vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am writing XXXX formally request a reinvestigation of the fraud determination associated with my account. I am a victim of identity theft. The activity in question was not authorized by me, and I did not benefit from or participate in any fraudulent transactions. A police report was filed regarding this incident, and the individual responsible has been identified and arrested. I understand that my claim may have previously been denied due XXXX a determination that the signature on the check matched my own. However, I respectfully dispute that conclusion. A similar or replicated signature does not constitute authorization, especially in documented cases of fraud and identity theft. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a reasonable and thorough reinvestigation of this matter, taking into account all supporting documentation, including my police report and any related case information. I am requesting the following : Removal of any fraud-related reporting associated with this incident Correction of any records furnished XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX the reinvestigation is complete Please note that I am fully willing XXXX cooperate and provide any additional documentation necessary XXXX resolve this matter. Thank you for your time and attention XXXX this serious issue. Account ending. XXXX XXXX : XXXX Address : XXXX XXXX XXXX Name : XXXX XXXX

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 2026-03-19 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: Westlake Services, LLC
State: NJ

Complaint narrative:
I have a vehicle loan originated XX/XX/XXXX in California. Original terms : {$14000.00} financed, 24.52 % APR, 66 payments of {$390.00}, Total of Payments {$25000.00}. No balloon payment was disclosed. After making 62 payments ( ~ {$24000.00} ), I expected to owe roughly {$2000.00}. Instead, Westlake claims my payoff is {$9300.00}. This would make my total cost ~ {$33000.00} - about {$7700.00} MORE than the disclosed Total of Payments. I have four complaints : 1. MISLEADING " BALLOON PAYMENT '' TERMINOLOGY : Westlake repeatedly calls the remaining balance a " balloon payment. '' Under TILA/Reg Z , a balloon payment must be disclosed upfront - mine wasn't. My contract shows 66 equal payments. What they call a " balloon '' is actually an undisclosed residual balance from negative amortization. Using federal lending terminology incorrectly is deceptive. 2. FAILURE TO PRODUCE EXTENSION DOCUMENTATION : My payment history shows 11 extensions were applied. My contract states changes must be " in writing and signed by you and us. '' I repeatedly asked for copies of the signed agreements authorizing these extensions. Westlake told me to " check my email inbox '' instead of producing documents from their records. If they processed extensions without proper signed authorization, those extensions- and the thousands in interest they generated - may be invalid. 3. IGNORED XXXX SETTLEMENT INQUIRY : Westlake has been involved in litigation/settlement ( XXXX XXXX Westlake ) over convenience fees and pay-to-pay fees. My payment history shows many payments via credit card and phone that may have incurred such fees. I specifically asked whether any fees subject to this settlement were charged on my account. Westlake completely ignored this question in every response. 4. INADEQUATE DISPUTE RESPONSE : I submitted detailed written disputes. Westlake provided only generic explanations of simple interest mechanics- not account-specific analysis. They failed to produce requested documents, ignored specific questions, and repeatedly closed my support ticket as " Solved '' while my dispute remained unresolved. I contacted Westlake via their Zendesk system ( Ticket # XXXX ) on XX/XX/XXXX. They responded with generic information, closed my ticket without resolving my issues, and never produced the signed extension agreements or answered my XXXX settlement question.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: IL

Complaint narrative:
Subject : Formal Complaint Failure to Investigate Fraud and Denial of Reconsideration I am submitting this complaint regarding the handling of fraudulent activity associated with my Illinois XXXX XXXX debit card ( Way2Go Card ), and the failure to properly investigate and reconsider my claim. During an interview with an Illinois Department of Human Services ( IDHS ) representative for SNAP and medical benefits, I was informed that I had been receiving XXXX XXXX payments for an extended period of time. This was unexpected, as I had not received or accessed any such payments for years. I was advised to contact the Illinois XXXX XXXX XXXX ( XXXX ) to obtain further details. Upon contacting XXXX, I was informed that XXXX XXXX payments had been consistently deposited onto my Way2Go Card. I had not had possession of this card for years, nor had I received any communication or statements indicating ongoing deposits. After reviewing the transaction history, I confirmed that the last legitimate transactions I personally made occurred on XX/XX/XXXX, and XX/XX/XXXX. Following these dates, the transaction records clearly show unauthorized activity, including online purchases and transactions occurring in locations outside of my state and country of residence. These unauthorized transactions continued from XX/XX/XXXX through XX/XX/XXXX. I did not rely on this card as a source of income, as I was employed and supporting myself independently. Because of this, and due to the lack of notifications or statements, I was unaware that deposits were continuing to be made or that fraudulent activity was occurring. The evidence in the transaction history clearly indicates that the card was compromised after XX/XX/XXXX, and that all subsequent activity was unauthorized. These funds are government-issued child support payments intended for the care and support of my son. The failure to properly identify and stop fraudulent activity, as well as the denial of reconsideration of my claim, has resulted in significant financial loss. I am requesting a full investigation and recovery of all fraudulently used funds, as well as a formal review of how this matter was handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against Credit Corp Solutions regarding a collection account originally from XXXX XXXX with a reported balance of approximately {$980.00}. I have made multiple good-faith attempts to resolve this matter, on a recorded line tying to pay a couple of XXXX XXXX. However, during several phone calls, the representative was rude, unprofessional, and created a hostile and intimidating environment. I requested to speak with another representative, but the same individual continued speaking loudly in the background, interfering with my ability to negotiate. This conduct appears to violate the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to harassment and abusive communication under 15 U.S.C. 1692d. Additionally, I have concerns regarding the accuracy of the reporting of this account. The account activity date continues to be updated or reactivated, which is negatively impacting my credit profile. This raises concerns of improper re-aging of the account, which is prohibited under the Fair Credit Reporting Act ( FCRA ). If the information being reported is inaccurate or misleading, it is in violation of 15 U.S.C. 1681s-2. Despite my current financial hardship, I attempted to negotiate a resolution. Over the past 7 months, I have undergone multiple surgeries, including treatment related to a XXXX XXXX, and have been medically removed from XXXX jobs. I am currently unemployed due to ongoing health conditions. I communicated this clearly, yet the company failed to act reasonably or compassionately. Given the above, I am requesting the following : Immediate investigation into the conduct of the representative and review of all call recordings Verification and validation of the debt, including full accounting of all dates reported Correction or removal of any inaccurately reported information, including improper updating of activity dates Deletion of this account from all credit reporting agencies as a resolution due to the violations and circumstances All future communication to be conducted in writing only If these issues are not resolved, I am prepared to pursue further action, including escalation to additional regulatory agencies and potential legal remedies for violations of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I have called the company told them I filing bankruptcy and need to contact my lawyer. But they keept emailing about this debt multiple times a day, I they even email XXXX times a within that hour. Resurgent contacted me a few times a day since XX/XX/year> - today XX/XX/year> like XXXX times within this week. {$2200.00}. XXXX this email was last night back to back within the hours. ALso have other debt collections with this company too, also getting repeated email stating I need to set up payment. # XXXX acct for this regurent I owe was {$690.00} multike times a day # XXXX acct was for {$2700.00} multople times with email a day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
On or about [ XX/XX/2026 ], I applied for an account with OnePay and was denied shortly after submission. No clear or specific reason was provided for the denial. After receiving the denial, I attempted to obtain more information from the company regarding the reason for their decision, including whether the denial was based on identity verification, internal risk criteria, or information from a consumer reporting agency. I then filed a complaint through the XXXX XXXX XXXX. On or about XX/XX/2026 ], OnePay responded stating that my application had been reviewed and that all review options were exhausted. However, they still failed to provide a meaningful explanation or any specific details regarding the denial. At no point was I informed whether a consumer report or third-party data was used in making this decision, nor was I provided with the name of any reporting agency or instructions on how to obtain or dispute such information. I believe this lack of transparency prevents me from understanding or correcting any potential issues and may not be consistent with my rights under the Fair Credit Reporting Act if a consumer report was used. I am requesting that the company provide a clear and specific reason for the denial, disclose whether any third-party reports were used, identify the source of such reports if applicable, and explain whether there are steps I can take to resolve the issue or reapply successfully.

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 2026-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Liberty 1 Lending Inc.
State: IN

Complaint narrative:
I started a cash out refinance process with another lender when Liberty 1 Lending contacted me. I initially was working with XXXX, who was quoting me a better rate and more cash back, I was advised first payment would be on XX/XX/XXXX. After I submitted my documents, XXXX, XXXX XXXX, began working with me. XXXX then reviewed the next steps, none of the documents ever stated the first payment date but he reassured me that the first payment would be on XX/XX/XXXX. Once everything was finalized, closing day came, the notary arrived at my home, XX/XX/XXXX. My husband and I started signing but when the notary provided us the document stating the first payment date, it said XX/XX/XXXX, I instantly called XXXX in front of my husband and the notary. XXXX advised me to go ahead and sign and then he would fix the payment date, we did so. After the closing, I followed up with XXXX about the payment date, texting him on Friday XX/XX/XXXX, I got no response. I reached back out on XX/XX/XXXX and no response. I then received a notice from the new mortgage lender XXXX, with the first payment date being in XXXX. I contacted XXXX and they referred me back to Liberty 1. I contacted XXXX at Liberty 1 on XX/XX/XXXX about the situation, he said he would look into it. On XX/XX/XXXX, I called XXXX again, that is when he advised me XXXX was let go due to the reasons of misleading, giving misinformation and doing things just like in my case. XXXX stated they could not make any changes, since everything was finalized, and they could possibly give me a gift card. I contacted XXXX, and they offer mortgage assistance if the account is in default. My husband and I were getting out of some debt, and bills as I was previously unemployed. We are not financially prepared to make a payment in XXXX since we were told it would always be in XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ARS National Services, Inc.
State: MA

Complaint narrative:
XXXX is trying to collect {$6300.00} on a XXXX account. On XX/XX/XXXX, XXXX sent a collection letter with no validation notice, and completely ignoring to tell me I have XXXX days to dispute and request verification. They didn't include any of that. The letter just demanded payment within XXXX days and offered a settlement. I sent them a debt validation letter on XX/XX/XXXX. They received it via certified mail on XX/XX/XXXX. Then it got worse, on XXXX literally XXXX day after receiving my dispute- they sent me another collection letter. Same debt, different settlement offer. They completely ignored my validation demand! They know they have to stop collection until they provide validation. Instead they just sent another letter like nothing happened. So far, here 's what they've done : No validation notice in either letter XXXX collection after receiving my dispute ( received XX/XX/XXXX, sent new letter XX/XX/XXXX ) Creating false urgency with XXXX deadlines

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Roadrunner Account Services, LLC
State: GA

Complaint narrative:
I had my motorcycle repo from roadrunner accounting. I emailed them numerous times for a itemized break down to get release order for them to reinstate the loan I have provided them with all the documents if ID and 3 pay stubs they asked. I even sent 6 I have 2 jobs I sent 3 of the most recent from both jobs. They sent me a quote that didn't make sense at all as that will be provided. I asked everything to be in email for written proof I have not been provided with any of the information I have asked for vs I provided all information they have asked from me.v

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I was contacted by an individual, identifying themselves as recovery resources They called from phone number XXXX ( XXXX ) XXXX The person I spoke to was named XXXX XXXX XXXX was informed that I had an outstanding debt with XXXX XXXX bank from a credit card. I had in XXXX. That the credit card had been put into collections in XXXX XXXX, and now has been forwarded to them to handle debt collection I mistakenly gave my Social Security number to them I know bad move I asked them how they got my information, they recited an email address that I have not used for 25 years and they brought up a debt from my financial institution XXXX XXXX That I do not have a credit card with and did not know money to I requested all of this information was sent to me in the mail on paper so I could discuss with my wife, at which point I was told we could settle it on the phone and that no paperwork would be sent I was told that I owed {$3900.00} but they would take a payment of {$1900.00} to clear the debt I asked for their phone number, and how to get back in touch with them next week the information given to me was the following XXXXXXXX XXXX XXXX XXXX ( when they call the phone number comes up as recovery resources not XXXXXXXX XXXX XXXX ) Attempting to collect a debt that was sent into collections on XX/XX/year> from HSB CAPITOL ONE The debt was for {$3800.00} They would not send paperwork to confirm this, instead they said I could settle today for {$1900.00} on the phone I took the phone number and name of the person I was speaking with ( below ) XXXX XXXX XXXX XXXX Monday - Thursday XXXX Friday after discussing with my wife, I realized that I never had a XXXX XXXX credit card I called XXXX XXXX to confirm and they said Ive never had an account with them I believe my identity was stolen, and I believe they were trying to take money from me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
b"On XXXX XXXX XXXX I sent a debt validation letter via Certified Mail to Santander Consumer USA regarding an account they are reporting on my credit report. They signed for the letter on XXXXXXXX XXXX XXXX (proof of delivery attached), but never provided any verification of the debt.\n\nDespite this, the account was briefly removed from my credit report, then reinserted without any proof or validation. This account does not belong to me.\n\nI have never received any statements, contracts, or proof that this debt is mine. The company has failed to validate the debt as required by law, yet continues to report it as if it's verified.\n\nSteps taken:\n\n XXXX XXXX XXXX Sent debt validation letter to Santander via Certified Mail\n XXXX XXXX XXXX Letter was signed for by Santander (tracking XXXX XXXX XXXX XXXX XXXX XXXXn Late XXXX XXXX Account was removed briefly, then reinserted without validation\n\nI am requesting that Santander immediately remove this account from my credit report and provide proof of validation if they claim it's mine."

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation