vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am reporting a wrongful repossession situation caused by a payment processing error. On XX/XX/year>, I made my monthly payment through the companys app using my debit card. Shortly after, on XX/XX/year>, an additional payment was taken automatically through autopay. We contacted the company to request a refund for the duplicate payment. However, instead of correcting only the duplicate, the company refunded two payments. After noticing the error, I went back into the app to make the payment again. At that point, I was required to pay fo r XXXX, XXXX, and also a late fee in order to bring the account current. Despite making these payments as instructed, my account was still incorrectly marked as delinquent, and a repossession order was placed on my vehicle. When I contacted the company, I was not given a clear resolution. Instead, I was informed that the contract had been repurchased and reassigned back to the dealer. This issue originated while the account was still being serviced by Westlake Financial Services and was caused by their payment processing error. As a result, I am now at risk of losing my vehicle despite having made the required payments and attempting to resolve the issue. I am requesting a full investigation, correction of my account status, confirmation that no repossession activity is active, and full documentation of my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Sunset Management, Inc
State: GA

Complaint narrative:
The payday loan company sunset finance located in XXXX, Ga has contacted me and my employer multiple times. The first time they contacted my employer I called them and told them to stop and not call them again, I was then told that was only to verify employment at the company. They have since then called 2-3 more times they just called them again today XX/XX/year> at XXXX asked for me by name told my employer I received a loan and that they want to speak to me about it. They even asked my employer if I was at work and if so could she give me the phone. That is highly unprofessional and since they verified my employment 2-3 weeks ago it was no reason to call again today, and on top of that to reveal that Ive received a loan that is against the law to reveal my personal information to my employer.

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 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I'm request assistance regarding a check that was deposited into my Bank of America account on XX/XX/XXXX on behalf of my brother. At the time of deposit, the check was placed on a 10-day hold. However, on the final day of the hold, the account was unexpectedly closed. We were informed that within 30 days either a check would be mailed to us or the funds would be returned to the IRS. It has now been nearly five months, and neither of these actions has occurred. My brother has contacted the IRS multiple times and has been told that the check is still marked as cashed and that no funds have been returned to them. We have also contacted Bank of America numerous times and spoken with several representatives, but unfortunately, we continue to receive conflicting information and no clear resolution. Most recently, we were advised to contact the IRS to request a form to retrieve the funds from Bank of America. However, when my brother contacted the IRS, he was told that they have never heard of a bank holding funds for this length of time and that the bank should be able to release the funds since the check has already been processed and there is no report of fraud or error. We understand that depositing a check for someone not listed on the account may have violated bank policy, and we take responsibility for that mistake. However, we respectfully request clarification and resolution regarding the funds that have been held for an extended period without explanation.

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 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is withholding {$100.00} from my available balance following a canceled XXXX order from XX/XX/XXXX. I canceled the order on XX/XX/XXXX, but the bank claims a refund was issued on XX/XX/XXXX three days before the cancellation occurred which is mathematically impossible. My official XXXX statement ( Page 4 ) proves that this transaction never posted as a charge, yet the funds were never restored to my available balance. My running balance history shows a clear {$100.00} gap that the bank 's automated systems have failed to sync. I have contacted Bank of America via phone and social media and they continue to provide conflicting, false information. I am requesting a manual ledger audit and the immediate release of this stale authorization hold.

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 2026-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Ability Recovery Services, LLC
State: AZ

Complaint narrative:
I am submitting this complaint and my request for immediate deletion of my personal information. The company has not verified any information associated with me, yet my personal data appears to have been collected, retained, or used without proper validation or authorization. I have not been provided with any confirmation that my identity or information was appropriately verified before being processed. I have requested that my personal data be deleted, but the company has failed to confirm that this has been completed. This raises serious concerns about improper data handling practices and the companys compliance with consumer protection and privacy obligations. I am requesting that all personal information associated with me from all systems is deleted, including stored and archived data ; Cease any collection, use, or sharing of my information ; Provide written confirmation that my data has been fully deleted. I expect prompt resolution of 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 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
Im using CashApp and CashApp refuses to help even though it clearly shows someone logged in transferred money out of my savings account and sent it to someone while I was sleeping I told them it wasnt authorized by me and all they said was theyll look into it XX/XX/XXXX around XXXX I contacted CashApp and they said theyll look into it and today XX/XX/XXXX they declined the dispute and now I dont have my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I am actually having trouble with a government agency that has been harassing me since I started filing complaints at my previous place of employment for strange things I witnessed there. Since leaving, I have been XXXX, XXXX, and XXXX XXXX just about every day by this agency, the FBI. They are also bringing children to do this in NY state. If I don't leave my house people will come to my house. They are using cameras to harass me at school, etc. I submitted a FOIA request and was sent malicious files. I believe they are tampering with my financial accounts now, not investigating, tampering. To the financial part : I received an email stating that someone tried logging in to my account on the XXXX XXXX XXXX. I tried contacting XXXX ( they don't have a working phone number ) and then signing in. I noticed that I am locked out of my account. It says I need to secure my account before I can log back in. Every method that I use to try and secure my account does not work. For example, the phone verification never sends a code. There is no passkey, XXXX authentication fails, etc. I have 3 attempts, if it fails 3 times then i have to wait XXXX hours to fail again. I have tried reaching out to XXXX and have received 2 emails so far. Both emails have resolved nothing and XXXX ignores my responses. I have explained to them that I believe that there XXXX be fraudulent activity occurring and it does not phase them. I requested that they close the account, they have now frozen it supposedly but still will not let me look at the account to make sure nothing strange is going on. I do not trust any of these organizations after what I have been through and I don't think anyone else should either. No one seems to want to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 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: CITIBANK, N.A.
State: OH

Complaint narrative:
XXXX XXXX Order # XXXX placed online Sunday XX/XX/year> for 4 items totaling {$260.00}. XXXX XXXX Order # XXXX delivered on XX/XX/XXXX as shown by UPS tracking number XXXX. Unfortunately what was delivered was not my order. XXXX XXXX has shared with citi I was given a refund, however the refund was for another order as shown below. Also XXXX XXXX did not share that this was a partial shipment ( with this part incorrect ), with quantity XXXX XXXX XXXX on back order. A second order, Model Expo Order # XXXX was placed on XX/XX/year> for 6 items totaling $ XXXX XXXX XXXX Expo did not ship all of the items from Order # XXXX and issued a refund to my citi credit card for {$170.00}. I am not disputing Order # XXXX or the refund for the items not shipped. This order should not be a part of the dispute of Order # XXXX citi and the vendor are using this seperate event ( which was the fault of XXXX XXXX ) to justify not reimbursing me for the missing items of dispute order. In lieu of Order # XXXX I received the contents of order XXXX XXXX Order # XXXX for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had swapped the XXXX shipping labels for this order and mine. XXXX XXXX refused my offer to have this shipped back to them at their expense. Email from XXXX XXXX on XX/XX/year> shared that quantity 4 XXXX boat motors were being sent as part of XXXX # XXXX and this would complete the order. The quantity 4 boat motors were {$93.00} of the {$260.00} order. XXXX tracking number XXXX. Qty. 4 XXXX boat motors were received from XXXX XXXX via XXXX XXXX on Friday XX/XX/XXXX. Multiple contact attempts with XXXX XXXX have been unsucessfull for a resolution or refund.

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 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: DE

Complaint narrative:
I am disputing a collection account reported by Radius Global Solutions on behalf of XXXX XXXX XXXX. This account does not belong to me. I have never had an account with XXXX XXXX XXXX. The information associated with this account is inaccurate, including incorrect identifying information such as a phone number that is not mine. I have disputed this account multiple times with XXXX, and it has been improperly verified and remains on my credit report. I have also filed an Identity Theft Report with the FTC. Despite this, XXXX continues to report this account without providing proper verification that I am responsible for the debt. My phone number is incorrect on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX letters Radius sent to me. I am requesting that this account be removed from my credit report immediately, or that both XXXX and Radius Global Solutions provide documentation clearly proving that I am legally responsible for this account. If this can not be verified with accurate identifying information, it must be deleted. 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 non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding a Vanilla Gift Card that I purchased approximately one year ago. Without warning, the card was deactivated by the company. When I contacted customer service, I was informed that the remaining balance would be refunded to me by check. However, it has now been over a year, and I have not received any refund. The remaining balance owed to me is {$380.00}. I have made multiple attempts to resolve this issue by contacting customer service, but each time I am given the runaround and no resolution. Despite repeated assurances, no check has been issued. At this point, I am requesting immediate action to recover my funds. This situation has caused significant frustration, and I believe this delay is unreasonable and unacceptable. I respectfully request that this matter be investigated and that I receive my refund promptly. Please let me know if any additional information is needed to process this complaint. Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I would like to report that there is incorrect information on my credit report. An account appears that I do not recognize and that is definitely not mine. I kindly request that you review this matter, remove any data that does not pertain to me, and update the records regarding late payments, as they were reported in error.

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 2026-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I would like to report that there is incorrect information on my credit report. An account appears that I do not recognize and that is definitely not mine. I kindly request that you review this matter, remove any data that does not pertain to me, and update the records regarding late payments, as they were reported in error.

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 2026-04-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: SLM CORPORATION
State: NJ

Complaint narrative:
I am listed as a cosigner on a Sallie Mae private student loan. I never signed any cosigner agreement in writing. I verbally acknowledged awareness of the loan but never provided a written or electronic signature authorizing me as a cosigner. I contacted Sallie Mae twice by phone requesting proof of my signed cosigner agreement and never received any documentation. They have failed to produce any signature, contract, or electronic consent record. This account is now reporting 60 days late on my credit report, which is damaging my credit despite the fact that I have no verified legal obligation to this loan. I am requesting that Sallie Mae provide a copy of the original signed cosigner agreement. If they can not produce one, I am requesting that this account be removed from my credit report immediately. I have also submitted disputes with all three credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Re : Notice of Improper Reinsertion of Deleted Student Loan Account I am writing to dispute the reinsertion of a previously deleted account on my credit report. The account in question is a student loan originally reported under XXXX and has now reappeared under Department of educationXXXX This account was previously disputed and deleted from my credit report. Its reappearance constitutes a reinsertion under the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 5 ) ( B ) ). Under this law, a credit reporting agency may not reinsert a deleted item unless : 1. The furnisher certifies that the information is complete and accurate, and 2. I am notified in writing within 5 business days of the reinsertion. To date, I have not received any notice of reinsertion as required by law. Therefore, I am requesting the following : Immediate removal of this account from my credit report Documentation of the certification of accuracy provided by the furnisher Proof that proper reinsertion procedures were followed, including the required notification If you are unable to provide this documentation, the account must be deleted in accordance with the FCRA. Please complete your investigation and provide written confirmation of the results, along with an updated copy of my credit report. Thank you for your prompt attention to this

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 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IL

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: MI

Complaint narrative:
MY NAME : XXXX XXXX ACCOUNT EMAIL : XXXX XX/XX/year> I tried making a payment that was rejected and sent back to my bank I even provided a bank statement showing that the money was sent to first DigitaXXXX. They sent my payment back. Then First Digital restricted use of my card until a payment was made. XX/XX/year> Then XXXX charges to paypal were somehow made using my restricted card for the amounts {$100.00}, {$33.00}, {$51.00}. About a week later I submit my dispute for these charges and was issued a new card. XX/XX/year> I make a phone call to first Digital to inquire about the dispute. I am first told that the dispute was found in my favor. Then I was told that I am now liable for the charges. Which a decision was made on XX/XX/year>. I was told if I want to appeal that I need to send something in writing. I still have no idea why my dispute was denied but considering I had no ability to even use my card. I do not see why I should have to appeal anything. This is the second time ive had charges that I wasnt any party to. That were made on my account. Ive had nothing but problems with this company. Im attaching pics of the disputed charges in question and the rejected payment.

Company response to consumer: Closed with monetary relief