vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: CO

Complaint narrative:
I am filing this complaint regarding Westlake Financials ongoing and documented failure to properly process my vehicle title, creating an imminent and foreseeable loss of my ability to legally operate my vehicle. 

My vehicle was purchased on XX/XX/XXXX, and more than 100 days have passed without proper title completion. I have fully exhausted the 90-day temporary operating permit issued by the Arizona DMV , and my final temporary permit expires on XX/XX/XXXX. The Arizona DMV has confirmed that no additional temporary permits are available. 

I am a Colorado resident whose work and business operations are based in Arizona. Despite repeated inquiries, the Colorado DMV has confirmed that it has no record of receiving any valid title submission for my vehicle from Westlake Financial, which indicates a failure to submit, generate, or properly route the required title documentation.

I have made all loan payments on time and currently pay {$1000.00} per month, yet Westlake Financials continued inaction places me at immediate risk of being unable to legally operate my vehicle once my temporary permit expires.

I have also incurred out-of-pocket costs for temporary permits, power of attorney, mailing and shipping, and related administrative expenses as a direct result of this issue, all in an effort to mitigate damages caused by Westlake Financials failure.

Requested resolution : Immediate submission and expedited processing of my vehicle title by a senior Title Department representative A credit of one full monthly payment ( {$1000.00} ) to my loan principal or equivalent monetary compensation due to imminent loss of vehicle use Credit or reimbursement for permit and administrative expenses Written confirmation that a valid title request has been generated and that the title submission now fully complies with Colorado DMV requirements This matter represents preventable financial harm, loss of vehicle use, and continued lender negligence, which has not been resolved despite ample time, repeated documented contact, and full compliance with all borrower obligations on my part.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-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: EQUIFAX, INC.
State: NC

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, around XXXX XXXX, I went to withdraw {$800.00} from my account. 
The ATM machine was having trouble giving me the cash & canceled the transaction, I move over to the next ATM & the machine says I have reached my ATM limit, I check my app on my phone, I go back to the 1st atm machine thinking the mi XXXX could be stuck. I pull out {$20.00} and I get it with no issues. I tried calling but was closed. 
The next day, I called again & the person on the phone told me that the machine detected an issue & initiated a return to my account {$800.00}, that could take 7-10 days.

7 days later I called, Im told that the could escalate the situation but could take 7-10 days again. Up to 45 days.

Once I talked to the 2nd person I get transferred to the fraud department, makes me think that Im accused of fraud? I talked to the fraud department agent. He said no fraud was committed I get transferred to the 3-rd-4th person again.

5 days later, I walked into the bank the issue happen. & the teller refused to get the GM, once I told him I wasnt leaving until I talked to someone. Later on XXXX came out, I told her I wanted to talk in private a more profesional way of talking. Turns out she is not the XXXX, more like an assistant XXXX. & said she could help and that issues like that was common & she didnt know why it would take that long. Took my info but never called me. Now, between the 2nd & 6th day I walked in to ask for the GM and I was told I had to call the 800 number. 
That day I needed the money for XXXX presents. Now Im behind on my mortgage & struggling with my weekly expenses because Im {$800.00} short. & thats not counting they held my check from Saturday to the following Tuesday when the issue with the cash happened.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I previously filed a CFPB complaint regarding this account due to inaccurate reporting of the date of first delinquency. XXXX XXXX XXXX responded, acknowledging that the original Capital One account was opened in XX/XX/XXXX and purchased by XXXX in XX/XX/XXXX. However, despite this response, the account continues to report an incorrect collection date on my credit report, effectively re-aging the debt. Under the Fair Credit Reporting Act, the reporting period must be based on the date of first delinquency, not the date the debt was purchased by a collection agency. XXXX has failed to correct this inaccurate reporting after being placed on notice through the prior CFPB complaint. I am requesting the CFPBs assistance in requiring XXXX to correct the reporting to reflect the accurate date of first delinquency or remove the account from my credit report as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Complaint details : Account XXXX XXXX I am submitting this complaint regarding Wells Fargo closing my account due to identity theft. 

An account in my name was compromised and used fraudulently without my knowledge or authorization. Once the identity theft was discovered, I notified Wells Fargo and cooperated fully with their investigation. Wells Fargo closed the account XXXX $ as a result of the identity theft. 

Although the account was closed due to fraud, Wells Fargo has failed to properly resolve the matter. The closure has resulted in ongoing issues, including potential negative reporting, confusion regarding account responsibility, and stress caused by the lack of clear communication and final resolution. 

I did not authorize the fraudulent activity and should not be held responsible for any transactions or balances associated with the identity theft. Under applicable consumer protection laws, including the Electronic Fund Transfer Act ( EFTA ) and Fair Credit Reporting Act ( FCRA ), number reach me 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 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
On XX/XX/year> I ordered a rear lift gate for a XXXX XXXX XXXX from XXXX XXXX XXXX. The item never arrived. The information on the XXXX tracking number and dimension/weight description did not match what I ordered and the tracking number was dated before my transaction date. I made several attempts to contact the company and they do not answer the phone. I made several attempts to contact XXXX, they will not release any information because my name and address does not match the tracking number I was sent. I sent all of this information to Cash App twice and was denied my appeal. The information Cash App sent me when I requested how they came to their decision did not match my transaction.

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: 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: NC

Complaint narrative:
Per my Previous complaint ( Complaint ID : XXXX ) I submitted a request for multiple accounts reporting on my credit that are inaccuracy and have not been validated nor verified which is a pure violated of the FCRA. Including incorrect addresses ( Personal information and accounts ) There also is another person who shares my exact name. ( Proper documentation verified this ). I needed to see documentation and never have. 

Report number : Report Number XXXX Report Number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX Account XXXX XXXX Most importantly a Charge off for an account : Account name XXXX XXXX Account number XXXX This account was reported this without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws.I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ).

I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures. 

Account name XXXX  XXXX Account number XXXX Account name XXXX  XXXX Account number 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 2026-01-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: MO

Complaint narrative:
I do not recognize this alleged account. The account first appeared on my credit report on XX/XX/year> with a reported balance of {$1700.00}. I have not received any prior notice, billing statements, or validation regarding this account. The original creditor is incorrectly listed as the collection agency, and the reported date and balance are inaccurate and unverifiable. I have had no prior contact with this company and have taken no action regarding this alleged debt. I am requesting full validation of the account, including the name of the original creditor, original account number, date of first delinquency, and a complete itemization of the balance. If this information can not be provided, the account should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I. What happened? ( The Statement of Fact ) The Situation : I am a XXXX " XXXX '' customer of JPMorgan Chase ( XXXX XXXX XXXX ) navigating a documented 65 % revenue crash in my business. I have acted in total good faith to resolve a balance liquidation request before hitting a 30-day delinquency. 

The Evidence : I proactively provided audited XXXX Profit & Loss statements via email to the XXXX XXXX ( Case # XXXX ) on XX/XX/XXXX, and XX/XX/XXXX. These documents prove that any interest-bearing plan leads to insolvency. My net monthly profit of ~ {$3500.00} is the sole income for a family of four in California ; after business overhead and basic survival, my disposable margin is near zero. I offered a sustainable plan to repay 100 % of the principal at $ XXXX. 

The Failure : On XX/XX/XXXX, XXXX Case Worker " XXXX '' admitted she would not manually review my P & XXXX. She referred me to the " XXXX XXXX XXXX '' ( XXXX ) for negotiation. However, XXXX representative " XXXX '' ( XX/XX/XXXX ) admitted her department has no access to my documents and XXXX authority to override a system-generated 6 % rate. XXXX admitted in a recorded call ( XX/XX/XXXX ) that her office would not manually review my XXXX XXXX XXXXXXXX. I have a full audio recording of this interaction available for the CFPB investigator upon request to verify the accuracy of the attached transcript. 

The Outcome : Chase is ignoring audited financial evidence and forcing a long-term customer into a mathematically impossible plan. Their refusal to perform manual underwriting effectively triggers a default and bankruptcy, resulting in a total loss for the bank despite my offer of 100 % principal recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
Regarding Wells Fargo XXXX # XXXX I am filing this complaint because Wells Fargo has failed to conduct a reasonable investigation into a valid billing dispute on my account. My husband, who is fully authorized to manage this dispute, has been provided with materially false and contradictory information by bank representatives. 

The Timeline of Inconsistency- The Promise : On XX/XX/XXXX, my husband spoke with a XXXX named XXXX regarding our dispute for a defective device. XXXX explicitly statedand documented in the account notesthat if we submitted " Evidence Packet B '' proving the Date of Discovery, the claim would be approved. A second agent, XXXX, confirmed this standard. 

The Reliance : Acting on this specific instruction, we compiled and submitted the required evidence. 

The Denial : On XX/XX/XXXX, my husband called to confirm receipt. A new XXXX forced a re-authorization process ( which I provided ), but then proceeded to contradict the previous managers. She stated the bank " does not deal with the merchant '' and arbitrarily rejected the diagnostic evidence because it was generated by AI software rather than a " human '' a requirement never disclosed previously. 

The Violation : Wells Fargo is engaging in unfair practices by " moving the goalposts. '' My authorized representative was promised a specific resolution path by a XXXX, we followed that path exactly, and the bank subsequently changed the rules to deny the claim.

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: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
i have a best buy credit card ending XXXX I was charged a late fee even though I was only XXXX days late. I have a history of on-time payments and previously requested a goodwill adjustment, which was denied by phone. I am requesting a XXXX-time courtesy credit to remove the late fee.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I discovered a collection account reported by Transworld for an alleged XXXX XXXX debt in the amount of {$660.00}. This account appears on my TransUnion and Equifax credit reports. According to my credit reports, the account was reported around XXXX 2025. I did not open, authorize, or use a XXXX XXXX account, and I do not recognize this debt. 

After noticing the account, I requested validation from the collection agency, including proof of the original agreement, authorization, and documentation showing the account belongs to me. At this time, no documentation has been provided showing that I am responsible for this debt. 

I am reporting this account as identity theft because the account was opened without my knowledge or consent, and the collection is inaccurately reporting information that does not belong to me. I am requesting that this account be investigated and removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am filing a formal complaint againstBank of Americaregarding the total freezing of my account containing approximately $ XXXXand the bank 's subsequent refusal to communicate with me. 

XXXX XXXX, XXXX, and XX/XX/XXXX, I made numerous international calls to resolve a security lockout. A representative explicitly assured me that my identity was verified and I could proceed with transfers. However, when I attempted a $ XXXX XXXX payment to verify this, the Fraud Department immediately locked my account. 
The sequence of the banks unreasonable actions is as follows : Inconsistent Demands : After the {$1.00} transfer, the Fraud Department insisted that Iphysically visit a U.S. branch, which is impossible as I am currently in XXXX XXXX. 

Complete Communication Block : The very next day, the bank escalated the restriction. Now, customer service representatives refuse to even access my account or speak with me unless I pass a phone verificationthrough a specific U.S. carrier. 

Refusal of Efforts : I purchased XXXX XXXX comply with their U.S. phone requirement, but the bank rejected it. They also refused my offer of notarized identity documents. 

The bank has effectively created a '' deadlock '' : they won't talk to me without a phone verification that they won't accept, and they demand a physical visit that I can not make. This is a material denial of my right to access my {$13000.00}. 

I am currently in the process of renewing my passport to provide a valid, up-to-date identification. I am fully willing to cooperate with reasonable measures like video calls or secure document uploads. The bank 's current stance is not a security measure ; it is an outright seizure of my funds. 

I am currently in XXXX XXXX and can not receive calls on a U.S. mobile number.All communication regarding this matter must be done via email.I am actively monitoring my email address : 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 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
XX/XX/year> {$4800.00} I went in the bank to withdraw cash that I had available and the teller told me I couldnt I had to wait until in the morning but I went to another bank within XXXX minutes and recieved my funds

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 2026-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Account was marked as XXXX days late in XX/XX/year> the account is current

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