vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with a trade-in
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting a complaint regarding a vehicle lease transaction involving XXXX XXXX. At the time I entered into a new lease agreement, dealership staff represented that I could leave my prior leased vehicle with the dealership and move fully into the new lease arrangement. Months later, I received notices from the prior leasing bank stating that I remained responsible for the remaining lease payments and charges associated with the previous lease. Upon review of the lease and financing documents, I found no clear disclosure identifying : * a prior lease payoff, * remaining lease obligations, * negative equity, * trade payoff allocation, * or acknowledgment that I would remain personally responsible for those obligations. The dealership later produced only a photocopy of a handwritten document which they claim supports their position. I dispute the authenticity of the signature appearing on that document, and the dealership has failed to produce the original despite multiple requests. When I returned to the dealership requesting to inspect the original document, I felt that my limited XXXX proficiency was used against me and referenced as a reason to avoid properly addressing my concerns and providing access to the original document. I respectfully request review of the dealerships disclosure and financing practices related to this transaction. 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 2026-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
They both have provided me with several lies and misleading facts this company has stated that it was XXXX and XXXX says that this issue belongs to vystar on reasons that are not related to the closing of a business. It was not a issue like this, it was closed due to a hurricane and in the denial letter XXXX advised me that they do not provide services to self employed individuals so they both are at fault here. I just want is this to be fixed and no further action will be needed, my loan to be corrected and credit fixed as it would have been when making on time payments. Both Vystar and XXXX have been providing false info about each other, that's where this process has been a hard run for myself to get corrected. This company wants to just take the car and not get this loan back on track or allow this process to move through its process. If they will consider correcting their issues and getting this loan back together this loan can be paid down quite a bit. They sold me a policy they say don't cover self employed individual 's and I don't want this stress any longer, I just want this to all be settled and done

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 2026-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I, XXXX XXXX, declare under penalty of perjury that I am a victim of identity theft. I discovered that my personal information has been used without my knowledge or authorization to open and/or use fraudulent accounts. I did not open, authorize, or benefit from these accounts. The fraudulent accounts are as follows : XXXX XXXX {$550.00} XXXX XXXX {$670.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$14000.00} XXXX {$200.00} I have no knowledge of these accounts and did not give permission to any individual to use my identity to establish or access them. To the best of my knowledge : I did not apply for or open these accounts I did not sign any documents related to these accounts I did not receive any goods, services, or funds from these accounts I believe my personal information was obtained and used fraudulently without my consent. I am requesting that these accounts be investigated, removed from my credit file, and that appropriate steps be taken to prevent further misuse of my identity. I certify that the information provided is true and correct to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CL Holdings LLC
State: CA

Complaint narrative:
A man who did not identify himself showed up at my home and disclosed all of my personal information to my roommate. He told her hed be watching the house waiting for me to come home. It was very scary and felt threatening and violating

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: NC

Complaint narrative:
My issue is with XXXX XXXX. Address XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX. To which I accuired an auto loan through a small dealership near me. I bought the car back in XXXX or XXXX and I still have the vehicle to this day. During last year I fell into financial hardship. To which I had to file chap XXXX. I XXXX myself from XXXX XXXX to sell my house to pay off debt. XXXX of those debt was my XXXX XXXX XXXX through XXXX XXXX. So I got in contact with them over the phone to see if they were willing to settle for XXXX to which I owed XXXX on the car at the time. They agreed over the phone verbally to which I hope was recorded since it was making an honest effort to settle the issue, so I paid them the XXXX on XX/XX/XXXX to which I have confirmation numbers form emails. I had to do XXXX transaction since my bank wouldn't allow that much money to be taken at XXXX time. I told XXXX XXXX they could send the title to my parents address at the time to which I was moving. That was back in XXXX of this year and I still haven't received my title to which they agreed and it's XXXX. I still have the emails that I paid XXXX to them. I called trying to resolve the issue to which I kept being put on hold by the staff/agents and transferred to different departments and always in the end, to return to the automated menu. It got to XXXX XXXX that I had to threaten to take legal action to which they breach the agreement deal since I haven't received anything yet in the mail. And it's been XXXX months now! I feel uneasy now that I'm dealing with a company that I told my SS number over the phone to pull up my old loan information to which they agreed that the settlement was on XX/XX/XXXX of this year. Im starting to feel like i fell victim of identity theft/ fraud. Since I'm not being treated with honesty from business transaction standpoint to settle and issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
XXXX Agreed that refinance with 5.25 % interest with {$5700.00} for point XXXX Found out that Rocket Mortgage did not lock my rate- I have the text from loan advisor that they did not lock it. XX/XX/year> to XX/XX/year> : Appealed and asked them to investigate all the texts, emails between my loan advisor and me. XXXX informed me that XXXX can not offer the same ( 5.25 % + {$5700.00} as point ). Asked them to provide all the records for the investigation, but they said no. Rocket can offer with 5.37 % plus {$9600.00} for XXXX, which is {$3800.00} more with 0.12 % more interest. XX/XX/year> Because of the middle Eastern war, I agree that 5.37 % with point {$9600.00}. XX/XX/year> to XX/XX/year> Contacted few times and asked for the update. They keep telling me that sometimes it takes longer. They contacted me to provide a title company, so I said I do not want to delay any more I will used what Rocket wants to use. XX/XX/year> XXXX a loan estimate with 5.37 % plus {$26000.00} for point ( {$17000.00} more than {$9600.00} ) XX/XX/year> Contacted them and they informed me that because I did not pay for XXXX Mortgage it got delayed. But I already paid my XXXX mortgage. Later they said they can not get back from the attorney 's office ; they had problem with Deed. which is I totally did not know until XX/XX/year>. XX/XX/year> They extended my loan to XX/XX/year>, and they suggested me to pay extra {$1600.00} to extend my loan to XX/XX/year>. XXXX XXXX called me and told me that XXXX can not cover extra {$1600.00}. I lost my chance to go with other lender, and while Rocket messing up my loan process, I lost all the opportunity to get better rate and better closing cost. I have been asking all the investigation records, but they did not. None of them gave me their superior information or contact information for me to claim this case. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Re : CFPB Complaint # XXXX Date : XX/XX/year> To Whom It XXXX Concern, I am formally disputing the response provided by Ally Bank , as it does not address the core issue of my complaint. My concern is not simply that a contract exists, but that I am currently paying for a Mechanical Failure Service Contract that has proven to be unusable and has provided no meaningful benefit. Within approximately XXXX year of financing my vehicle, I was required to pay {$4600.00} out of pocket for injector repairs. This occurred shortly after exceeding the mileage limitation under the service contract. As a result, the coverage I believed I had purchased did not apply when I needed it most. Additionally, I am still obligated to make monthly payments that include the cost of this service contract, despite the fact that : - The contract did not provide coverage when a major repair occurred - I have already incurred significant out-of-pocket expenses- I have no confidence that future major repairs will be covered I also relied on verbal representations made by the finance representative at the dealership regarding the scope and usefulness of the service contract. Those representations influenced my decision to purchase the coverage. Ally Banks response only reiterates that a contract was signed but does not address : - The lack of practical value received from the service contract - The financial burden placed on me despite carrying this coverage - Any reasonable effort to resolve this matter in good faith Given these circumstances, I am requesting a goodwill resolution, including one or more of the following : - Partial reimbursement of the {$4600.00} repair cost - Adjustment of my loan to remove the cost of the service contract - Any other reasonable financial relief I am not disputing that I signed the agreement; I am requesting a fair and reasonable resolution based on the outcome and the financial hardship I have experienced. I respectfully request that this complaint remain open and that Ally Bank provide a more thorough and meaningful response. 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 2026-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX WELLS BRANCH PKW XXXX XXXX XXXX, TX XXXX XX/XX/year> WESTLAKE FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concer, I am writing to formally dispute and challenge the addition of a SecureOne Connect GPS device charge in the amount of {$540.00}, which appears on my recent finance agreement associated with my account. At no point during my telephone conversation with your representative did I agree to purchase this device. In fact, I was explicitly told that this GPS device would be provided at no cost. This representation was material to my decision-making, and I relied on that statement. However, the contract I received reflects a {$540.00} charge, which is a direct contradiction of what was disclosed to me verbally. This constitutes a misrepresentation of terms and raises serious concerns under consumer protection laws, including but not limited to : Truth in Lending Act ( TILA ) requiring accurate disclosure of credit terms Federal Trade Commission Act ( 15 U.S.C. 45 ) prohibiting deceptive practices Fair Credit Reporting Act ( FCRA ) if this obligation is reported inaccurately Additionally, I have requested a copy of the recorded phone conversation, which your company maintains, and have been denied access. This is unacceptable. FORMAL DEMANDS : 1. Provide a complete copy of the recorded call in which this product was allegedly authorized 2. Immediately remove the {$540.00} charge if you can not produce clear verbal consent 3. Provide written confirmation that this charge has been corrected and will not negatively impact my account Let me be clear : If you fail to provide the recorded conversation or resolve this matter promptly, I will proceed with filing formal complaints with the following agencies : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Office of the Attorney General ( Texas ) I am documenting all communications regarding this matter. Failure to comply may also result in further legal action for deceptive business practices. This is your opportunity to resolve this matter amicably. I expect a written response within XXXX business days of receipt of this letter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am submitting this complaint regarding Citibanks handling of my account after I reported a fraudulent charge. I notified Citibank of a transaction on my account that I did not authorize. Citibank chose to close my account. I was not given a meaningful explanation for this decision, nor was I informed that disputing fraud could result in account closure. As a result of Citibanks actions, I no longer have access to my funds. I have been told that I must wait until the account is fully closed before receiving a check for my remaining balance. This has created a financial hardship and is unacceptable, especially given that I acted in good faith to report fraud. I believe Citibanks actions are unfair for the following reasons : * I reported a legitimate fraudulent transaction and should not be penalized for protecting my account. * Closing my account without proper explanation or warning is unreasonable. * Withholding access to my funds during the closure process places an unnecessary burden on me. I am requesting the following resolution : 1. Immediate release of my remaining account balance without further delay. 2. A clear written explanation as to why my account was closed. 3. Confirmation that this account closure will not negatively impact my banking history or consumer reports. I expect Citibank to correct this situation promptly and handle this matter in a fair and transparent manner.

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 2026-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
My auto loan has a contractual due date on the XXXX of each month. After falling behind, the company placed me on payment arrangements with specific payment dates around the XXXX of each month. I received multiple written confirmations through emails and text messages reminding me to make payments on those arranged dates ( for example, XX/XX/XXXX, XX/XX/XXXX, and similar dates ). I made payments according to those instructions. However, the company repeatedly charged late fees around the XXXX of each month, before the arranged payment dates they instructed me to follow. A late fee was charged on XX/XX/year>, while I made my payment on XX/XX/year> A late fee was charged on XX/XX/year>, while I made my payment on XX/XX/year> A late fee was charged on XX/XX/year>, while I had an arrangement to pay on XX/XX/year> I relied on the companys written instructions and followed the agreed payment arrangement dates. I was not clearly informed that late fees would still be assessed before those arranged payment dates. As a result, I was charged multiple late fees even though I was complying with the payment schedule provided to me. This issue is separate from any past due balance or repossession. My complaint is specifically about being charged late fees while following the payment arrangements given to me. I am requesting removal and refund of all improper late fees, adjustment of any related charges, and correction of my account.

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 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/year>, and XX/XX/year>, transactions in the amounts of {$2500.00} and {$1600.00}, respectively, were debited from my account by a merchant identified as XXXX XXXX XXXXXXXX. These charges were represented as being related to alleged lease violations. However, this representation is false. I had already satisfied all legitimate lease obligations in full, and no valid lease violations occurred that would justify these additional charges. The amounts charged were not consistent with any contractual terms and appeared to be unilaterally created and modified by the merchant. The merchant also asserted additional claims, including alleged property damage ( e.g., a broken door ), which did not occur and were not supported by any evidence or inspection. In addition, the services associated with the lease were not properly provided, including maintenance obligations and the provision of a habitable living environment. Communication from the merchant included conduct that I consider improper and harassing. I provided my payment information in the context of what I believed to be legitimate rent-related transactions. However, there is concern that the individual ( s ) processing or facilitating these charges may have acted outside the scope of lawful authority or misrepresented their role, raising potential fraud or unauthorized transaction concerns. I contacted or attempted to address these issues with the merchant around XX/XX/year>, but the matter was not resolved. As a result, I initiated a dispute with my financial institution requesting reversal of these charges. These transactions are disputed in full as unauthorized, improperly authorized, and/or obtained through misrepresentation. This complaint is being submitted to ensure appropriate review of both the merchants conduct and the financial institutions handling of the dispute under applicable consumer protection standards and to ensure the financial institution issues me a refund immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: B9, Inc.
State: FL

Complaint narrative:
So i am using B9 CASH ADVANCE & BANKING so i was like XXXX months lets give this a try so i nput my info my direct deposit for XXXX through adp like a normal direct deposit and they have this membership thing to get advance inside the app that cost XXXX the basic and XXXX the premium so i used the basic XXXX for XXXX bucks all normally my advance was going up to XXXX XXXX of XXXX XXXX but that was the most u were able to get at basic and it said on the premium " IF YOU UPGRADE YOU ADVANCE ITS GON NA BE XXXX INSTEAD '' so i like lets do it so i got premium and even change all my direct deposit the whole {$1000.00} into the app so i was able to get more and more advance with the time and i realized when i was ready to get the advance for XXXX it went down to XXXX and the next one was gon na be XXXX and i am like did i just pay XXXX to get more and it went down instead? i tried talking to them but everytime the same asnwer copy and paste like no actual response to my problem and no explanation adn at last i requested a refund of my XXXX or a fulfillment of the advertised amount and again no response just another copy and paste.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
on XX/XX/year> I received notice that I had a new hard inquiry on my credit report. It was from chase bank. I called them and they had told me a credit card app was opened in my name. I told them that this was not my doing and I did not authorize this. I was told to cal back tomorrow as the department I needed to speak with was closed. I then called all XXXX credit bureaus and placed freezes on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one is suing me through XXXXXXXX XXXX is how I found out if fraudulent accounts I never opened

Company response to consumer: Closed with explanation