vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: OR

Complaint narrative:
On XX/XX/XXXX and XXXX, XXXX, after the death of the primary borrower, I contacted Westlake Financial Services and provided a death certificate as requested. During phone conversations with Westlake representatives, I was informed that if I continued making the payments on the vehicle loan, my name would be placed on the title. Based on those representations, I continued making monthly payments and maintaining the account in good standing. I later discovered through records from the XXXX XXXX XXXX XXXX XXXX XXXX registration documents that I was already listed in connection with the vehicle title and registration records, including Transfer on Death ( TOD ) documentation and ownership-related records connected to the vehicle. Westlake was also listed as lienholder. Since that time, I have continued making regular payments on the account. Westlakes own payment ledger reflects ongoing monthly payments after the borrowers death, including payments made throughout XXXX and XXXX. I relocated to XXXX and attempted to register the vehicle in compliance with XXXX law. However, Westlake has refused to cooperate or provide the necessary lienholder authorization/documentation required for registration, despite my continued payments and documented ownership interest. I requested clarification and assistance from Westlake multiple times but was either given conflicting information or denied assistance. This has prevented me from legally registering and fully using the vehicle despite continuing to fulfill the financial obligations on the account. I believe Westlake failed to properly handle the account after the borrowers death, failed to provide accurate information, and is improperly blocking registration of a vehicle connected to my ownership and title records while continuing to accept payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
compliance department to formally escalate an unresolved account access issue. This email is sent from XXXX the primary account email as proof of ownership of this address. Support Thread Reference : XXXX Case Number XXXX XXXX XXXX THE CORE ISSUE : Following Coinbase 's execution of my authorized request to delete duplicate accounts, I am entirely locked out of my remaining account. Standard support is sending copy-paste recovery instructions that begin with " Sign in to your account '' however, I receive a " connection issues '' error before any sign-in, XXXX, or identity verification screen appears. This can not be resolved by me on the user side. It requires backend intervention by your technical or account XXXX team. COMPLIANCE-RELEVANT BACKGROUND : XXXX. Original account created XXXX under XXXX using the name " XXXX XXXX XXXX XXXX fictitious name I used for privacy during a period when cryptocurrency carried significant regulatory uncertainty ( XXXX XXXX XXXX XXXX. This was discussed and explained to Coinbase via phone. I am the legitimate owner of this account and the associated email address. XXXX. Duplicate accounts under XXXX, XXXX, and XXXX were authorized by me to be deleted. Coinbase confirmed this deletion via sendsafely.com secure link ( XXXX XXXX ). XXXX. Post-deletion, I now receive a " connection issues '' error preventing any login. Months of support contact have not resolved this. XXXX. Coinbase 's own security team ( Case XXXX XXXXXXXX ) confirmed my credentials for XXXX were published on the internet. Unauthorized logins were recorded from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
Affirm Inc. is reporting derogatory late payment history on closed accounts with XXXX balances, which is materially misleading and disproportionately damaging to my credit profile. I am requesting investigation into the accuracy and methodology of how late payments were reported. Specifically : Multiple late payment entries are reported despite account closure No current balance exists, yet derogatory history remains Payment reporting appears inconsistent with actual account activity Under FCRA obligations, furnishers must ensure complete accuracy of all payment data. I am disputing the validity of the reported delinquency history. Affirm Inc. is reporting derogatory late payment history on closed accounts with XXXX balances, which is materially misleading and disproportionately damaging to my credit profile. I am requesting investigation into the accuracy and methodology of how late payments were reported. Specifically : Multiple late payment entries are reported despite account closure No current balance exists, yet derogatory history remains Payment reporting appears inconsistent with actual account activity Under FCRA obligations, furnishers must ensure complete accuracy of all payment data. I am disputing the validity of the reported delinquency history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
This account is being reported with materially inaccurate, incomplete, and unverifiable information that violates the Fair Credit Reporting Act ( FCRA ). The collection account lacks required data integrity and is being reported with : No identifiable original creditor No complete chain of title or ownership history Account status listed as Unknown Insufficient documentation to validate the alleged debt I previously disputed this information, yet it continues to be reported without correction or deletion. Under the FCRA, a furnisher must be able to fully verify all data it reports. National Credit Systems has failed to provide competent evidence of : Original signed contract or obligation Full itemized accounting of the alleged debt Proof of assignment or ownership of the debt Date of first delinquency Verification that reporting is complete and accurate Because this account can not be properly verified, it is being inaccurately furnished and is causing ongoing harm to my credit profile, housing eligibility, and financial access.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Urgent - Emergency Request for Investigation of the Foreclosure Proceedings and Wrongful Sale of Property ; unauthorized excess forced placed insurance premiums, fees, legal expenses, higher interest rates, lower equity in property, stripping of equity for a invalid default balance, auction bidding not verified, sales price of property drastically lower than comparable sales and market properties, ( XXXX to XXXX, ) no on site appraisal of property, denied mediation to avoid foreclosure and sale of property within five days of auction sales, conflicting contract and State laws regarding modification of loan of a frozen credit line, and high interest rates to create a gridlock by lender, ( original date of loan agreement XXXX during trough of property values during XXXX XXXX denial of benefits for XXXX XXXX XXXX for deferral of foreclosure with borrower seriously and life threatening illness, manipulation and exploitation of elderly person ; URGENT eviction on XX/XX/XXXX, without financial support for moving or relocation, Circuit Court denial of motion to stay eviction and explore wrongful auction sale of property, violations and irregularities during foreclosure proceedings of laws, notifications, creditor harassment at property with postings and inspectionss

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 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
This collection account is being reported with incomplete and unverifiable information, in violation of the Fair Credit Reporting Act. The tradeline does not identify the original creditor and lacks sufficient documentation to validate the alleged debt. Despite prior disputes, no lawful validation has been provided. I am requesting full compliance with FCRA 609 and 611, including : Complete original creditor identification Signed contract or binding obligation Itemized balance breakdown Proof of legal authority to collect Verification of reporting accuracy across all bureaus The failure to provide this documentation renders continued reporting inaccurate and misleading.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I identified an active, coordinated ticket scam operation where multiple individuals were using Chime accounts to collect fraudulent payments from consumers. I contacted Chimes member security line twice to report this and provide identifying information about the accounts involved. On both calls I was told Chime had no email, form, or any mechanism to accept fraud reports from non-customers. I requested a supervisor twice on the first call and was denied both times, with the agent stating a supervisor would give the same response. On the second call I again requested a supervisor and the agent terminated the call without transferring me and without any resolution. No report was taken, no ticket was created, no alternative reporting channel was provided, and no supervisor was ever made available across either call. I was explicitly told that unless I was a direct financial victim, Chime could not take any action regardless of the evidence I had available. This is a concern because Chime is being actively used as a payment collection method by scammers targeting consumers, and Chime has no accessible pathway for third parties to report this abuse. The refusal to escalate and the call termination suggest this is not a one-off failure but a systemic gap in their fraud reporting infrastructure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Back in XX/XX/year> Amex hike my late payment fees from {$29.00} to {$40.00} without good explanation and now they still charge monthly interest even my credit card balance was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am filing this CFPB complaint regarding inaccurate and incomplete information appearing across my credit files with Experian, TransUnion, and Equifax involving XXXX XXXX XXXX XXXX ( reported as NEGATIVE LATE OPEN ACCOUNT, {$0.00} balance, opened XXXX, last activity XXXXXXXX ), XXXX XXXX XXXX XXXX ( reported as NEGATIVE LATE CLOSED ACCOUNT LINKED TO OPEN STATUS, {$0.00} balance ), XXXXXXXX XXXX XXXX XXXX XXXX ( reported as NEGATIVE LATE OPEN ACCOUNT, {$980.00} balance, opened XXXX ), and XXXX XXXX XXXX XXXXXXXX ( {$440.00} ) and XXXXXXXX XXXX XXXX XXXXXXXX ( {$810.00} ) both reported as NEGATIVE CHARGE-OFF ACCOUNTS, as these items appear inaccurately reported and not fully supported by proper verification, payment history, or complete account-level documentation ; I am requesting separate resolutions for each bureau requiring ( 1 ) Experian to conduct a full reinvestigation under FCRA 611 and 623 ( b ) with complete disclosure under FCRA 609 for all XXXX and XXXX XXXX accounts and proper correction/update of all LATE OPEN, LATE CLOSED, and CHARGE-OFF reporting, ( 2 ) TransUnion to fully reverify and ensure accurate reporting compliance under FCRA 611, 623 ( a ) ( 2 ), 623 ( a ) ( 5 ), and 605 ( c ) including accurate DOFD reporting and correction/update of all disputed tradelines, and ( 3 ) Equifax to complete a full reinvestigation under FCRA 611, 623 ( a ) ( 2 ) , 623 ( a ) ( 1 ) ( A ), and 609 ( a ) ( 1 ) ensuring all NEGATIVE LATE OPEN, LATE CLOSED, AND CHARGE-OFF ITEMS are properly verified, updated, and supported by complete documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: PA

Complaint narrative:
I am not liable for this debt with I do not have a contract with MEDICAL DATA SYSTEMS INC they did not provide me with the original contract as I requested. Account/Order/Tracking number : XXXX Correction to my credit report, I demand this account be removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX sent a medical bill to collections in error. This XXXX XXXX visit was already fully processed and paid by my health insurance provider, XXXX XXXX XXXX ( XXXX ID # XXXX ). XXXX XXXX XXXX XXXX has already explicitly confirmed to me that this bill is paid in full under my XXXX ID # XXXX. The collection agency, Balanced Healthcare Receivables, is attempting to collect this erroneous debt under XXXX XXXX # XXXX for an alleged balance of {$1900.00}. I demand that this collection account be immediately canceled and updated to a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MORGAN STANLEY & CO. LLC
State: IN

Complaint narrative:
Over two months ago, I opened three accounts with Morgan Stanley / E * TRADE. Since that time, the bank has placed continuous, arbitrary blocks and restrictions on my accounts, rendering my funds completely inaccessible. I have complied with multiple requests to submit my official identification documents, yet the bank has failed to process them or lift the restrictions. Furthermore, because Morgan Stanleys internal systems are failing to recognize my restricted accounts, I am being repeatedly and falsely denied for the co-branded Morgan Stanley XXXX XXXX XXXX ( with rejection notices stating I " do not have qualifying accounts '' ). The bank has blocked all standard executive email communication channels, and front-line customer service has failed to resolve this. I am facing active financial harm, a total loss of access to my funds, and wrongful credit product denials due to Morgan Stanley 's systemic operational failures. I request an immediate review by a corporate compliance manager to permanently unrestrict my accounts. Submit it. Within a few days, an executive case worker from Morgan Stanley will usually call or message you directly to resolve it so they can close the regulatory ticket

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: EQUIFAX, 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 1681e ( b ) and 15 USC 1681i, 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 response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: ROBINHOOD MARKETS INC.
State: OK

Complaint narrative:
On XX/XX/XXXX, I transferred {$300.00} from my bank accountending in XXXX the account. Approximately two hours later, I initiated a transfer of {$95.00} to a card ending in XXXX. A balance of {$200.00} remained in the account. In XXXX, I reported two unauthorized transactions that I had not initiated myself. Since that time, whenever I attempted to make a transfer from the account or to Robinhood, the platform began requiring me to submit a selfie alongside my ID ( which I provided on every occasion ). Around XXXX, I purchased a XXXX XXXX here in the USA as a birthday gift for my nieces ( who reside in XXXX ). I created a user account in my own name to handle the initial setup for them, and I linked my Robinhood cardending in XXXX it. My nieces used my XXXX account from time to time to make authorized purchases in the XXXX XXXX, which I had explicitly permitted. On that fateful day, XX/XX/XXXX, one of my nieces attempted to purchase an in-game content pack ( unaware that I had changed my card number ) ; immediately thereafter, Robinhood completely froze my account and placed a hold on all transactions. I spoke with customer support, who were entirely unhelpful ; for over 40 minutes, the representative insisted that they were unable to verify my identity. To unblock my accountwhich had been blocked without justificationthey instructed me to submit bank statements for the following accounts : XXXX XXXX XXXX ( account ending in XXXX ) my primary account XXXX XXXX XXXX card ( ending in XXXX ) XXXX XXXX ( ending in XXXX ) XXXX XXXX XXXX card ( ending in XXXX ) The problem is that I have not used the XXXX account or card for several years and, consequently, I am unable to obtain a statement for it. The same applies to the account ending in XXXX. I reported this to an agent during a phone call, but he simply stated, " It's finejust send what you have. '' Initially, my account was supposed to be blocked until XX/XX/XXXX ; however, on XX/XX/XXXX, they extended the deadline to XX/XX/XXXX and are now demanding the very same statements from accounts that were closed years ago. My funds $ XXXX been frozen indefinitely, and I have completely lost access to them. All I want is to recover my money and close these Robinhood accounts. I have lost all respect and trust in them ; I had been using my accounts without any issues for over five yearsright up until that fateful day, XX/XX/XXXX. It is incredibly frustrating!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
XXXXWITHOUT PREJUDICE. Synchrony Bank reports a Highest Balance of XXXX on SYNCBXXXX XXXX XXXX against a stated Credit Limit of XXXX. This is mathematically impossible. A balance cannot exceed the credit limit by XXXX without Synchrony generating documented charges yet no billing records, fee schedules, or transaction history has ever been produced to justify this figureXXXX XXXX XXXX XXXX Synchrony issued written correspondence to XXXX XXXX XXXX certifying: "we have reviewed your account record and verified that we have reported your account information as it appears in our files...we are unable to delete or modify the status as it is reported." Synchrony certified impossible data as accurate to the consumer in writing and simultaneously certified it to XXXX XXXX XXXX XXXX XXXX All XXXX bureaus display XXXX against a XXXX limit based solely on Synchrony\'s certificationsXXXX own reinvestigation record (Report XXXX XXXX XXXX XXXX) confirms in the Additional Info field: "Between XXXX XXXX XXXX XXXX XXXX your credit limit/high balance was XXXX." XXXX own system contradicts the XXXX figure Synchrony certified.XXXXWhen prior CFPB complaints documented this XXXX XXXX, Synchrony invoked fraud flags to close both on the days they were filed XXXX XXXX XXXX XXXX XXXX XXXX without substantive response. Synchrony\'s legal email XXXX returned a hard bounce: XXXX XXXX User Unknown." A federally regulated bank is maintaining a non-functional legal contact address.XXXXSynchrony must produce itemized documentation proving how XXXX was generated on a XXXX limit or delete this account from all four bureaus. There is no XXXX option. Active parallel proceedings: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OCC complaint filed. Certified demand in transit to Synchrony Legal, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
Ive worked XXXX last year to start my credit over after XXXX years. Unfortunately, I did not know about how but they were able to get my XXXX check before it hit the bank, along with several transactions, my bank of XXXX years asked me to leave as they couldnt handle the debt theft and sent me to XXXX XXXX XXXX. I have filed fraud back in XXXX for my checking then spoke with XXXX and you helped me write the letters and to go through the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IA

Complaint narrative:
XX/XX/year> my phone was stolen and my money i had just gotten back from taxes was transferred from my tax card to my cash app account and spent without my authorization or knowledge. When my phone was returned and I realized what had happened I Immediately filed a complaint and started disputing the transactions. Some of the disputes were approved while most have been denied which makes no sense. I have talked to multiple people with cash app multiple times and basically I am being told they can't help me and I am screwed out of my money which is about {$3500.00}. I have been dealing with this since XX/XX/XXXX and I have had enough. I want my money back or I want to file a class action lawsuit. Please I need help with this and I dont know how to proceed

Company response to consumer: Closed with explanation