vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: FL

Complaint narrative:
AS I'm on my XXXX payment for a refinance of this loan i need to move the pay date out a little farther in the month at first they wouldn't even allow this and after i requested to talk to a supervisor and stating this wasn't acceptable for me they agreed to let me pay later in the month but now want me to accept a balloon payment at the end of the loan for changing my date. i never had any company do this and to me i think it's not fair here is the conversation between us through e-mails Westlake Financial Dear XXXX, Thank you for letting me know youre leaning toward the XXXX of each month. 

DISCLAIMER : Given the payment history of your account with Westlake Financial, we are able to offer you a Due Date Change of your payment due date from the XXXX of the month to the XXXX of the month. This should allow you to make your payment closer to the payment date and thereby avoid any late fees or related costs and charges. However, you should also understand that such a change will result in the assessment of additional interest each month and there will be a balloon payment due at the end of your scheduled account term. Do you understand and agree to proceed? 

Important Note : Because you are enrolled in automatic payments, we will need to cancel your current autopay setup to prevent a withdrawal on the old date. After the due date change is completed, please re-enroll in autopay for the XXXX through your XXXX portal or by calling us. 

Please reply YES if you agree to proceed with changing your due date to the XXXX, or NO if you decide not to make this change. 

If you prefer a different date within the available range ( XXXX ), just let me know which date youd like and I can send the same disclosure for that day instead. 

Im here to helpjust reply with your decision or any questions. 

Best regards, XXXX XXXX XXXX XXXX Westlake Financial Services XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX Re : Payment Assistance Inbox AI Overview XXXX requested to move his payment date from the XXXX to the end of the month due to XXXX income timing. 
XXXX initially denied the request but later confirmed eligibility for a date change between the XXXX and XXXX. 
Westlake offered to move the date to the XXXX, requiring XXXX to agree to added interest and re-enroll in autopay. 
XXXX is considering the XXXX but needs to check against other bills before confirming agreement to the terms. 

By XXXX ; there may be mistakes. Learn more XXXX XX/XX/year>, XXXX Thank you for contacting us. Below is your original inquiry for reference : XXXX XXXX : i need to move my payment date to the end of the month not on the XXXX XXXX XXXX XXXX XX/XX/year>, XXXX i'm not sure on this i'm thinking the XXXX but let me see i have other bills going out then to

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Since opening my Truist account, XXXX months ago there have been several issues : XXXX. Can not dispute a charge online ( can dispute through the mobile app, but sometimes crashes halfway through the dispute ). I have complained about this numerous times. Some agents say they have filled out a Customer Feedback Form to improve their services. 6 months is enough time to correct " not being able to file a dispute online in any browser. '' XXXX. Credits to the account appear briefly, ( i.e. XXXX day ) then disappear. They no longer show as pending. I was told the credits are processing on the backend. 
They used to show up as pending until they were processed, so why not now? 
Credits were also processed before debits to the account, but I am not seeing that as the case currently with this bank. Debits stay pending until they are processed, so why not the credits? This does not present a clear accounting picture. 

XXXX. Credits ( i.e. refunds ) from an old card are not processed through to the bank ( i.e. cards that have expired ). I purchased XXXX items from XXXX that were returned to the merchant on XX/XX/26. Both merchants refunded my money promptly, but the old card ending in XXXX rejected the items and instead the merchants gave me a store credit which I did not want. The merchants would not process the refunds through my new card, only the original payment method. When I called to get the amounts credited to my account, the bank could not see the charges on the XXXX card, so I was told I needed to dispute the charges. After an hour on the phone, I got the {$120.00} credited back on XX/XX/26. The {$270.00} from XXXX needs to be credited back to my account immediately also because this was a refund. I am not waiting 90 days for an investigation on the account for a disputed transaction when this credit should have gone through seemlessly.

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 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV FUNDING LLC To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. 

Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : Copy of the original signed contract or agreement bearing my signature ; A full chain of title including all assignments and transfers of the alleged debt ; A bill of sale or purchase agreement proving legal ownership of the debt ; Proof of licensing to collect debt in my state ; Surety bond information A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to credit bureaus is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of inaccurate and incomplete information. 

Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : 15 U.S.C. 1692e- False or misleading representations 15 U.S.C. 1692f- Unfair practices 15 U.S.C. 1692g- Failure to validate debt If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within 15 calendar days. I will proceed with legal action against your agency under 15 U.S.C. 1681n and 1692k, including but not limited to statutory damages, punitive damages, legal fees, and costs. 

This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and pursue civil litigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Company present a deceptive form in credit XXXX name as the owners of the account which is violating FDPCA 15 USC 1641 ( f ) Company has no authority To collect if they are not a Original party on the Contract and keeps reporting on My credit as if they are the owners of the account Because the debt remains unsubstantiated and unverifiable, it is a direct violation of the Fair Credit Reporting Act ( FRA ), 15 U.S.C. 1681e ( b ), for you to continue reporting this information. The bureaus have a legal obligation to maintain maximum possible accuracy, and knowingly reporting unverifiable information places you at risk of noncompliance. 
" A credit reporting agency must do more than merely parrot information received from a furnisher ; it has an obligation to investigate. '' - Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) This is your formal notice. If this unverifiable account continues to appear on my credit report, you will be willfully violating your legal obligations under the FCRA, and I will be forced to pursue all available legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
On XX/XX/scrub>XXXX/2026, I paid the full balance of a telecommunications debt originally from XXXX that had been placed with Sunrise Credit Services. The account was paid in full. 

Since the payment, I have requested multiple times an official Paid in Full letter confirming a {$0.00} balance and written confirmation that the account has been fully satisfied. Despite several email requests and follow-ups, Sunrise Credit Services has failed to provide the required documentation. 

This delay is negatively impacting my mortgage/HELOC process because I need written proof that the debt has been paid. I am requesting that Sunrise Credit Services immediately provide an official Paid in Full letter confirming a {$0.00} balance and that the account is closed and satisfied.

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 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
Credence Resource Management LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Re : Request for Debt Validation To Whom It May Concern : I am writing in response to your communication regarding the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act ( XXXX5 U.S.C. 1692g ), I am formally requesting validation of this alleged debt. 
I dispute this debt in its entirety and request that you provide proper validation. Specifically, please provide : The name and address of the original creditor. 


The full account number associated with the alleged debt. 


A complete itemization of the amount claimed, including principal, interest, fees, and any other charges. 


Documentation bearing my signature that demonstrates I agreed to assume this debt. 


Proof that your company is legally authorized to collect this debt in my state. 


A copy of any assignment or transfer documents showing that your agency has the legal right to collect on this account. 


During the validation period, you must cease all collection activities, including reporting this account to any credit reporting agencies, until you provide the requested documentation. If this account has already been reported to any credit bureau, including XXXX, XXXX, or XXXX, and you can not provide proper validation, I expect the account to be promptly removed. 
If you fail to provide the requested validation, please confirm in writing that this account has been closed and that no further collection activity will occur. 
This letter is not an acknowledgment of liability for this alleged debt and does not constitute a refusal to pay. I reserve all rights under federal and state law. 
I expect your response within the time frame required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates ( PRA ) is attempting to collect and report a Capital One account that I can not confirm is mine because PRA has repeatedly refused to provide any verification or documentation after multiple written requests. Without validation, I can not determine whether the debt belongs to me, yet PRA continues furnishing derogatory information to XXXX. 

The account was originally charged off by XXXX XXXX around XXXX, but PRA is furnishing completely different dates. XXXX  shows a Date Opened of XX/XX/XXXX, which is impossible for a debt that predates XXXX  involvement by several years. They are also reporting a purge date in XXXX, which only aligns with re-aging, not the original delinquency timeline. 

PRA is additionally reporting an inaccurate monthly payment history grid ( multiple C codes ) for late XXXX, XXXX, and XXXX. Collection agencies are not permitted to furnish monthly payment data because it falsely represents an active account rather than a collection. XXXX  is also displaying Invalid Date entries in the dispute comments section, indicating PRA furnished incomplete or improper data. 

I have disputed this item with the bureaus approximately XXXX times and have submitted multiple written requests directly to PRA asking for a Method of Verification, chain of title, and any documentation showing the origin, amount, and date of first delinquency. PRA has refused to provide any verification and continues verifying the account to XXXX without sending me proof.

Despite my requests, PRA updated the balance and reporting dates during this period. Furnishing new derogatory information while refusing validation is misleading and prevents me from determining whether the account belongs to me.

Because PRA refuses to produce verification and is reporting contradictory, incomplete, and inaccurate information, I can not confirm that this debt is mine. Their reporting has negatively impacted my credit and my ability to obtain financing. 

I am requesting regulatory review of XXXX  conduct and removal of the tradeline from all consumer reporting agencies due to failure to validate the account and furnishing inaccurate, misleading, and unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
EASTERN ACCOUNT SYSTEM To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to XXXX U.S.C. XXXX of the Fair Debt Collection Practices Act ( FDCPA ) and XXXX U.S.C. XXXX of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. 

Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : Copy of the original signed contract or agreement bearing my signature ; A full chain of title including all assignments and transfers of the alleged debt ; A bill of sale or purchase agreement proving legal ownership of the debt ; Proof of licensing to collect debt in my state ; XXXX XXXX XXXX A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to credit bureaus is a violation of XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) and constitutes the furnishing of inaccurate and incomplete information. 

Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : XXXX U.S.C. XXXX False or misleading representations XXXX U.S.C. XXXX Unfair practices XXXX U.S.C. XXXX Failure to validate debt If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within XXXX calendar days. I will proceed with legal action against your agency under XXXX U.S.C. XXXX and XXXX, including but not limited to statutory damages, punitive damages, legal fees, and costs. 

This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and pursue civil litigation. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: PR

Complaint narrative:
I am a XXXX veteran with an upcoming VA check of XXXX, I currently have XXXX of my Navy federal checking accounts overdrafted by XXXX and I already told them since Feburary XXXX that I was on a very delicate financial situation and that I wanted to payment plan to pay it off but they've denied me in different ocasions, so all the money my family has been sending to me, theyve take it as set off, I call them todayXX/XX/2026 and said that once my VA check comes ( which is protected funds by XXXX ) theyll take the rest, which is half my check, and I told them I will report them to the VA for being fraudent. 
It is not the XXXX timr they take funds from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
Late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX SS # XXXX Re : Credit Code XXXX Notice of Dispute and Request for Validation To Whom It May Concern : This letter serves as formal notice that I dispute the validity of the alleged debt referenced under my name and partial SSN listed above. 

Pursuant to my rights under the Fair Debt Collection Practices Act, including XXXX U.S.C. XXXX, and other applicable federal and state laws, I am requesting full validation of this debt. 

Under Credit Code XXXX, please provide the following : XXXX. The name and address of the original creditor. 
XXXX. The original account number. 
XXXX. A complete itemization of the alleged balance, including principal, interest, fees, and charges. 
XXXX. Copies of any signed contract or agreement bearing my signature. 
XXXX. Documentation showing that you are legally authorized to collect on this account. 
XXXX. Proof that the debt is within the applicable statute of limitations. 
XXXX. A copy of any judgment, if applicable. 

Until proper validation is provided, you are to cease all collection activity and reporting of this account to any credit reporting agencies. If this account is currently being reported, it must be marked as disputed. 

If you can not provide the requested documentation, you must immediately delete this account from all credit reporting agencies and cease collection efforts. 

I request all future communication be made in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: NY

Complaint narrative:
My on-line access to my account information can not be unlocked by Us Bank XXXX I need to connect to XXXX least a XXXX file of my transactions so I can sort personal from business charges for my XXXX taxes. 

I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and more .. Each time I finally get through to their on-line support who ask me to go through the same steps to resolve the lock out and after about an hour they can't get me in and I run out of time to work on this. 

They are friendly, but they all ask me to take the same steps after I already told them how many times I've taken those same steps. 

Twice they say they will open an XXXX Case which no XXXX  person ever truly works on. I got XXXX XXXX  email response and their genius response was to ask me to try updated my username and password, which is what they all ask me to and I have tried at least XXXX times already. But I try again thinking they must have repaired the system on their end and I get the exact same LockOut problem. So I email a reply that yes I tried this and it is still not working. After no further XXXX  communications I called again and a new XXXX  Case filled but I never got a further XXXX  communication. 


I am so very frustrated!!! On later calls I told them how many times I've tried and they could not help. I asked if there were notes on their system from my previous calls, which there were. On my last call I told them I was recording the call, which I did. I recorded for XXXX minutes while they painfully step by step walked me again through the same process and again it does not work and they can't figure out why. I told them I was going to file with your agency if not resolved after that last try. Still after weeks nothing from them. 

I plan to stop using this credit card but I feel like if I'm having this issue many others must be too.. I even asked for my transactions from XXXX to be printed and mailed. They sent some annual report broken down into categories I can't use.

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