vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Westlake Portfolio Management is reporting inaccurate data ( wrong dates/no payments ) for a toxic loan originating from U.S. Auto Sales. The original creditor committed fraud by pocketing my warranty premiums, which led to a catastrophic engine failure they refused to cover. This specific company was ordered to pay {$42.00} XXXX in damages for these exact systemic reporting and servicing failures. I am requesting a full deletion of this trade line due to fraud and 'Failure of Consideration '.

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 2026-03-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: FL

Complaint narrative:
Im trying to get the original copy of what is owed and my signature attached to it. Also want to see the date everything stopped getting paid

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These companies having incorrect open account dates, these accounts have conflicting balances. I am seeking for these items to be blocked from showing up on my credit, and/or removed. To Whom It May Concern, I recently received the results of my dispute investigation regarding several accounts on my credit report. Your response indicated that the accounts were verified as accurate. Under the Fair Credit Reporting Act 611 ( a ) ( 7 ), I am requesting a detailed description of the method of verification used in your investigation. Please provide the following : 1. The name, address, and phone number of the person or department contacted to verify the information 2. The documentation used to verify the accounts 3. The method used to confirm the accuracy of the reported information The accounts in question include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank If you can not provide documentation showing the accounts were properly verified, the items must be deleted from my credit report under the Fair Credit Reporting Act. Please respond within the time required by law. Sincerely 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 2026-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Experian Account Number- XXXX Balance- {$370.00} Date Open- XX/XX/year>2022 XXXX Unverified Collection/Account XXXX : I dispute the XXXX account XXXX XXXX is reporting this account with inconsistent balances and delinquency dates. No contract or billing records have been provided. Under FCRA XXXX ( b ) and XXXX ( a ), unverifiable accounts must be deleted.

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 2026-03-09 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: NY

Complaint narrative:
Experian Account Number- XXXX Balance- {$370.00} Date Open- XX/XX/year>2022 XXXX Unverified Collection/Account XXXX : I dispute the XXXX account XXXX XXXX is reporting this account with inconsistent balances and delinquency dates. No contract or billing records have been provided. Under FCRA XXXX ( b ) and XXXX ( a ), unverifiable accounts must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to dispute an inaccurate late payment on my My Best Buy Visa ending in XXXX. On XX/XX/year>, I made a {$740.00} purchase. I returned the item on XX/XX/XXXX, expecting a full refund to clear the balance. Instead, only {$740.00} was credited. I was never notified of this {$5.00} shortfall. Furthermore, my account was actively enrolled in AUTOPAY. The system inexplicably failed to process this remaining {$5.00} balance ( {$7.00} on the attached statement because {$2.00} interest ), which is the sole reason it went unpaid. I contacted customer service last year regarding this error. An agent acknowledged the AutoPay failure, explicitly promised to delete the late mark, and processed a {$30.00} late fee reversal on XX/XX/year>. I have enclosed my billing statement, which clearly documents this {$30.00} LATE FEE REVERSAL. Despite this documented resolution and my subsequent online payment on XX/XX/XXXX to clear the account, the derogatory mark remains. I am finalizing a mortgage refinance, and this erroneous reporting is severely impacting my rates. Given the verified AutoPay failure, the unnotified partial refund, and the Best Buy team 's documented acknowledgment of the error, I request the removal of this late payment from my credit reports. Sincerely, 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 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Product : Credit card Issue : Problem with a purchase or service/ Getting a card Company : Capital One Description of Events : I was approved for the Capital One Savor Card with a {$2000.00} limit. After a full day of identity verification, the account was approved, only to be immediately frozen upon my second transaction. And after they charged my the {$39.00} anual fee The core of my complaint involves Capital Ones unreasonable and contradictory income verification demands : XXXX. Rejection of Primary Evidence : Capital One refused to accept my official tax returns as proof of income. I am currently facing a tax liability of {$13000.00} based on my earnings, yet Capital One claims this federal documentation " does not count. '' XXXX. Discriminatory Verification Practices : They are insisting on 3 months of bank statements. As a seasonal worker with a recognized hardship ( lack of a vehicle/winter off-season ), a XXXX snapshot of my bank account is an inaccurate and biased representation of my annual " ability to pay. '' XXXX. Failure to Follow Regulatory Spirit : By ignoring a tax returnwhich proves my annual earningsin favor of a limited XXXXmonth window, Capital One is intentionally creating a barrier to credit that ignores the reality of seasonal employment. They have already performed a hard pull on my credit and approved the account. To now move the goalposts and reject the highest form of income proof ( IRS-related filings ) is an unfair business practice. They keep saying they are doing it protect my identity well and they rejected my payment I sent via autopay they approved me charged me now it's on my credit and they won't even accept a payment it's not right

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
On XX/XX/year>, I attempted to withdraw XXXXXXXX XXXX using my debit card at an ATM in XXXX, XXXX, XXXX. The ATM did not dispense cash ( the cash slot did not open ), yet my account was charged for the withdrawal. I did not receive any cash at all, including the XXXXXXXX XXXX XXXX mentioned in the ATM log. I filed a dispute with my bank, but the bank denied my claim. The ATM terminal log for the disputed transaction indicates a device malfunction and an uncertain payout result, including : XXXX, cash position unknown, and payment amount unknown, and it records paid : XXXXXXXX XXXX XXXX This log is inconsistent with a successful full cash withdrawal and does not prove that I received cash. I am requesting that the bank reopen and properly investigate this ATM cash-not-received error and credit back the full XXXXXXXX XXXX ( plus any related fees ). I also request a written explanation of the investigation and the supporting records used to deny the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Complaint : I paid for the XXXX XXXX application fee {$120.00} using my Capital One credit card because the card provides reimbursement for this benefit. Capital One representatives confirmed that I am eligible and told me the statement credit would be issued before the XXXX billing cycle. Despite this confirmation on XX/XX/XXXX, the billing cycle has now passed and the credit has still not been applied. I have contacted Capital One numerous times and spent many hours on hold being transferred between departments. During one call last month, after nearly three hours on the phone, a manager assured me the credit would be posted before the billing cycle ended, which did not happen. Today I called again and had to repeat the entire situation. A supervisor named XXXX opened another case with the benefits department. I have been a loyal customer of Capital One for about five years and have always paid my account on time. It is extremely frustrating to spend so much time trying to receive a benefit that was promised. I request that Capital One immediately honor the XXXX XXXX reimbursement and review my account for additional compensation due to the excessive time, inconvenience, and repeated failed resolutions

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-09 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: Chime Financial Inc
State: NC

Complaint narrative:
Subject : Formal Dispute of Unauthorized Transactions I am writing to formally dispute several unauthorized transactions that were charged to my account by the merchant XXXX on XX/XX/year>. These transactions were not made or authorized by me. I have already reported this matter and provided clear facts explaining that these charges are fraudulent ; however, my disputes have repeatedly been denied. The unauthorized transactions include, but may not be limited to : {$300.00} {$150.00} {$300.00} {$300.00} {$99.00} {$190.00} {$300.00} {$49.00} {$49.00} {$300.00} {$300.00} {$99.00} {$49.00} {$29.00} These charges were not authorized by me and appear to be fraudulent. I am requesting a full investigation and provisional credit to my account while the investigation is ongoing. I also want to note that this may not be the complete list of disputed transactions and that additional disputes may be filed. If this matter is not handled appropriately, I will escalate the matter further by filing formal complaints with consumer protection agencies and pursuing legal remedies if necessary. Sincerely, XXXX XXXX ( Signature )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: UT

Complaint narrative:
My account was compromised. There were over 60 unauthorized purchases made to a merchant that I have never used totaling over {$9000.00}. Some how my card was accessed through online payment while the card was physically in my possession. These charges started small at {$9.00} and increased to {$290.00}. These transactions were being taken while I was out doing other things simultaneously. Theres no way I couldve made these purchases. My ENTIRE account was almost wiped completely. This is unauthorized electronic transfer fraud under Regulation E. I am requesting a full investigation ( with evidence ) and reimbursement. I have used Cashapps services for years with no issue but now that one has occurred requiring their intervention I am in utter disbelief in how little theyve done to resolve it. They have lost a loyal customer and I will make sure others know of the lack of care they possess as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management
State: NC

Complaint narrative:
Account XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account as soon as possible from my credit report and cease all reporting. Or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I purchased appliances from Home Depot under a promotional offer of XXXX months interest-free financing. At the time of purchase, Home Depot employees informed me that opening a Home Depot Pro credit card would still qualify for the promotion and that I would simply need to contact Citibank afterward to activate the promotional financing. After the purchase, Citibank informed me that the promotion could not be applied to the XXXX account. I spent approximately XXXX months attempting to resolve the issue between Citibank and Home Depot. During this time, I received conflicting instructions from both companies. XXXX informed me that I should stop making payments because the account would be corrected and that any interest charges or late fees would be removed once the correct promotional financing was applied. Following these instructions, I was told to open a Home Depot consumer credit card so the balance could be moved and the correct promotional terms applied. However, a Citibank supervisor later stated that the balance could not be transferred due to differences in interest rates between the accounts. The Citibank supervisor then instructed the Home Depot employee that the only possible solution was to fully refund the purchase from the XXXX account and recharge it to the consumer account. After this process, the account now reflects only XXXX months of promotional financing instead of the original XXXX months that was advertised and promised at the time of purchase. Throughout this process it was extremely difficult to obtain assistance from Citibank. I spent many hours on the phone being transferred repeatedly between departments, often without resolution. It was also extremely difficult to reach a supervisor, and on multiple occasions calls were disconnected after long hold times. This made it very difficult to resolve what should have been a straightforward promotional financing correction. During XXXX call, a Citibank XXXX stated that transferring the balance directly to the consumer account would violate their internal rules due to differences in interest rates. However, the same supervisor instructed the Home Depot employee that the only way to resolve the issue was to refund the purchase from the XXXX account and recharge it to the consumer account. This instruction effectively produced the same outcome that the supervisor had stated could not be done through a transfer. I believe I was misled regarding the terms of the promotional financing and that the issue was improperly handled despite numerous attempts to resolve it. I am requesting that the original XXXX-month promotional financing be honored and that any interest, late fees, or negative account impacts related to this issue 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 monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
For the month of XX/XX/XXXX, I paid the statement balance of XXXX by the due date of XX/XX/XXXX. New purchases for the billing cycle were XXXX. They charged me XXXX in interest on XX/XX/XXXX for new purchases.

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 2026-03-09 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing a complaint regarding my credit card issuers refusal to properly process a dispute for merchandise that was never received. On XX/XX/XXXX, I used my Chase credit card to purchase a set of books from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, in the amount of {$150.00}. The order was paid in full at the time of purchase. The merchant never shipped the merchandise and never provided tracking or delivery confirmation. As of today, I have not received the items and no refund has been issued. I filed a dispute on XX/XX/XXXX with my credit card company for merchandise not received. However, the dispute was denied solely because the bank stated the claim was outside the XXXX-day dispute timeframe. I appealed it XX/XX/XXXX and provided emails and timelines from the company and was denied again. This denial does not properly consider that the goods were never delivered. Because the merchant failed to fulfill the order, the dispute should be evaluated under delayed delivery or merchandise-not-received guidelines, where the timeframe begins from the expected delivery or failure-to-deliver date rather than the purchase date. I have attempted to resolve the issue with both the merchant and my credit card issuer but have not received a resolution. I am requesting that my credit card company review this matter again and properly evaluate the dispute as merchandise not received. I am seeking reimbursement for the charge for goods that were paid for but never delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
I get out of XXXX and find out my agreements been changed sponsored accounts authorized users I would never be a duck and just allow someone to take my money or approve of someone knowing my private business but my account is compromised since XXXX and I have unautorized activity I just realized someone drained a lot of my money from my cashapp account without my permission and I just found out I have a XXXX account that payments went to and I haven't received XXXX but someone has and XXXX has allowed someone to hack me and steal my payments I'm demanding every dime of my payments and my money removed without my permission back now

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I entered into a Retail Installment Contract for the purchase of a 2021 XXXX XXXX ( VIN : XXXX ). The contract identifies XXXX XXXX, XXXX as the XXXX and states that the buyer agrees to pay the XXXX the amount financed under a deferred payment schedule. However, the dealership confirmed that the transaction was contingent upon approval and funding by a third-party financing institution. The Retail Installment Contract itself does not disclose any such financing contingency and contains no language indicating that the sellers creditor rights were conditional upon lender approval or funding. The contract further indicates that the seller assigns its interest in the agreement to Ally Financial as the assignee. Because an assignment can transfer only the rights actually possessed by the assignor at the time of transfer, the structure of the transaction raises questions about whether the dealership ever possessed an independent right to receive the deferred installment payments described in the contract. On XXXX XXXX, 2026, I sent a written dispute letter to Ally Financial requesting clarification regarding the assignment and the basis upon which Ally Financial claims the right to enforce the contract. In that letter, I requested documentation showing : whether the transaction was contingent upon financing approval and funding whether the seller possessed an enforceable right to receive the installment payments prior to assignment the date the contract was assigned documentation reflecting the assignment and funding of the transaction To date, the issue remains unresolved, and the requested clarification regarding the assignment and creditor rights has not been adequately addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
am submitting this complaint regarding my mortgage account with Guaranteed Rate. In XX/XX/year>, my account reflected a single XXXX late payment due to a temporary financial hardship. The hardship has since been resolved and the mortgage is now fully current and in good standing. This was an isolated incident and does not reflect my overall payment history. I have contacted the lender directly and fully acknowledge that the reporting is accurate. I am not disputing the accuracy of the information. Rather, I am respectfully requesting a one-time goodwill adjustment consideration to remove the recent XXXX late payment given that the account is current and the hardship was temporary. I value my relationship with the lender and have otherwise maintained a strong payment history. This single late payment has had a significant impact on my credit profile and my ability to obtain fair financing despite the account now being current. I am simply requesting that the account be reviewed at the executive level for a possible goodwill adjustment as a courtesy.

Company response to consumer: Closed with explanation