vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Goal Structured Solutions, LLC
State: CA

Complaint narrative:
This is a follow-up to my previous complaint regarding a {$10000.00} loan originated by XXXX XXXX and serviced by Launch. While XXXX  responded by stating they are not the servicer, Launch has continued to treat this loan as non-dischargeable despite clear evidence that no educational services were rendered. 

Key Facts : I signed the enrollment contract with XXXX XXXX on XX/XX/2025. 
I withdrew on XX/XX/2025, accessing course materials, or receiving mentorship. 
I was in the process of filing for XXXX XXXX bankruptcy, which was discharged on XX/XX/2025. 
The contract ( attached ) outlines a {$10000.00} tuition but includes no refund policy for early withdrawal or non-attendance. 
I have requested confirmation from both the school and XXXX  regarding whether the funds were disbursed and/or refunded. I have received no documentation in return. 


Why This Loan Should Not Be Collectible : If the funds were never disbursed or were refunded, the loan should not exist. 
If the funds were disbursed but no services were provided, this constitutes unjust enrichment. 
The loan may not qualify as a protected private student loan under 523 ( a ) ( 8 ) of the Bankruptcy Code, and therefore may be dischargeable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
I submitted a lawful written request to Consumer Portfolio Services, requesting the complete loan file for my auto loan, including the retail installment contract, all documents submitted by the dealership, disclosures, add-ons, warranties, underwriting materials, payment history, and any authorizations relied upon to claim an enforceable obligation. 

XXXX provided a written response ; however, the materials supplied were incomplete and failed to include the full loan documentation requested. 

On XX/XX/year>, I issued a Notice of Fault and Opportunity to Cure, providing XXXX five ( 5 ) days to cure by producing the complete loan file. XXXX failed to cure the fault within the time provided. 

Consumer Portfolio Services is acting solely as the servicer of this loan. My personal and financial information was transferred to XXXX, and XXXX is not the original creditor. As a servicer, XXXX has failed to properly document and validate its authority to service or enforce the contract, including failure to provide the complete loan file and records supporting its claimed role and rights. 

As of the date of this complaint, XXXX has failed to fully validate the alleged obligation it claims to service and enforce. Any attempt to collect, enforce, or report information related to this disputed loan without full validation is improper. 

This dispute is asserted with full reservation of rights pursuant to UCC 1-308. As the party claiming authority to service and enforce the obligation, XXXX bears the burden of producing records sufficient to validate its claimed rights and role. Failure to provide complete documentation constitutes non-compliance and prevents enforcement of disputed terms under UCC 1-303, the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), and applicable consumer protection laws. 

I am not requesting monetary damages or payment relief. I am requesting regulatory assistance to require XXXX to immediately provide the complete loan documentation, correct or void the contract and all associated records, and cease any enforcement, servicing, or reporting activities based on incomplete or inaccurate records related to this unresolved dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
have a business account for BMO and then I deposit the check for one of my clientele which was endorsed to us and then they requested to hold the check which is the check was good we verified the check is clear there hold it for 2 weeks the check was okay usually it takes about three working days and then the first that count and they said we need the invoice to prove that the customer purchase I did provide that and they said after 10 days review will release the funds for you because the check is clear no problem with the check and then they ask for affidavit that the customer did endorse the check under our business we did provide that after that there was no communication with them I'm sending the manager and information he says this this get us this and the lady who is in the front she was like running around we gave her that for XXXX he said we need to release the phone she wants to close the account and claim it as and claimed property so we did she never communicate she never gave us a case you never did any of that

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 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One is reporting inaccurate and misleading information on my credit report regarding a charged-off credit card account. 

Although the account has been charged off, Capital One continues to report a past-due amount equal to the full balance, report balances exceeding the stated credit limit without providing itemized fees, and update the account monthly. 

XXXX  confirmed that during a dispute investigation, Capital One updated multiple data points on the account ( including date updated, maximum delinquency, rating, and historical trended data ), yet the account was still marked as verified as accurate. 

These actions may constitute improper re-aging and inaccurate reporting under the Fair Credit Reporting Act ( FCRA ). I am requesting that Capital One provide documentation supporting the accuracy of its reporting or correct/delete any inaccurate or unverifiable information. 

I am also requesting that Capital One cease improper monthly reporting on a charged-off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: IL

Complaint narrative:
I paid my auto loan with Westlake Financial in full more than five weeks ago. Westlake has acknowledged in writing that the loan is paid in full. 

In addition to failing to complete required post-payoff servicing, Westlake has also failed to properly reconcile the account and return funds owed to me.

Specifically : 1. Failure to reconcile payoff and refund overpayment At the time of payoff, my account was paid more than two months ahead. Based on the payment history and the loans simple-interest structure, Westlake is holding funds that exceed the amount required to satisfy principal and accrued interest through the payoff date. 
Westlake has not provided : A final itemized payoff reconciliation An accounting of how advance payments and extra principal were applied Any refund of the overpaid amount 2. Failure to release lien/ deliver title Despite acknowledging the loan as paid in full, Westlake has not delivered my vehicle title or lien release, nor provided confirmation that these steps have been completed. 
3. Failure to update credit reporting The loan continues to appear active to third-party lenders. I am still receiving refinance solicitations that specifically reference a Westlake Financial auto loan, indicating that Westlake has not properly updated credit bureaus to reflect the account as closed and paid in full.

4. Lack of communication and resolution Since payoff, Westlake has not provided a final payoff statement, refund explanation, lien release confirmation, or credit reporting correction notice.

When I attempted to obtain a payoff quote and complete payoff, Westlake representatives asserted a policy that they may take an extended period ( up to approximately 40 days ) to reconcile the account after payoff before completing lien release/title delivery and final accounting. This policy was not disclosed to me in the retail installment contract or provided as a contractual term at origination. It was presented only after I sought payoff and after payments were already in Westlakes possession.

I object to Westlake using an undisclosed, unilateral policy to delay ( 1 ) final payoff accounting/refund, ( 2 ) lien release/title delivery, and ( 3 ) accurate credit reporting updates, particularly where the contract did not disclose such a post-payoff holdback period and where Westlake has already confirmed the loan is paid in full.

I am not disputing that the loan was paid. This complaint concerns post-payoff servicing failures, including improper reconciliation, failure to refund overpayments, failure to release lien/title, and failure to accurately report account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
National Credit Systems is attempting to collect and report an alleged rental debt that is not legally owed and has not been properly verified. 

This alleged balance arises from a residential lease where the landlord materially breached the lease and habitability laws by failing to repair a serious water intrusion and leak within the statutory timeframe. The unsafe condition worsened, creating health and safety risks, which forced me to vacate the unit. My departure constitutes constructive eviction caused by landlord breach, not abandonment, voluntary surrender, or nonpayment. 

Despite these facts, the landlord placed a claim with National Credit Systems for {$15000.00}. This amount is grossly inflated, unsupported, and inaccurate. Only two months remained on the lease, and no itemized accounting, rent ledger, damage assessment, reletting documentation, or contractual justification has been provided.

I formally disputed the debt and requested full legal verification, including : a copy of the signed lease, complete rent ledger, itemized accounting of charges, documentation supporting the claimed balance, identification of the apartment/unit number, move-out inspection report, proof of damages, and documentation supporting any reletting charges.

National Credit Systems failed to provide this verification. Notably, the alleged account does not even list an apartment or unit number, making independent verification impossible. Without unit identification and documentary support, the debt can not be legally verified.

Despite the absence of legally sufficient verification, National Credit Systems continues collection efforts and credit reporting activity, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

I am requesting that National Credit Systems be required to cease all collection activity, delete any credit reporting associated with this account, conduct a full compliance review, and provide written confirmation of account deletion and closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: WY

Complaint narrative:
We were in the middle of canceling the subscription. It hadn't even been a month that I was using it and when I canceled it they said I had to talk to their third party billing department. I have proof that says they canceled it but they never sent the paperwork to their third party. Now I am getting collections for something I didn't even use.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP
State: TN

Complaint narrative:
I have a mortgage with US Bank that I have been making biweekly payments of {$250.00} through my XXXX  XXXX account and never had any issues with it until recently. I had been making this bi weekly payment for YEARS and within the last 6-12 months, there's been an issue that's caused consistent issues with my payments applying, causing me late fees. I thought they were going to do a complete audit of my account and find the issues but they have not done it as I just received another XXXX of {$29.00} and am tired of trying to work with them to get this fixed. I had a chat agent who was amazing but the phone agent I called and spoke with was less than helpful and actually did nothing to de-escalate my call when I spoke with them and actually escalated me and is the reason I am going this route versus calling in again because the phone agents were less than helpful when I called in last year.

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 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/year>, I noticed that an interest charge had been applied to my T.J.Maxx credit card account after a one-day delay in payment. I had maintained nearly a decade of on-time payments prior to this incident as my account was set to auto-pay. 

I discovered that autopay had been turned off unintentionally. As soon as I noticed the issue, I immediately paid the full statement balance. I also made an additional payment to ensure the account was current. The interest charge I received came a week later and totaled approximately {$120.00}. 

On XX/XX/XXXX, I contacted Synchrony/T.J.Maxx customer service via chat and phone to request an explanation of the charge and a one-time goodwill adjustment. 

Representatives stated that the interest charge was applied automatically and could not be waived because it is contractual unless there is a bank error. I requested escalation and formal review, but was told that interest charges are not eligible for removal and that disputes could not be processed electronically for interest. That I could possibly send them a physical letter, but not to expect anything to happen.

Despite my long-standing positive payment history and prompt corrective action, the company declined to review the matter beyond front-line customer service. I am requesting that Synchrony review this situation and consider reversing the interest charge as a one-time goodwill adjustment.

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 2026-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: MD

Complaint narrative:
I am writing to formally dispute inaccurate, incomplete, and legally unverifiable information currently being reported on my credit file regarding an account furnished by Kikoff. 
This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). 
Disputed Tradeline Furnisher : Kikoff Account Status : Paid/ {$0.00} Balance Issue : Account continues to be reported inaccurately despite being resolved Basis of Dispute Material Inaccuracy This Kikoff account has been paid in full, yet it is still being reported in a manner that is misleading, inaccurate, and damaging to my credit standing.

Under the FCRA, consumer reporting agencies are required to maintain maximum possible accuracy.

Violations include : 15 U.S.C. 1681e ( b ) Reporting must be accurate and complete 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Bureau must reinvestigate disputed information 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Any information that can not be verified must be deleted Paid Account Still Being Reported Improperly A paid account must not continue to reflect inaccurate balances, derogatory statuses, or misleading payment information.

If Kikoff can not provide full documentation supporting the current reporting, then the tradeline is unverifiable and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
To whom this may concern, This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) and 1692g.

I dispute the validity of the alleged debt referenced below and hereby request full validation of this debt. Please provide documentation showing that I am legally obligated to pay, including but not limited to the original creditor, the amount owed, and proof of your authority to collect this debt. 
Additionally, I hereby demand that you cease and desist from all communication with me regarding this alleged debt. This includes, but is not limited to, phone calls, text messages, emails, letters, and contact with third parties. 
You are permitted to contact me only to provide the requested validation of the debt or to notify me of any specific legal action you intend to take. 
Any further communication outside of these exceptions will be documented as a violation of the Fair Debt Collection Practices Act. 
This letter is not an acknowledgment of the debt nor an admission of liability. I reserve all rights under federal and state law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX LVNV FUNDING LLC Account XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my claim without investigating or resolving the unauthorized withdrawal from my checking and savings accounts, leaving the issue unaddressed.

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 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
This complaint is regarding the XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX ) associated with my bankruptcy matter ( XXXX  XXXX, Case No. XXXX ). My discharge was entered in XX/XX/XXXX. 

The vehicle has been voluntarily surrendered as of XX/XX/XXXXXXXX  and is available for Capital One Auto Finance ( or its authorized agent ) to retrieve at : XXXXXXXX XXXX XXXX XXXX XXXX, WA XXXX. 

Due to the length of time the vehicle has been abandoned by Capital One it is inoperable- it will not even turn on. 

Based on current estimates, repairs to return the vehicle to service exceed {$10000.00} - {$15000.00} due to inverter and high-volt architecture failures. 

I am unable to dispose of the vehicle due to the vehicle lien. It remains, inoperable and continuing to accrue wear/damage, on private property.

I sent a certified letter to Capital One that was received and signed for on XX/XX/XXXX. I have received no response as of XX/XX/XXXX. 

I would like Capital One to exercise their rights as a lienholder and recover their collateral.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MA

Complaint narrative:
I moved out of the rental property on XX/XX/year>. Prior to moving out, I notified the landlord in writing and was informed that if I secured replacement tenants approved by the landlord, no additional rent would be owed. 

I provided replacement tenants, they applied, were approved, and were ready to move in immediately after I vacated the property. This was confirmed by the landlord in writing. 

Despite this, the landlord chose to keep the property vacant to perform renovations and later charged me for XX/XX/year>XXXX  rent and alleged damages. The security deposit was withheld and applied to floor wear that represents normal wear and tear after nearly seven years of occupancy. 

The debt collector is attempting to collect this amount even though the charges are disputed, based on a period when I no longer lived in the property and a vacancy caused by the landlords own decision to renovate.

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 2026-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON CAPITAL SYSTEM was remove from my credit report by XXXX XXXX XXXX now Jefferson Capital System is reporting this debt back on my XXXX report. I wrote a letter to XXXX and sent over documentation regarding this matter. I want this XXXX account deleted from my credit file. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
AS I WAS XXXX XXXX IN XXXX XXXX FROM XXXX, XXXX TO XXXX SOMEONE WAS USING MY NAME AND OR CREDIT AND NOW THAT I AM OUT I SEE THIS LOAN AND A CREDIT CARD UNPAID ON MY CREDIT REPORT THAT WAS OPEN WHEN I WAS IN XXXX XXXX I DID NOT ALLOW ANYONE TO USE MY NAME FOR THE 14 YEARS I WAS GONE

Company response to consumer: Closed with explanation