vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: MD

Complaint narrative:
I am filing a complaint regarding a repossessed vehicle that has not been returned despite payment. 

My vehicle was repossessed on XX/XX/scrub> 2026. I made a payment on XX/XX/year>2026 to reinstate the account. I was informed that a release was sent to the towing company the same day so I could retrieve my vehicle. 
However, the towing company has repeatedly confirmed they have no record of any release from Westlake Financial. I have contacted Westlake Financial more than XXXX times attempting to resolve this issue. Despite this, I still do not have my vehicle and no one has been able to provide proof that a release was ever sent. 

I am currently without my vehicle even though I paid to reinstate the loan. This has caused transportation expenses and ongoing hardship. I am also concerned about additional storage fees and being billed for a vehicle I can not access. 

I am requesting immediate resolution, including confirmation that the release has been properly sent, coordination with the towing company to ensure I can retrieve my vehicle, and clarification that I will not be held responsible for any storage fees caused by this delay. 

I am seeking urgent assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
good morning. 
they financed 2020 XXXX truck for me, whith the first payment due noviemer XXXX. i made four payments ( {$900.00} noviember XXXX XXXX XXXX XXXX XXXX ) at 22.59 % interet XXXX daily, i paid {$3500.00} for XXXX months ( XXXX ) XXXX months ago, the prtincipal didnt descrease, and im still making payments, the regular payment is {$880.00}, but las month i paid {$900.00} which is more than usual. it all went to interest. the trucks price was XXXX but it dropped to XXXX, meaning they " re stealing {$890.00} from me. i dont know what to do .i " ve called them XXXX times but they won " t give me any information and are demanding more payment, help me please. the principal hasn " t decreased any further. their address ally bank p.o.box XXXX XXXX, nc XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC
State: TN

Complaint narrative:
We recently satisfied our loan balance in full with Planet Home Lending on XXXX by refinancing with a different bank. Planet Home received that payment in full on XXXX per the letter they sent us dated XXXX. On XXXX they auto debited a payment from our checking account. We called on XXXX to dispute and get a refund. We were on the phone for over 4 hours in total trying to get resolution, we were told the payment had not posted on their end so there was nothing they could do and advised us to do a stop payment on our end with our bank. They advised it would take up to 30 days for us to get a refund. Our bank could not do a stop payment because they transaction already went through. So we started a dispute but that too would take time. On XXXX we called Planet Home again. They informed us that the payment was received on their end and did clear but they were still requiring proof from us that it was debited from our account- they requested a bank statement. Which we were unable to provide to them because our statement cycle do not end until end of XXXX. After another 3+ hours on the phone we were told by a floor supervisor that a check would be processed and one nighted to us by XXXX  XXXX and that the supervisor would personally call us when the tracking number by Friday XXXX afternoon. We heard nothing. We called again on XXXX and spent another 3+ hours trying to speak to a supervisor. 


We are looking for immediate over night of our refund check for the auto payment that was debited after we paid off our loan in full as well as our escrow over payment Loan payment. - {$5700.00} Escrow - approximately {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
When I got this vehicle capital ones online auto loan app quoted a price per month and apr that was decent, however after going in to get car they jacked up the price and apr and when questioned they blamed the dealership and the dealership blamed them. They have refused to refinance and have this set up in a way that I will never pay off this vehicle. It is my belief that they knowingly did this loan knowing at the payment amount and apr I would never pay off and it would more likely than not at some point be repossessed. I have confronted them about this and while they didnt come out and admit, they equally never denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
SUNRISECRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISECRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-02-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MA

Complaint narrative:
I am submitting a formal complaint regarding fraudulent accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX that have been reported on my credit file. These accounts were not opened by me, and I have never authorized any transactions associated with them. They are clearly cases of identity theft. 

I believe this account is fraudulent and the result of identity theft due to unauthorized access or misuse of my personal information. I am a victim of a known data breach and XXXX XXXX XXXX XXXX  ) I did not engage in any transaction that would create this debt. I request investigation and deletion of this account from my credit report under the Fair Credit Reporting Act. I am enclosing documentation supporting my identity theft claim Despite disputing these accounts directly with the lenders and collection agencies, they have refused to remove the fraudulent entries. 

This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires that : 1. All information reported to consumer reporting agencies must be accurate and verifiable.

2. Consumer reporting agencies must investigate disputes within 30 days of receiving notice from a consumer regarding inaccurate information.

3. Any information that can not be verified as accurate must be removed from the credit report.

I demand that the CFPB investigate this matter, compel the reporting agencies to remove all fraudulent accounts immediately, and prevent them from further damaging my credit.

I am prepared to provide any supporting documentation required to verify this claim, including police reports or other relevant evidence, upon request.

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 2026-02-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Complaint Date : XX/XX/XXXX I am filing this complaint regarding Nissan Motor Acceptance Company LLC ( NMAC ).

NMAC is reporting my former auto lease as OPEN with a balance of {$6500.00} as of XX/XX/XXXX. 

The lease was terminated and the vehicle returned in XX/XX/XXXX. Nissans own End-of-Lease statement states the lease was brought to a close and refers to a closed lease account.

Despite this, NMAC continues reporting the account as OPEN.

This is inaccurate and materially misleading under the Fair Credit Reporting Act.

An account that has been terminated and for which the collateral has been returned can not be accurately characterized as OPEN.

NMAC has already responded to CFPB previously but has refused to correct this inaccurate reporting.

Requested Resolution : Immediate update to CLOSED / TERMINATED OR Permanent deletion of the tradeline If not corrected, I intend to pursue litigation under the FCRA for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I sent a written validation request to Equifax regarding a collection reporting for XXXX XXXX XXXX and received no response. The company continues to report this account without providing a lease agreement, accounting ledger, proof of mitigation of damages, or proof of assignment. Reporting unverifiable rental debt violates 15 U.S.C. 1681e ( b ) and 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I submitted an application for the Capital One XXXX XXXX credit card on XX/XX/year>. After a standard identity verification process, which included submitting front and back images of my drivers license, approval was granted on XX/XX/year>. The card was received and activated on XX/XX/year>. 

On XX/XX/year>, I was at XXXX attempting to purchase cat food for my pets when my card was declined. I received a notification on my phone indicating that my card had expired and advising me to use my new card. Since I had only recently opened this account and received the card six days prior, I was aware that the card was not outdated. I accessed the Capital One app to investigate the issue, where I discovered that my account was restricted. Consequently, I immediately contacted Capital One to inquire about the situation. They informed me that my account had been closed. When asked for the reason, they explained that their automated systems had detected suspicious or fraudulent activity. I assured them that there had been no suspicious or fraudulent activity involving my card. I have had the card for only six days and have used it solely for groceries, renting a car to travel to Ohio for a funeral, gas, XXXX purchases, and other everyday transactions. After explaining this, they reviewed my account and stated that they did not understand why it was detected as suspicious, attributing it to an automatic computer system, and informed me that there was no possibility of reinstating my account. As previously mentioned, I have maintained the card for only seven days, and I am being asked to pay a {$390.00} membership fee, despite onlybeing a member for six days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: PROVIDENT FUNDING ASSOCIATES
State: PA

Complaint narrative:
I am submitting a request for executive review regarding a single XXXXday late payment reported by Provident Funding for XX/XX/year>2025. 

This late payment occurred due to an oversight and was immediately corrected once discovered. I promptly brought the account current and have otherwise maintained a strong and consistent payment history. 

I have contacted Provident Funding multiple times and requested a goodwill adjustment, explaining that this was my first and only late payment and that I am a long-standing, responsible customer. While they confirmed the reporting is accurate, they advised they do not offer courtesy adjustments. 

This single late payment is significantly impacting my ability to obtain new financing despite my otherwise positive history. 

I am respectfully requesting that Provident Funding conduct an executive-level goodwill review and consider removing this XXXX late payment as a gesture of customer goodwill. 

I am not disputing the accuracy of the account, only requesting a goodwill accommodation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 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 said that the merchant declined a credit, so I cant get a refund/chargeback. 

However : 1 ) when speaking the to merchant after the fact, they said multiple times they do not have any record of Citi requesting a credit 2 ) I opened the dispute because the merchant wouldnt give me a credit, obviously they wouldnt give it back to Citi either 3 ) this isnt a please give me situation, this is a fraudulent transaction and Citi needs to chargeback the transaction rather than politely requesting a credit 4 ) Citi claims that the merchant claims delivery, however Ive provided countless proof to Citi that the delivery tracker is a scam, including multiple online links to websites and forums describing the exam scam I fell for

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 2026-02-18 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: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, 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 2026-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
Account is showing open with a incorrect balance by a servicer who no longer services my student loans. XXXX is the only loan servicer who should be reporting my student loan balance of {$130000.00}. The department of education is reporting excessively making it appear that I owe multiple loans damaging my credit and chances of a mortgage approval or favorable terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 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: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, 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 2026-02-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC
State: CA

Complaint narrative:
I am filing this complaint regarding an inaccurate rental debt reported by my former apartment management. 

In XX/XX/year>2025, I contacted the apartment management regarding disputed charges on my final statement. I had already paid {$1700.00}. In their written response, the management stated that the lease break fee was {$2100.00} and that the prorated amount had been corrected. 

However, the amount later sent to collections was {$3700.00}, which is significantly higher than the lease break fee they previously stated. 

I continued to follow up in XX/XX/scrub> 2025 requesting clarification and correction of the balance, as they had repeatedly indicated that the amount would be adjusted. Despite these assurances, no corrected final balance was ever provided to me. 

Despite the unresolved dispute and inconsistent amounts, the apartment management sent the alleged balance to a collection agency. 

The amount reported to collections does not match the written communication provided by the apartment management and does not reflect a finalized or properly validated balance. 

This inaccurate reporting has negatively impacted my credit score. 

I have documentation of all communications showing that the balance was disputed, that different amounts were stated, and that the issue was never properly resolved prior to being sent to collections. 

I request that this inaccurate collection account be removed immediately and that the incorrect amount be withdrawn from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
XX/XX/year>2025 my chime account was hacked and the amount of XXXX was stolen from my account and I have done sent the company all the information and the police report showing proof that my account was hacked and my email address associated with my account was changed and I have opened the dispute XX/XX/XXXX times already and got denied every time

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NE

Complaint narrative:
I was incarcerated from XXXX XXXX to XX/XX/XXXX my account was stolen from my phone 8 turned in court records police reports everything chime denied my dispute 5x but approved 1 it makes no sense I have proof of everything! It's my SSI money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC.
State: IL

Complaint narrative:
Our Reference Number : XXXX Original Creditor Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor To Whom Debt Is Owed : XXXX XXXX XXXX XXXX Creditor Account Number : XXXX Total Balance Due : {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION. 

THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS. 

FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS. 

THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

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 2026-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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