vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC
State: AL

Complaint narrative:
I am disputing the handling of my vehicle loan account, repossession, fees, and pending vehicle sale following the servicing transfer from XXXX XXXX XXXX XXXX Westlake Portfolio Management in XXXX. Prior to the servicing transfer, I maintained a long history of successful monthly payments while autopay was established on the account. My payment history reflects that I consistently made payments and did not experience the ongoing delinquency, NSF fee, or repossession issues that later occurred after the servicing transfer. The problems began after the loan servicing transferred from XXXX XXXX XXXX to Westlake Portfolio Management. I never knowingly stopped making payments and never received clear servicing transfer notice, autopay transition instructions, or other clear communication informing me that my loan servicing had transferred before the payment issues began occurring. After the transfer, the account began accumulating NSF fees, late fees, delinquency status, and repossession activity. My records reflect that funds were available around my normal payment dates, and I have requested documentation regarding the servicing transfer, autopay handling, payment processing history, reinstatement amount calculations, repossession documentation, and related account records. I also requested information explaining the amount claimed due and how the account progressed into repossession status following the transfer and payment processing issues. After discovering the repossession, I submitted written disputes directly to Westlake Portfolio Management through their customer service and dispute systems and also mailed a written dispute letter requesting review of the account before the scheduled vehicle sale date. I requested review of the servicing transfer handling, autopay/payment processing history, related fees, repossession decision, and associated account documentation. Despite these requests, I have not received meaningful clarification regarding the disputed payment handling and account history issues. I am requesting review of the servicing transfer handling, payment processing, repossession decision, related fees, and associated account documentation. I am also requesting accurate accounting of the amount claimed due and consideration of allowing me to resume my regular monthly payments beginning XX/XX/year>, consistent with the payment schedule that existed prior to the servicing transfer issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems , LLC regarding their reporting and collection of an alleged debt in the amount of {$620.00} ( Account No. XXXX ). I formally disputed this debt and submitted a written request for validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). In my request, I specifically demanded competent documentary evidence, including : A copy of the original signed agreement; A complete account history and itemization of the alleged balance ; Proof of legal ownership, including a full chain of assignment ; Documentation demonstrating that I am legally obligated for this debt. To date, Jefferson Capital Systems , LLC has failed to provide any meaningful validation or competent evidence to substantiate this alleged debt. Despite this failure, Jefferson Capital continues to report this account to consumer reporting agencies. Reporting a debt to credit bureaus constitutes collection activity. Continuing collection activity without providing validation is a direct violation of 15 U.S.C. 1692g ( b ). Additionally, furnishing information to credit reporting agencies without maintaining and providing sufficient evidence of accuracy and legal ownership may violate the Fair Credit Reporting Act ( FCRA ), including the obligation to report only ac curate and verifiable information. Jefferson Capital has failed to demonstrate : That it has legal ownership or authority to collect this alleged debt ; That the reported balance is accurate and properly calculated ; That I have any contractual or legal obligation to pay this debt. This pattern of behavior suggests reliance on incomplete or automated data without proper review or documentation, resulting in the reporting of inaccurate and unverified information that is damaging to my credit profile. Resolution Requested : Immediate deletion of this account from all consumer reporting agencies ; Immediate cessation of all collection activity ; Written confirmation that the account has been permanently deleted ; Assurance that no further collection attempts will occur unless and until proper validation is provided. If Jefferson Capital can not produce competent documentary evidence supporting the existence, ownership, and accuracy of this alleged debt, they must immediately cease reporting and delete the account. Failure to resolve this matter will leave me no choice but to pursue all available remedies under federal and state law for violations of the FDCPA and FCRA. I expect a prompt and complete resolution to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
M & T Bank closed my business checking account last year, but has still not returned my remaining balance of approximately $ XXXX have not received a closure refund check, a clear written explanation, or a timeline for when my funds will be released. It has been an unreasonable amount of time since the account was closed.

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 2026-05-28 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: CA

Complaint narrative:
I am filing a formal complaint agains Wells Fargo Bank regarding a multi-part bank/XXXX Imposter Scam totaling {$5000.00} A criminal impersonating a XXXX network and bank representative targeted me, using severe manipulation and deceptive tactics to orgchestrate three separate transactions under the false pretense of securing my funds. Wells Fargo has opened fraud claims for these incidents, and have denied paying the claims. Claim # XXXX XXXX {$500.00} Claim # XXXX XXXX {$500.00} Claim # XXXX XXXX {$4000.00} All these transactions are part of the exact same ongoing fraud event, executed on the same day. I am aware that financial institutions frequently auto-deny debit card scams under standard Electronic Fund Transfer Act ( Regulation E ) " authorized user '' loopholes. However, I am explicitly invoking the mandatory XXXX Network Reimbursement Rules established by XXXX XXXX XXXX for member banks like Wells Fargo. Under these updated network guidelines, member banks are strictly required to reimburse consumer losses resulting from qualifying imposter scams, specifically including instances where a fraudster impersonates the payment network or the bank itself. Because my actions were entirely directed by an individuals claiming to be XXXX representatives, this case falls squarely within the mandatory network consumer protection and reimbursement mandates.Wells Fargo has a regulatory obligation to properly investigate all three components of this fraud event. I request that Wells Fargo immediately link all transactions to this case, process my claims under the mandatory XXXX Imposter Scam Rules, and issue provisional credit for the full {$5000.00}.

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 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
I was scammed in getting XXXXXXXX XXXX XXXX and was told I would not pay for the equipment and my monthly payment with XXXX would start in XXXX. I signed up on XX/XX/year>, as they told me, got notice a company called XXXX will take a payment out and XXXX would take a payment out. I called both XXXX and XXXX to cancel and they both told I was locked in for XXXX years because I signed a contract. I called in on XX/XX/year>, and they said they will not cancel and I would have to pay the XXXX years of the contract. I told them both I was tricked and scammed in purchasing this security system ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), I asked them if they could send a technician to take the equipment back and they said no. I'm currently unemployed and just started a temp job and I can not afford this let alone do I want their services. I'm reaching out because, they are taking money from my bank account without my knowledge, and they are forcing me to keep a product I do not want and service I no longer want to be in. Please tell me all what you need to get out of this situation and no more money taken from me or requested. Thank you

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 2026-05-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
My account was hacked and someone added their card to my account and withdrew all the money In my account while I was in XXXX I contacted PayPal and they refuse to refund my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I requested a bill to be sent on XX/XX/XXXX to my credit card. It wasnt to be delivered in 2 business days guaranteed. On XX/XX/XXXX I was contacted by my credit card that my payment was late. I always pay off my card. I immediately checked with the bank and the payment had been deducted from my checking account but obviously had not reached the credit card. I sent an electronic payment right away to cover the delinquency. I went to the Wells Fargo branch to take care of the issue and was told to put a stop payment on the bill pay. Of course the credit card company issued late fees and interest charges so I returned to the bank to have them reimburse those fees. But after numerous phone calls and emails they kept claiming they processed the payment correctly and didnt do anything wrong and therefore wont reimburse any fees. The most recent email exchange was today XX/XX/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 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
I am submitting this formal complaint and dispute regarding a medical debt that is inaccurately billed and improperly reported due too medical coding and billing errors. Recently I received a medical bill from First Federal Credit Control for services that have been overfilled and or coded incorrectly. The account is form XX/XX/year>. I believe the billing department submitted improper medical codes and inflated charges. I have attempted to address this matter however the issue has bit been adequately corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SECURITY FINANCE CORP
State: MO

Complaint narrative:
My brother took out in my name this resolved years ago 3 years ago now that company closed and now the main part of the company 's trying to come after me when it's already been taken care of this should have been off of my record 4 years ago I don't know why it's coming back on now

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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:
FORMAL NOTICE OF FDCPA & FCRA WILLFUL NON-COMPLIANCE PURSUANT TO SUPREME COURT JURISPRUDENCE This complaint is formally lodged against LVNV Funding LLCXXXX severe data integrity violations and a failure to perform a contractually valid, human-led verification of an alleged consumer account. I. REPOSITORY DETERMINATION & DEMOGRAPHIC MISMATCH The consumer reporting registries ( specifically XXXX under Confirmation XXXX XXXX ) have thoroughly investigated and permanently expunged all fraudulent historical XXXX residential address anchors from my credit file, including XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. My exclusive, authenticated legal identity parameters reside solely at my clean residence in XXXX, IL. Because this XXXX debt buyer 's purchased file inception is fundamentally tethered to deleted, fraudulent identity markers, they do not possess a valid, uncorrupted geographic or biometric matching link to reconcile this trade line with my clean consumer profile. XXXX non-standard internal notation codes like " XXXX '' and mismatched account types across different repositories proves a total lack of structural oversight. XXXX. SUPREME COURT PRECEDENT & CIVIL LIABILITY Concrete Injury Under XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) : The Supreme Court explicitly affirmed that a consumer suffers an immediate, actionable injury under the FCRA the exact moment a furnisher publishes false or highly misleading derogatory information to XXXX XXXX Continuing to publish a collection record using corrupted historical demographic hooks directly restricts my automotive financing eligibility. Substantial Risk of Harm Under XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : Continuously broadcasting unverified collection data maliciously skews my overall utilization and credit modeling metrics, creating a real-world, ongoing financial barrier. XXXX. STATUTORY CEASE AND DESIST TELEPHONE BAN Pursuant to 15 U.S.C. 1681s-2 ( b ) and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ), I am formally notifying this entity to immediately CEASE AND DESIST all telephonic communication, automated dialer outreach, or collection agent calls to my personal phone numbers regarding this matter. All communications must be handled strictly through the written CFPB portal channel. IV. DEMAND FOR ENFORCEMENT Automated XXXX database verification is legally insufficient when the underlying geographic identity links have been destroyed by a repository fraud investigation. I demand that LVNV Funding LLC ] immediately issue a directive to XXXX, XXXX, and XXXX to permanently DELETE this non-compliant, unverified collection trade line from my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
This debt collector has engaged in unjustifiable and harmful practices prohibited under the Fair Debt Collection Practices Act. They reported and furnished an account that I never knowingly agreed to, signed for, or entered into under any lawful contract. A valid legal agreement requires participation and consent from both parties, and I did not participate in or authorize this alleged obligation. Not only has this caused damage to my credit and financial stability, but it has also created emotional stress, embarrassment, XXXX, and hardship in my daily life. Because of this account reporting, I have suffered difficulties trying to maintain housing, obtain credit, and move forward financially. I feel like my rights as a consumer have been ignored and abused. Furthermore, the collector failed to properly validate this alleged debt and did not follow the required validation procedures under the FDCPA. Despite my disputes and concerns, they continued reporting inaccurate and harmful information. According to the FDCPA, I am entitled to protection from these unlawful collection practices and may be entitled to compensation for the violations committed against me. I demand that this account be removed from my credit file immediately and that all collection activity cease unless proper legal validation can be produced.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I discovered that Synchrony Bank has been charging me a recurring monthly Payment Security fee on XXXX of my credit card accounts without my explicit consent or clear authorization. I did not knowingly enroll in this program on either account. The charges were small enough each month that I did not notice them until recently when I reviewed my transaction history. Upon reviewing past statements, I found these fees have been accumulating across both accounts over an extended period. This practice appears deceptive, as I was never clearly informed that I was being enrolled in a paid program. I am requesting cancellation of this program on both accounts and a full refund of all Payment Security fees charged. I am also calling Synchrony directly to resolve this, but I want this complaint on record given the pattern of unauthorized enrollment in add-on programs.

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 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: WA

Complaint narrative:
On or about XX/XX/2026, I obtained an installment loan from XXXX, XXXX XXXX Lendumo in the amount of {$1200.00}. After reviewing the loan agreement more carefully, I discovered that the loan carried an APR of 500 % and a total scheduled repayment amount of approximately {$5600.00}. The loan requires monthly payments of approximately {$460.00} for 12 months. I believe the cost of this loan is excessive and predatory. The loan agreement contains extensive tribal lending and sovereign immunity language stating that state law does not apply, which concerns me because I reside in Washington state. I am also concerned that the loan was issued without adequately considering my ability to reasonably afford the required payments while maintaining essential living expenses. The payment obligations from this loan, combined with another high-interest tribal installment loan, create severe financial hardship and make it difficult to afford necessities such as housing, utilities, food, and other bills. I believe the structure of this loan results in excessive finance charges and places borrowers into long-term financial distress. I am requesting review of the lenders practices, disclosures, interest rates, and compliance with applicable consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: Block, Inc.
State: GA

Complaint narrative:
I have a account with XXXX XXXX XXXX was taking out aff my account without my knowledge this happened a couple of times I XXXX to call them but they dont have a live person to talk to and I never go any of my money back so I stated locking my card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XX/XX/year> Went into a Wells Fargo branch to deposit a check in which I discovered my account was closed. I asked why and they said the computer stated the account was closed at the customers request. I never requested to closed the account I called customer service and they asked me about another Wells Fargo customer and said it was reported that I went into a Branch and caused Trouble with her whole opening an accounts because if this the bank decided to closed my all XXXX of my accounts. All of this was untrue because I had never stepped foot in a branch with the customer at all. I had know idea what they were talking about. They explained that bc if this customer business does with the bank were closed and they would be holding my money until XX/XX/XXXX and sending the money in the mail. I told them that this was impossible for me to live daily without access to my money. I thing closing the accounts is unjust bc I dont know what they are referring to as the reason why they closed it.

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