vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I am filing this complaint because Westlake Financial is knowingly maintaining an invalid late fee on my account despite having admittedon a recorded linethat they possess proof of my timely payment. Additionally, Westlake has failed to send me any billing statements since my previous CFPB complaint, leaving me with no notice of this fee or my amount due and due dates. 

Timeline of Events : - XX/XX/XXXX : I mailed my payment ( Check # XXXX ) via XXXX XXXX Mail, XXXX  days prior to the XX/XX/XXXX due date. 
- XX/XX/XXXX : I disputed an {$11.00} late fee. A representative instructed me to email proof of mailing and promised a resolution within XXXX business days. I emailed the XXXX XXXX Mail receipt immediately. 
- XX/XX/XXXX : I called Westlake again because the fee remained. On this recorded call, a representative explicitly confirmed she could see my email and the proof of payment in their system. 
- Current Status : As of XX/XX/XXXX, Westlake has failed to remove the fee. They are continuing to report an erroneous balance despite having verified proof that the payment was mailed on time and processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MD

Complaint narrative:
I am filing this complaint regarding repeated unauthorized transactions on my Cash App account, totaling approximately {$3200.00} over the course of one year. I did not authorize any of these charges, do not recognize the merchant, and have never had any business relationship with them.

During this period, I was recovering from XXXX XXXX and am XXXX XXXX. My mother assisted me with monitoring my finances, at which point we discovered these fraudulent transactions. I promptly filed disputes with Cash App and provided documentation of my XXXX, as well as a previously filed identity theft affidavit related to a tax-related identity theft incident. 
Cash App refunded {$1600.00} but denied the remaining disputes, claiming the transactions were authorized. This is incorrect. I did not authorize any of these charges, and Cash App has not provided meaningful information about the merchant, the basis for their findings, or evidence of my purported authorization. 
I believe Cash Apps investigation was inadequate and failed to meet the standards required under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and Regulation E. Regulation E requires financial institutions to investigate and resolve claims of unauthorized electronic transfers in a timely and reasonable manner. See, e.g., 15 U.S.C. 1693f ( c ), which mandates investigation and provisional credit if the institution can not verify that the transfer was authorized. 
Furthermore, in In re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court held that institutions have an affirmative duty to thoroughly investigate disputed transactions and provide clear evidence if a transaction is deemed authorized. In this case, Cash App has provided only minimal, boilerplate responses and blocked further appeals, which I believe constitutes a failure to conduct a reasonable investigation. 
I am requesting : A full, human-conducted reinvestigation of all disputed transactions. 
Detailed documentation showing the basis for Cash Apps determination that any transaction was authorized. 
Identification and contact information for the merchant responsible for these transactions. 
Refund of the remaining unauthorized charges totaling approximately {$1600.00}. 
Given the duration of these unauthorized charges, my XXXX, and Cash Apps failure to provide a thorough investigation, I believe this matter constitutes ongoing financial harm. I respectfully request CFPB assistance in ensuring Cash App complies with its obligations under federal law. 
Thank you for your attention and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX XXXXXXXX, This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
In XXXX of XXXX is when the account was first charged off. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information and falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect violates my rights. I am demanding a deletion of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I authorized a XXXX payment of {$300.00} based on the recipients false representation of services. The recipient took payment and failed to provide any service. This was a scam involving misrepresentation and deception, not a legitimate transaction. I am requesting reimbursement under Capital Ones fraud and XXXX scam protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-02-10 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
Alley financial sends recurring letters stating I Owe XXXX for a vehicle I Have returned to them because I could not afford to Keep up with their payments let alone harassingly phone calls. 

I Gave the vehicle back Willingly so I Would not have to deal with them but they do not stop. They Added Repossession to my background and it is hurting my profile.

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 2026-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I do not recognize this account and believe it is being reported incorrectly on my credit report. I have never opened, authorized, or had any involvement with this account, and its appearance on my file seems to be a mistake. I respectfully ask that you review this matter thoroughly and correct the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-02-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am submitting this complaint regarding Bank of Americas handling of my home equity loan modification and its improper determination that my loan is no longer eligible for permanent modification due to alleged untimely return of executed documents. 
By letter dated XX/XX/XXXX, Bank of America stated that my home equity loan was deemed ineligible for permanent modification because properly executed agreements were not returned by the XX/XX/XXXX deadline. This determination is incorrect and is based on a servicing error. 
Key facts : The executed agreement was timely completed and deposited on the morning of XX/XX/XXXX with the United States Postal Service ( XXXX ) in XXXX, XXXX. 
That XXXX location maintains designated daily pickup bins for XXXX ( XXXX XXXX XXXX ) letters and packages. 
The XXXX return shipping label was provided by Bank of America and reflected next-day delivery as the service level. 
Despite timely deposit with the carrier, the package was not received by Bank of America until XX/XX/XXXX, XXXX ( XXXX ) days after drop-off. 
The delay was caused by carrier handling and/or scanning issues, not by borrower inaction or failure to comply with the deadline. 
Efforts to resolve : On XX/XX/XXXX, I spoke at length with a XXXX XXXX regarding the tracking number associated with this shipment. He was unable at that time to confirm the initial scan date in XXXX but advised that further investigation would be conducted. 
I also spoke with an individual identifying himself as XXXX, a manager in Bank of Americas escalations department. During that conversation, I repeatedly requested an investigation into the shipping label scan history, which would confirm that the documents were placed with the carrier prior to the deadline. That request was declined.

Why this is a problem : Bank of Americas decision improperly penalizes me for a carrier delay outside of my control, despite the fact that : The documents were executed and returned timely The shipping label was issued by Bank of America The service level was next-day delivery This constitutes an error in loan servicing and loss mitigation review, and Bank of America has failed to reasonably investigate or consider evidence related to the carrier delay.

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 2026-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems , LLC regarding a collection account they are reporting on my XXXX  credit report for {$1700.00} with the original creditor listed as XXXX ( Account No. XXXX ). 

On XX/XX/year>, I sent Jefferson Capital a written debt validation request by certified mail, requesting proof that I owe this debt and proof that they have the legal right to collect and report it, including : a copy of the original signed contract or application, complete chain of title/assignment from the original creditor, and a full itemized account history. 

Jefferson Capital received my dispute and validation request, but they never provided any of the requested documentation and never validated the account. Despite this, they continue to report this account to XXXX  as a collection with a {$1700.00} balance. 

Additionally, this account is being reported only to XXXX  and not to the other credit bureaus, raising concerns about the accuracy, completeness, and reliability of the information being furnished. Reporting a collection account without providing validation and continuing to report unverified information is inaccurate and misleading and has caused harm to my credit. 

Because Jefferson Capital failed to validate this account and failed to prove legal ownership or my liability, this debt is not owed and should not be reported. Despite receiving my written dispute and validation request, Jefferson Capital failed to provide any verification of this debt. Until proper validation is provided, they are required to cease collection activity, including credit reporting. Instead, they continued to report this account to XXXX  without validating the debt, which is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/year>, Westlake Financial Services negotiated an insurance check in the amount of {$2300.00} related to my auto loan. Despite receipt of these funds, Westlake failed to properly apply the proceeds to my account. 

As of today, my account shows an outstanding balance of approximately {$410.00}, which continues to increase due to ongoing interest accrual, despite the insurance proceeds being sufficient to fully satisfy the loan. 

I have already completed payment research confirming the check was cashed, yet Westlake has : Failed to credit my account properly Continued to assess interest and charges Retained excess funds owed to me This conduct constitutes improper retention of funds, conversion, and bad-faith loan servicing. I have attempted to resolve the matter by sending a formal demand via email, requesting immediate correction, removal of improper charges, and written confirmation of the account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In XXXX, I was the victim of identity theft. I followed all the steps instructed by Capital One to secure my accounts, and no fraudulent charges were approved on my cards. 

However, since XXXX, I have been receiving repeated real-time fraud authorization push notifications inside the official Capital One mobile app for transactions and card numbers that do not belong to me. 

These notifications display my private username and follow the language settings of my app -reflecting changes made by me-, which indicates they are being routed directly to my authenticated banking profile. 

The transactions appear to be fraudulent : very large amounts, in foreign currency ( euros ), and directed to auction websites commonly associated with card fraud. 

I contacted Capital One multiple times by phone to report this issue. Each time, I was told there was no problem because the card numbers involved were not mine and the transactions were not tied to my account. 

On XX/XX/XXXX, I visited a Capital One branch in person. A representative reviewed the situation in detail and escalated the matter by phone to the appropriate department. A formal case was opened. 

Case number : XXXX I requested written confirmation that this case was properly logged as a security incident and was refused any written documentation. 

I continue to receive these fraud alerts for cards and transactions that do not belong to me. 

This situation suggests a serious error in Capital Ones fraud notification or authentication systems, where fraud alerts for one customer are being routed to another customers banking profile. 

I am requesting that Capital One formally investigate this as a security incident and provide written confirmation of their findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 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: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On or about XXXX XXXX a charge in the amount of {$290.00} was posted to my account by a merchant. I contacted the merchant shortly after and informed them in writing that I did not want the product and requested cancellation. 
The merchant claims a product was sent ; however, I have not received any merchandise, and no proof of delivery, tracking number, or delivery confirmation has been provided. I have written email documentation showing that I declined the product and that no delivery occurred. 
I filed a dispute with Randolph-Brooks Federal Credit Union . Initially, the credit union indicated they would attempt to recover the funds. Later, the charge was finalized and re-posted to my account based solely on the merchants claim, without providing me any proof of delivery. 
On XXXX, I contacted customer service to request clarification and escalation. The first agent refused escalation and disconnected the call after I requested a supervisor. On a subsequent call, I was informed that no supervisor was available and that I would be contacted in two days. 
I am disputing this charge due to failure to provide goods, refusal to cancel after notice, and lack of proof of delivery. I am also reporting denial of supervisor escalation and improper handling of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2026-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NM

Complaint narrative:
In XXXXXXXX XXXX XXXX Mohela placed my loans into a processing forbearance from that XXXX through XXXX of XXXX ( attached ). Those months in processing forbearance count towards Public Student Loan Forgiveness ( PSLF ). I have been working for an eligible employer and have certified my employment. I want them to apply the correct repayment counts to my months of repayment. I contacted both Federal Student Aid and Mohela multiple times and I have only received automatic email responses, and they have continually closed the cases I have opened. Please help me have FSA and Mohela apply the correct count towards my PSLF.

Company response to consumer: Untimely response