vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
My vehicle was impounded on XX/XX/year>, due to a DUI-related hold. I was informed this was a mandatory 20-day hold, meaning the vehicle was not legally releasable until approximately XX/XX/year>. However, I was later informed that Westlake Financial removed my vehicle from the impound lot on XX/XX/year>, which is prior to the expiration of the mandatory hold period. Additionally, I received a written notice dated XX/XX/year>, indicating an intent to sell the vehicle. This notice was issued before the expiration of the hold period, during which time I had no legal ability to retrieve my vehicle. After learning my vehicle had been removed, I made repeated attempts to contact Westlake Financial to determine the location of my vehicle and how to retrieve my personal belongings. Despite multiple calls, I was not provided with the vehicles location, the repossession companys information, or any instructions on how to recover my personal property. I was later informed that the vehicle had already been sold. I did not receive proper notice of repossession, meaningful opportunity to redeem the vehicle, or clear instructions on retrieving my belongings. Because I was not informed where my vehicle or personal property was located, I was unable to recover items of significant sentimental value, including irreplaceable belongings from my late grandmother. These items were ultimately discarded without my knowledge. Under U niform Commercial Code Article 9, I was entitled to proper notice and a reasonable opportunity to recover both my vehicle and my personal property. The actions taken by Westlake Financial prevented me from exercising those rights. Given these circumstances, I am formally disputing any remaining deficiency balance on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am filing this complaint against LVNV Funding LLC and Resurgent Capital Services regarding an alleged debt they are attempting to collect and report. On or around XX/XX/year>, I requested full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA 1692g ). Specifically, I requested a signed contract, complete payment history, and documentation proving legal ownership and assignment of the alleged debt. In response, the company provided only a self-generated account summary. This does not constitute proper validation under federal law. They failed to provide any competent evidence that I am legally obligated to pay this debt. Despite failing to properly validate the debt, the account continues to be reported and/or collected. This constitutes violations of : - FDCPA 1692g ( b ) failure to provide proper validation and cease collection activity - FDCPA 1692e use of false, deceptive, or misleading representations - FCRA 1681e ( b ) failure to ensure maximum possible accuracy in credit reporting Additionally, the reporting of this account appears incomplete and inconsistent, including missing critical information such as the date of first delinquency. Because the company has failed to meet its legal burden to validate this debt, I am requesting : 1. Immediate deletion of this account from all credit reporting agencies 2. Immediate cessation of all collection activity 3. Written confirmation that this matter has been resolved If this matter is not resolved, I am prepared to pursue further action for violations of federal law. I have attached documentation showing my request for validation and the inadequate response provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
What happened is me and a ex spouse of mines walked in to a XXXX some guy approached asking do we have a phone we said yes he said what kind of phones we showed him he said did we want to see other new phones they got that was similar we was hesitant but because the guy was nice and saying nobody really comes his way and he said because we was nice he want to see if we can upgrade our phones I still was hesitant but my ex said well let 's see what you have the guy showed 2 phones but I ain't like the model or the make my ex liked it but the price was crazy so I automatically said o yea nope we ok because I didn't want to spend any money nor did my ex spouse so the guy said you do not need alot of money all we need to see is your identification card to see if your a customer member here and if your card is valid for the us which is obviously any who he never not ONCE ASK ME NOR MY EX SPOUSE FOR ANY SOCIAL SECURITY CARD AT ALL I tried calling this company both times and yet I get no answer on nothing they tell me they don't see no card in my name nor anything but just a number XXXX that's the number the guy used and I'd to see if we can get the phones for lower price but he never asked for a social security number any who months is going past I'm reporting them on my credit report and there responding to them fast but they can't give me any legitimate answer on the phone to why is y'all on my credit report like a credit card like If I accepted services with y'all which I know for sure we didn't accept anything from them we both denied it because the guy say after he check our information that we eligible but the phones was still pricey so again it was a no thank you sir have a good day. This was extreme fraudulent on his end because I don't just be giving around my social but I'm pretty sure my id had something to do with it I did not accept anything no offers neither did my ex spouse so can we please make this make since and they don't answer I can never get to no one on the citi bank they keep sending me back to the same recording thing when they said hold please we will transfer you to the right party I show everything down to the calls and when y'all call both number that associate to both you see they don't even have my social when they ask for it on the phone so that's how I know for a fact that guy did something he was NOT SUPPOSED TO period.

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 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: IL

Complaint narrative:
This isn't a single person, time, place or institutional problem. This is a lack of understanding, providing the simple knowledge and needed feedback/help of : 1 ) How to use A.I. and when not to when it involves 'banking '. 2 ) When a person provides another person with 'the problem ' and then 'the solution ', how and more importantly, why is nothing being done to better the said 'problem '?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I am filing this complaint because Bank of Americas mortgage servicing failed to process my XX/XX/XXXX autopay mortgage payment on loan XXXX ( floating rate, ~ $ XXXX ). The payment was set to autopay via pre-authorized withdrawal from my XXXX XXXX brokerage account ( XXXX ) a wholly owned subsidiary of Bank of America XXXX XXXX The brokerage statements prove the failure : no Bank of America Pre-Authorized Withdrawal appears in the XXXX or XXXX statements, but the XXXX statement shows catch-up withdrawals of {$33000.00} and {$71000.00} posted on XX/XX/XXXX. At the time, my brokerage held {$500000.00} in liquid ETFs ( QQQ, SPY, GLD ) with a {$370000.00} net portfolio valuethe ~ $ XXXX mortgage payment was a fraction of available funds. My linked BofA deposit account simultaneously processed {$63000.00} ( XXXX ), {$48000.00} ( tuition ), and {$30000.00} ( bills ) without issue. The autopay failed due to an internal processing issue between BofAs own brokerage and mortgage divisions. After the failure, Bank of America sent no timely notificationno email, call, text, or app alert. The bank did eventually mail a written notice, but it did not arrive until after the payment was already more than 30 days late and the derogatory had already been reported. I had no way to know the payment hadnt been collected and would have immediately cured it had I been notified through any electronic channel. As a result, a 30-day late was reported to all three credit bureaus. A third-party mortgage lenders underwriting team has confirmed in writing that this late mark is blocking my cash-out refinance. Im being locked out of my own home equity across the entire lending marketplace because of BofAs internal failure. I am a Preferred Rewards Diamond client ( $ XXXX combined balances ), maintain a $ XXXX mortgage, and have paid $ XXXX in interest to BofA in XXXX XXXX. I previously requested correction and was refused. On XX/XX/XXXX, I sent a formal RESPA Notice of Error ( XXXX C.F.R. XXXX ) via certified mail to BofAs designated address ( P.O. Box XXXX, XXXX XXXX, CA XXXX ). Copy and receipt attached.

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 2026-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: National Credit Adjusters, LLC
State: MS

Complaint narrative:
account sunshine loans # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. if you believe you sent proper notification, please provide " certified mail '' with receipt displaying my signature. if not, please delete account # XXXX as soon as possible from my credit report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/XXXX my account was frozen I could not access or receive any of my money. I went in to 2 local US Bank branches and asked for the branch manager. They could not do anything or let me access my funds and told me to call account services number. I spoke with 3 people from the account services and they said my account is under review. They would not give me any reason for this. They said I cant access my funds or do anything until the review process is over and they said my account will be closed and I will get a cashiers check in the mail, but they would not give me a time frame as to when I will get my money. they also said they could not guarantee that I will get all of my money back either. Right now I have no money, all of it is in US Bank and I have no way to pay for food or gas. There is a total of {$48000.00} in both saving and checking account with US Bank. It is my entire life savings and I depend on getting it back to survive. I dont know what to do at this point. Please help

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 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On or about XX/XX/year>, a debt buyer began reporting an alleged debt of approximately {$830.00} on my credit report, originally from XXXX XXXX. I disputed this account and requested full validation, including the original signed agreement, complete chain of assignment, proof of ownership, and a detailed accounting of the balance. In response, the company provided only an account summary. This does not constitute proper validation of the alleged debt. Despite failing to provide adequate documentation, the company continues to report this account to the credit bureaus as accurate and verified. This is misleading and does not meet the requirements for proper validation and accurate reporting under applicable consumer protection laws. I am requesting the immediate deletion of this account from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
I contacted Ford Motor Credit to request information about hardship assistance, including possible forbearance, payment extensions, or reduced payment options due to my current financial hardship. I also asked what options were available to keep my account in good standing and avoid default or repossession. Additionally, I requested clarification regarding my account status and payment requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX in connection with an alleged debt originally from PayPal in the amount of {$320.00}. I was contacted by this company, but I have not received sufficient information to verify the validity of this debt. Specifically, I have not been provided with documentation showing the original account details, a breakdown of the amount owed, or proof that this agency is authorized to collect on behalf of the original creditor. Because I have not received adequate information, I am unable to verify whether this debt is accurate or belongs to me. I am requesting full validation of the debt, including all supporting documentation. Until such validation is provided, I dispute this debt and request that all collection efforts cease. Additionally, I request that this matter not be reported to any credit reporting agencies, or if it has already been reported, that it be marked as disputed until the matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
Dear Sir or Madam, I am writing a response to your communication regarding an alleged debt. I am requesting validation of this debt as provided for under the Fair Debt Collection Practices Act. Please provided the following : The amount of the debt, including any fees or interest. the name and address of the original creditor. Documentation showing that I agreed to this debt. Proof that your company is authorized to collect this debt. Until you provide proper validation, I request that you cease all collection activities and communication with me regarding this matter. If you can not validate this debt, please confirm in writing that the account has been closed and that no further collection action will be taken. 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 explanation
Consumer complaint received 2026-04-13 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: TX

Complaint narrative:
On XX/XX/year>, I received 3 emails from cashapp informing me that my email address had been unlinked, that another email address had been linked to my account,. and that {$400.00} was added to a pool account for school. My bank account was linked to my cashapp account and my bank account had been overdrawn {$400.00}. There was 2 transactions one in the amount of {$100.00} and another in the amount of {$300.00} I tried to log into my cashapp account and was unable to do so. I then called cashapp customer support on XX/XX/XXXX at XXXX pm. I was advised by one of their support team members to close the compromised account and to open a new one so I did as they requested. I was told by the support member that an investigation was going to take place and they would contact me via email within 10 business days which they did not contact me. I called the cashapp support number on XXXX XXXX to inquire about the investigation and I was told by XXXX that the investigation that was done into this case revealed that I authorized the charges. I then explained to the support team member that i could not have authorized those transactions if my email account was unlinked and if i couldn't log into my account, I was told that they would look more into it and they would reach out to me within 20 days via email.. I have also filed a police report with my county Sherriff office

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Global Lending Services LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/XXXX Re : Formal Dispute and Demand for Deletion of Inaccurate Credit Reporting ( FCRA 611 Notice ) To Whom It May Concern, I am writing to formally dispute the accuracy and continued reporting of a repossession appearing on my consumer credit file. This account is being reported as a repossession that was closed on XX/XX/XXXX ; however, it remains listed on my credit report despite my belief that it is either inaccurate, obsolete, or not being reported in compliance with the Fair Credit Reporting Act ( FCRA ). This letter serves as a formal request for reinvestigation under 15 U.S.C. 1681i ( FCRA 611 ). You are required by law to conduct a reasonable reinvestigation of disputed information and verify its accuracy, completeness, and current reportability. Additionally, I am requesting full method of verification, including the name, address, and telephone number of the original creditor or furnisher, along with documentation used to confirm this accounts accuracy. A mere electronic confirmation or automated response does not satisfy your legal obligations under the FCRA. If you are unable to provide competent and verifiable documentation confirming this account is 100 % accurate, complete, and legally reportable, then you are required under the FCRA to delete this item immediately from all credit reporting files maintained under my name. Please be advised that continued reporting of inaccurate, unverified, or obsolete information constitutes a violation of federal law and may result in further action through the Consumer Financial Protection Bureau ( CFPB ) and other applicable regulatory agencies. I expect this matter to be fully investigated and resolved within the statutory 30-day period. Please provide written confirmation of the results of your investigation and any corrective actions taken. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: IN

Complaint narrative:
This company continues to contact me, attempting to collect a debt that does not exist. The alleged account was originally financed through Snap Finance for car repairs completed by CarX. My account with XXXX XXXXXXXX was paid in full on XX/XX/year>, and I have written confirmation from XXXX XXXX that my balance is {$0.00}. I spoke with a Snap Finance representative who confirmed that Halsted Financial does NOT represent them and has no authority to collect on their behalf. Despite this, Halsted Financial continues to send emails claiming I owe a balance that does not match my original loan and appears to be fabricated. I sent a ceaseanddesist notice, yet they continue contacting me. Their actions appear fraudulent and predatory, and they are attempting to collect a debt that was never delinquent and has been fully paid. This company should be investigated to prevent them from misleading or exploiting consumers who may not know their rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Recovery Solutions, LLC
State: NC

Complaint narrative:
I had paid a bill received by the XXXX XXXX XXXX in full on XX/XX/XXXX. The bill was for {$35.00}. The bill was due on the XXXX, but I paid it late on the XXXX. I never received another bill until XX/XX/XXXX for new charges, and that bill showed no past due amount. On the same day, I also received a debt letter from the VA and a collections agency. The VA said I had a past due amount of {$25.00} and the collection agency said I had an amount of {$32.00}, including a {$6.00} fee. I responded to the VA using Ask VA portal and asked for itemized billing of this debt and disputed the debt. I called the collection agency that same day and disputed the debt. The collection agency letter said I had until XX/XX/XXXX to dispute the debt. After contacting the VA, they said they had cleared the debt and notified the Treasury and collections agency They refused to provide this in writing. I just received a letter from the Treasury Department saying they had deducted {$39.00} from my tax return to pay the collection agency. When I called the collection agency, they said I still owed {$.00} in addition to what the Treasury had sent them. To recap, what started out as approximately {$2.00} owed to the VA turn into almost {$40.00} in about 1.5 years. I disputed all debts in accordance with federal law, asking for proof of the debt which I never got, and still the money was deducted from my tax return withing 30 days of being notified. This is on top of the fact that the VA never notified me of an outstanding debt for 1.5 years, letting it accrue almost 2000 % in interest and fees. I feel the conduct of the VA and collection agency was in violation of federal collection laws and needs to be investigated.

Company response to consumer: Closed with explanation