vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
This complaint concerns illegal re-aging and inaccurate credit reporting by Navient. 
The loan originated in XXXX and was later charged off. I did not bring this account current after default, nor did I enter into any new agreement, modification, or repayment plan in XXXX or XXXX. 
Despite this, Navient is reporting this account with a projected credit report removal date of XXXX, which implies a Date of First Delinquency ( DOFD ) in XXXX. This is factually impossible given the age and history of the account.

Under FCRA 623 ( a ) ( 5 ), the Date of First Delinquency is the first missed payment after which the account was never again brought current. Bankruptcy trustee distributions, post-charge-off servicing updates, or terms met notations do not reset or alter the DOFD.

I have requested the Date of First Delinquency from Navient, and they have refused to disclose it, while continuing to report monthly updates and a removal date inconsistent with the accounts history. This prevents verification of the lawful reporting period and constitutes illegal re-aging. 
I am requesting that Navient : Correct the Date of First Delinquency to reflect the true delinquency date, or Delete the tradeline if the correct DOFD can not be verified Continued reporting of inaccurate information is causing ongoing credit harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
To Whom It May Concern I am submitting this complaint to address ongoing issues with American Credit Acceptance ( ACA ) that have not been resolved in my prior CFPB submissions regarding my XXXX XXXX XXXX XXXX 

ACA charged off my account in XX/XX/XXXX but continues to hold the lien and title on the vehicle. This prevents the XXXX XXXX XXXX XXXXXXXX XXXX from issuing a clear title in my name, even though the account has been treated as a total loss. 

I have sent multiple formal demand letters, including XX/XX/XXXX and a second letter, along with a large set of supporting evidence, requesting the immediate electronic release of the lien, written confirmation that the lien has been released, and correction of all credit reporting inaccuracies related to this account. 

ACA has ignored all of these letters, including my cease-and-desist notices, and has never contacted me to resolve the issue, despite verbally acknowledging during prior calls that the account was on hold while disputes were ongoing. 

This ongoing refusal to act has caused significant financial harm, damage to my credit, and personal stress. I am unable to obtain a clear title, sell or refinance the vehicle, or move forward with other financial obligations. 

The fact that ACA continues to hold the lien while the account is charged off demonstrates bad-faith practices, including ignoring legal and regulatory obligations, refusing to respond to my written demands, and failing to provide proper documentation. 

I am requesting CFPB intervention to enforce immediate electronic release of the lien on my XXXX XXXX XXXX XXXX provide written confirmation that the lien has been released, correct all credit reporting inaccuracies related to this account, and hold ACA accountable for bad-faith practices and failure to respond to cease-and-desist notices and other formal communications. 

All prior complaints are on file. This submission specifically addresses new and unresolved issues that have arisen since the prior submissions, including ACAs charge-off of the account in XX/XX/XXXX, continued lien and title retention despite verbal acknowledgment of dispute hold, complete disregard for formal demand letters and cease-and-desist communications, and ongoing credit reporting errors. 

I appreciate your review and attention to this matter and respectfully request that the CFPB intervene to ensure ACA complies with federal consumer protection laws and resolves these ongoing issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I am submitting this complaint regarding Westlake Financials refusal to accept payment and the subsequent repossession of my vehicle, which resulted in the loss of my transportation, my {$9000.00} down payment, and my employment. 

My XXXX  XXXX XXXX was financed through Westlake Financial. My {$9000.00} down payment was transferred from a prior vehicle transaction. I attempted to make my first payment, but Westlake Financial refused to accept the payment and instructed me to contact the dealership ( XXXXXXXX XXXX XXXX XXXX  ). I followed that instruction and contacted the dealership. 

Despite my good-faith attempt to make payment and compliance with Westlakes direction, the vehicle was repossessed shortly thereafter. 

I was only granted access to Westlakes payment application after repossession, at which time it showed XXXX payments due, even though the vehicle had already been repossessed. 

Additionally, XXXX submitted paperwork to Westlake listing my XXXX XXXX as a trade-in. I did not own the XXXX at the time this paperwork was submitted. I had defaulted on the XXXX loan with XXXX XXXX and was not offered reinstatement. I did not authorize XXXX to use the XXXX as a trade-in. 

XXXX is currently advertising the repossessed XXXX  XXXX XXXX for sale on their website. The listing appeared before the date stated in the notice they sent me regarding their intent to privately sell the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: AZ

Complaint narrative:
Subject : URGENT : Systemic FCRA/FDCPA Violations & Willful Deceptive Practices I am filing this formal complaint against The Bureaus, Inc. for a pattern of willful non-compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

Violation 1 : Fraudulent Misrepresentation of Creditor Identity ( 15 U.S.C. 1681s-2 ) The furnisher is willfully reporting false data by listing themselves as the " Original Creditor '' on my credit file ( see attached evidence ). This is a factually false statement. The Bureaus , Inc. is a third-party debt buyer. I never executed a contract with this entity. By masquerading as the originator, the furnisher is corrupting the data lineage and misleading scoring models to treat this junk debt as a primary financial obligation. This is a deceptive trade practice under the FDCPA intended to confuse the consumer and the credit bureaus. 

Violation 2 : Predatory " Re-Aging '' of Debt ( 15 U.S.C. 1681c ) The furnisher has manipulated the " Date Opened '' field to show a recent date. This debt originates from a legacy account that is years old. Resetting the clock is a predatory tactic known as " Re-Aging, '' designed to bypass the 7-year reporting statute of limitations and inflict fresh, malicious damage on my creditworthiness. This is a direct violation of the FCRA 's obsolescence standards.

Regulatory Demand : This is not a clerical error ; it is a systemic failure of the furnisher 's compliance protocols. The furnisher is knowingly verifying false information to maintain leverage. I demand this compromised trade line be deleted immediately with prejudice. Furthermore, I request the CFPB flag this entity for a data integrity audit regarding their portfolio-wide reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: IL

Complaint narrative:
XXXX  has held my funds for over XXXX  months without providing any resolution despite repeated verification and support tickets. 
This is causing financial harm. I request regulator intervention to force release of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX RE : Fraudulent Wire Transfer Account ending in XXXX Amount {$2000.00} XX/XX/XXXX CFPB Department, My mother passed away XX/XX/XXXX. She didnt want my stepfather driving alone to XXXXXXXX XXXX XXXX  XXXX so she asked me her XXXX son on XXXX to accompany him. I did. 
On XX/XX/XXXX, while still in XXXX, I called the airline for a ticket home. The moment I hung up, I received a Bank of America fraud text about a {$500.00} XXXX charge. I replied N. Seconds later a XXXX woman called, caller ID showing Bank of America, and terrified me into performing my very first wire transfer ever {$2000.00} ( my entire rent ) to a JPMorgan Chase account. She claimed I was reversing a wire transfer to some woman I didn't know or authorize. She walked me through the whole process step by step. I had never done a wire transfer before.she had all my info including routing number, address, she called my cell number! 
The second I hung up with her, I checked my Bank of America app and saw the wire transfer already pending. 
I immediately drove XXXX minutes to the nearest Bank of America branch, walked in, showed the teller and then the branch manager the fraudulent text on my phone, and begged them to stop it. They confirmed it was a known scam, called the wire transfer department together with me standing there, and were told it cant be stopped until tomorrow. By the next morning the money was gone forever. 
Bank of America had actual, in-person confirmation of the scam the same day with my phone in their hand and still refused to stop the transfer or reimburse me. My step father was present also. More than XXXX months later I am still out {$2000.00} plus your boa wire fee of {$40.00} and now face eviction. 
I demand immediate reimbursement of the full {$2000.00} under Regulation E. Bank of America branch confirmed the fraud in real time and still allowed the money to leave. 
Bank of America claims cyber wire transfer account ending XXXX ( my acct ) claim number XXXX recipient account number XXXX recipient Bank routing XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX This is all the information that Bank of America gave me regarding the scam. 
Second claim number was XXXX XXXX. They declined me a second time Contact me immediately at XXXX. 

Sincerely, XXXX XXXX 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 2026-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: NH

Complaint narrative:
I am filing a formal complaint regarding an improper vehicle repossession involving Santander XXXX  USA. The repossession occurred in XXXX XXXX and involved a breach of the peace, including failure to identify, escalation at my home with kids present, police response, and physical contact by the repossession company. I asked them to stop several times they did not identify until after being pushed and after I jumped in the back seat to get in the driver seat to then move the car. I then tried to contact Santander and they said if you do that Ill call police and youll be arrested! This is all on my security camera outside! 

Details On XX/XX/year>, at XXXX roughly my vehicle was repossessed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX individuals arrived in a XXXX truck with no visible company markings. When I came outside and immediately asked who they were and what they were doing, they did not identify themselves as repossession agents. One of the individuals was at/inside my vehicle while the door was open and appeared to be going through my belongings. 

Because they would not identify themselves, and due to ongoing break-ins in my area, I believed unknown individuals were attempting to steal my vehicle or property. The situation escalated in my front yard, and police were called and responded. The incident is captured on my home security camera footage. During the incident, the repossession agent and/or the individual assisting him put hands on me/ physically pushed me, which further escalated the situation. 

Only after the escalation did they finally state they were there to repossess the vehicle, and they attempted to blame me for alleged damage, which I dispute. 

Under UCC 9-609 ( as adopted in XXXX XXXX XXXX XXXX repossession without a court order is only permitted if it can be done without a breach of the peace. Because this repossession involved escalation, police response, and physical contact, I am disputing it as improper. 

Additionally, I have been disputing the loan for an extended period literally 45 days after buying the car because the amount financed was higher than what I agreed to at purchase, including a warranty/add-on that I did not approve. 



Supporting evidence Home security camera footage of the incident Police response / incident report number : [ add if available ] Call logs and written communications with Santander I have sent several complaints to Santander and they continue to ignore me in fact I called them the very same day this all occurred. This is unacceptable. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: RI

Complaint narrative:
Ally bank had a promotion where you receive a {$300.00} bonus when signing up by XXXX XX/XX/2025 and making qualified direct deposits totaling {$1000.00} per month for XXXX consecutive months. I signed up on XXXX XX/XX/2025 and made XXXX {$500.00} deposits per month for over XXXX  months now. I never received my {$300.00} bonus. Since opening my account, I contacted customer service twice about the status of my bonus. They've confirmed that I met the qualifications but that I need to keep waiting. However, I still never received anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This CFPB complaint serves as a FINAL FORMAL DEMAND pursuant to the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681b, 1681c-2 ( FCRA 605B ), and 1681e ( b ).

I am demanding that you IMMEDIATELY REMOVE AND BLOCK all unauthorized hard inquiries appearing on my consumer credit report that were generated as a direct result of identity theft and fraud. These inquiries were not authorized by me, were made without permissible purpose, and are therefore unlawful under FCRA 604 ( 15 U.S.C. 1681b ).

I have submitted a valid FTC Identity Theft Report confirming that these inquiries are the result of identity theft. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), once an identity theft report is received, the credit reporting agency is required to block the reporting of any information resulting from identity theft within XXXX business days. However, due to the continued presence of these fraudulent inquiries and your prior failure to promptly correct my file, I am now demanding expedited compliance within XXXX hours of receipt of this CFPB complaint. 

Your continued reporting of these unauthorized inquiries constitutes : Reporting without a permissible purpose ( FCRA 604 ) Failure to maintain maximum possible accuracy ( FCRA 607 ( b ) ) Failure to timely block identity-theft-related information ( FCRA 605B )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Tuesday, XX/XX/XXXX, at approximately XXXX p.m., I visited the JPMorgan Chase Bank , N.A . branch located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, to deposit a {$9800.00} check into my XXXX XXXX account. 

Initially, I was informed that the deposit was permitted with proper endorsement and that the funds would be subject to a hold. Shortly thereafter, a different employee at the same branch denied the transaction, stating that my account had a negative balance and that my XXXX account did not work, and that I needed to open a personal account. 

I agreed to open a personal account ; however, the branch refused to proceed at that time, citing a lack of staff availability. Instead, I was scheduled for an appointment on Wednesday, XX/XX/XXXX, at XXXX a.m. to open the personal account. During that interaction, the branch copied my drivers license and debit card, but no account was opened, and the process remained incomplete, as I did not attend the scheduled appointment. 

The following day, I visited another JPMorgan Chase branch located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, where the deposit was completed without issue. I was informed that {$300.00} would be available immediately and that the remaining balance would be available the following day, confirming that the initial denial was unjustified. 

I believe this constitutes an unjustified denial of service, inconsistent and misleading information, unequal treatment between branches, unnecessary administrative barriers, and potential discriminatory practices. I respectfully request that the CFPB investigate this matter and require a formal written response from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Zip Co US Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, a purchase was made with XXXX XXXX for a desktop computer, using Zip as the payment method. The order was scheduled for delivery on XX/XX/XXXX. 

The purchase was placed through my sons XXXX XXXX account, but it was paid for using my Zip account, which is the account being billed and is under my name. 

On XX/XX/XXXX, XXXX XXXX marked the order as delivered ; however, the delivery confirmation included a photo showing a different address that I do not recognize. The product was not delivered to my address, and I never received the item. 

I immediately contacted XXXX XXXX multiple times via phone, chat, and through their app, and opened a dispute providing evidence that the item was delivered to the wrong address. XXXX XXXX later communicated by email that they were denying a refund and advised me to contact local law enforcement. I am not requesting a replacement or reshipment ; I am requesting a full refund only. 

Since the purchase was financed through Zip, I contacted Zip and submitted all requested documentation, including proof of incorrect delivery and XXXXXXXX XXXX written denial. Zip acknowledged the situation but stated that they could not initiate or enforce a refund and advised me to continue contacting XXXX XXXX, despite the dispute already being denied. 

To avoid interest, late fees, or negative account impact, I have continued making the required payments to Zip while this dispute remains unresolved. 

As of XX/XX/XXXX, the charge remains active, no refund has been issued, and no resolution has been provided. I have not received the product, and both the merchant and the financing company have failed to resolve the billing dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
They have recorded us every time we call so they have the call logs and verbal and written notes on the reasons for the calls. 

We contacted Goodleap to request a settlement and they agreed to {$26000.00} ( approx ) by XX/XX/XXXX. I paid it in XXXX installments XX/XX/XXXX and XX/XX/XXXX, and the customer service said it was posted for both on XXXX. I requested a payoff notice for title company because Goodleap has then lien on the solar panels and we can not close with this. We called several times a day since XXXX, sent several emails asking them when and how long it will take to make the account inactive/paid. Every time, they say the account has been paid and settlement has been met. 
They said it can take XXXX days to close the account. I said I just need you to send a note to title that this is done. They said they can not. One representative XXXX XXXX XXXX ) on XX/XX/XXXX around XXXX and said it can take XXXX days. 
We talked to XXXX ( manager ) with my realtor on the phone XX/XX/XXXX who said she can get it done within XXXX hours. 
We called her again on XX/XX/XXXX around XXXX and she said that this case is with the case manager and theres no contact for this person, she will escalate and will ask the case manager to contact us same day. No calls no emails. 
I get the run around every time I call. The buyer is at risk for backing out because we have had to change the date of closing twice. Im facing financial and emotional damages due to paying XXXX mortgages and double utilities, etc. 
the original closing date was XX/XX/XXXX. It got pushed to XX/XX/XXXX, and still no end in sight and keeping us tied up. 
The company has engaged in a pattern of bad faith and deceptive communication, providing at least XXXX conflicting timelines for the release. Most recently, I was told [ above ], but that deadline has passed without action. 
Legal Violation : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, a secured party is required to file a termination statement within 20 days of receiving an authenticated demand if the obligation is satisfied. Goodleap is currently in violation of this statutory requirement. Furthermore, their failure to act is creating an unlawful " Cloud on Title '' for my home, which I believe constitutes a violation of the Consumer Financial Protection Act regarding unfair and deceptive acts or practices ( UDAAP ).

Company response to consumer: Closed with explanation