vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Halsted Financial Services, LLC.
State: NY

Complaint narrative:
This is NOT a duplicate complaint. I am filing this complaint regarding XXXX XXXX, XXXX  failure to comply with XXXX XXXX  XXXX debt collection law after receiving my written dispute. 

XXXX XXXX admits in its CFPB response that : it received my written dispute on XX/XX/year>, it ceased collection activity, and it forwarded the dispute to its client and returned the account. 

However, under XXXX Administrative Code 20-490 and DCWP Debt Collection Rules ( 23 RCNY 1-04 ), once a written dispute is received, a debt collector has a non-delegable duty to respond directly to the consumer within 45 days by doing one of two things only : 1. Provide substantiation of the debt to the consumer, or 2. Issue a written Notice of Unverified Debt stating the debt can not be verified and that collection will not continue. 

XXXX XXXX did neither. 

Forwarding a dispute to a creditor, returning the account, or closing an internal file does not satisfy XXXX law. The obligation is to communicate directly with the consumer, not the creditor. 

XXXX XXXX response confirms that it attempted to collect a debt it could not substantiate, then exited the account without issuing the legally required notice. This deprived me of my statutory rights and contributed to confusion caused by repeated placement of the same disputed debt with multiple collectors. 

The CFPB portal provides XXXX XXXX with the ability to upload documentation. If XXXX XXXX possessed substantiation or was able to obtain it, it could have provided it directly or uploaded it. Instead, XXXX XXXX admits it did not validate the debt and did not issue a Notice of Unverified Debt.

HALSTED FINANCIAL SERVICES , LLC : Please be advised that Halsted Financial Services is being ccd on this complaint because it was the first debt collector to contact me regarding this alleged debt and received written disputes. Halsted did not provide validation of the debt or issue a notice that the debt could not be validated. Under XXXX XXXX  XXXX debt collection law, a collector must either substantiate the debt or issue a Notice of Unverified Debt. 



For context, I have also submitted complaints to XXXX DCWP regarding the same conduct under applicable XXXX XXXX XXXXXXXX debt collection requirements ; copies are attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENOVA INTERNATIONAL, INC.
State: MT

Complaint narrative:
I am a victim of true name identity theft I called to have an fraudulent application closed and they refused to do it immediately. I then asked to speak to a supervisor and was told that I was not able to be transferred to a supervisor and there was nothing more they can do for me and that the application would be processed as normal until I sent a police report to them and only then would they do something. I also have an active fraud alert and to contact me directly to confirm any and all application that they did not adhere to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Formal Dispute of Unauthorized Charges Due to Merchant Misconduct, Transaction Splitting, and Lack of Capacity. 

Details of the XXXXncident : I am disputing a total of {$11000.00} in charges from the merchant XXXX XXXX ' occurring on or around XX/XX/XXXX. These charges were processed while I was XXXX  XXXX  and in a state of total XXXX  for approximately 11 hours. 

Criminal Investigation : The XXXX XXXX XXXX XXXX has opened a criminal investigation into this matter for Financial Exploitation and Predatory Billing ( Case Number : XXXX ). A deputy has already conducted an on-site investigation and is currently reviewing surveillance video to verify my physical state and lack of capacity to consent at the time the cards were run. 

Merchant Misconduct & Rule Violations : Transaction Splitting : The merchant intentionally engaged in 'Transaction Splitting ' to bypass bank security limits. Instead of a single charge, they ran multiple smaller transactions ( e.g., {$2000.00}, {$3000.00} ) in rapid succession across both my Wells Fargo and XXXX XXXX accounts. This is a direct violation of XXXX XXXX Rules.

Lack of Capacity ( NRS 657.290 ) : Under Nevada law, any signature or consent obtained while a person is XXXX XXXX is legally void.

Larceny by Deception : I have requested, and the merchant has failed to provide, an itemized breakdown of services for {$11000.00}.

Requested Action : I am requesting that Wells Fargo recognize the active criminal investigation ( Case XXXX ) and the merchants rule violations. I demand an immediate provisional credit per Regulation E while the Sheriffs Office completes the evidence package.

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 2026-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing the reporting of XXXX late payments on a closed account from XXXX XXXX XXXX listed on my TransUnion credit report dated XX/XX/XXXX. 

The account shows a {$0.00} balance and was closed in XX/XX/XXXX, yet it continues to reflect multiple historical late payments, which are negatively impacting my credit. I was not properly notified or provided documentation supporting these delinquencies. 

As a consumer, I am entitled under the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate or unverifiable information. I have attempted to verify this account, but no validation has been provided. 

I am requesting that the CFPB : Investigate and require TransUnion and XXXX / XXXX to provide proof of these alleged late payments. 

Delete the late payment history if it can not be substantiated. 

Update the account to reflect accurate and fair reporting, or fully remove it if unverifiable. 

These late payments are unjustly damaging my credit history and were not reported or validated properly as required by 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 non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: NC

Complaint narrative:
My account in CASHAPP stated under review on XXXX, XXXX. On XXXX. XXXX, XXXX I made an appeal. The company stated to wait 10 days on their decision. I contacted the company again on XXXX XXXX, XXXX for an update. They have no information and had at this point closed my account, displacing my money. When asked about where my funds had went, support team had no answer and did not know. Just stated that their specialty team will respond. When I reached out again on XXXX XXXX, XXXX they still had no information on where my money went or why my account was closed. I got the same generic answer on wait 10 days. When I told them it's been 38 days already, they stated it will be sent to the specialty team. When asked for the specialty team number or email. Cashapp support stated they have no number or email for that team and there is noway for I can get in touch with them. It is always the same answer everytime, it will be escalated to the proper team. Nothing has been resolved and my money is still missing!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Westlake Services, LLC
State: MS

Complaint narrative:
Check for " Commercial Reasonableness '' : By law, the lender must sell the car in a " commercially reasonable '' manner. If they sold it for far below its actual value, you might have a legal defense to lower the bill. 
Request an Explanation of the Calculation : Ask WPM for a " Deficiency Notice '' or an itemized statement showing exactly how much the car sold for and what fees were added. 
Evaluate the 20 % Offer : The offer you received to pay only 20 % of the balance is a significant discount. Lenders often make these offers because they know collecting the full amount on a repossessed vehicle is difficult. 
Confirm the Title Status : American Car Center faced significant issues with missing titles during its closure. If WPM can not prove they have the proper paperwork to have legally repossessed and sold the car, you may have grounds to dispute the entire debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FC HoldCo LLC
State: NY

Complaint narrative:
My initial loan for the XXXX XXXX was with XXXX XXXX XXXX. 

I refinanced my vehicle with XXXXXXXX XXXX XXXX XXXX in XXXX. 

I am trying to sell my vehicle, and I am being told flagship still has a lien on my car. They never removed their lien after they were paid off. 

I contacted flagship and was told I must wait XXXX hours for them to submit the request and then send me the lien release when they should not have a lien on my vehicle at all.

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 2026-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Hello, I paid off the auto loan on XX/XX/2025, i mistakenly forgot to cancel my bill pay and i sent another payment on XX/XX/2025 for the regular monthly payment. I received a letter in the mail a few days letter stating they received the payment and would be refunding within 30 days. After multiple calls and not receiving the refund. I am at a standstill with PNC. I have escalated it with no luck. Everyone i call i get a completely different story.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
Cash App closed the account and wont open it back up

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2026-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: OH

Complaint narrative:
To whom it may concern, I am formally disputing the above auto loan due to predatory lending practices associated with its organizations and servicing. Inflated vehicle prices pressure tactics or lack of choice at time of lending. This action may constitute violation of applicable federal and state laws including but not limited to the truth and lending actECOA unfair and Deceptive or Abusive Act or prediction!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
There are a number of issues here. 

MOHELA took over a year to process my XXXX  application, while MOHELA kept me in involuntary forbearance. I believe MOHELA intentionally delayed my application and only processed it until after the XXXX Lawsuit was submitted for settlement. During this time, I could not make any payments or receive any credit for my PSLF process, but they were able to charge my principle balance with interest. MOHELA was the only one holding up my application and keeping me in forbearance. 

Second, when the finally approved my application they calculated the monthly payment incorrectly and are charging me nearly {$200.00} more than they should be per month. I just sat on hold for over two hours to get through to a MOHELA " specialist. '' And all the specialist could offer me was to submit a form to request the payment. I received only a request number, no documentation or any assurances that I would not be charged the incorrect amount on the due date.

Lastly, I tried to submit this through the Department of Education but every time I went to submit a complaint I was told there was an error with their systems and to try back later. There is nobody to complain to correct these problems or to ensure that ED or these companies act fairly and transparently. They are abusing borrowers and know they can get away with it.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-07 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: GA

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law.

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WI

Complaint narrative:
I am submitting this complaint regarding Fifth Third Banks handling of my auto loan following a total loss and XXXX insurance claim. 

My vehicle was declared a total loss, and my primary auto insurance issued payment to Fifth Third Bank on XX/XX/year>. A XXXX insurance claim with XXXX XXXX XXXX was opened for the remaining deficiency balance. XXXX later issued a XXXX payment to Fifth Third Bank. 

Despite the insurance payments, the loan remains open and is being treated as past due. I formally disputed the balance in writing and requested a written payoff accounting showing how the XXXX insurance payment was applied, how the remaining balance was calculated, and whether the account should be considered paid in full. 

Fifth Third Bank has not provided the requested payoff accounting. Instead, they stated only that the loan remains open until paid in full, that payments are due, and that they can not stop credit reporting. They did not address how the insurance proceeds were applied or explain the claimed remaining balance. 

I am disputing any remaining balance, as it appears to consist of interest, fees, or installments that accrued during an insurance claim adjudication delay that was outside of my control. I have not refused to pay ; I am requesting documentation to verify the accuracy of the balance. 

Although the bank agreed to cease collection calls, they continue to demand payment and threaten negative credit reporting without providing the required written explanation of the balance after insurance proceeds were applied. 

I am submitting this complaint because the bank has failed to adequately respond to a formal dispute and has not provided transparency regarding the loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting the following disputes related to my TransUnion credit report. These accounts are being disputed due to inaccuracies, incomplete information, or unverified data. 

1. Charged-Off Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5300.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00}

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 2026-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CarMax, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am disputing the full balance being charged by CarMax Auto Finance related to an auto loan. 
In 2023, my vehicle was stolen, reported to police, and later recovered and impounded. I informed CarMax Auto Finance of the exact impound location and notified them that I was voluntarily surrendering the vehicle, making it available for retrieval. Despite having notice and the ability to take possession, CarMax Auto Finance chose not to retrieve the vehicle. 
CarMax Auto Finance did not retrieve, repossess, or properly dispose of the vehicle. I am now being charged the entire loan balance. 
In a recent call with CarMax Auto Finance, I requested documentation supporting this balance, including records of repossession, retrieval attempts, disposition, or sale. I was informed by their representative that CarMax Auto Finance has no documentation to provide and that the balance is being charged because fees exceeded the value of the vehicle. 
CarMax Auto Finance has failed to provide : Proof of repossession or acceptance of voluntary surrender Proof of attempts to retrieve the vehicle after notice Notice of sale or disposition Documentation showing how the deficiency balance was calculated Charging the full loan balance without documentation and after declining to retrieve an available vehicle constitutes failure to mitigate damages and commercially unreasonable conduct. 
I am requesting that CarMax Auto Finance : Provide full documentation supporting the claimed balance, or Correct the account balance to reflect their failure to retrieve and dispose of the collateral, and Correct any inaccurate credit reporting related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
XXXX XXXX card is holding my ssi funds and will not transfer to my bank account in a timely manner. All information was repeatedly verified. My routing number is correct on the XXXX XXXX website and my us bank account does not include my routing number on the bank statement. After XXXX months trying to transfer my funds XXXX XXXX refuses to acknowledge and verify my account and now expects me to have my bank generate a statement with a routing number which is not their usual procedure and I would need to wait even longer to access my funds. I am XXXX months behind on my rent and facing another eviction due to their unlawful business practices. They also are charging me for expedited mail sending out my card to a fraudulent address. I would like my funds returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Hi my name its XXXX XXXX am an employee at XXXX XXXX company as a XXXX XXXX, i been dealing with citizens bank for many years, i can say the their overdraft fees are being charge to customers how ever they want whenever they want your system in the online banking shows one thing an theirs shows something totally different than what u are seeing in ur app just to justify overdraft fees left and right an they always win I'll have pic of so many wrongful charges overdraft fees an it seems like there's nothing I can do even though my system it shows my account not being negative.... I wish someone can help me i n dont want to closed my account because I really need it but I'll better of since am being charge most of time at XXXX overdraft fees, they claim my account was over XXXX times when u can really see my positive balance until I hit with XXXX overdraft before I got to do the overdraft for the XXXX please help

Company response to consumer: Closed with monetary relief