vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
I entered into a retail installment contract on XX/XX/XXXX for a XXXX XXXX XXXX. I made a down payment of {$3000.00} and at least XXXX monthly payment, for which I have proof. After missing a payment, I was contacted and asked to come into the dealership under the pretense of addressing a minor issue with the vehicle. On that same day, I went to the dealership with the intention of making the missed payment along with the current payment due in order to bring the account current. Upon arrival, the vehicle was taken and repossessed. Following the repossession, I attempted to resolve the situation by bringing my account current and exercising my right of redemption as stated in the contract. However, the dealership refused to allow me to redeem the vehicle and stated they no longer wished to do business with me. I also requested a full breakdown of the amount owed and confirmation of payments made. This information has not been clearly provided. In addition, the dealership has claimed that no payments were made, despite my having proof of payment. When I contacted the financing company, Lobel Financial, I was informed that the account is now the responsibility of the dealership. However, the dealership has not offered any resolution, payment plan, or opportunity to reinstate the account. During a subsequent phone call with the dealership, I was told that they had paid off the balance to the financing company and that they would not continue the agreement. I was also informed that the vehicle would be resold to another customer. Additionally, personal belongings, including a baby car seat and other items, remain inside the vehicle and have not yet been returned. I believe this situation involves deceptive practices, misrepresentation of payments, and improper denial of my right to redeem the vehicle. I am requesting assistance in reviewing this matter and ensuring that my rights as a consumer are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
# # # * 1. CFPB Complaint Revised * * Issue * : Bank account or service > Problem with deposits or withdrawals * What happened * : XXXX XXXX XXXX, 2026, I deposited a {$2000.00} check from XXXX XXXX XXXX a Huntington Bank XXXX in XXXX XXXX OH. Before the teller took the physical check, I told them I had already mobile-snapped the same check, and the branch XXXX was present for this conversation. The teller still accepted the physical deposit. This caused a duplicate deposit flag, my account was closed, and XXXX placed a XXXX hold on my funds. XXXX XXXX has confirmed the check cleared and there is no fraud. The hold is causing immediate harm because I have a court fine due and face a warrant or license suspension if unpaid. I have not received a written hold notice as required by XXXX XXXX. I am requesting immediate release of my $ XXXX * Desired resolution * : _Immediate release of my {$2000.00} via cashiers check or ACH. Written explanation of the extended hold and the account closure._

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Deposited XXXX party check into business account and a XXXX day hold was placed on the account which was set to expire on XX/XX/XXXX. Was notified by written letter from the bank stating that the hold would be removed on XX/XX/XXXX. Now they have moved the release date to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: AL

Complaint narrative:
To Whom It May Concern : I am writing regarding the above-referenced account. While I do not acknowledge liability for this debt, I am willing to resolve this matter under the terms outlined below. I am offering a payment of $ [ offer amount ] as settlement in full for this account, contingent upon your agreement to remove all references to this account from any credit reporting agencies to which you have reported it. If you accept this offer, you agree to : XXXX. Delete all information regarding this account from my credit reports with all credit reporting agencies ; XXXX. Report the account as deleted rather than paid or settled ; XXXX. Cease any further collection activity on this account. This offer is not an acknowledgment of the debt, but a conditional agreement to resolve the matter. Payment will be made only after I receive written confirmation on your company letterhead agreeing to the terms stated above. If you do not accept these terms, please do not report any partial payment as a settlement, and consider this offer withdrawn. Please respond in writing within XXXX days of receipt of this letter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Booked a flight. Flight was cancelled the day off they provided replacement flight was within a 24 hr period and as a result all attempts to cancel and get a refund were unsuccessful. After months of being strung along I got now where. Now that I need support from my bank which advices to try and resolve the issue through the seller the dispute is automatically closed because its after 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: AL

Complaint narrative:
To Whom It May Concern : I am writing in response to your recent communication regarding the above-referenced account. This letter serves as a formal request for validation of the alleged debt pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. I dispute this debt and request that you provide proper validation, including but not limited to : - The name and address of the original creditor - The full account number - The amount of the alleged debt, including a breakdown of any fees or interest - Copies of any agreement or contract bearing my signature - Documentation proving that you have the legal authority to collect on this debt Until you provide the requested validation, you must cease all collection efforts and communication with me as required by federal law. If you are unable to validate this debt, you must : 1. Cease all collection activity ; and 2. Notify any credit reporting agencies to which you have reported this debt to delete it immediately. Be advised that failure to comply with this request may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office, as well as potential legal action. This letter is not a refusal to pay, but a notice that your claim is disputed. Please provide the requested documentation within 30 days. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
I require immediate written proof of your legal authority to collect, specifically the assignment contract or other documentation showing the transfer of rights from the original creditor to your agency. Please validate the debt in writing with the original contract, full payment history and the chain of custody, or seize all collection efforts, including removal of this collection from my credit reports. If you fail to provide this documentation within 7 days, any further collection activity will be considered a violation of federal law. Be advised that I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney Generals Office, and other relevant regulatory authorities. You are hereby put on notice : without proper validation, you are not authorized to pursue collection on this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TOLL FREE XXXX email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
All of XXXX I have had issues with Chase Bank. Ive had several fraudulent transactions and they eventually took my debit cards away. I had an unauthorized subscription that I made multiple attempts to cancel the transactions. Ultimately choosing to close my account in order to avoid paying the continual fees. This resulted in having a negative balance on my account. That said, I went into the Chase bank on XXXX XXXX in XXXX Texas on XX/XX/XXXX to pay the balance of - {$110.00} to rectify the situation. The bank employee advised that I could come back on XX/XX/XXXX to open a new account. Therefore, I traveled back to the Bank on XX/XX/XXXX to open a new account. Note : I have been advised that a credit union will replace a debit card immediately at any branch! Also, I spoke to a gentleman on the Phone advising that I had paid off the negative balance and the employees were still unable to open a new account for me. They advised that I would receive a letter in the mail explaining as to why they were unable to open the account, but that they had no idea why. All that said, I still have no bank account. I have been a customer of Chase Bank since XXXX and I will never be a customer again. If youre looking for a new bank, I highly suggest a credit union or any other bank other than Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2026, I contacted Capital One customer service to verify the reason for the delay in approving some XXXX transfers. I was assisted by a representative who refused to provide his last name and only identified himself with the employee ID : XXXX. From the beginning of the call, the agent 's treatment was extremely hostile, unprofessional, and he addressed me in an overly informal manner that is inappropriate for a banking institution. During the interaction, the following irregularities occurred : Lack of accessibility and insensitivity : The agent strictly demanded that I turn off my phone 's speakerphone. I consider this demand discriminatory, as no alternative was offered, nor was it considered whether I had any hearing limitation that required the use of this feature to communicate. Abrupt closure and withholding of information : After questioning me about the reason for a transfer from my husband ( which I answered transparently ), the agent placed me on hold and abruptly informed me that my bank account had been closed. Lack of transparency regarding my funds : At no point did the agent notify me that my account was under investigation, nor did he provide vital information regarding the status of my deposited money, or the timeframe and method by which Capital One would return my funds. I understand that the bank has security policies and even the right to close accounts, but the lack of information regarding the destination of my money and the humiliating treatment by its staff is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX XX/XX/year> RE : Unauthorized Disclosure of Personal Financial Information XXXX XXXX. XXXX Violation To Whom It May Concern : I am writing to formally dispute your reporting of an alleged account on my consumer credit report. Under the XXXX XXXX, specifically XXXX XXXX. XXXX, financial institutions have a legal obligation to protect the security and confidentiality of consumers nonpublic personal information. You are currently reporting and sharing my personal financial information with third parties ( credit reporting agencies ) without providing evidence of : My authorization to share this information A valid and enforceable contractual relationship Compliance with privacy notice and opt-out requirements This constitutes a potential violation of XXXX XXXX. XXXX and related privacy provisions. Additionally, under XXXX XXXX. XXXX, a financial institution may not disclose nonpublic personal information to nonaffiliated third parties without proper notice and opportunity to opt out. At this time, I do not recall providing authorization for your company to : XXXX. Possess my personal financial information XXXX. Share my data with credit reporting agencies XXXX. Report this account under my consumer profile Therefore, I demand the following : Immediate validation of your legal authority to possess and report my data Proof of my written authorization Documentation of compliance with all privacy notice requirements If you are unable to provide this documentation, you must : XXXX. Cease all reporting to all credit bureaus immediately XXXX. Delete this account from my credit file XXXX. Cease any further use or disclosure of my personal information Failure to comply will result in formal complaints filed with : - Consumer Financial Protection Bureau ( CFPB ) - Federal Trade Commission ( FTC ) - State Attorney General This letter serves as formal notice of dispute and demand for compliance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: SC

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I am very stress trying to take care of this matter, the more I try the worse my situation gets. I really need help with this issue please. No matter what I do it's not working. I am a XXXX parent trying to make ends meat, it is very stressful without help with the day to day struggles.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Louisiana XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX Santander Consumer USA XXXX. XXXX XXXX XXXX XXXX, TX XXXX Subject : Second Request for Validation and True & Correct Accounting Account Number : XXXX Vehicle : XXXXXXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal follow-up regarding my previous written request for information and accounting related to the above referenced account. Previously, I submitted a request pursuant to federal law requesting a * * true and correct accounting of the alleged debt * * and documentation supporting the reporting and servicing of this account. As of the date of this letter, I have * * not received the information requested * *. Accordingly, I am requesting that Santander Consumer USA provide the following documentation : The original signed retail installment contract or agreement bearing my signature A complete payment history and accounting ledger for the life of the account Documentation showing how the current balance was calculated Itemization of all interest charges, fees, and adjustments Proof that Santander has the legal authority to service and collect on this account Documentation validating the accuracy of any credit reporting related to this account My original request specifically sought a * * true and correct accounting pursuant to applicable federal consumer protection regulations * *, and the requested documentation has not yet been provided. If Santander Consumer USA continues to report this account to any consumer reporting agency, you are required to ensure the information being reported is XXXX XXXX accurate, complete, and fully verifiable XXXX XXXX If the requested documentation can not be provided, I demand that Santander immediately : Cease reporting this account to all credit reporting agencies Request deletion of any negative reporting related to this account Provide written confirmation of such deletion Please consider this a good faith opportunity to resolve this matter. Failure to provide the requested documentation may result in additional disputes being filed with consumer reporting agencies and regulatory complaints. I expect a written response within 30 days of receipt of this letter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Bank of America I am a victim of identity theft. A credit card account was opened in my name at Bank of America without my permission. I contacted Bank of Americas fraud department to report this issue and requested the account be closed. However, I was refused assistance unless I provided additional personal email addresses, which I do not feel comfortable sharing. I am requesting that Bank of America immediately close the fraudulent account, remove it from my credit file, and complete a fraud investigation. I also request written confirmation of the resolution. I am willing to verify my identity through standard methods ( SSN, address, security questions ), but I should not be required to provide unrelated email accounts to report fraud.

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 2026-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
This rental debt was opened in my name without my authorization. I did not sign the lease, did not agree to the rental agreement, and never lived at the property. I became aware of this collection account after it appeared on my credit report. I dispute this debt in full because it is the result of identity theft. I am requesting that the account be investigated and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing in response to your recent reply regarding my previous dispute. You stated that the late payment you reported has been verified. However, your response did not include sufficient proof to support that claim

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 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX XXXX regarding inaccurate and unverified collection accounts that continue to be reported on my credit files. The accounts in question are listed as : * Portfolio Recovery Associates * XXXX XXXX XXXX XXXX What Happened : I recently reviewed my credit reports and discovered that these collection accounts are being reported across all three credit bureaus. I did not receive proper notice or sufficient validation of these alleged debts before they were reported. Because of this, I can not confirm that these accounts are accurate or that they belong to me. After identifying these accounts, I disputed them with the credit reporting agencies. However, the accounts have continued to be reported without providing me with any documentation that proves the debts are valid, accurate, or legally enforceable. The bureaus have not provided a clear method of verification or evidence showing how they confirmed the accuracy of these accounts. As a result, I believe the credit reporting agencies have failed to conduct a reasonable investigation as required by law and are continuing to report information that may be inaccurate, incomplete, or unverifiable. Legal Basis ( Fair Credit Reporting Act ) : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to ensure maximum possible accuracy of the information they report. Under Section 611, they must conduct a reasonable investigation when a consumer disputes information and must delete any information that can not be verified. Requested Resolution : I am requesting that the cre dit reporting agencies : 1. Conduct a proper and lawful investigation into these accounts 2. Provide documentation showing how these accounts were verified, including the method of verification XXXX. Remove these accounts from my credit reports if they can not be fully verified in compliance with the FCRA If these accounts can not be verified within the required timeframe, they must be deleted under federal law. These inaccurate accounts are negatively impacting my credit and financial standing. I am requesting that the Consumer Financial Protection Bureau ensure that XXXX XXXX XXXX XXXX comply with the Fair Credit Reporting Act and correct or remove any unverifiable information. I also request written confirmation of the results of the investigation and an updated copy of my credit report reflecting any corrections made.

Company response to consumer: Closed with non-monetary relief