I asked why my account was declined, stating that I have a right to know under the FCRA. She said she could not give me any specific reason for declining my account. I opened an account with a different bank two days later.

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 2026-03-11 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: U.S. BANCORP
State: CA

Complaint narrative:
A credit card and bank accounts were opened without my knowledge or consent at US Bank. I called them twice in XX/XX/2025 to inform them of the fraud. Today I applied to lease an apartment, and my credit report shows an open credit card account and recent credit inquiries from U.S. Bank. I have never done business with US Bank, and they clearly failed to correct their issues in XXXX. I called them again today, and they again claimed their fraud department would look into it. I have no reason to believe they will take any action this time, as they did not before. I informed US Bank that they need to not only remove the account from all credit reporting agencies but they also need to remove the credit inquiries as both items negatively affect credit ratings.

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 2026-03-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
So I made a banking dispute XX/XX/XXXX with XXXX they messed up my car with the product. And I havent received temporary credit.

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am filing this complaint against LVNV Funding LLC for reporting inaccurate and unverifiable information on my credit reports with XXXX XXXX XXXX XXXX in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), and the California Consumer Credit Reporting Agencies Act ( CCCRAA ). PROOF OF INACCURATE REPORTING I have attached copies of my credit reports showing the following discrepancies, which prove LVNV Funding LLC fails to follow reasonable procedures to assure maximum possible accuracy : Inconsistent " Date Last Active '' : LVNV reported XX/XX/XXXX to XXXX, but reported XX/XX/XXXX to XXXX XXXX XXXX. A single debt can not have two different " last active '' dates. Inconsistent " Last Reported '' Date : LVNV reported XX/XX/XXXX to XXXX XXXX XXXX but reported XX/XX/XXXX to XXXX. Questionable " Date Opened '' : LVNV reported a " Date Opened '' of XX/XX/XXXX. As a debt buyer, LVNV did not " open '' this account. The original creditor opened this account on an earlier date. Reporting a recent date misrepresents the age of the debt and harms my credit score. PRIOR ATTEMPT TO RESOLVE Before filing this complaint, I sent a formal dispute letter via Certified Mail to LVNV Funding LLC demanding : The original signed contract bearing my signature Complete chain of title showing how LVNV acquired this specific account Full accounting from the original creditor showing how the {$960.00} balance was calculated I also disputed this account directly with all three credit reporting agencies, as shown by the " Consumer disputes this account '' notation on my reports. LEGAL VIOLATIONS FCRA 1681e ( b ) : LVNV failed to follow reasonable procedures to assure maximum possible accuracy, as proven by the inconsistent reporting across bureaus. FCRA 1681i and 1692g : Despite my dispute, LVNV continues reporting without providing verification of the debt. The inconsistent data proves they can not verify this information. California Rosenthal Act ( Cal. Civ. Code 1788 et seq. ) : As a debt buyer, LVNV must provide strict proof of ownership. Debt buyers like LVNV are frequently challenged for lacking this documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing to formally protest the abrupt and unauthorized closure of the joint checking account held by my wife and me, which we have maintained for over 20 years. The account was closed without prior notice or consent, as I discovered earlier today, XX/XX/XXXX. After speaking with three separate representatives at varying levels of authority, I was finally informed that the account was closed due to " dormancy. '' I strongly dispute this classification based on the following timeline : Active History & Recent Use : This account has been highly active for XXXX decades. The most recent transactions occurred as recently as XX/XX/XXXX. Security Precautions : In XX/XX/XXXX, the account balance was intentionally reduced to zero following a series of fraudulent charges after my son ( a joint holder ) lost his debit card. The bank investigated these charges and issued reimbursements in XX/XX/XXXX. Restricted Access : I attempted to secure a replacement debit card for my son to resume normal account activity. However, Wells Fargo refused to issue the card unless the request came directly from him. As previously documented in a formal complaint, my son was XXXX in a XXXX XXXX XXXX following a XXXX XXXX Pending Resolution : I was assured by bank staff that the account status would be preserved until my son was XXXX able to contact them. He is scheduled for discharge this week after a three-month XXXX. It is medically and logically inconsistent to deem an account " dormant '' when it has been the subject of active fraud investigations and documented communications regarding the temporary inability of a joint holder to access services. XXXX months of inactivity while waiting for a bank-mandated verification does not meet the standard definition of a dormant account under most banking regulations or, I suspect, your own internal policies. I am requesting that Wells Fargo immediately restore the account to its active status. This account is vital to our familys financial management, especially as my son transitions home from his 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 2026-03-11 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: EQUIFAX, INC.
State: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
am writing to formally dispute the closure of my account and the withholding of my funds following the deposit of a business check. The check deposited was a legitimate payment issued to my former business. I am the rightful owner of that business and the authorized recipient of the funds. There was no fraudulent intent or misrepresentation involved in depositing this check. After contacting customer service, I was informed that the check had already been cashed by Navy Federal, yet I was also told that I would not be receiving the funds. This is extremely concerning. If the check has been successfully processed and cashed, there is no reasonable justification for withholding my money. Closing my account and retaining funds that have already been collected is unacceptable. I am requesting an immediate written explanation for the account closure and the legal basis for withholding my funds. Unless this matter is resolved promptly and my funds are released, I will be filing formal complaints with the appropriate regulatory agencies and pursuing any other remedies available to recover my money. Please review this matter immediately and provide a resolution.

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