vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Westlake Services, LLC
State: PA

Complaint narrative:
I attempted to obtain payment extensions on my auto loan on two separate occasions. On both occasions, I completed the signature process, but company representatives later acknowledged that system/signature glitches prevented the extensions from being properly processed. The dates that I have for both extensions is for XX/XX/year> and the next one was XX/XX/year>. I relied on the extension process and was not informed that the requests had failed to process correctly. I couldve made the payment of the fee if I was told that my extensions had never went through but instead I waited to get an approval or denial which made me wait a little longer, My vehicle was later repossessed. Although the company states the account was delinquent and the repossession was valid, supervisors acknowledged recorded system issues related to the extension process. They have noted in there system showing that once I signed signatures it was times that the signature wasnt processed correctly. I am requesting review and relief regarding repossession, storage, and reinstatement fees because the companys processing failures contributed to the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, at approximately XXXXXXXX XXXX Westlake Financial Services repossessed my XXXX XXXX XXXX ( XXXX XXXX, Account # XXXX ) from inside my gated, access-controlled residential community in XXXX XXXX XXXX California, XXXX any prior notice. At the time of repossession, Westlake had documented knowledge that this account was under active formal dispute through multiple channels : XXXX. CFPB Complaint ID XXXX ( filed XX/XX/XXXX ) Westlake received , read, and responded to this complaint. XXXX. Formal legal demand letter delivered viXXXX XXXX XXXX XXXX XXXXXXXX, delivered XX/XX/XXXX ) to Westlake 's Legal Department confirmed received, never answered. 3. Westlake 's own support ticket system ( Ticket # XXXX ) opened XX/XX/XXXX, closed without substantive response. XXXX XXXX XXXX acknowledged in writing awareness of legal matters but stated she could not forward to legal department. Despite this documented knowledge of an active dispute, Westlake : ( a ) never provided a Notice of Right to Cure as required by California XXXX XXXX XXXX ; ( b ) never provided any substantive written response to the dispute ; ( c ) directed me exclusively to phone contact despite my status as a Limited XXXX Proficiency ( XXXX ) consumer protected under XXXX ; and ( d ) repossessed the vehicle at XXXX AM inside a secured, gated residential community, potentially in violation of California XXXX XXXX XXXX ( breach of peace ). I have personal video footage of the repossession and the community 's security cameras also recorded the event. I am requesting that the CFPB require Westlake to : ( 1 ) confirm whether the repossession agent entered a secured/gated area without authorization ; ( 2 ) provide the name and license number of the repossession agency ; ( 3 ) confirm all post-repossession notices and timelines ; ( 4 ) place all repossession records on litigation hold ; ( 5 ) confirm its position on deficiency balance given the failure to comply with California Civil Code 2983.2 and 2983.8 ; and ( 6 ) provide a substantive written response to the underlying financing dispute, including its position on FTC Holder XXXX liability ( XXXX C.F.R. XXXX ) for XXXX XXXX XXXX ' documented misrepresentations. This conduct documented refusal to respond, deliberate routing to inaccessible channels, and repossession during active dispute constitutes bad faith and potential Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Dodd-Frank Act, 12 U.S.C. 5531. Prior CFPB Complaint ID : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 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: OH

Complaint narrative:
I am filing a complaint regarding inaccurate and unfair credit reporting by Capital One card Platinum ending in XXXX. The account in question is reporting a 30-day late payment with a balance of {$95.00} and {$25.00} past due, reported on XX/XX/year>. However, I am listed only as an authorized user on this account and am not contractually responsible for the debt. Despite this, the account is negatively impacting my credit as if I were liable. Additionally, the balance originated from an extremely small amount ( approximately {$1.00}, which was escalated through fees and interest charges. This resulted in a disproportionately inflated balance and derogatory reporting. I was not properly notified of the balance, and as an authorized user, I should not be held responsible for payment delinquency. This reporting is both misleading and unfair under the Fair Credit Reporting Act. I am requesting : * Immediate removal of the negative mark on this account from my credit report as I am only an authorized user * Investigation into the accuracy of the reported delinquency and fee escalation * Refund of the {$95.00} dollars paid for excessive late fees that originated from {$1.00} interest charge I attempted to resolve this directly but was unsuccessful. I am requesting a formal correction through this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
When i opened my business checking account I was unknowingly enrolled in overdraft protection which allowed my account to go negative several times resulting in several overdraft fees. As soon as I was told why the bank kept letting my account go negative I canceled the overdraft protection, but the bank wouldn't reverse the fees.

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 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I paid {$990.00} XXXX XXXX for XXXX training and exam through PayPal and XXXX advised in writing that they will refund the exam fees {$270.00} on XX/XX/year>. they have been stalling ever since all information requested was provided ranging from all banking information, cancelled cheques and bank statement. I need Paypal to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I sent money from my Chase checkings account to a checkings account at XXXX XXXX I selected the real time transfer option on the XXXX side. XXXX claims that the funds were sent succesfully. XXXX claims they do not see anything in their systems. I have previously used this method before to send funds between the XXXX accounts and it has worked before. The transfers occured on XX/XX/year>. There were XXXX. XXXX was for {$500.00} and the other was for {$1000.00}. I have called both sides and all they say is to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Westlake Financial Services is reporting inaccurate and damaging information on my consumer credit reports. I formally disputed this account and requested verification of : - the original delinquency date, - complete payment history, - balance accuracy, - XXXX XXXX compliance, - and the method of verification used. Despite my dispute, the company continues reporting the account as charged off with ongoing monthly derogatory updates. The information appears inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 and 1681e ( b ). I am requesting : 1. Full investigation 2. Written verification of all disputed information 3. Correction or deletion of unverifiable data 4. Ceasing inaccurate monthly derogatory reporting This reporting is negatively impacting my ability to obtain financing and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
The Apartment Manager pulled a very unprofessional tactic in order to in her words force out the XXXX XXXX XXXXe placed these XXXX week notice to vacate notices on a lot of tenants. I was going through my mother just passing away and had reconnected with my sister who lived in XXXX XXXX, Upon receipt of the notice, I secured me and my XXXX children an apartment to live in XXXX XXXX. When I informed XXXX XXXX the Apartment Manager, she said she didnt intend for me to move, but she had to place that note on more peoples doors because she didnt wan na be accused of being prejudice or biased and that she wish I wouldve called her first and asked me to stay. I told her I can not because I had already given the XXXX XXXX Indiana. ( The next state over ) Landlord money. I moved, turned the keys in after cleaning the apartment out. Several months later XXXX getting calls from Attorney saying I owe for damages. I contacted XXXX XXXX to ask her what the damages were and that I need an itemized statement and she said XXXX just tell you over the phone that hole in the wall and you replaced the lightbulbs with a different brand than what welre originally there and some of the blind wands were missing. There was in fact a coffee cup sized hole in the wall that I had already patched and sanded. It just needed to be painted and XXXX pretty sure my deposit had covered that plus more and as for the lightbulb brands. I got mine at XXXX. They had XXXX XXXX XXXX brand and the blind wands were on top of the refrigerator because the blinds were cheap and they kept falling. I told the attorney that these were false allegations, and I also told the attorney that that XXXX week notice to XXXX stated that I violated something that was nonexistent. I had never had any prior warnings discussions or notices about anything being violated on my lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: UT

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Over the past 12 months, I have been charged at least 25 overdraft fees of {$35.00} each on my Wells Fargo business checking account, totaling approximately {$870.00} or more. I called Wells Fargo to request review and refund of these fees. I was escalated to a supervisor, who told me that Wells Fargo policy now limits overdraft fee refunds to one per year, regardless of the circumstances. The supervisor stated that this discretion had been removed by higher management and that they could not help further. This rigid policy fails to account for legitimate circumstances. As one example : six of my 25+ overdraft fees were directly triggered by an unauthorized recurring charge from a merchant I had forgotten was billing me and from which I never received any service. Wells Fargos own statement descriptions explicitly identify these six overdraft fees as having been caused by those merchant charges ( example : OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$15.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX ). I have since cancelled the subscription and am separately disputing the underlying charges through Wells Fargos disputes process. Even with this clear documentation that the fees were consequential to disputed transactions, the supervisor stated the one-per-year policy could not be overridden. I am requesting : 1. Executive review of the overdraft fee pattern on my account over the past 12 months. 2. Reconsideration of the rigid one-refund-per-year policy as applied to my situation, particularly given that a significant portion of these fees stem from transactions I am actively disputing. 3. Assistance enrolling in account safeguards ( low-balance alerts, overdraft protection options ) to prevent recurrence. Thank you for your review.

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 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Had a bank impostor called me from Wells Fargo claiming that my account was under investigation and wanted to transfer money into a new account that they created me they did they had all the information my account number the exact account balance savings and checking they made a new account transferred the funds into the new account and now the bank is stating that it wasnt them and I authorize the transfer so theyre not gon na 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 explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am a XXXX XXXX of an irrevocable trust holding XXXX shares of XXXX XXXX ( XXXX ). The trust became irrevocable on XX/XX/XXXX upon the settlor 's death. The shares are titled in the name of the trust not in a decedent-named account and the trust instrument identifies the successor trustees and beneficiaries on its face. No probate estate exists or is required, as the trust is a non-probate instrument that self-executes upon the settlor 's death. I submitted a XXXX XXXX XXXX request to Bank of America ( Case XXXX ) to enable transfer of these trust-titled shares to the transfer agent ( XXXX ). An XX/XX/XXXX escheatment deadline applies if the transfer is not completed. BofA has denied the request XXXX times XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each time citing the same XXXX missing documents : a " beneficiary confirmation letter '' and " court documents with seal dated within 12 months. '' Neither document can exist for this transaction : ( XXXX ) A beneficiary confirmation letter is issued by the custodian of a decedent-titled account to confirm a death-payable beneficiary designation. This account has no such designation ; it is titled to the trust itself. ( XXXX ) A court order with seal would only exist in a probate proceeding. No probate proceeding exists because the trust was specifically structured to avoid probate. On XX/XX/XXXX I sent a substantive email explaining the above and offering a XXXX XXXX XXXX under the applicable Uniform Trust Code as the standard industry document for this transaction. BofA did not engage with the explanation and issued the third template denial on XX/XX/XXXX. A phone escalation attempt on XX/XX/XXXX also did not produce a resolution or any identification of an acceptable document. The effect of BofA 's policy application is that I can not complete administration of an inherited trust asset because the bank demands documents that can not exist for the transaction type, while refusing to identify any document within its trust-transfer pathway that would satisfy its requirement. With the XX/XX/XXXX escheatment deadline approaching, this creates a real risk of forfeiture of trust property. I am requesting that BofA identify, in writing, the specific document ( XXXX ) within its trust-transfer pathway that will satisfy the XXXX requirement, and process the request accordingly.

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 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kovo
State: PA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: January Technologies, Inc
State: VA

Complaint narrative:
This company acquired my bank account fraudulent and used my virtual debit card information to withdraw XXXX XXXX XX/XX/year> on bank card ending in XXXX. They disguised themselves as January Technologies Inc whose real name is XXXX XXXX. I ha XXXX not had any conversation with this company as either name. I was receiving emails and have never responded. I have sent all of my fraud filings to them and to my surprise they were deceitfully and illegally able to access funds from my checking account. I have investigated and found all of my information with an account that I never setup on their website. I want them prosecuted and cease and desist order in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 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: FinCo Services Inc DBA Current
State: IL

Complaint narrative:
Hey I've noticed on money was taken out and service wasn't delivered there was a glitch in the app this happened under XXXX in Payment XXXX USD Not sure how to get this fix as there was a glitch in that stream transaction When I reported it to my bank my bank decided not to fix the issue this is not the first time this has happened as my bank allows fraudulent transactions to happen on my account and they justified fraudulent transaction I tried to close my account and they denied closing it and reimbursing me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
The account may contain inconsistencies or incomplete reporting across the credit bureaus how was this account verified as accurate

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