vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
XXXX {$1100.00} showing on my credit report as negitive

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: FL

Complaint narrative:
In XX/XX/year>, I entered into a tax resolution services agreement with XXXX XXXX XXXX XXXX XXXX. The agreement was in my name. XXXX represented that they would contact the IRS, stop enforcement actions, and work toward resolving approximately {$60000.00} in tax liability for a substantially lower amount. An initial fee was paid, and all documents requested by XXXX including tax documents were provided promptly via email. 

Despite full cooperation, XXXX XXXX XXXX failed to meaningfully perform the promised services. IRS correspondence continued to be sent to a prior tax professional, we continued making payments directly to the IRS, and XXXX did not demonstrate that they filed IRS powers of attorney, obtained IRS transcripts, or conducted substantive communications with the IRS. XXXX from XXXX was sporadic, and no clear progress was shown. 

Without clear disclosure or informed consent, third-party financing was arranged through Westlake Portfolio Management XXXX XXXX with the XXXX services XXXX We later began receiving collection notices from XXXX for approximately {$18000.00}. The financing was unexpected and not clearly explained at the time of enrollment. 

Importantly, the XXXX XXXX agreement is in my name, while the XXXX account appears to be tied to my husbands Social Security number. The debt letter from XXXX lists the name incorrectly as XXXX, XXXX, which is not an accurate or standard representation of either partys legal name. This discrepancy raises concerns regarding authorization and proper loan origination. 

When we attempted to cancel the XXXX XXXX agreement due to non-performance, XXXX refused and instead requested documents that had already been provided months earlier, attempting to shift responsibility for delays onto us. We have written proof that all requested documents were submitted.

We formally disputed the Westlake account and requested loan validation, documentation regarding origination and disbursement, signed financing disclosures, and proof that the underlying services tied to the loan were fully performed. Westlake has not provided the requested validation or resolved the dispute, yet collection activity has continued.

This complaint concerns attempts to collect a disputed debt arising from services that were not performed as represented, lack of clear informed consent for financing, and concerns regarding improper loan origination and identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: IL

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 2026-01-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
On XX/XX/year>, I made a {$1400.00} purchase from XXXX with the understanding I was supposed to get 24 % rewards for the purchase from Capital One XXXX. I took a screenshot of the Capital One XXXX box showing the 24 % reward was activated. However, despite providing the screenshot to their customer service, I was told " We show no records of a higher rewards rate on the date of purchase '' and Capital One XXXX refused to honor the 24 % reward. 

I made this purchase in large part because, by my math, the Capital One XXXX 24 % reward would offset hundreds of dollars of the purchase price. Instead, I feel like Capital One XXXX engaged in fraudulent activity and does not stand by their application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, a medical company called XXXX XXXX XXXX XXXX attempted to withdraw {$76.00} from my checking account. 

I did not authorize recurring or automatic withdrawals from this company. 

I contacted XXXX XXXX XXXX XXXX  and they stated they can not stop the charge. I also contacted JPMorgan Chase Bank multiple times and requested to revoke authorization and place a stop payment. Chase informed me they are unable to block the charge. 

I replaced my debit card, but the merchant continues attempting to withdraw funds from my account. 

I am requesting that JPMorgan Chase Bank block all future withdrawal attempts from XXXX XXXX XXXX XXXX, investigate this medical charge, and protect my account from further unauthorized debits.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Hello, I applied for the XXXX XXXX XXXX XXXX XXXX account issued by Barclays Bank Delaware and the credit card was approved on XX/XX/XXXX, XXXX Credit card number last XXXX digits : XXXX. 

Barclays Bank locked my account for security reasons as described before I even received the physical card. They requested I fax documents to verify my identity including bank statements, social security card, drivers license, and tax documents. I faxed the official documents on XX/XX/XXXX and XXXX. I was told it would take XXXX business days to verify my identity and release the lock on my account. It has now been XXXX business days with no reasonable updates. I have called Barclays Bank several times and they provide no other information, timelines, or updates besides saying my documents are in review. This delay and lack of updates has been increasingly frustrating and entirely unacceptable. 

Moreover, I recently reviewed my credit report and noticed Barclays Bank reported a {$99.00} balance to my credit report which is the annual fee. I promptly called Barclays Bank to immediately waive and refund the annual fee until such a time as I have access to my account. I am unable to see my account and thus unable to see this charge. I have not been able to access nor use my account since I applied, therefore, the annual fee should have not been assessed. Barclays Bank refused to waive this fee even though it is affecting my credit report and I have no access to the account. They recently informed me that I must pay via mailed check or money order which is an additional hardship.

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 2026-01-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am submitting this complaint regarding Bank of Americas handling of a billing dispute on my credit card account ending in XXXX. 

I disputed multiple charges from a merchant, XXXX XXXX, on the basis of misleading billing practices and misrepresentation of insurance coverage. At the time of booking the appointment, I repeatedly confirmed with the merchant that I would not be charged and that the visit would be covered by my insurance. I was explicitly told that insurance would cover the appointment. I was later charged regardless, and subsequentl y informed the charges would be waived, which did not occur. 

Bank of America denied my dispute solely on the basis that the transactions were authorized, relying on device and metadata matching. However, my dispute was not based on fraud or unauthorized card use. It was based on merchant conduct, specifically : Misrepresentation of insurance coverage Charges inconsistent with what was communicated at the time of booking Failure to clearly disclose recurring or repeated charges The charges in question are : {$100.00} XX/XX/XXXX ( Ref XXXX ) {$100.00} XX/XX/XXXX ( Ref XXXX ) {$97.00} XX/XX/XXXX ( Ref XXXX ) Total disputed amount : {$290.00} Bank of America did not fairly evaluate the dispute under appropriate non-fraud dispute categories such as service misrepresentation or billing not as agreed. I was repeatedly transferred between departments and was unable to obtain a substantive review or escalation. 

I am requesting that Bank of America : Reopen or re-evaluate this dispute under the correct billing dispute category, and Provide a written explanation for why non-fraud billing protections were not applied. 

I believe the handling of this dispute did not meet the standard of a fair and thorough investigation as required under consumer protection regulations. 

Thank you for your attention to this matter.

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 2026-01-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX Washington , DC XXXX Re : Auto Finance Loan Federal Consumer Law Violations I am submitting this complaint regarding an auto finance loan that contains multiple violations of federal consumer protection laws, including the Truth in Lending Act ( TILA ), Regulation Z, and the Fair Credit Reporting Act ( FCRA ). 

The contract provided to me is confusing, partially illegible, and fails to clearly disclose required loan terms, including the APR, finance charge, total of payments, and payment schedule. Required disclosures are not clear or conspicuous as mandated by federal law. 

Additionally, the contract appears to include add-on products and/or fees that were not clearly itemized or knowingly consented to in writing, in violation of Regulation Z. 

There are also documented identity theft and fraud indicators, including fraud alerts and/or security freezes. Any origination, servicing, or credit reporting of this account without proper identity verification violates the FCRA and the Identity Theft Red Flags Rule. 

I am requesting that the CFPB : Investigate this lenders practices Require correction of disclosures Require correction or deletion of inaccurate credit reporting Require appropriate consumer relief I have attempted to resolve this matter directly with the lender. 

Thank you for your assistance. 

XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: Experian Information Solutions Inc.
State: PA

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 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 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am a XXXX veteran and a single parent who holds a XXXX account with USAA. I am filing this complaint because USAA has failed to adequately protect my VA funds on multiple occasions and has not resolved ongoing issues despite my attempts to address them. 
First, I had a deposit from my XXXX bank account that was supposed to be credited to my USAA account. USAA claimed they never received this deposit. I have already filed a CFPB complaint on XXXX  for their part, but I need USAA to be held accountable as well for not assisting me in locating or crediting that deposit. 
Second, I had a dispute with USAA regarding a company that repeatedly changed its name in order to withdraw funds from my account multiple times. Initially, USAA provided me with a temporary credit, but then they reversed it. This resulted in a loss of about {$1000.00} because USAA did not protect my account from these unauthorized withdrawals tied to that companys name changes. 
Finally, there have been multiple instances where my VA education deposits, which are clearly marked as VA funds, were taken from my account. I have repeatedly tried to resolve this with USAA, but they have not taken proper action. They referred me to a compliance officer who has never contacted me back, and the issue has remained unresolved far beyond the expected review period. 
I am requesting a full audit of my account and immediate replacement of the funds that were taken, as well as a thorough investigation into USAAs handling of these issues. I need assurance that my VA funds will be protected going forward and that this matter will be resolved promptly. 

Just before this complaint was made today, I made a call to USAA to see what resolution was made in regards to these issues. I had a few transfers : First XXXX of customer service transfer me over to XXXX is disputes, who mentioned there wasn't much he could do. I was then transferred to XXXX who could transfer the call to the advocacy team but asked me to retail and get the member advocacy team directly. I called the number provided with extension ( XXXX ) to reach a XXXX, whose email picked up after two rings. I left a voicemail to give receipt of the call. No resolution has been received although this issue has been reported since XX/XX/XXXX with this department in particular. The original dispute has handled quite sometime ago, and the resolution has been ongoing for several weeks.

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 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX in XXXX XXXX XXXX  XXXX I attempted to deposit {$1700.00} at an outside Wells Fargo ATM . The ATM address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The ATM malfunctioned and retained {$1500.00} of my cash, returning only {$200.00} and a damaged {$20.00} bill. I reported the issue immediately. Wells Fargo denied my claim without adequately explaining how ATM retained-cash logs and camera footage support that denial. This was a retained-cash malfunction, not a counting discrepancy. I filed a police report with XXXX XXXX. The report number is : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
I am experiencing an unresolved loan servicing transfer that has been ongoing since XX/XX/year>. 
I initially contacted XXXX XXXX, who advised that my loan servicing had been transferred to XXXX. XXXX  then informed me that my loans were transferred to Aidvantage. However, the loans have not completed the transfer, and Aidvantage confirms the loans remain in default and inaccessible.

Because the loans are stuck in transfer, I am unable to request deferment, forbearance, or make payments, despite repeated attempts to resolve this with all servicers involved. I have been told multiple times to wait until the transfer is complete, but it has now been nearly five months, which is unreasonable.

During this time, my credit has been negatively affected, even though I have not been provided a way to manage the loans or correct the default due to servicing failures.

I am requesting : Immediate resolution of the servicing transfer Placement of the loans into administrative forbearance retroactively and going forward Correction or suppression of negative credit reporting caused by this transfer delay Written confirmation of who is currently responsible for servicing my loans This prolonged transfer and lack of access to loan management options represents a servicing failure and has caused financial and credit harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XX/XX/year> XXXX XXXX RE : CEASE AND DESIST NOTICE This letter serves as a formal notice that you are hereby instructed to cease and desist immediately from engaging in any further acts of [ describe the conduct : harassment, unwanted contact, defamation, threats, misuse of personal information, etc. ] directed toward me. 

Your actions are unwelcome, inappropriate, and harmful, and they interfere with my rights. You are hereby demanded to immediately stop all forms of contact with me, whether direct or indirect, including but not limited to phone calls, text messages, emails, social media communications, in-person visits, or contact through third parties.

This letter constitutes formal legal notice. Should this conduct continue after receipt of this notice, I will have no choice but to pursue all available legal remedies, including filing complaints with the appropriate authorities and initiating legal proceedings, without further notice.

Nothing in this letter shall be construed as a waiver of any of my legal rights, all of which are expressly reserved.

Your immediate compliance is expected.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: NY

Complaint narrative:
Submitted new military orders to DISCOVER CARD on XX/XX/year> to start the process of receiving mandated SCRA military benefits, which is supposed to lower my APR interest rate. They claimed this would take up to 30 business days to complete. It is now XX/XX/year> and the XXXX hasn't taken effect. They blame their merger with XX/XX/XXXXXXXX for the delay and have yet to provide an answer as to when this will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jerrerson capital I request this information { complete information in my PDF Do not miss one item respond through the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Gave a {$200.00} Vanilla Visa gift card to my granddaughter for XXXX ( from XXXX ). On XX/XX/year>, her mother took her shopping. They went to XXXX XXXX store and bought items for {$7.00}. Then, traveled down the street to the XXXX, and tried to purchase merchandise from XXXX, but was informed that there was only {$38.00} available on card. Mom called XXXX to report something wrong. Was not able to speak to anyone, just referred to the website. The website showed a pending transaction at XXXX XXXX XXXX XXXX of {$150.00}. When she tried to let them know that this was a fraudulent charge, there was no means to do so. The website doesn't allow any type of communication other than the choices to push a button to report a problem or call the number on the back of the card, which only tells you to file a complaint on the website. It does not allow you to file anything on 'pending ' transactions, just completed ones. We've tried calling several times over the next few days, only to be told to go to the website. When the transaction finally showed as 'processed ' we were able to dispute the charge, but were not able to explain the situation. Now, the card stands at a {$0.00} balance and they 'anticipate ' a resolution by XX/XX/XXXX! There is NO customer service!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: MI

Complaint narrative:
We had a pest control plan than protected our home with routine annual inspections. I notice I had not gotten an inspection in XXXX or a bill. I called XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX at XXXX to report the problem. They stated my account had fallen out of their system. I scheduled my missing inspection for XX/XX/XXXX from XXXXXXXX XXXX 
When no one came we called the company back & were told they had come, knocked on the door & completed the inspection with no one home. We advised them that we were home, the house has door bells & that an inspection requires entry into both the home & garage. We pointed out that we did not get a call or missed appointment information left at the house. 
They rescheduled us for an inspection on XX/XX/XXXX from XXXXXXXX XXXX XXXX XXXX We received a call from the inspector who stated he was in XXXX & would not be able to keep appointment. 
We decided we were not interested in continuing to do business with the company & therefore called to cancel plan. They continued to send bills. I returned the XX/XX/XXXX bill with a written statement that I no longer wished to continue program as we were not able to get inspections. I received a bill dated XX/XX/XXXX followed by an undated bill which had added a {$12.00} late fee. I called on XX/XX/XXXX & representative stated bill continues to be due that he would notify management who would contact us in 24-48 hours. I received no call or message on my answering machine. 
I then got a collection notice email from ARM Solutions, XXXX XXXX XXXX, XXXX, CA XXXX with a form I must complete by XX/XX/XXXX & return to XXXX. The email included a link to this site. I Have filed a complaint with the both the Federal Trade Commission & the State of Michigan.

Company response to consumer: Closed with explanation