vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: MD

Complaint narrative:
I am filing this complaint against Westlake Financial Services regarding the handling of my auto loan account, specifically involving a repossession, attempted redemption payment, and subsequent sale of my vehicle. On or about XXXX XXXX a payment was made on my account using a third-party card in an effort to redeem my repossessed vehicle. This payment was made prior to the sale of the vehicle and was intended to exercise my legal right of redemption. Despite this, Westlake Financial Services proceeded to sell the vehicle. Afterward, I was informed that the payment was reversed with the explanation of insufficient funds. However, I have not been provided with any documentation supporting this claim. I have made prior attempts to obtain clarification and documentation from the company, including requesting : * Payment processing records * Reason for the payment reversal * Date of vehicle sale * Full balance and deficiency calculation To date, Westlake Financial Services has failed to provide this information. I am disputing the accuracy of this account and the actions taken by the company. Specifically : * The lender has not verified whether the payment was properly processed or wrongfully reversed * The lender has not provided proof supporting the claim of insufficient funds * The vehicle may have been sold after a valid redemption attempt * The balance being reported may be inaccurate I have requesting that Westlake Financial Services : 1. Provide full documentation of the payment transaction, including authorization and reversal details 2. Provide the exact date of sale of the vehicle and all related notices 3. Provide a complete and accurate accounting of the remaining balance 4. Correct any inaccurate reporting to credit bureaus If the company can not provide sufficient documentation to support its claims, I am requesting that this account be corrected or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
On XX/XX/year> I received a notification that an account was placed in collections once it hit my credit report. I was not made aware of this account. It's for the amount of {$3700.00} from ConServe with original creditor XXXX XXXX XXXX. I did attend for XXXX XXXX but I'm not sure where this collection is coming from as financial aid paid the tuition. I have previously disputed the account through the credit bureaus with no success. I even tried to call them and they wouldn't give me any information about the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I am filing a complaint regarding inaccurate reporting and failure to provide proper validation of an account associated with Chase Auto. I submitted a formal written request for validation, including the original contract, charge-off details, any records of transfer or sale of the account, and a full itemized breakdown of the balance. This documentation has not been provided. Despite my request, the account continues to be reported to credit bureaus, and the information has been verified as accurate without supporting documentation. Reporting an account without proper validation raises concerns regarding compliance with the Fair Credit Reporting Act. I am requesting : Full documentation supporting the account Verification of the balance and how it was calculated Records of any transfer or sale of the account Immediate correction or deletion of the account if validation can not be provided If this account can not be properly validated with supporting documentation, it should not continue to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I disputed both accounts ending in XXXX and XXXX on XX/XX/year>, XX/XX/year>, and XX/XX/year>. In each dispute, I requested full validation of the debts, including a Method of Verification ( MOV ), proof of ownership, original signed agreement, and complete account history. I also submitted supporting information to challenge the accuracy of the reporting. Despite these repeated disputes and requests, I did not receive any meaningful documentation or proof verifying the debts, only generic responses stating the accounts were valid or accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MO

Complaint narrative:
I am filing this complaint regarding an account reported by Jefferson Capital Systems XXXX that appears on my credit report. On or about XX/XX/year>, this account was reported as a collection in the amount of approximately {$200.00}. I do not recognize this account and have no knowledge of this debt. I did not authorize or open this account. I have disputed this account and requested validation, including documentation with my signature and proof that I am legally responsible. However, I have not been provided with any valid documentation or evidence supporting this claim. This inaccurate reporting is negatively impacting my credit and my ability to secure housing for my family. I am requesting that Jefferson Capital Systems LLC provide proper validation of this debt. If they can not provide sufficient proof, I am requesting immediate removal of this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit report agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal secured loan account opened at XXXX XXXX XXXX XXXX date opened XX/XX/year>, account number : XXXX, and credit inquiries with XXXX XXXX on XX/XX/year>, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent reported. The aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint { case number } as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IN

Complaint narrative:
I received a notification saying my account will be closed soon. I called and asked whats the reason for my account being closed was told the automated system found a problem with my account and other than that I should goggle online and see why my account was closing. But I wasnt giving any explanation or no appeal for me to keep my account active.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
In XX/XX/XXXX, I financed the purchase of a XXXX XXXX XXXX with XXXX miles through Credit Acceptance Corporation. The amount financed was {$21000.00} at an interest rate of 23.99 % APR, with a monthly payment of {$580.00} over a 69-month term. I believe this loan is predatory for the following reasons : 1. The interest rate of 23.99 % APR is far above the national average for used auto loans, which typically ranges between 711 %. 2. The vehicle had over XXXX miles at the time of purchase, making the financed amount of {$21000.00} disproportionate to the vehicle 's actual value and long-term reliability. 3. Despite making monthly payments of {$580.00} since XX/XX/XXXX, my remaining balance is approximately {$19000.00} {$20000.00}. After more than a year of payments totaling over {$9000.00}, very little has been applied to the principal. The majority of each payment is being absorbed by interest. 4. Over the full 69-month term, I will have paid approximately {$40000.00} for a vehicle that was worth significantly less at the time of purchase nearly double the financed amount. 5. I was not clearly informed at the time of signing how much I would pay in total interest over the life of the loan, nor was I adequately informed of the long-term financial impact of the loan terms. I believe Credit Acceptance Corporation engaged in predatory lending practices by issuing a high-interest, long-term loan on a high-mileage used vehicle in a way that was not in my financial interest and may violate the Truth in Lending Act ( TILA ). I am requesting that the CFPB investigate 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 2026-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b governing the permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or any lawful authorization. I did not provide written instructions authorizing the collection, use, or disclosure of this information. This conduct constitutes a clear violation of federal law, and I have formally disputed the items at issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, two Solar salesmen did a in- home visit in my home. They were door-to- door salespersons for XXXX. After I called XXXX XXXX XXXX, I didn't meet in person or by phone calls any representative to discuss or sign any documents, neither Installment or Loan Contracts or Notice of Commencement for work to begin. Ninety days later, I received call for Service Finance informing me that my first installment was due. This was the first time I had heard of this company and my obligations of a loan being approved and applied for. For 2.5 years, I have sent payment out of fear, because I was told that the solar equipment was installed and wouldn't be repossessed as I requested. And that a Lien would be enforced if I didn't pay the installments. Recently, I contacted both XXXX and Service on XX/XX/XXXX, by sending. a Certified Mail Demand Letter, with requested Return Receipt for the malfunctioning installed and financed solar system. Because of high utility energy bills. I learned from my call to XXXX that the system was not performing with promised performance production. I asked that a Performance Audit and Technician to be sent to my home from both XXXX XXXX XXXX XXXX and Service Finance Company LLC because of their Leasing solar equipment. Which I learned that I was a Leasing site from XXXX. Under the " FTC Holder Rule, '' as XXXX has been unresponsive to address my problem, I am reporting Service Finance for fraud of a $ XXXX loan for a malfunctioning solar system. I am presently paying a high utility energy bill and financing payments for a system not performing. XXXX XXXX contract hides behind an " unconscionable '' clause of " no guarantees of production or saving. '' I have been told by XXXX manufacturer of the electrical platform for XXXX that I need more panels. XXXX contract states that they could determine the location of placement of panels on my roof and the number of panels for effective production. Since they are not responding to my request. I am invoking the FTC Holder Rule against Service Finance Company, the owner of the malfunction solar system. This system balance is XXXX with a XXXX clause that increases whenever the company enforce it. I was not told this until 90 days passed. I have had this loan for XXXX years. I have made consistent payments for a underperforming system.

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 2026-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: AL

Complaint narrative:
This complaint is a follow-up to CFPB Case # [ insert number ]. The prior response did not address my core concern. My issue is not about which loans are currently in my name, but whether I was properly informed at the time of consolidation that doing so would eliminate the death discharge protection tied to my fathers XXXX XXXX loans. Nelnet did not address whether this material consequence was disclosed. They also stated they can not provide call recordings, agent notes, or documentation showing what was explained to me, so there is no evidence of informed consent. Nelnet further claims my fathers loans were XXXX in XXXX but has not provided documentation confirming this or how it impacted the loan history. I am also requesting a clear breakdown of all loans included in my current balance, as I do not have confidence in its accuracy. I am requesting a complete and documented review addressing disclosure and the accuracy of the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Over the past two years, I have been charged {$700.00} in overdraft fees for the account ending in XXXX and {$100.00} for the account ending in XXXX. Both accounts are currently overdrawn and I am continuing to accrue fees. My account would not be overdrawn if these fees were not assessed. I've always brought balances current as soon as I could. I called to see if I could have a fee reversed on XX/XX/year> and they honored the request for one fee. The gentleman also informed me that I was able to turn this service off online to avoid fees. I never knew that this was possible. When I went in to the online portal to turn them off, there is no option to do so ( see attached screenshots ). I sent a letter on XX/XX/XXXX asking to have these fees reversed to get me back on track but I haven't heard back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc.
State: LA

Complaint narrative:
Was offered a discount for {$65.00} to pay off {$1000.00} bill. Which I paid and they took my money then still sent {$1000.00} to collection agency even though I paid the before it could be sent. Fraudulent debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
On or about XX/XX/year>, Cash App closed my account ( $ XXXX ) without prior warning. The closure occurred immediately after I attempted to send part of a {$500.00} payment I had just received from a friend as compensation for spreadsheet and contract work I performed for him. The in-app notice cited gambling as the reason for the closure. However, the transaction in question was payment for legitimate services rendered and was not related to gambling in any way. Since the closure, I have contacted Cash App support multiple times requesting a review and reinstatement of my account. On each occasion, I was told that a specialist team would investigate and respond within 30 days. Despite these assurances, I have never received a substantive response neither after my initial request nor after subsequent follow-ups. The account remains closed without a written explanation, specific reason codes, appeal determination, or any meaningful opportunity to dispute the characterization of the transaction. I am requesting the following relief from Cash App / Block , Inc. : A written final determination explaining the specific basis for the account closure, including identification of any transaction ( s ) that were flagged. Reconsideration and reinstatement of account $ XXXX, given that the triggering transaction was a legitimate payment for services rendered. If reinstatement is denied, written confirmation of that denial so that I may have a final resolution rather than continued indefinite assurances that someone will get back to you. Cash Apps failure to respond to repeated good-faith inquiries over multiple years is the central consumer-protection concern in this matter, independent of the original account closure decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NC

Complaint narrative:
FORMAL COMPLAINT : COORDINATED FRAUD AND EVIDENCE TAMPERING BY XXXX XXXX XXXX I am a XXXX XXXX XXXX XXXX XXXX XXXX North Carolina. Following a review by the XXXX ( XXXX XXXX XXXX ), I have been given the " green light '' to pursue legal action for an admitted manufacturer default. XXXX XXXX COVER-UP : Evidence Tampering : Immediatelywithin minutesof XXXX signing for the certified mail regarding comparable inventory from XXXX XXXX , the target stock numbers for XXXX XXXX XXXX XXXX units were " mysteriously '' delisted. Bad Faith : This was not a coincidence ; it was a deliberate, coordinated move by XXXX to hide available inventory and obstruct a fair replacement process after being officially served. Manufacturer Default : XXXX has already admitted to the default on my XXXX XXXX XXXX, yet they are allowing XXXX to engage in these deceptive trade practices. Economic Harassment : I am being forced to pay for a " dead asset '' while suffering a documented {$5700.00} business loss. As a State Official, I am reporting this as willful spoliation of evidence and a violation of consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am filing a complaint regarding how my unauthorized electronic fund transfer dispute was handled by Chime. On XX/XX/year>, I reported unauthorized transactions totaling {$2400.00}. I clearly stated that my card information had been compromised and used without my authorization. At no point did I state or imply that my physical card was used by another person. Chime denied my claim but mischaracterized my statement, asserting that I reported unauthorized physical card use. They based their denial on the fact that I had used my card earlier that same day. This reasoning does not address my claim of card-not-present fraud or stolen card information. Additionally, the denial notice I received does not meet the requirements of Regulation E ( 12 CFR 1005.11 ). The explanation provided was insufficient and lacked key details necessary to understand the basis of their decision. Specifically, the documentation only listed transaction dates, amounts, and the merchant name ( Polymarket Us ), but did not include : Transaction type ( e.g., online, card-not-present, point-of-sale ) Location, terminal, or IP/device information Any explanation of how the evidence reviewed supports the conclusion that the transactions were authorized Chime stated that they reviewed login history, authentication data, and device usage, yet none of this information was provided to me, nor was there any explanation of how it was linked to me. Furthermore, I was required to make repeated requests to obtain the denial documentation, which delayed my ability to respond and understand their decision. No provisional credit was issued during the investigation, despite the amount involved and the nature of the dispute. Based on these issues, I believe Chime failed to conduct a reasonable investigation and failed to provide a sufficient written explanation as required under Regulation E. I am requesting the following : A reinvestigation of my claim Full documentation used in the decision, including transaction-level details and authentication/device data A clear and detailed explanation of how Chime determined the transactions were authorized Clarification as to why no provisional credit was issued during the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Round Up Ventures, L.P.
State: TN

Complaint narrative:
I have tried to pay this loan off and close the account I have talked to them one 3 different days to try and get it closed each time was told it was going to cost more money and Id have to call back in 15 days to close it the online portal said my outstanding account balance was XXXX after I paid that amount I was told my balance due was XXXX an automatic payment of XXXX was paid then an additional XXXX was paid to close the account now Im being told I owe XXXX and will have an undetermined amount due in 15 days and the are still unable to close account

Company response to consumer: Closed with explanation