vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Westlake Services, LLC
State: NY

Complaint narrative:
Subject : Formal Dispute Identity Theft / Demand for Investigation and Deletion To Whom It May Concern, I am writing to formally dispute a fraudulent auto loan account reported under my name. This account is the result of identity theft, and I did not apply for, authorize, or benefit from this loan in any way. Your prior response attempting to rely on 15 U.S.C. 1681i is misleading and inapplicable. That provision applies to credit reporting agencies, not furnishers such as Westlake Financial. As the creditor and furnisher, you are required under the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( b ), to conduct a reasonable investigation upon notice of dispute. Additionally, under 15 U.S.C. 1681c-2, you are required to block and remove information resulting from identity theft. My personal information was stolen during a violent incident in which my identification and sensitive documents were taken. I have lived at the same address listed on my identification for over 11 years. I have never held a drivers license, and I have never had auto insurance in my name. These facts directly contradict any claim that I applied for or was properly verified for an auto loan. Despite being notified, you have failed to conduct a proper investigation and continue reporting this account without providing any verifiable proof that I authorized it. Accordingly, I demand that you provide the following : - Signed credit application and retail installment contract - Any documents bearing my signature - Identity verification records ( including ID used, IP address, phone number, and email ) - Dealership name, bill of sale, and vehicle delivery records- Full payment history and any linked financial accounts- All communications and internal account notes Legal Notice / Demand for Proof : If you claim this account is valid, you must provide documented evidence of the identity verification procedures used to approve this loan, including how a loan was issued without a valid drivers license or insurance in my name. Failure to provide this documentation will demonstrate that your investigation is unreasonable and noncompliant with federal law. If you are unable to produce the requested documentation, you must immediately delete this account and cease all reporting and collection activity. Please be advised that your continued reporting of this fraudulent account without a reasonable investigation constitutes willful noncompliance with the Fair Credit Reporting Act. Failure to comply will result in escalation, including additional regulatory complaints and potential legal action. I request written confirmation that this matter has been resolved and that I have no liability for this account. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: TX

Complaint narrative:
I expect a thorough investigation into these matters, full compliance with federal law, and prompt removal of all inaccurate information from my credit file. Failure to correct these issues is continuing to cause financial harm and is preventing me from moving forward with a major life decision.

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 2026-04-15 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Ive purchased some products online, but Ive cancelled the order before they could be shipped out. I have asked when my refund is going to arrive everyday for the past month theyve just been telling me it will arrive in the next week

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Lenmo Inc
State: GA

Complaint narrative:
I am filing this complaint against Lenme, a peer-to-peer personal loan marketplace app, for refusing to close my account and delete my personal data despite multiple requests. I no longer have access to the phone number associated with my account. The app requires SMS verification to complete account deletion, which I can not receive. I contacted Lenme customer support multiple times requesting an alternative verification method or manual account closure by their team. Lenme support refused every request, stating that account deactivation can only be completed through the app and that no escalation or alternative process exists. When I pushed further, they sent a final dismissal stating they had provided all available information and ended the conversation. Lenme is holding my personal data indefinitely because they will not offer any reasonable alternative when a customer loses access to their verified phone number. This is an unreasonable barrier to account closure and a failure to honor my right to have my personal data removed. I am requesting that the CFPB require Lenme to close my account and confirm deletion of my personal data, and that they establish a proper alternative verification process for customers in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please check the collections and late payment accounts of my file. These should be not reporting negatively. Including some of these are the unauthorized inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NH

Complaint narrative:
I am disputing a debt reported by Credence Resource Management that was previously removed from my XXXX credit file. The same debt appears to have been re-reported with a different account number but the same balance, and I did not receive proper notice of reinsertion. I sent a written dispute and request for validation by certified mail. I also received a written request directing me to complete an identity theft packet and provide sensitive personal information, including my Social Security number, in connection with this disputed debt. I am requesting investigation of the repeated reporting of this account and whether the reinsertion and reporting practices comply with applicable law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please check the collections and late payment accounts of my file. These should be not reporting negatively. Including some of these are the unauthorized inquiries.

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 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
I have XXXX dollars sitting in a XXXX XXXX account for almost 2 years now. I requested for the money to be released back in 2024, but it was denied, and I never received a response from anyone. I would like my money to be released and for a check to be mailed out to me. This is not fair that a bank has been holding my funds for 2 years without a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
* * Subject : * * Locked Out of Account Due to US Mobile Number Requirement While Overseas I am a United States citizen currently working on a U.S. military base in XXXX. I am filing this complaint against Capital One because I am unable to access and fully use my account due to their requirement for a U.S. mobile phone number for SMS verification. Capital One requires SMS verification for account access and online transactions, but they do not allow international phone numbers. The only number currently associated with my account is a landline, which can not receive text messages. As a result, I am unable to complete online purchases or pass required security checks. I have contacted Capital One numerous times to resolve this issue. Each time, I have been told there are no available alternatives and no way to update or bypass the verification requirement without a U.S. mobile number. No solution has been provided despite repeated attempts. Additionally, I attempted to file this complaint online, but the CFPB system also requires SMS verification and failed to send a code to my number, further preventing me from resolving this issue independently. This situation has effectively locked me out of normal use of my account and is causing significant hardship. As a U.S. citizen working overseas on a military installation, I should have reasonable access to my financial services without being restricted by a U.S.-only mobile requirement. I am requesting that Capital One : * Provide an alternative verification method ( such as email or authenticator app ) * Allow the use of an international phone number * Or provide a manual verification process to restore full access to my account I respectfully request prompt assistance in resolving this issue. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am submitting a formal complaint regarding Midland Credit Management and their attempt to sue me over an alleged debt. I have recently been contacted by Midland Credit Management, who is now pursuing legal action against me for this debt. However, I have serious concerns regarding the validity and handling of this account. I am requesting that Midland Credit Management provide proper debt validation, including : Proof that I am legally obligated to pay this debt A complete account history, including the original creditors name and amount Documentation showing Midland Credit Management has the legal right to collect this debt To date, I do not believe sufficient verification has been provided. Additionally, I am concerned about the accuracy of the amount being claimed and whether all applicable consumer protection laws have been followed. I am requesting the CFPB to : Investigate Midland Credit Managements collection and legal practices Ensure that all required validation documentation is provided to me Confirm that my rights under the Fair Debt Collection Practices Act are being upheld Due to the seriousness of a lawsuit being filed or threatened, I ask for this matter to be reviewed promptly. I would also like any collection activity paused until proper validation is completed. Please keep me informed of any updates or responses from Midland Credit Management. Thank you for your time and assistance. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I need to remove my debt collection on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: WV

Complaint narrative:
I called credit acceptance in 2024 ask them to repo the car due to the APR rate they told me that they was allowed to charge the Apr and wouldnt change it. and so when the car broke down, I told them they needed to come get the car I gave them the address it was at the mechanics in XXXX XXXX. ( Something with a short in the powertrain ) the mechanic couldnt find the problem for weeks Im not sure they ever did. Cac said no we dont want the car. But under wva code 46A-4-107 they were in fact charging too much for the loan.

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 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America constantly charges me overdraft fees and late fees and when I call them they don't do anything about it.

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 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Service of Nevada
State: FL

Complaint narrative:
I received a collection notice from Sierra Outstanding Solutions regarding Account # XXXX, Reference # XXXX. This letter was not sent to my current address and was instead forwarded to me from a previous address where I no longer reside. At the time referenced, I was living and working onsite at that address and had very limited time to coordinate my move-out. As a result, I did not receive any prior communication, billing, or notice regarding this alleged debt from XXXX XXXX at my current address or through any other valid means. Additionally, I currently have an active account with XXXX XXXX associated with the same address listed in the collection notice. That account is nearly paid in full, and I have been in consistent communication with XXXX XXXX while making payments twice per month through my online account. XXXX XXXX has my updated contact information, including my current address, phone number, email, and Social Security Number. Given that XXXX XXXX has had continuous access to my updated contact information and I have been actively paying on the account, the lack of any prior notice regarding this additional balance indicates a likely error, duplicate charge, or breakdown in communication. I am disputing this debt due to the failure to provide proper notice and the inconsistency with my active payment status. I have not been provided with any documentation supporting this claim prior to being contacted by a third-party collection agency. I am requesting full validation of this alleged debt, including a detailed breakdown of charges, dates of any transactions, supporting documentation, and proof that proper notice was sent to my current address and received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
After filing my complaint with the CFPB ( Complaint ID : XXXX ), Chase reversed funds, forced my account negative, and closed my account while a fraud investigation remains unresolved. My checking account is now showing a negative balance of {$80.00} and I no longer have what little money I had available to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ameritan Group Services
State: NV

Complaint narrative:
XXXX XXXX Ameritan group services : ( XXXX ) XXXX, ( XXXX ) XXXX. This group Contacts my Mother Cell number and requested to speak to me, Also gave the wrong Social Securtiy Number. The Debt must be over 20yrs old cause I dont remember any debt. that I currently own. I just bought a home and vehicle with my current credit checks and nothing came up Negative or that I own a debt.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Comerica
State: VA

Complaint narrative:
Denied transaction. Made XXXX XXXX transaction that was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt Collection XXXX XXXX XXXX claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor. 2. A detailed statement of the alleged debt, including the amount and how it was calculated. 3. A copy of the original signed debt collection agreement or contract. 4. Proof that you are legally authorized to collect this debt. 5. A full accounting of payments, interest, fees, and charges applied to the alleged balance. 6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within XXXX days from your receipt of this letter. regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Pursuant to my rights under the FDCPA, I request that you provide the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of all fees and interest 3. A copy of the original agreement or contract bearing my signature look the same on my Id 4. Proof that you are authorized to collect this debt 5. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. * Do not contact me at my place of employment. * Do not contact any third parties about this debt. If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. Please respond to this request in writing. I recommend all future communication be done via mail only. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
Honda is charging XXXX XXXX XXXX} charge without fair consideration. The car should be paid off. The car is a lemon. The truck and cc hasn't worked since early on the agreement. The financial Co and dealership has done nothing to help with to make the vehicle safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: NBT BANCORP INC.
State: NY

Complaint narrative:
NBT bank charged my account with 13 duplicate charges. My account is now negative.

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 2026-04-15 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: Chime Financial Inc
State: SC

Complaint narrative:
I am filing a complaint against Chime regarding unauthorized transactions on my account that were denied after investigation. My phone was stolen around the time these transactions occurred. Shortly after, multiple unauthorized transactions were made, including online purchases and a cash advance. These transactions did not require a PIN and were not authorized by me. Chime denied my dispute, stating that their decision was based on device usage data, login history, and account activity. However, because my phone was stolen, any activity appearing to come from my device should not be considered proof that I authorized the transactions. I have requested a reinvestigation and am seeking : * Reversal of unauthorized charges * A proper review that considers my stolen device * Accountability for failure to recognize fraud indicators This situation has caused financial hardship, and I am requesting immediate assistance in resolving this matter.

Company response to consumer: Closed with explanation