vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CT

Complaint narrative:
On Monday, XX/XX/year>, I submitted a formal written request to Nelnet for debt validation under theFair Credit Reporting Act ( FCRA ). I requested two specific documents : theoriginal signed Promissory Noteand the completeChain of Titleproving Nelnets legal right to report this debt to my credit files. 

On Tuesday, XX/XX/year>, Nelnet responded by refusing to provide any written documentation or proof of the debt 's validity. Instead, they sent a generic email stating it would be 'best to speak directly ' via telephone. I believe this is a bad-faith attempt to avoid providing a written record of their inability to produce the legally required verification documents. 

Under the FCRA, if a servicer can not verify a debt, it must remove it from the consumer 's credit report. Nelnet is continuing to report unverified information while actively refusing to provide written proof of ownership. 

Desired Resolution : I demand that Nelnet either provide the requested Chain of Title and Promissory Note in writing through the CFPB portal or immediatelydelete this unverified account from my credit reports ( XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Triton Recovery Group
State: IL

Complaint narrative:
Debt collector has been repeatedly calling for months most recently on XX/XX/year>XXXX  from the phone number XXXX, asking for another person. I am not that person. I have repeatedly told them I do not know that person, I am not that person, and that they have the wrong phone number. I have told Triton Recovery to stop calling me and remove my phone number from their records. At this point their numbers just go to my voicemail, despite blocking them they continue to use other other phone numbers to call me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
While on a cruise with my children, we attempted to take a taxi in XXXX to reach our tour departure point. After declining my {$10.00} cash, the driver said he accepted credit cards. I handed him my XXXX XXXX XXXX  card and he claimed it was declined. I then gave him my Wells Fargo card, but it also didn't work. He told us to get out and accepted XXXX XXXX for the short ride. I believed the matter was resolved. 

A few days later, I discovered the driver had fraudulently charged {$5000.00} to my XXXX XXXX XXXX  and {$4900.00} to my Wells Fargo card. 

XXXX 's promptly contacted me about the suspicious international charge and ultimately credited my account. Wells Fargo did not flag or question a nearly {$5000.00} foreign transaction on a card I never use. I filed a fraud claim immediately on XXXX XXXX ( see attached Letters from Wells Fargo XXXX Assistance XXXX ). Wells Fargo denied it on XX/XX/XXXX. When I called, I was told to refile as a dispute rather than a fraud. I complied, despite having no receipt for the taxi ride. 

On XX/XX/XXXX, Wells Fargo again denied my claim and informed me they would remove my provisional credit on XX/XX/XXXX, asserting they had " proof '' I authorized the charge. When I requested the proof, I was told it would take XXXX days. The documentation I eventually received stated that the charge was for " consultation services, including companionship and shopping, '' which is clearly unrelated to a taxi ride and appears to be fabricated, as we had a tour booked with XXXX and did not need any additional services ( see attached XXXX that Wells Fargo accepted from cab driver, whose company is in XXXX, as seen on page XXXX of that document ). 

With assistance from my personal banker, I reopened the case, submitted time and date stamped photos showing my whereabouts every XXXX minutes from disembarkation to re-boarding, which proves I could not have received such services ( see attached My letter to Wells Fargo detailing my proof - actual PDF file too large to include, but readily available for you to see, if needed ). Despite this overwhelming evidence, Wells Fargo denied the claim again on XX/XX/XXXX, citing XXXX 's 120 day limit ( see attached Wells Fargo letter of XX/XX/XXXX ). 

I reported the fraud immediately and complied with every request. Wells Fargo 's delays consumed the dispute window, and now they refuse responsibility. There is no signed receipt, no verification, and no credible evidence of authorization. 

As a 38 year customer, I expected protection from obvious fraud. Instead, I have been left responsible for nearly {$5000.00} in fraudulent charges.I am simply asking that this charge be reversed and my funds restored.

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 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sezzle Inc.
State: MD

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
This debt is formally disputed. I was never provided proper notice or an itemized statement before the apartment sent this account to collections. The balance of approximately {$900.00} includes unlawful and lease-unauthorized fees. I previously contacted the apartment by email disputing these charges and requesting removal, but no proper validation was provided. XXXX XXXX and the apartment failed to provide documentation proving the debt is valid or authorized under the lease. I request full validation, including an itemized statement and lease authorization, or immediate deletion of this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I am filing this formal dispute to demand the permanent deletion of the Westlake Portfolio Management account due to systemic fraud, material breach of contract, and willful violations of the Fair Credit Reporting Act ( FCRA ). The original creditor, XXXX XXXX XXXX XXXX XXXX XXXX, committed a total failure of consideration by selling me a vehicle with a defective and unmarketable title without my knowledge. Because a clean, transferable title is a condition precedent to a valid auto loan, the original contract was void from inception. Furthermore, XXXX willfully violated the FCRA by failing to report my payment history for over a year and then removing the account from my credit report entirely prior to their bankruptcy, which stripped me of my positive credit history. 

Westlake Portfolio Management subsequently acquired this voided contract with the clear intention of engaging in predatory lending practices, including the enforcement of unconscionable interest rates and the XXXX XXXX of a vehicle for which they did not hold a perfected XXXX due to the underlying title fraud. Westlake is now engaged in " re-aging '' fraud by backdating the account on my credit report to a XXXX start date, despite not acquiring the debt until the XXXX XXXXXXXX XXXX This reporting is factually fraudulent and deceptive, as it omits a year of required payment data and misrepresents the date of acquisition. I demand that Westlake Portfolio Management immediately and permanently delete this trade line from XXXX XXXX XXXX XXXX. Any attempt to verify this debt without producing a clean title and an accurate XXXX acquisition date will be treated as a willful violation of federal law.

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 2026-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I am a Wells Fargo Auto loan customer. I moved from [ XXXX XXXX ] to XXXX  and followed all legal procedures to transfer my vehicle registration. On XX/XX/year>, I submitted the required 'Lienholder Out-of-State Title Request ' ( XXXX  XXXX XXXX XXXX ) XXXX Wells Fargo. 

Despite this being sent over XXXX  days ago, Wells Fargo has failed to deliver the physical title to the XXXX  XXXX in XXXX. On XX/XX/year>, I contacted Wells Fargo customer service and was told they have no tracking number and no record of the title being sent. 

Because of this delay, I can no longer XXXX XXXX my vehicle because the bank is withholding the necessary collateral documentation. This is causing significant hardship as I am now without legal transportation despite being in good standing on my loan. ''

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 2026-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: AMERISAVE MORTGAGE CORPORATION
State: PA

Complaint narrative:
Reference prior complete that was closed XXXX  XXXX I would like to submit proof that I received a letter from XXXX on XX/XX/year> that confirmed that my loan to value was 79.84 %. This should the XXXX for the XXXX  monthly payment to be removed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: OPTUM BANK, INC.
State: CT

Complaint narrative:
I requested a yearly report be sent to my email because the wont allow me to generate a yearly report online. I waited over XXXX weeks. XXXX  request was about third week of XX/XX/year>. I made a second request XXXX weeks later. 

Its now XX/XX/XXXX, and still I have nothing. 

I need the report for itemized deductions on my taxes XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
During the period in which the late payments occurred, I was experiencing a documented medical hardship that required hospitalization. This directly impacted my ability to manage finances at that time. 

Since resolving the medical issue, I have regained stability, satisfied the loan in full, and maintained improved financial responsibility. I requested goodwill consideration based on this hardship and my post-payoff conduct, but my requests were denied without meaningful review.

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 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One keep sending promotional Credit Card mail to my address at XXXX XXXX XXXX XXXX on the name of my former wife XXXX XXXX XXXX. this is a very disruptive action being i have been divorced for more tha 8 years and i want Capital One to stop sending me this promotional mailing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Dear Credit Reporting Agency, I am writing to formally dispute inaccurate information currently being reported on my consumer credit file regarding an account with XXXX XXXX XXXX XXXX. This letter serves as a request for reinvestigation pursuant to my rights under 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), 15 U.S. Code 1666b, and FCRA Section 605B. 

Consumer Information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX City, State, ZIP : maple shade XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Account Information : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Loan Term : XXXX  Months Status : Paid in Full and Closed on XX/XX/XXXX Despite this account being fully paid and closed, it continues to report as a negative item with late payments. This reporting is inaccurate, misleading, and harmful to my credit profile. 

Under the Fair Credit Reporting Act, you are required to maintain maximum possible accuracy. Because the account has been satisfied, the continued reporting of negative information including late payments must be corrected or deleted immediately. 

# # # Request for Method of Verification Please provide a detailed description of your reinvestigation, including : - The systems and/or personnel used to review and verify the debt and the reporting of this account. 
- The time, date, email addresses, and phone numbers of each party contacted during the investigation. 
- A copy of the Automated Consumer Dispute Verification ( ACDV ) or any records furnished to verify this account and its payment history. 

If you are unable to produce competent documentation verifying the accuracy of this reporting, you are required under federal law to delete the inaccurate information from my credit file. 

Additionally, pursuant to FCRA Section 605B, I request the immediate correction of all improperly reported late payments associated with this account, as they do not reflect the accounts paid status. 

Please complete your investigation within the timeframe required by law and provide me with written confirmation of the results along with an updated copy of my credit report. 

Failure to comply with federal reporting requirements may constitute a violation of the Fair Credit Reporting Act, and I am prepared to pursue all remedies available to me if this matter is not resolved promptly. 

Thank you for your immediate attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am filing this complaint because XXXX  failed to properly correct inaccurate personal identifying information and failed to conduct a reasonable reinvestigation of a disputed account. 

The disputed account is : SANTANDER CONSUMER USA XXXX  reported that the account was verified. However, no documentation was provided to substantiate contractual liability, complete payment history, date of first delinquency, or balance calculation. 

Additionally, XXXX  has reported inaccurate identifying information. My correct legal name is XXXX XXXX XXXX. Any variation including XXXX is inaccurate and must be permanently deleted. Under 15 U.S.C. 1681e ( b ), XXXX  must maintain reasonable procedures to assure maximum possible accuracy.

Under 15 U.S.C. 1681i ( a ) ( 7 ), I requested the method of verification and documentation relied upon. That information has not been provided. 

I am requesting regulatory review of XXXX compliance with its reinvestigation and accuracy obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
SPRINGOAKCAPis falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAPis 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 2026-02-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA

Complaint narrative:
On XX/XX/year>, I attempted to transfer money from my Apple Savings account to my verified XXXX XXXX checking account. Smaller transfers had worked previously after micro-deposit verification. 

The transfer was declined about XXXX hours later. I called XXXX XXXX support ( Goldman Sachs ) on XX/XX/XXXX. They stated they needed to verify ownership of the XXXX account via a three-way conference call with XXXX. 

On the same day, Apple Savings initiated a three-way call, but XXXX refused to participate, stating they do not do third-party verification calls. I called XXXX directly and requested an exception, which they refused. I then called Apple Savings again and asked for alternative verification methods ( account statements, documents, etc ). They said no other options exist beyond the three-way call. 

Apple Savings confirmed they can not process transfers without XXXX verification and offered no alternatives. XXXX again refused exceptions. 

My funds remain completely inaccessible for external transfer despite the account being verified via micro-deposits. I can not access my own money for essential living expenses. No other withdrawal paths work due to the same verification block. 

This situation has created an impossible deadlock and made my own money inaccessible to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I was not informed nor and knowledgeable about this debt being sent to another company while under the impression of XXXX XXXX company only which is who I contracted with, I was told that this information was sent over to XXXX XXXX XXXX XXXX. After receiving a letter from them. 
I spoke with a representative at XXXX and they were very disrespectful about my responsibility being that I stated I was not aware of this letter being sent to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Unexpected fees — 
Company: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have never received any formal debt validation, supporting documentation, or itemized receipts from the company substantiating or verifying the legitimacy of this account. Despite the passage of time, no written evidence has been provided to demonstrate that this debt is valid, accurate, or legally enforceable. As such, I have not been given sufficient documentation to confirm the origin, amount, or authorization of the alleged obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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