vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC
State: PA

Complaint narrative:
* * Company Name : * * Westlake Financial Services I am the victim of suspected identity theft and loan fraud with Westlake Financial Services. On or around XX/XX/year>XXXX XXXX I discovered a fraudulent vehicle loan in my name with Westlake. I immediately submitted a formal, detailed fraud report via XXXX XXXX Mail on XX/XX/scrub>XXXX XXXX XXXX, which Westlake Financial received on XX/XX/year>XXXX XXXX. I have attached proof of delivery. 

Despite this, Westlake Financial has completely failed to initiate a proper fraud investigation. Instead, I have received multiple harassing collection calls demanding payment. When I explain the account is fraudulent and must be paused, Westlake representatives have hung up on me and falsely told me I can not pause an account under fraud review. One representative threatened legal action if I did not pay. 

This behavior violates standard fraud protocols and federal consumer protection laws. By continuing to treat this as a valid debt and threatening to report it to credit bureaus, Westlake Financial is causing significant financial harm and distress.

* * What I want to resolve my complaint : * * 1. Westlake Financial must * * immediately pause all collection activity and credit reporting * * on this fraudulent account.

2. Westlake Financial must * * formally acknowledge my fraud report in writing *
* and provide me with a case number and investigator 's contact information.

3. Westlake Financial must * * provide me with all documentation related to the fraudulent application * *, as required by law, so I can understand the full scope of the fraud.

Westlake Financials refusal to follow the law has forced me to file this complaint with the CFPB. I request your immediate attention to this serious matter.

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 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
On XX/XX/year>, I visited a Wells Fargo bank branch to initiate an international wire transfer of {$25000.00} USD plus a {$40.00} transfer fee. The funds were intended for my father-in-law in XXXX for personal life expenditures. The transaction was confirmed with a scheduled availability date of XX/XX/year>. 

After more than a month passed without the recipient receiving the funds, I contacted XXXX XXXX customer service department. During this call, I was informed that the transaction had been blocked because it triggered a " hit '' against the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) sanctions list. I was told to contact a different telephone number regarding the XXXX issue but was not provided with specific written details regarding the block. 

Wells Fargo did not request additional personal information or documentation at the time of the transfer that could have prevented this situation. Furthermore, the bank has failed to provide the necessary details or a specific reason for the blocksuch as the exact name on the XXXX list causing the conflictthat would allow me to file a formal report or a " release of funds '' survey with XXXX. I am currently unable to access the {$25000.00} USD, and Wells Fargo has not offered a clear path to resolution or a refund.

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 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MN

Complaint narrative:
I bank with Chime and it stated through the IRS that {$1400.00} was deposited in my account but I never received it and when I reached out to the bank they acted as if I would have to contact the IRS..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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:
On XX/XX/year>, Westlake Financial emailed me stating that I needed to pay {$1600.00} by XX/XX/year> to reinstate my vehicle after repossession. 

On XX/XX/year>, I made a one-time payment for the reinstatement amount. Westlake processed and split this single payment into two transactions on their end : {$800.00} processed on XX/XX/year> {$870.00} processed on XX/XX/year> These two transactions were not separate payments made by me, but parts of the same one-time reinstatement payment that Westlake divided internally.

This total met and exceeded the reinstatement amount Westlake required by the stated deadline.

Westlake accepted this payment but did not release my vehicle. 

On XX/XX/year>, I made an additional payment of {$390.00}, which Westlake also accepted.

Despite accepting these payments after providing a reinstatement quote and after I complied with their instructions, Westlake reported a repossession to the credit bureaus on XX/XX/year>. 

I believe this constitutes improper servicing and inaccurate credit reporting. I followed the reinstatement instructions provided to me, Westlake accepted the payment, and still failed to release the vehicle while reporting a repossession.

I am requesting a full investigation and removal of the repossession from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

Complaint narrative:
XXXX XXXX Executive Relations / Credit Reporting Department Re : Executive Escalation Duplicate Reporting and Incorrect Collection Account To Whom It May Concern, I am an active XXXX XXXX customer in good standing. I am writing to formally escalate a serious credit reporting error involving XXXX XXXX and Jefferson Capital Systems , LLC. 

Both XXXX XXXX and Jefferson Capital Systems , LLC are currently reporting the same alleged debt in the amount of {$1800.00} on my credit report. Jefferson Capital Systems claims to be the owner of this debt, while XXXX XXXX continues to report a balance. This constitutes inaccurate and misleading credit reporting. 

This duplicate reporting is causing harm to my credit and violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which requires accurate and complete reporting. 

I formally dispute this account and request immediate executive-level investigation and correction as follows : If the debt was sold or assigned, XXXX XXXX must update its tradeline to reflect a {$0.00} balance and show the account as transferred or sold. 
If the debt was not sold, Jefferson Capital Systems must be immediately notified to cease reporting and collection. 
If the account is inaccurate or can not be fully verified, all related negative credit reporting must be deleted. 

Please provide written confirmation of your investigation and the corrective actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: OneMain Finance Corporation
State: SD

Complaint narrative:
I just made a XXXX payment on my One Main vehicle loan. 
I am just coming off a payment arrangement and I should be caught up and shouldn't have a high balance. 
I checked my account this morning and it shows XXXX balance due??? 
Plus my loan balance is still XXXX after XXXX years. Geez how long before the principal gets paid on. I'll be paying on this for the next XXXX years and I'll still have a XXXX loan balance lol.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On the XXXX of XX/XX/XXXX I received a payment of {$410.00} from a close acquaintance of mine because thats what XXXX  is used for, receiving money and on the XXXX of XXXX my funds was frozen pending that I verify my identity by uploading my ID and a selfie of me holding my ID but I was very busy that week and I thought Id do it later and same person that sent me {$410.00} sent another {$410.00} because he made the mistake of choosing the goods and service option which prompts XXXX  to hold funds for 21 days and I had {$820.00} on my XXXX  balance and I verified my account later on but I wasnt allowed withdrawal of my funds from my XXXX  account and I uploaded my information that was asked of me to verify my identity and it got unfrozen but when I try To withdraw my funds it gets frozen again and this happens up to XXXX times till my account got suspended permanently for no reason and I tried withdrawing through XXXX didnt work and I had to sell the XXXX back to usd hence why my balance depleted because of the charges when you purchase and sell XXXX I got an email from XXXX  stating that my account has been suspended permanently and my funds will be held for up to 180 days or less this was on XX/XX/XXXX, fast forward till XX/XX/XXXX I contacted XXXX  for my funds they denied me of my funds but emailed me again stating that my funds are available for withdrawal on XX/XX/XXXX But I was unable to login my account so I called and asked for my email to be changed so I can gain access and withdraw my funds only to be told my the team that manages the phone calls that my account was still frozen and I should email their specialist team again and today XX/XX/XXXX I got an email from XXXX  specialist team denying me of my funds stating till further notice with no reason as to why this is happening or why its being held, thats why Im requiring help because its unjust I have done nothing wrong except use XXXX  and trust them with my money only to be tossed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I first noticed something going on when I suddenly wasnt making payments on time. I may be a lot of things but late on my credit is not one, I have proof Id send my payment days/weeks before its due, then suddenly its returned and Im immediately charged a late fee?? Why do they keep returning the payments when I know for a fact I have more than {$25.00} available in my acc???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Credence Resource Management is falsely reporting itself as the original creditor on my credit report, omitting the true original creditor, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). 
I have received phone calls regarding this account, which contributed to concern about potential legal action. However, the core complaint is the inaccurate reporting, which materially affects my credit evaluation, ability to verify the account, and overall financial reputation. Credence has not provided documentation showing that it originated the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On the date of the incident, while stopped at a traffic light in XXXX, Georgia, an individual approached my vehicle under the pretense of requesting a charitable donation. My window was down, and I was actively using my phone for GPS navigation as I was entering the nearby expressway. The individual aggressively grabbed my phone from my hand and scanned a QR code, initiating a {$1200.00} XXXX XXXX transfer linked to my Bank of America debit card without my knowledge, consent, or authorization. 

I did not know the individual, do not recognize the recipient of the funds, and did not approve or intend to send any payment. The transaction was the direct result of theft and coercion, not voluntary use of my account. 

I immediately contacted both XXXX XXXX and Bank of America upon realizing what occurred. My debit card was cancelled, and I fully cooperated with all investigative steps. I also filed a police report ( now approved ) and a cybercrime/web fraud report documenting the incident. 

Despite this, Bank of America denied my claim, relying on the assertion that the transaction was authorized using my phone and IP address. This conclusion is inaccurate. A transaction is not authorized merely because it originated from a consumers device when that device was accessed through theft and coercion. 

On the date of the incident, while stopped at a traffic light in XXXX, Georgia, an individual approached my vehicle under the pretense of requesting a charitable donation. My window was down, and I was actively using my phone for GPS navigation as I was entering the nearby expressway. The individual aggressively grabbed my phone from my hand and scanned a QR code, initiating a {$1200.00} XXXX XXXX transfer linked to my Bank of America debit card without my knowledge, consent, or authorization. 

I did not know the individual, do not recognize the recipient of the funds, and did not approve or intend to send any payment. The transaction was the direct result of theft and coercion, not voluntary use of my account. 

I immediately contacted both XXXX XXXX and Bank of America upon realizing what occurred. My debit card was cancelled, and I fully cooperated with all investigative steps. I also filed a police report ( now approved ) and a cybercrime/web fraud report documenting the incident. 

Despite this, Bank of America denied my claim, relying on the assertion that the transaction was authorized using my phone and IP address. This conclusion is inaccurate. A transaction is not authorized merely because it originated from a consumers device when that device was accessed through theft and coercion.

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 2026-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am submitting a complaint regarding inaccurate credit reporting by Comenity Bank for an XXXX/Comenity/XXXX  account ( Account XXXX XXXX ). 

This account was charged off in XX/XX/year> and is reported as having been purchased by another lender. Despite this, Comenity Bank continues to report the account without demonstrating that it currently owns the account or has legal authority to report it. 

I previously disputed this account, and it was marked as verified without Comenity providing the method of verification or identifying a human reviewer, as required under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Wednesday XX/XX/year> at XXXX I received a notification that I had a deposit from a XXXX transaction for the amount of XXXX and when I opened up my on line banking it wasnt there so I waited for XXXX minutes. So I called Bank of America and so they claimed that it had a 3 day hold on it, I wanted to know why she claimed it was a credit but she couldnt explain so I got off the phone and called the sender and she said they took the money from her account so I told her to see if she could cancel it they told her no so so I called Bank of America again and asked for a XXXX he claimed the same thing that it was a credit I asked him so did she use her credit card and charged it what did he mean by a credit. That didnt make any sense. So I felt like there was some in house crime or they just were XXXX profiling mainly because they cant explain what was going on. So I called back a third time telling them she didnt use a credit card and they took the money out of her account already then they came up with the excuse that this was the first time she sent money to me which makes no sense and the stories keep changing so I feel they either stole my money or this is just another case of XXXX profiling I am tired of this kind of harassment Bank of America has had discrimination lawsuit against them and I feel they are back at it again

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 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax is reporting a charged-off XXXX account ( # XXXX ) as both past due and actively updating monthly. This is false and constitutes illegal re-aging. 

The account was previously deleted and then reinserted without notice. Equifax claims it was verified but did not correct the inaccurate balance, status, or payment history. 

This violates the Fair Credit Reporting Act. I am requesting immediate deletion and a formal investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: WA

Complaint narrative:
I got a statement from a collection agency stating I owed {$1400.00} to a credit card that I dont even have on hand. I have not even recalled that credit card and I dont know who the transactions were to how much they were and the dates that they say they were transaction. Ive asked XXXX times for them meaning the collection agency to get that information so I can either affirm if its my debt or not and they keep sending me just the form that says that I owe this much from the credit card company XXXX XXXX I also called XXXX XXXX and they can not give me any in any information because they say my account is closed and it got bought by somebody else which Im assuming is the XXXX collection agency if its something that was used by a family member or in my household I would like to know if its something I owe I will pay, but I can not pay something that I have no idea what the transactions were to whom and for how much and what date then I can know whether its mine or not but you can not just send me a bill saying you owe {$1400.00} and not have evidence of me using the card. I dont like I said have any information as to the card whereabouts or anything all I have is this statement from the collection agency so I am disputing this to get evidence of this in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I signed up for XXXX  in XXXX. My account was immediately locked with no explanation. I deleted the app since I wasn't able to use their services. In XXXX, I started receiving spam emails from XXXX. So, I tried to delete my account because I didn't want to receive spam email from a service that I was unable to use. I tried to delete my account but the option was greyed out on their app and website stating that I needed to contact customer service. I tried to use XXXX XXXX chat service but it is inoperable and provides no support other than referencing their FAQ. So I tried to call their customer service phone number. The person I talked to said my account was frozen for unknown reasons and that someone from account management would email me. I was emailed and they demanded that I send them my license information and personal information that I do not feel comfortable giving to a company that is not trustworthy. I never gave them this information to sign up for account to begin with, so I don't see why they would need it now. I just want my account closed and they refuse to do so unless I give them private information I never gave them to begin with. This is a clear privacy violation, in my opinion.

Company response to consumer: Closed with non-monetary relief