vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I have a loan with Westlake financial for a used vehicle. My car has been repossessed ( XX/XX/year> ) without a notice and upon calling the company I was told it was due to being behind on payments I explained to them I wasnt behind on payment and that in XXXX XXXX I had called them to make a payment for the month of XXXX and XXXX. And the remaining balance from the payment that was {$100.00} would be paid at the end of XXXX. Which was agreed upon and was talked over the phone. Once I called the company the day of repossession they informed me that me that a payment wasnt ever made and that they never spoke with me on the phone. They said that they have no record of any calls nor payment even with me trying to show proof of payment. I then get told that the only way to receive my vehicle back would be by paying off the payout amount which is around {$8000.00}. When asking to speak with a higher up or other person the call gets hung up. I call back and someone else answered and at this point I went over all my payments and loan papers. They are stating I owe and need to pay ~ {$8000.00} to get the vehicle back which doesnt make sense because Ive been making payments for a year now and when i started the loan amount was - {$8000.00}. Doesnt make sense how I still owe the same amount I started off with even after paying it month to month for a year. And on their side they cant show me my statements or nothing from the time I got the car to now showing I made my payments. They also for some reason hung up the call once I mentioned that and havent answered my call since. Once going through the only 4 statements I have available they say that Ive only made 1 out of 60 payments which is also false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint against Experian Information Solutions XXXX XXXX and XXXX XXXX XXXX XXXX ( NFCU ) for violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including willful failure to ensure accuracy and failure to conduct a reasonable reinvestigation. 

I formally disputed the XXXX charge-off account listed on my Experian credit report. Despite receiving notice of this dispute, Experian continues to report this account without possessing or reviewing competent, primary-source documentation sufficient to meet the maximum possible accuracy standard required under 15 U.S.C. 1681e ( b ).

Experian has not demonstrated that it reviewed original creditor records or any admissible evidence. Instead, Experian appears to rely on automated e-OSCAR responses or furnisher attestations, which do not satisfy the statutory requirement for a reasonable reinvestigation under 15 U.S.C. 1681i ( a ). 
Neither Experian nor XXXX has produced or shown review of signed contract or application establishing legal liability, a complete, itemized payment history supporting the charge-off a verified and accurate Date of First Delinquency ( DOFD ) compliant with 15 U.S.C. 1681c Documentation establishing NFCUs authority to report this account I formally requested the Method of Verification pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), including the method used, the individual who verified the account, and the documents reviewed. Experian failed to provide this information, which constitutes an independent FCRA violation.

The continued reporting of this unverified NFCU charge-off has caused actual damages, including diminished creditworthiness, adverse credit decisions, and increased borrowing costs.

Experians continued publication of this disputed account after notice demonstrates knowing and willful non-compliance, exposing Experian and XXXX to liability under 15 U.S.C. 1681n and 1681o.

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 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On or about XX/XX/year>, my credit card was used for a {$300.00} transaction at XXXX without my authorization. Shortly after the attempted transaction, I received a text message from the merchant asking me to confirm whether I recognized the purchase. I responded NO multiple times, clearly denying authorization. 

Despite receiving my denial, the merchant proceeded to process the charge. I immediately disputed the transaction with American Express and provided documentation showing that I did not authorize the purchase and that the merchant was notified before completing the transaction. 

American Express initially issued a provisional credit, indicating acknowledgment of a valid billing dispute. However, despite the evidence provided, American Express later rebilled my account without conducting a reasonable investigation or addressing the documentation I submitted.

This action violates the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 C.F.R. 1026.13 ), which require creditors to conduct a reasonable investigation before rebilling a disputed charge. Reinstating the charge without properly evaluating the evidence is improper and unlawful. 

I have acted promptly, in good faith, and fully cooperated with the investigation. The merchants own verification message and my denial of authorization clearly demonstrate that this transaction was unauthorized and should never have been completed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/scrub> 2025, I was messaged through XXXX XXXX from someone claiming to be an agent from XXXX ( not a typo, and the only XXXX with the blue checkmark in the profile ) who runs an online gaming casino and wanted me to play on their platforms, I agreed to give them a shot and they sent a link to a payment service called XXXX, I used my cashapp account to make that payment, I sent {$25.00}, and won {$500.00} the first time playing on their platform, because of the time I couldn't redeem until the following day, and they paid me no problem, a couple days later my device that I was playing on broke and was no longer able to be used, I didn't replace the device until XX/XX/XXXX, and have a receipt to prove it, when I was finally able to regain access to my Cashapp account I noticed that about {$3000.00} was sent to XXXX over the course the past month, I first reached out to XX/XX/XXXX but was blocked immediately and couldn't contact them any further, next I reached out toXX/XX/XXXX on XX/XX/XXXX, and they said they would investigate my claim and get back to me, and have emailed them several times since and got no response, then I reached out to Cashapp, Cashapp claims no error was made and closed my account for " activities that go against their standards '' and my dispute was denied, I appealed the dispute denial and received notification stating my appeal was also denied, and my account would remain closed, I submitted a complaint with CFPB regarding this issue XX/XX/XXXX and Cashapp has retaliated against me for doing so, I am aware of the lawsuit placed against Cashapp and want to be refunded the money stolen from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: IN

Complaint narrative:
I am an active-duty service member. This debt was incurred before I entered XXXX XXXX, making it fully protected under the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3937.

I notified the debt collector of my active-duty status and provided documentation. Despite this, the collector refused to apply SCRA protections, including the mandatory 6 % interest rate cap and retroactive adjustment to my active-duty start date.

Refusing to honor valid SCRA protections is a violation of federal law. I am requesting immediate compliance with SCRA, correction of my account balance, removal of all excess interest and fees above 6 %, and written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I am filing this complaint due to ongoing payment scheduling failures and the inability to view or cancel principal-only payments through Toyota Financial Services app , website, or customer support.

I have repeatedly attempted to manage my auto loan payments online, as I do with all of my financial accounts. However, Toyota Financial Services does not allow me to reliably view, manage, or cancel scheduled paymentsspecifically future principal-only paymentsthrough either the mobile app or website. When payments are not visible, I have no way to confirm whether they are pending, processed, or canceled.

Because the system does not display these payments, I scheduled additional payments believing none existed. This resulted in unintended multiple payments being drafted from my bank account. On at least one prior occasion, duplicate payments were pulled on the same day. 
To prevent further issues, I contacted customer support multiple times to confirm whether payments were pending and to request cancellations. Support agents provided conflicting and inaccurate information, repeatedly stating that no pending payments existed. Later, I was informed that a payment scheduled for XX/XX/year> could not be canceled because the agent could see a trace ID but could not see the payment itself. An escalation was supposedly submitted, but no clear resolution or confirmation was provided. 
Despite being told the payment was canceled or not visible, the XX/XX/year> payment later appeared as pending on my bank account, forcing me to transfer funds immediately to avoid NSF fees. I am now concerned that additional future principal-only payments scheduled for XXXX, XXXX, and XXXX I explicitly requested to be canceledmay still draft without my consent. 
Toyota Financial Services has stated this is a limitation because these are future principal-only payments. This explanation is unacceptable and inconsistent with industry standards. Other lenders allow customers to view, manage, and cancel future-dated payments at any time. Even Toyota Financial Services own support agents are unable to reliably view or cancel these payments, which creates serious risk for consumers. 
I have been a reliable borrower and am in the process of paying off the remaining balance of this loan. However, these system failures, lack of transparency, and inability to control scheduled payments have caused financial risk, wasted significant time, and eroded trust in Toyota Financial Services as a lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, the bank issued a closure notice for my deposit accounts but continued to withhold my settled funds under an internal up to 60 days policy. The bank has not disclosed any legal hold, fraud determination, dispute, or overdraft that would justify withholding access to my funds. 

Hours before the closure decision, the bank completed an internal review that found no unresolvable issues and manually opened two checking accounts using an override, confirming account eligibility at that time. Shortly afterward, a different employee conducted another review and alleged account abuse, but the bank has provided no written findings or evidence supporting this allegation, despite repeated requests.

When I contacted XXXX XXXX, the representative refused to confirm whether my funds were being held due to fraud, documentation issues, or a legal reason, and instead avoided direct answers by citing internal policy. At the time of closure, all funds were fully settled and available, with no pending transactions or disputes. 

This has caused significant financial harm and hardship due to the banks refusal to release my funds or provide written justification for its actions.

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 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Lanier Law Firm, LLC
State: NC

Complaint narrative:
I have a tax lien fraud for my account with XXXX XXXX XXXX. My account was inaccessible with a data breach with forgery of my bank Statement. I have a tax lien fraud specialist from the Internal Revenue Service contact the XXXX representative for ID theft. My Tax Lien documents showed a {$140000.00} deposit with the insurance data broker. My account was registered as a ID theft with my XXXX XXXX XXXX  restrictions. My account has been deceived with inadequate security measures with XXXX XXXX Identity protection plan. I applied for account fraud assistance, and my account was stolen with liability claim insurance update from XXXX XXXX  servers. My suspect was XXXX XXXX a XXXX XXXX has been XXXX  for fraud. I have a XXXX, XXXX, and XXXX bankruptcy fraud. I just want to talk to the XXXX  XXXX Bankruptcy administrator with XXXX XXXX XXXX. The information from the account showed a account fraud with XXXX XXXX XXXX  first. My account was exposed to a tax lien fraud and XXXX XXXX XXXX  protection plan from XXXX XXXX. I have cyber liability claim for ID restoration. I would like to open a case for cyber extortion of my account. I filed a breach of contract cyber extortion liability claim for lost protection plan with my XXXX XXXX agent. The bank has a insurance policy was cancelled and the settlement administrator filed a arbitration agreement settlement for account data breach with inadequate security measures to file for email compromise data breach. My account was exposed in a tax lien fraud 1040 X amended return cyber liability claim with a XXXX  XXXX  injury. I have a XXXX to drive from a XXXX  XXXX skin abnormally bug bites from XXXX  and XXXX XXXX. My account was compromised with a inadequate security measures from XXXX. I have rescheduled counciling for remediation and driver license fraud of my XXXX records showed a data breach. I have contacted the administrator and the settlement took place with XXXX  being stolen from XXXX XXXX XXXX member claim XXXX XXXX XXXX XXXX XXXX XXXX account was breached with stolen credentials. I filed a police report and my account was inaccessible with digital footprint scan with XXXX XXXX ID protection plan. I filed a police report with a data breach with XXXX XXXX. I have a scam my account sent my check to the data broker. My account with XXXX XXXX XXXX  XXXX XXXX showed a bankruptcy fraud with account ID restoration claim. The bank trustee used cyber liability claim with XXXX XXXX policy to deceptive inadequate security measures with compromised email. My phone number is XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have apps that i do surveys for money sent to my paypal. I also have rebates from products sent to my paypal, and i receive a product to give my honest opinion in return for incentives or rebates. I also use to to receive money from friends & family. I also added money from my bank account and cashapp to make purchases. When i return the product due to damage or just bad quality the company says they have to issue the refund back to my paypal. Last year they restricted my account pending my response to a few transactions. They permanently restricted access after I provided the information they requested. I submitted a complaint with XXXX  and wrote a review about their holding my money hostage. Next day my access was restored. Yesterday they again permanently restricted my access again. I again submitted a complaint to XXXX  & wrote a review on the way they handle their company. I also called today and the woman i spoke to kept telling me that a couple of the transactions was a risk. I asked her to tell me which ones but, she declined saying it is their policy not to say because if they did it would provide a work around for me. That is ridiculous! I did nothing wrong. All i do is surveys and i receive rebates and evaluate products. All of which are totally legal. I have had my paypal for 22 years and all of a sudden they want to keep my money and refuse to explain why. I am on widows pay social security so every penny I need to survive. How can they keep my money for 4 months? I do not have control of who sends me money for surveys, rebates or evaluating. I think this is so very unfair not to mention I have a credit card with PayPal that i use that money to make the payment. How can I do that if they wont allow me to use my money? I even told them i would contact a lawyer and she said go ahead, we can not disclose the reason why they restricted my account and are holding my money even to my lawyer. So a friend suggested i contact CFPB. The attached email is from XXXX of XXXX  I just noticed they had sent. They said they sent another email for XX/XX/year> but, i can not find any. The email references a transaction in the amount of XXXX cents that i hadnt seen from XX/XX/year> from someone asking for me to do reviews for products of which i have never seen nor have i contacted this person. They wont tell me what is wrong or what happened to make them restrict my account. How can they do that?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Unauthorized withdrawals or charges — 
Company: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
You are pushing my loans out to XXXX. I am capitalizing interest. I am literally putting food in my mouth then giving you whats left. You intentionally are putting my loan in deferment without my consent. I instructed my lawyers to review my case. I have a lot of lawyers so you will be up way past bedtime. If you google my name you will see i mean what i say, I have nothing to lose at this point except gain. If you dont dissove this pnc we will have a legal battle on channel XXXX maybe even higher. I ask you to dissove this loan due to you capitalizing on interest. You put my loan in forebearance and without dealing with issue so deal with this this now not tomorrow not next day now or you will see your fate fold to tv. Do it now! I got the number or you can chance it court which pretty sure XXXX XXXX  will work well against XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I booked an XXXX rental car using my Chase Sapphire Preferred credit card at XXXX XXXX XXXX for the period of XX/XX/year> through XX/XX/year>. 

Details of my XXXX rental include the following : XXXX Rental Agreement # : XXXX, XXXX Reservation # : XXXX, XXXX Rental Claim # : XXXX. 

During my rental period, a small stone struck and cracked the front windshield while driving. I reported the damage immediately upon returning the vehicle. XXXX later billed me {$600.00} for windshield repair. 

Because my Chase Sapphire Preferred credit card includes complimentary primary auto rental collision damage coverage, I filed a claim through the Chase Card Benefits website. XXXX is the administrator of this benefit. 

My claim was approved on XX/XX/year>. The approval letter stated that payment would be issued by check to the payee address provided. I did not specify or authorize any third-party payee address in my claim and reasonably expected payment to be sent to me. 

After not receiving the check and subsequently seeing a {$600.00} charge posted to my Chase credit card ending in ( XXXX ), I contacted Chase Card Benefits multiple times over several months. I eventually learned that the check ( Payment Reference # : XXXX ) had been mailed to and cashed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I never provided, authorized, or consented to payment being sent to XXXX or any other third party. 

I contacted XXXX, who confirmed they never received payment for this damage. XXXX also informed me that XXXX is no longer their incident management partner and that claims are now handled by a different company ( XXXX XXXX ). As such, the payment issued by Chases benefit administrator did not satisfy my rental damage obligation. 

I disputed the duplicate {$600.00} charge on my Chase Sapphire Preferred card, but the dispute was denied after merchant review, despite the fact that Chases own benefit administrator approved the claim and issued payment incorrectly. 

I have spent extensive time contacting Chase Card Benefits and XXXX. Each interaction involved a different representative, requiring me to repeatedly re-explain my situation. Representatives frequently provided inaccurate information, failed to follow up as promised, or refused to provide documentation, including a copy of the cashed check. 
XXXX Chase branch bankers also attempted to assist me and experienced similar difficulty communicating with Chase Card Benefits services and XXXX. 

As of today, I have been improperly charged {$600.00} for a loss that Chases auto rental collision coverage explicitly approved and should have covered. Chase and its benefit administrator failed to ensure payment was made to the correct party and failed to correct the error once identified.

Company response to consumer: Closed with explanation