vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: NC

Complaint narrative:
XXXX XX/XX/XXXX, my vehicle was seized by law enforcement. On XX/XX/XXXX, a state court issued an order directing that the vehicle be released to me. When I arrived to retrieve the vehicle, the lender had already taken possession. On XX/XX/XXXX, I contacted the lender. During that call, a representative confirmed my loan account was current and not in default. The same representative demanded approximately {$8000.00} as a condition to release my vehicle. No itemization or legal basis for this demand has ever been provided. This demand violates UCC 9609, which permits repossession only after default. No default existed. On XX/XX/XXXX, I submitted a written communication to the lender, advising that I had made repeated attempts to resolve the matter and referencing the court order. The lender has not responded substantively. On XX/XX/XXXX, the lender sent a Final Vehicle Disposition Notice that again acknowledged my account is current but continued to demand {$8000.00} and gave five days to retrieve the vehicle. When I contacted the facility where the vehicle is held, the facility stated the lender must authorize the release. The lender has failed to provide any notice of sale as required by UCC 9611 and 9613. To date, the lender has not : Released my vehicle Provided an itemized accounting of the {$8000.00} demand Responded to the court order Complied with UCC 9609, 9611, or 9613

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Amex accounts ending XXXX, XXXX : XXXX XXXX XXXX XXXX American Express has been unable to explain how my son 's Social Security Number was attributed to an account I personally opened, XXXX. I am concerned about the potential credit and identity implications for both myself and my son. XXXX. UNREASONABLE RESOLUTION PROCESS : After over an hour on the phone and biometric identity verification, I was directed to an outdated mail or fax process with no written confirmation of what is required. This is an unreasonable burden given that the issue originated with American Express. XXXX. FAILURE TO PROVIDE WRITTEN CONFIRMATION : American Express declined my reasonable request to confirm in writing via email what documentation is needed and where to send it, leaving me with no record of the conversation or next steps. I am requesting that the CFPB require American Express to : ( 1 ) explain how my son 's Soc ial Security Number was attributed to my account; ( 2 ) correct the record immediately ; ( 3 ) confirm in writing the steps required to resolve this issue via a secure digital channel; and ( 4 ) confirm that neither my credit nor my son 's credit has been adversely affected by this data error. I should not be required to spend additional hours on the phone or submit sensitive personal information via mail or fax to correct an error made by American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting and improper collection activity related to accounts that were settled and paid in full in XX/XX/XXXX. After reaching settlement agreements and paying the agreed-upon settlement amounts, the remaining balances were subsequently sold or assigned to other collection agencies, which are now attempting to collect debts that should no longer be owed. Additionally, these balances continue to be reported on my credit reports, causing significant harm to my credit profile. Account XXXX : Creditor : USAA Federal Savings Bank Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Status : Closed and Settled/ Paid XX/XX/XXXX Amount Paid : {$6200.00} Current Amount Reported to Collections : {$4700.00} Last Updated on Credit Report : XX/XX/XXXX These accounts were settled and paid pursuant to agreements reached with the original creditors in XX/XX/XXXX. After payment was made, the remaining balances were nevertheless transferred, sold, or assigned to collection agencies that are now attempting to collect additional amounts. I dispute the accuracy and legality of reporting and collecting these balances because : XXXX. The debts were settled according to the terms agreed upon with the creditors. 2. Collection agencies are attempting to collect balances that should have been resolved through settlement. 3. The continued reporting of these balances as outstanding collections is inaccurate and misleading. 4. If the creditors accepted settlement as full satisfaction of the debt, any subsequent collection activity on the remaining balance is improper. 5. The reporting appears inconsistent with the requirements of the Fair Credit Reporting Act ( FCRA ) and may constitute inaccurate furnishing of information.

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 2026-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I Used upgrade to pay for a XXXX flight, XXXX cancelled the flight, and then went bankrupt. Upgrade was aware of the issue. XXXX promised to refund with other compensation for travel costs. And I asked them to cease calling me. Since then they have continued to call me on a daily basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank sent me a letter claiming or suggesting fraudulent activity/identity theft related to my account. This is incorrect. I opened the account myself online, and I fully authorized the account opening. I was not a victim of identity theft, and I never claimed that the account was opened without my authorization. All transactions on the account were made by me or approved by me. I did not report the transactions as unauthorized, and I did not claim that I did not participate in them. Despite this, TD Bank closed my account arbitrarily and without a valid reason. This has caused me financial hardship and serious inconvenience because I no longer have an account where I can receive my Social Security benefits. I want to make clear that this matter is not fraud, there is no identity theft, and any statement or record suggesting that the account was opened fraudulently or that the transactions were unauthorized is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/year>, an erroneous charge of {$600.00} from the merchant " XXXX XXXX XXXX '' was debited from my credit card account. This charge is a case of complete identity mismatch and administrative error. The bank 's back-end dispute and retrieval processor, XXXX XXXX XXXX forwarded me the merchant 's validation documentation to justify the charge. However, the documentation provided ( the invoice, service agreement, and authorization signature ) belongs entirely to an unrelated third party named XXXX XXXX. My name appears nowhere on the contract, receipt, invoice, or delivery documentation. I am not disputing the validity of the underlying debt itself ; I am stating that the debt belongs to XXXX XXXX and not to me. Over the past year, I have attempted to resolve this through standard electronic support channels. This dispute has cycled back and forth through five separate chargeback credits and subsequent reversals. Each time, the automated system deems the debt " valid '' based on documents signed by a third party. Electronic inquiries and emails to resolve this have gone completely unanswered, forcing me to escalate this matter via certified mail and a formal regulatory complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
What happened? ( Description of Events ) : I am filing a formal complaint against Capital One for an egregious delay and failure to investigate a forged check claim, which has remained unresolved for approximately two years. Roughly two years ago, an unauthorized individual forged and successfully cashed a check against my account. The amount was between {$200.00} and {$300.00}. I discovered this fraud and filed a formal dispute with Capital One promptly. I have followed up with Capital One 's fraud department multiple times over the last 24 months to check on the status.Capital One has failed to provide a provisional credit, failed to complete their investigation, and has given me no specific reason for this extensive delay. Under the Uniform Commercial Code ( UCC ), a bank is liable for honoring an unauthorized, forged signature when reported timely by the consumer. Capital One is in violation of its consumer banking obligations by intentionally stalling this investigation indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: ID

Complaint narrative:
I am filing a formal complaint against XXXX XXXX for ongoing violations of the Fair Credit Reporting Act ( FCRA ). I was the victim of a deceptive 'bait-and-switch ' trade practice at a retail point of sale, where an explicitly stated prepaid transaction was fraudulently converted into an unauthorized 36-month postpaid contract. I have attached official law enforcement and regulatory verification, including XXXX XXXX XXXX XXXX XXXX Incident Report No. XXXX and FCC XXXX XXXX. XXXX. In XXXX official response to the FCC ( which I have attached ), their executive team admits to an impossible billing timelinespecifically generating an invoice on XX/XX/XXXX, for an account they explicitly state was not established until XX/XX/XXXX. XXXX also openly admitted that they attempted to leverage credit bureau reporting conditionally, offering to delete the negative tradeline only if a physical device was returned to them. XXXX XXXX XXXX systematically rubber-stamped this account as 'valid ' on XX/XX/XXXX, completely ignoring the pending sheriff 's office fraud investigation . XXXX is knowingly furnishing inaccurate, unverified data to third-party collectors ( XXXX XXXX XXXX XXXX XXXX I demand a full recall of the debt from all agencies, permanent closure of the fraudulent file, and total deletion of this derogatory tradeline from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 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: CA

Complaint narrative:
About XXXX weeks ago, I opened American Express complaint related to purchase protection claim XXXX regarding a XXXX XXXX. On XX/XX/year>, I called American Express to get an update, they refuse to give an update or to resolve it. I have provided them all the information they asked for to process the claim but there has been no resolution. I also tried to reach them via e-mail but they responded saying that they won't give an update and did not tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
I was in the process of doing a modification loan with Onity Mortgage and there was lack of communication of getting my proper documents sent and get them notorize. The first documents were sent but were incomplete, as I was missing the last pages to actually nororize. I called and had to wait roughly XXXX weeks to get an answer back and then I was informed them mailed new sets. That took another week, to then be missing and never arrived to my home. This was from XXXX to XXXX of XXXX. I finally got access to my online account and emailed them and I got sent digital documents but they were blocked and encrypted. I informed them again I can not access these documents and they sent them again and I was able to print, get a notary date and my wife and I got them signed and sent. The representative on a recorded line said it was denied due to my signature being " slightly different '' and I informed them I do have a XXXX that I cant use my hands at times and they said they didn't believe me and I needed a doctors note. I got a doctors note that same day and sent it and then I was informed that with that note, I was still denied due to the fact that my signature was not legit for them. Now I am scared and fighting to keep my home and not lose it in a foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Dovenmuehle Mortgage, Inc.
State: OK

Complaint narrative:
On XX/XX/XXXX, while calling to make a payment, I was told a payment could not be made because my mortgage account had been sent to Foreclosure while waiting during the loss mitigation process. I was told my information would be re-submitted and was transferred to the Foreclosure department. Once transferred to the foreclosure department, I was told my account would remain in foreclosure and that nothing could be done until loss mitigation notified them. I was then given the contact information to the law firm that was being sent my account. This is a clear violation of XXXX XXXX under RESPA XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting and improper collection activity related to accounts that were settled and paid in full in XX/XX/XXXX. After reaching settlement agreements and paying the agreed-upon settlement amounts, the remaining balances were subsequently sold or assigned to other collection agencies, which are now attempting to collect debts that should no longer be owed. Additionally, these balances continue to be reported on my credit reports, causing significant harm to my credit profile. Account XXXX : Creditor : Best Buy/CBNA Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Status : Closed and Settled/ Paid XX/XX/XXXX Amount Paid : {$6200.00} Current Amount Reported to Collections : {$4700.00} Last Updated on Credit Report : XX/XX/XXXX These accounts were settled and paid pursuant to agreements reached with the original creditors in XX/XX/XXXX. After payment was made, the remaining balances were nevertheless transferred, sold, or assigned to collection agencies that are now attempting to collect additional amounts. I dispute the accuracy and legality of reporting and collecting these balances because : XXXX. The debts were settled according to the terms agreed upon with the creditors. 2. Collection agencies are attempting to collect balances that should have been resolved through settlement. XXXX. The continued reporting of these balances as outstanding collections is inaccurate and misleading. XXXX. If the creditors accepted settlement as full satisfaction of the debt, any subsequent collection activity on the remaining balance is improper. XXXX. The reporting appears inconsistent with the requirements of the Fair Credit Reporting Act ( FCRA ) and may constitute inaccurate furnishing of information.

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 2026-06-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/year>, I was targeted by a XXXX XXXX who impersonated law enforcement and coerced me into making XXXX transactions at XXXX using my XXXX XXXX for {$500.00} and XXXX for {$460.00}, totaling {$960.00}. I filed a dispute with Cash App immediately on XX/XX/year>. I provided Cash App with substantial evidence, including an official law enforcement police report covering both transactions, text logs, and phone call logs proving criminal coercion. On XX/XX/year>, a live Cash App customer service representative reviewed this evidence and explicitly acknowledged in writing that this was a clear case of criminal fraud/coercion and fundamentally different from a standard merchant service dispute. The representative then manually initiated an official appeal for the {$460.00} transaction to link it to the {$500.00} fraud claim for a proper senior fraud review. However, on XX/XX/year>, Cash App 's automated system bypassed the representative 's actions and issued a boilerplate denial email stating that the original decision was correct and that the denial for the {$460.00} transaction is " final. '' Cash App is completely ignoring an official police report, the text/call logs, and the explicit acknowledgments of their own live support staff. They are failing to conduct a lawful, manual investigation into a criminal coercion scam under XXXX XXXX I am requesting that the CFPB compel Cash App ( Block, XXXX ) to properly review my law enforcement documentation, reverse this automated denial, and refund the total fraudulent amount of {$960.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: FL

Complaint narrative:
b'I am filing a formal federal complaint against Associated Credit Services, Inc. (ACS) for a severe and direct violation of the Fair Debt Collection Practices Act (FDCPA), specifically 15 U.S.C. 1692g / Section 809(b) regarding debt validation.\n\nOn XXXX XXXX XXXX, I sent a formal "Notice of Dispute and Request for Debt Validation" directly to Associated Credit Services regarding a collection account associated with XXXX XXXX (Account #XXXX XXXX XXXX). As proven by the USPS Certified Mail Return Receipt (Tracking #XXXX XXXX XXXX XXXX XXXX XXXX), the agency successfully received my legal request and signed for it on XXXX XXXX XXXX.\n\nPer Section 809(b) of the FDCPA, a debt collection agency MUST cease all collection and reporting activities immediately upon receipt of a timely dispute until they provide the consumer with written validation of the debt. \n\nInstead of complying with federal law, Associated Credit Services completely bypassed the validation requirement. Rather than mailing me the mandatory physical validation documents to verify this debt, the agency intentionally continued collection and reporting activity. This is proven by my XXXX credit dispute investigation results, which show that the agency went into the system and actively updated, verified, and modified the status of the account on XXXX XXXX XXXXjust 5 days after receiving my statutory validation letter. \n\nFurthermore, the agency is engaged in inaccurate and non-compliant reporting by listing completely contradictory timelines on my credit files, failing to provide a clear, accurate, and validated history of the alleged obligation.\n\nThis unauthorized reporting and system verification constitutes continued collection activity prior to validation, which is a textbook violation of federal law. Because the agency chose to violate my consumer rights rather than legally validate the account under the FDCPA, I demand the immediate and permanent deletion of this entire trade line from all credit bureau registries XXXX and XXXX).'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 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: CITIBANK, N.A.
State: FL

Complaint narrative:
The company Citibank is giving me the round around also telling me the document I provided to them should not be a picture of evidences or they don't accept my answer meanwhile the company in question never answered them, but Citibank still favor them over me their client. I will not pay a dime of that amount anymore and I will like to take this case to arbitration, mediation or the judiciary court, whichever appropriate, for this case!

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