vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: TX

Complaint narrative:
In XX/XX/year>, I completed an auto purchase and financing process through a dealership, with the loan arranged through Westlake Financial Services. On XX/XX/XXXX, I completed the purchase and believed the loan was being finalized. On XX/XX/XXXX, I was instructed by the dealership to return the vehicle because I was told the financing had been denied, so I complied and returned the car. Later, on XX/XX/XXXX, I was contacted again and informed that the financing had been approved and I was provided the vehicle again. I resumed possession of the car at that time. My first loan payment was due on XX/XX/year>. I made the payment on XX/XX/year>, and it was accepted by Westlake Financial Services. After my payment was processed, the dealership contacted me again and instructed me to return the vehicle, stating that there were issues with the financing, including claims that the loan may not proceed due to a late first payment and that dealer compliance is under review. I contacted Westlake Financial Services directly and was informed that my loan is active and they have no record of communication from the dealership regarding cancellation or unwinding of the contract. Despite this, the dealership has continued to request that I return the vehicle without providing written documentation from the lender showing that the financing has been canceled or denied. I am requesting clarification of my contract status, confirmation that my loan is valid and active, and that I am not required to return the vehicle based on the dealerships statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: CA

Complaint narrative:
I am writing to formally dispute a medical debt of {$680.00} currently being collected by Revco Solutions, related to my visit on XX/XX/year> with XXXX XXXX XXXX at XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA. Please note that this clinic is now operating under the name XXXX XXXX XXXX. I initially sought consultation only regarding XXXX XXXX and did not request any procedure. During the visit, I was persuaded to undergo a XXXX XXXX XXXX without being provided adequate medical or financial information. I was not informed of the nature or necessity of the procedure, the likelihood of recurrence, associated risks, post-procedure care, or that the XXXX would be sent for pathology. Importantly, I was not informed of the cost of pathology services, and I did not knowingly consent to these charges. The pathology fee alone ( {$320.00} ) was never disclosed or authorized. The lesions were not diagnosed as malignant, and the procedure was not urgent, raising concerns regarding medical necessity and potential overtreatment. After receiving the bill, I contacted the providers financial department and was explicitly told that the charges would be waived and that any billing notices were system-generated. Relying on this representation, I did not take further action at that time. Despite this, the account was later sent to collections. I dispute the validity of this debt. The charges, other than the office visit fee, were not properly authorized, were not fully disclosed, and were previously represented as waived. Referring this disputed account to collections is inappropriate and reflects unfair and misleading billing practices. As a fair resolution, I am willing to pay the office visit fee of {$140.00}. I request that all remaining charges be removed, that collection activity be stopped, and that the account be withdrawn from collections. Additionally, I request written confirmation that this account will not be reported to any credit bureau, or that any existing negative reporting be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Exto Inc.
State: GA

Complaint narrative:
On XX/XX/year>, my card was charged {$62.00} by Atlas Financial without my authorization. This was a recurring subscription charge that I did not knowingly approve or intend to continue. I contacted the merchant to request cancellation of the membership and stop further billing, and I also attempted to resolve the issue directly. I am now disputing the charge as unauthorized and requesting a refund/chargeback under Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I contacted Chace bank again yesterday. It is now the XXXX. I have not had access to my money since the XXXX everybody that I speak to is in XXXX they will not put anyone on the phone that is in the United States. They said that I have to wait for them to close out my account and then they will send me a cashiers check. I have gone without a XXXX since the XXXX I am XXXX. The only income I have is my XXXX check that went into that account. They will not give me anyone in the United States to speak to. They will not give me a date that they are mailing me out a check. They will not wire my money into my XXXX account even the money that they took out of my XXXX account without my permission they were supposed to put money in and they took it out of my other account which left it in the negative yes or no nobody is helping me. I do not have a dollar. How can this be legal? can somebody please help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing a formal complaint with the Consumer Financial Protection Bureau regarding three credit card accounts that has been placed into collections, which I believe stems from misleading and deceptive advertising and marketing practices by the credit card company. At the time I applied for and opened these accounts, I relied on the representations made in the companys advertising and promotional materials. These materials led me to believe that the terms of the accounts- including interest rates, fees, and/or promotional offers would be more favorable and transparent than what I ultimately experienced. The disclosures provided were unclear, incomplete, or presented in a way that was misleading. As a result of these misrepresentations, I was not fully informed of the true cost and conditions of the accounts. This directly contributed to unexpected charges, increased balances, and financial hardship, ultimately leading to the accounts being placed in collections. I believe these actions may constitute violations of federal consumer protection laws, including the Truth in Lending Act ( TILA ), which requires clear and accurate disclosure of credit terms, as well as prohibitions against unfair, deceptive, or abusive acts or practices. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action. Specifically, I am seeking : A full review of the credit card companies advertising and disclosure practices related to my accounts. Verification of accuracy and legality of the charges and fees applied. Removal of any negative reporting related to these accounts if it is found to be the result of misleading practices. Appropriate relief to address the financial harm caused. This situation has negatively impacted my credit profile and financial stability. I am requesting a fair resolution and accountability for the practices that led to this issue. Please keep me informed of the status of this complaint and provide written confirmation of any findings or actions taken. XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Stellantis Financial Services US Corp.
State: CA

Complaint narrative:
First Investors is still reporting my vehicle loan open and with a balance. First Investors has violated the law : Under California law, the lender has to send you the following notices after repossessing your car : a notice about the seizure ( Cal. Bus. & Prof. Code XXXX ( XXXX ) ) an inventory of your personal effects ( Cal. Bus. & Prof. Code XXXX ( XXXX ) ), and a notice of intent to sell, which includes information about your right to get the vehicle back through reinstatement or redemption ( Cal. Civ. Code XXXX ( XXXX ) ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Between approximately XX/XX/year> and XX/XX/year>, I made multiple payments from my XXXX XXXX account to my Capital One credit card account. On several occasions, payments were initiated from my XXXX XXXX account and appeared to process successfully. The funds were deducted from my XXXX XXXX account, but the corresponding payments were not credited to my Capital One account balance. This issue occurred repeatedly over a period of several weeks. During this time, my Capital One balance did not reflect payments that had already been withdrawn from my XXXX XXXX account. Eventually, XXXX XXXX identified irregularities involving payments that were intended for Capital One. Some payments were reversed or flagged, but multiple payments totaling approximately * * {$5400.00} * * remain unaccounted for and were not properly credited to my Capital One account. Because these payments were not credited correctly, my Capital One account balance increased and negative information was reported against my credit. I believe this reporting is inaccurate because payments were made but not properly applied. * * Actions Taken * * * I reviewed my XXXX XXXX and Capital One statements to identify the missing payments. * I notified Capital One in writing and requested a management-level investigation and a full accounting of all payments transmitted from XXXX XXXX XXXX Capital One. * I requested written confirmation of where each disputed payment was routed. * Capital One responded by directing me to general customer service channels, but the issue remains unresolved. * * Requested Resolution * * I am requesting : 1. A full investigation of all payments transmitted from XXXX XXXX to Capital One during the relevant period 2. A detailed accounting showing where each payment was routed 3. Correction of any inaccurate balances 4. Removal of any negative credit reporting related to payments that were made but not properly credited 5. Refund of all missing payments totaling approximately * * {$5400.00} * *

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants Adjustment Service, Inc.
State: LA

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

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 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am submitting a complaint regarding a late payment reported by Bank of America for XX/XX/year> on my credit card account ending in XXXX. This late payment does not accurately reflect my payment behavior. I maintain a strong history of on-time payments, and this account is not one I actively use - this transaction was made by mistake selecting the incorrect card on XXXX XXXX. I did not receive any email notification, alert, or call indicating that a payment was due or had been missed. I only became aware of the issue after receiving a XXXX XXXX alert indicating that my credit score had dropped due to this late payment. Upon discovery, I immediately brought the account current. I contacted Bank of America customer service to resolve this matter ; however, I was advised that no assistance could be provided and my concerns were not reviewed beyond confirming the late status. They have no dispute email, webpage and you are forced to only talk to live agents or an AI bot online - agents werent helpful. Given the lack of notification and my otherwise strong payment history, I believe this reporting is unfair and does not reflect my creditworthiness. I request that Bank of America conduct a thorough review of their notification and communication records and consider removing the late payment as a goodwill adjustment.

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 2026-04-23 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: LA

Complaint narrative:
This CFPB complaint is also a formal request for debt validation to Jefferson Capital Systems under the Fair Debt Collection Practices Act ( FDCPA ) and a dispute of the accuracy and completeness of the account under the Fair Credit Reporting Act ( FCRA ). My attached letter outlines the documents required to lawfully validate the alleged debt, including the original signed agreement, proof of ownership or assignment, the purchase or transfer agreement, and a complete accounting of the balance. To assess the legal standing and enforceability of this debt, I have also requested the following : The Date of First Delinquency ( DOFD ), as recorded by the original creditor and used to determine default and charge-off status. The date the account was charged off. The date the account was acquired or assigned to Jefferson Capital Systems, along with any documentation confirming the nature of the transfer. This submission is being made through the CFPB portal to ensure the request is properly documented, delivered, and subject to regulatory oversight. Please ensure that all items outlined in the attached letter are addressed in full including the full set of 10 FDCPA and FCRA validation and verification requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: OK

Complaint narrative:
Formal Complaint Draft To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint against Chime Financial , Inc. and XXXX XXXX XXXXIssue : Delayed Processing of Federal Government Pay Files Statement of Facts : " I am filing this complaint due to a recurring and systematic failure by Chime and its partner, XXXX XXXX, to process and credit federal government pay files in a timely and consistent manner. Despite advertising 'early ' or 'on-time ' deposits, these institutions have demonstrated a pattern of withholding access to my funds even after the government has released the pay file. On XX/XX/year>, I attempted to contact the XXXX XXXX ACH Department at multiple email addresses regarding a pending government deposit that has not been acknowledged or processed. I received zero response. This lack of transparency and reliability has caused significant financial distress, specifically interfering with a vehicle purchase and the timely payment of essential bills. Desired Resolution : I am requesting that Chime and XXXX XXXX : Immediately credit all pending funds from the government pay file to my account. Provide a detailed explanation for the processing delay. Be held accountable for their failure to provide the banking services they advertise, particularly regarding the handling of protected government benefits/pay. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Complaints Department XXXX XXXX XXXX XXXX XXXX, OR XXXX Re : Milestone Credit Card Account XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding unauthorized charges on my account totaling {$350.00}, incurred between XX/XX/XXXX and XX/XX/XXXX. These charges include " Annual Fees, '' " Credit Protection Fees, '' and " Monthly Fees. '' I never agreed to, signed up for, or authorized any of these fees. While a supervisor previously reduced some of these costs, the remaining unauthorized charges have not been resolved. I am requesting a full credit of {$350.00} to my account immediately. Moving forward, please ensure all such fees stop accruing, as the only charges I have authorized are the standard monthly finance charges. I have enclosed copies of my statements highlighting these unauthorized transactions by mail since the website is llimiting in space of what to upload and is will create confusion by separating them Please contact me at my cell phone number to resolve this matter. If these charges are not credited to my account promptly, I will proceed with filing formal electronic complaints with the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX I look forward to a professional and timely resolution to this matter. Respectfully, XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a credit card with Bank of America on XX/XX/XXXX. A {$95.00} annual fee was charged at opening, and my first payment due date was XX/XX/XXXX. On XX/XX/XXXX, I made a purchase of {$9600.00}, and on XX/XX/XXXX, a purchase of {$300.00}. I understand now that I missed the minimum payment due on XX/XX/XXXX, which resulted in a late fee and interest charges. I paid {$10000.00} on XX/XX/XXXX ( processed XX/XX/XXXX ), which I believed fully paid off my balance. However, I was not aware that residual interest would continue to accrue after the payment processed. Because of this, additional interest charges were posted ( including {$40.00} on XX/XX/XXXX and {$58.00} on XX/XX/XXXX ), and a small remaining balance carried over without my knowledge. I also did not receive or was not aware of statements clearly reflecting this remaining balance, and I was not aware of any outstanding amount until recently. I only became aware of the issue when I was informed that my credit limit was being reduced to {$500.00}. This led to multiple billing cycles with a small unpaid balance and ultimately a reported delinquency. I have contacted Bank of America multiple times requesting a goodwill adjustment, explaining that this was a one-time mistake and the impact it has had on my credit. However, I was told there was nothing they could do and no further assistance was offered. This situation was not due to an inability or unwillingness to pay. I made a large payment in good faith to fully satisfy the account, but did not understand how residual interest works after losing the grace period. I am requesting a goodwill adjustment to remove the late payment/delinquency from my credit report, as this was a one-time issue caused by misunderstanding, not a pattern of missed payments.

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