vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a formal complaint against Experian Information Solutions for knowingly and/or negligently reporting inaccurate, misleading, unverifiable, reinserted, and identity theft-related information on my consumer credit file in violation of the Fair Credit Reporting Act ( " FCRA '' ). Experian continues reporting multiple inaccurate accounts despite federal obligations requiring maximum possible accuracy and lawful reinvestigation procedures. The disputed accounts include : XXXX XXXX - Account Number : XXXX * XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX These accounts contain materially inaccurate reporting regarding balances, dates, creditor classifications, reinsertion activity, and fraudulent identity theft-related information. XXXX XXXX XXXX was previously deleted and later unlawfully reinserted without proper notice as required under 15 U.S.C. 1681 ( a ) ( 5 ) ( B ). I previously requested contracts, verification documents, and supporting evidence, but Experian failed to provide competent documentation. The XXXX / XXXX XXXX account is identity theft-related. I have no knowledge of this account and never authorized any account associated with XXXX XXXX. Under 15 U.S.C. 1681e ( b ), 16811, 1681 ( a ) ( 5 ) ( B ), and 1681c-2, Experian is required to maintain maximum possible accuracy, conduct lawful reinvestigations, provide reinsertion notices, and block identity theft-related information. Despite these obligations, Experian continues reporting inaccurate and damaging information that is harming my consumer reputation, credit standing, and financial opportunities. 1 am requesting immediate deletion of all disputed accounts and regulatory intervention to ensure Experian fully complies with all federal consumer protection laws. Submitted by : FTC Report XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Texas 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 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NY

Complaint narrative:
I am filing a complaint against KeyBank regarding my frozen bank account and the mishandling of my fraud investigation documents. My account was frozen due to suspected fraud activity. I fully cooperated with the bank and completed a sworn affidavit at the branch as requested. However, I later learned that the branch failed to send the affidavit to the fraud department, which delayed the investigation and resolution of my case. Despite multiple follow-ups, my account remains frozen, and I have not been provided with a clear explanation, timeline, or meaningful updates. I have repeatedly contacted the branch and customer service seeking assistance. This situation has caused significant financial hardship because I have been unable to access my funds. I am concerned that the bank failed to properly process important documentation related to my case and failed to communicate appropriately regarding the status of my account. I am requesting : * Immediate review of my account status * Confirmation that all fraud documents have been submitted properly * A written explanation regarding the freeze * Timely resolution of the investigation * Release of my funds if no legal basis exists to continue restricting my account I would also like the bank to explain why the affidavit was not forwarded promptly and what corrective actions are being taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I am filing a formal complaint against Westlake Financial for deceptive practices, failure to maintain an adequate consumer dispute infrastructure, and apparent collusion with predatory dealership behavior ( " tied selling '' / payment packing ). I purchased/financed a vehicle where the dealership explicitly told me that a XXXX loan term was legally and structurally contingent upon my purchasing an expensive aftermarket extended warranty. The dealership stated that Westlake Financial would only approve a XXXX term without the warranty, but would grant a XXXX term if the warranty was tacked onto the loan principal. I purchased the car on XX/XX/year>. I went back to the dealership on XX/XX/year>. to complain and they changed their story claiming that a XXXX term without the warranty would have dropped the monthly payment below a mandatory " {$250.00} loan threshold. '' This is factually false. Amortizing the true financed principal of {$11000.00} at the agreed-upon 11.9 % interest rate over 60 months yields a monthly payment of exactly {$250.00}, which is clearly above their claimed threshold. When I uncovered this deception, I contacted Westlake Financial 's customer service department directly to report this dealer misconduct and to request an investigation into the fraudulent terms. The Westlake representative flatly refused to escalate my call to a supervisor, refused to route me to a fraud or compliance division, and explicitly told me, " We don't have a complaint department. '' They stated that my only remedy was to cancel the warranty, which would merely reduce the principal balance without lowering my current monthly payment obligation. By refusing to document consumer complaints regarding dealer fraud, maintaining XXXX accessible paths to a compliance supervisor, and allowing dealerships to dictate loan terms based on aftermarket product penetration, Westlake Financial is engaging in unfair, deceptive, and abusive acts and practices ( UDAAP ). I demand that Westlake Financial 's corporate compliance team review the original loan call sheet from the bank, strip out the deceptive warranty terms, rewrite the contract for the legally approved 60-month term at 11.9 % on the true base principal of {$11000.00}, and adjust my monthly payment to the mathematically correct amount of {$250.00}. The dealership is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: NV

Complaint narrative:
On or around XX/XX/2026, I discovered a XXXX XXXX credit account had been opened fraudulently using my personal information without my knowledge or authorization. The account currently shows a balance of approximately {$3200.00}. I did not apply for, authorize, or benefit from this account in any way. I disputed this fraudulent account with Experian multiple times and explained that it was the result of identity theft. However, despite my disputes, Experian continues to reinsert the account back onto my credit report. I believe the account is being reported without proper verification as required under the Fair Credit Reporting Act ( FCRA ). I also attempted several times to contact XXXX XXXX directly to resolve the issue. Each time I explained that I was a victim of identity theft, I was transferred to another department or voicemail and was unable to reach a live representative who could assist me. Because of this, I have been unable to properly investigate or resolve the fraudulent account directly with the creditor. This inaccurate reporting has caused significant stress and has negatively affected my credit profile and financial standing. I am requesting that Experian conduct a proper investigation, permanently remove this fraudulent account from my credit report, and prevent it from being reinserted unless verified according to FCRA requirements. I also request that any negative reporting associated with this fraudulent account be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am filing a complaint against Wells Fargo regarding a series of XXXX ( XXXX ) XXXX transactions totaling {$3400.00}. I was a victim of a serial imposter scam perpetrated by a fraudulent investment platform that intentionally impersonated a legitimate, registered XXXX XXXX XXXX XXXX named " XXXX XXXX XXXX ''. The fraudsters used this deception to induce me into transferring funds via XXXX under completely false pretenses over multiple days. The specific transactions from my Wells Fargo account are as follows : 1. XXXX {$250.00} 2. XXXX {$500.00} 3. XXXX {$500.00} 4. XXXX {$500.00} 5. XXXX {$1600.00} Under the XXXX network guidelines regarding imposter scams, financial institutions are required to investigate and coordinate reimbursements for victims who were deceived by scammers pretending to be legitimate businesses. I contacted Wells Fargo to report this fraud and file a dispute for these transactions, but the bank has failed to properly resolve my claims or reimburse my lost funds under these network protections. I request that Wells Fargo fully investigate the recipient account ( s ), reverse these transactions, and credit my account for the stolen amount.

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 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XXXX XXXX I notice a debit that I did not create in the amount of XXXX owed to Transworld Systems XXXX I reached out to that said company and inquired about the account. I requested files attaching me to this account and they were unable to provide me with evidence connecting me to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
CRITICAL ESCALATION REQUESTED : SEVERE HARASSMENT & HARDSHIP VIA REGULATION E VIOLATION. Today, TD Bank, N.A. front-line Supervisor XXXX and representatives XXXX verbally rejected my appeals by stating that a fraudulent theft totaling {$33000.00} constitutes my " normal expenses. '' This dismissive claim is demonstrably false, deeply abusive, and legally non-compliant under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693g, and Regulation E ( 12 CFR 1005.11 ). I have attached FTC Identity Theft Report # XXXX, certified under penalty of perjury, which establishes that my entire digital identity was hijacked following the XX/XX/year> Prosper Data Breach. The criminals used my leaked, name, and network data to execute a device-level takeover of my XXXX ID XXXX TD Bank has issued conflicting, boilerplate automated denials across four connected claims : XXXX ( {$5700.00} ) > XXXX. XXXX ( {$5800.00} ) XXXX ( {$3100.00} ) XXXX ( {$1400.00} ) ( Note : Total unauthorized funds stolen across the full systemic account compromise equal {$33000.00} ). In these letters, TD Bank claims the transactions were " in-person chip card '' charges. However, my attached actual bank statement unequivocally disproves this defense : the transactions are explicitly designated as remote mobile entries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX' ). The bank has failed to fulfill its statutory duty to conduct a " reasonable investigation '' because its investigators can not distinguish between a physical card transaction and an online XXXX XXXX clone exploit. TD Bank 's refusal to reverse these fraudulent transactions has completely emptied my checking account to a XXXX balance, forcing me into immediate financial destitution. I am unable to purchase food or cover basic housing and survival necessities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I requested complete documentation validating the reported late payments and balance/account reporting, including : Full payment history and transaction ledger Copies of signed agreements or contracts Documentation showing how the late payments were calculated and reported Proof I was contractually liable during the reported period Documentation supporting charges, fees, and account usage while I was incarcerated Method of verification used under the FCRA Any documents, recordings, IP logs, authorization records, signatures, or transactional evidence showing I authorized or benefited from the charges Documentation supporting the continued reporting of the account to the credit bureaus Discover did not provide the requested documentation. Their response did not include transaction-level proof, authorization records, investigation records, or the method of verification used to continue reporting the account and late payments. I am requesting deletion/correction of the inaccurate late payments and tradeline, removal of unsupported charges/fees, and written confirmation sent to all credit bureaus. nder FCRA furnisher rules, Discover has to conduct a reasonable investigation of disputed credit reporting, and CFPB guidance says furnishers can not rely on shallow or boilerplate dispute handling.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/year>, I purchased XXXXXXXX XXXX XXXX XXXX from food truck " XXXX XXXX ''. There were no prices displayed and upon receiving my order I was informed it was {$18.00}. The merchant did not accept cash and had a card reader attached to his phone. I paid and went back to work. At work a coworker informed me that she had purchased food from the same truck a week earlier and was fraudulently charged an incorrect amount, she recommended that I screenshot my original charge. I am grateful that I did because just a few hours later the merchant changed the amount charged. As I work at a music venue I was not able to leave work and go discuss this with the merchant, when I left work they were no longer there. When attempting to find information about this merchant I came across an online thread where others have described similar fraudulent activities from this merchant. The purchase/credit amount was posted incorrectly. The correct amount is {$18.00}. The incorrect amount is {$58.00}. I have disputed this transaction and provided evidence to Apple - Goldman Sachs four times now. They have provided no evidence as to why they have sided with the merchant while I have provided proof each time that I did not spend more than {$18.00} with this merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: PA

Complaint narrative:
I am formally disputing the accuracy, validity, and legal reporting of the above-referenced MOHELA student loan account under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). This loan should NOT be reported on my credit file for the following reasons : XXXX. The school associated with this loan permanently shut down. XXXX. I never graduated and never received the education or credential promised, they stated I graduated prior to XX/XX/XXXX, I did not. I was still enrolled in classes and was supposed to be assigned an externship site. XXXX. Because of the schools closure, this loan qualifies for Closed School Discharge / Borrower Defense to Repayment under federal student loan regulations. XXXX. Reporting this account as a valid, enforceable debt is misleading, inaccurate, and materially incomplete. XXXX. MOHELA has failed to provide proof that : I received the educational benefit The loan remains legally collectible The debt is exempt from federal discharge protections Despite these facts, this account is still being reported as open and valid, which is causing ongoing financial harm, credit damage, and denial of housing and financial opportunities for me and my children. DEMAND FOR ACTION Under the FCRA, I demand that you : Conduct a real investigation, not an automated verification Require MOHELA to provide documentary proof of legal obligation DELETE this account immediately if such proof can not be produced

Company response to consumer: Untimely response
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
On XX/XX/year>, Capital One placed my checking/savings account under review/restriction after I made a large deposit. The deposit was fully legitimate and directly related to my new employment as VP XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a publicly traded XXXX company. I immediately submitted supporting documentation, including news articles confirming my appointment to this XXXX role. Since the restriction began, I have called Capital One customer service every day. Representatives consistently state that the account is under review but they are unable to provide a status update, timeline, or escalate the matter to a supervisor or the investigations/compliance team. I have received no clear explanation of what additional information is needed or when the review will be completed. This restriction has prevented me from accessing my own funds during a period of financial transition and hardship, including obligations such as mortgage and other payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Exto Inc.
State: AR

Complaint narrative:
I am filing a complaint against Atlas regarding unfair, deceptive, and predatory cancellation and billing practices. Atlas makes it intentionally difficult to cancel memberships by refusing to provide a simple, standard " one-click '' cancellation option in their app or website, and they completely block users from disconnecting or removing personal bank accounts from the platform. When I initiated a cancellation request, instead of closing the account, Atlas sent an email requiring a response. Because I did not reply within an arbitrary, hidden time limit set by them, Atlas illegally refused to close my account, claiming the request expired. I was forced to go back into my email to demand the cancellation a second time. This is a deceptive hurdle designed to trap consumers into unwanted renewals. Furthermore, Atlas tried to double-charge my account for an additional {$89.00} membership fee, despite the fact that I had already paid my {$89.00} annual fee in full. Even during this forced XXXX day " processing window, '' Atlas used their " XXXX XXXX '' feature to automatically pull money out of my bank account, despite the fact that I explicitly revoked my authorization by requesting a cancellation. Charging a customer after they cancel and attempting to double-bill them for paid services is fraudulent and predatory. My XXXX account number XXXX I have emails to support my claim will be happy to forward it to you guys Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I am filing a complaint regarding the application of deferred interest on a Best Buy credit card account issued by Citibank. Key facts : XXXX Original purchase date : XX/XX/XXXX XXXX XXXX XXXX Original purchase amount : {$820.00} XXXX Promotional ( deferred interest ) expiration date : XX/XX/XXXXXXXX XXXX Remaining balance on expiration date : {$110.00} From the beginning of this promotion, I consistently made monthly payments intended to fully pay off the balance by the final statement cycle in XX/XX/XXXX. My payment history shows regular payments generally around {$100.00} {$120.00} per month, demonstrating a clear and consistent effort to pay off the promotional balance in full. Recent payment activity : XXXX XXXX XXXX XXXX XXXX {$88.00} * XX/XX/XXXX : {$30.00} ( same day as promotion expiration ) XXXX XXXX XXXX XXXXXX/XX/XXXX : {$110.00} ( intended to fully pay remaining balance ) This payment pattern shows that I was actively and consistently paying down the balance, and my expectationbased on standard credit card billing practiceswas that paying off the remaining balance by the XXXX statement cycle would satisfy the promotion. Citibank applied deferred interest to my account even though : XXXX I made consistent, good-faith monthly payments throughout the promotional period XXXX I had substantially reduced the balance by the promotion expiration date XXXX I paid the remaining balance shortly after, within the same billing cycle / statement period XXXX I made a payment on the same date as the promotional expiration ( XX/XX/XXXX ) The structure of the promotion and billing cycle is confusing and misleading. The promotional expiration date did not align clearly with the statement due date, and there was no clear warning that paying by the statement cycle would not avoid retroactive interest. Why this is unfair or misleading XXXX The deferred interest terms rely on a specific expiration date that is not aligned with the billing cycle or statement due date XXXX As a consumer, it is reasonable to expect that paying off the balance by the final statement would satisfy the promotion XXXX My payment behavior demonstrates clear intent and consistency to meet the obligation XXXX Citibank benefited from a technicality in timing, despite substantial compliance and timely payments This creates a situation where a customer acting in good faith can still incur significant retroactive interest due to unclear timing rules.

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