vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
Account : XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance : {$520.00} Status : Collection Bureaus : XXXX, XXXX, XXXX  XXXX XXXX FCRA XXXX ( a ) ( XXXX ) ( A ) Inaccurate furnishing FCRA XXXX ( b ) Unreasonable investigation FDCPA XXXX, XXXX, XXXX XXXX XXXX Violations Improper collection coding Balance inflation Improper DOFD reporting Failure to report dispute Michigan Violations MCL XXXX Attempting to collect without lawful right MCL XXXX ( XXXX ) Misrepresentation of legal status MCL XXXX Deceptive trade practices

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
Hello, I am filing this complaint regarding inaccurate credit reporting by Aidvantage on my federal student loan accounts ( loans ending in XXXX, XXXX, and XXXX ). 

ISSUE : CONTRADICTORY INFORMATION FROM AIDVANTAGE On XX/XX/XXXX, I contacted Aidvantage via live chat to discuss my account. Their representative, XXXX, explicitly stated : - " Your account is in good standing. Your payment is not due until XX/XX/XXXX. '' - " Your account has not been delinquent. '' - " I don't show the account being delinquent. '' Despite Aidvantage 's own representatives confirming NO DELINQUENCY with their internal records, all three credit bureaus show XXXX late payment marks for XX/XX/XXXX. This is a direct contradiction, which constitutes inaccurate reporting under the Fair Credit Reporting Act ( FCRA ). 

BACKGROUND I believed my account was enrolled in automatic payments during the federal student loan repayment restart period. When I discovered the auto-pay was not properly configured, I immediately made a catch-up payment on XX/XX/XXXX and have made every payment on time since. I have maintained perfect payment history on these loans from XXXX through XXXX, and have already paid off XXXX of my XXXX original loans. 

IMPACT My credit score dropped from XXXX to XXXX due to these marks. I filed disputes with all three credit bureaus. XXXX  responded on XX/XX/XXXX stating the information was " verified '' but did not address the contradiction between Aidvantage 's internal records and their credit reporting. This is preventing me from obtaining a mortgage. 

I am attaching the complete chat transcript with XXXX, my account payment history, and the XXXX  dispute results as evidence. 

Thank you very much, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this complaint because there are inaccurate or unverifiable items being reported by the XXXX major credit bureaus. I am requesting a full investigation and correction/removal of these items as required under the Fair Credit Reporting Act ( FCRA ). 


Charged-Off Accounts : XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX. Inquiries : XXXX, Inquiry Date : XX/XX/XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. Late Payments : XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Multiple Late Payments XXXX, Account Numbers : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, Multiple Late Payments XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Multiple Late Payments XXXX. Previous Addresses : XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XXXX XXXX I had contacted XXXX XXXX card customer service as I had received emails stating someone was changing information on my account. When contacting them I was advised to ignore the emails and that I didnt need to report any fraud. I had then closed the account due to fear of my information being stolen. To which target never issued a final balance causing additional fees due to missed payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I deposited {$840.00} in cash at a XXXX  which has my banks ATM located inside which is Navy Federal credit union. I deposited the money and I went back to work and no trace as In my deposit. I reached out to Navy Federal representatives and they stated there isnt anything processing or showing I made a deposit. I really need my funds to pay bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a loan with them, which I paid off completely and on time as agreed. More than five years have passed, and they still haven't corrected my credit report. This has affected me terribly, even though I don't owe them anything and I always paid my car loan installments on time

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: NY

Complaint narrative:
I am submitting this complaint regarding U.S. Banks denial of my fraud claim and its failure to conduct a reasonable investigation into unauthorized activity on my account.

The disputed activity involved a single check in the amount of {$10000.00}. I did not deposit multiple checks. U.S. Banks internal processing system split this one check into two {$5000.00} postings, which appears to have been misinterpreted as multiple deposits. This was a bank processing action and not customer conduct.

At the time of my initial communication with U.S. Bank, I stated that I believed the check was mine. This statement was made before I had access to complete and accurate information and before I received the substitute check. Once U.S. Bank provided the substitute check, it became clear that the check was issued by XXXX, payable to XXXX XXXX, an

d contained a forged endorsement in my name. I am not the payee, did not authorize or endorse the check, and did not benefit from any funds associated with it. Although funds appear to have moved internally within the account, these movements were not initiated or authorized by me and occurred during a period of account compromise. I did not receive, retain, or benefit from the funds. Internal ledger movements alone do not constitute customer authorization. Prior to or during the disputed activity, I had already reported my debit card as stolen, placing U.S. Bank on notice of compromised access. Any subsequent withdrawals or internal movements should not have been treated as authorized activity.

Additionally, when contacting U.S. Banks automated system to investigate suspicious activity, I was informed that there was a registered XXXX XXXX device associated with my account. This device does not belong to me and was never authorized by me, confirming unauthorized digital access. This issue does not appear to have been investigated as part of the claim review.

U.S. Bank further prevented a complete investigation by blocking my email communications, which stopped me from submitting additional documentation and clarifying information regarding the unauthorized device and account compromise.

In response to unexpected negative balances caused by the unauthorized activity, I activated overdraft protection solely as a mitigation effort to prevent further losses. This action does not indicate authorization or participation in the disputed transactions.

Despite this evidence, U.S. Bank denied my fraud claim based on incomplete and inaccurate assumptions, causing continued financial harm and stress.

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 2026-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: AmOne Corp.
State: OH

Complaint narrative:
On XX/XX/year> at XXXXXXXX XXXX I received a call from AmONE about getting a debt consolidation loan. They told me they were going to transfer me to XXXX of their partners. I asked who the partner was and they refused to provide a name and said they work with many companies. I told them I didn't want to be transferred and they transferred me to XXXX XXXX XXXX. Not only did they transfer me without permission, I believe they lied to me and knew full well they were going to transfer me to XXXX XXXX XXXX and would like an account of how many calls they transfer to XXXX XXXX XXXX vs other lenders.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am submitting this complaint regarding an auto loan serviced by Capital One for a vehicle that has been non-drivable and in a repair facility since XX/XX/year>. 

The vehicle has multiple safety and mechanical failures, including brake sensor failure, windows malfunctioning, and the trunk opening while driving. The vehicle also has an open safety recall, further impacting its safety and drivability. Due to these issues, the vehicle has not been operable or usable for months and has not been in my possession. 

Between XXXX and XX/XX/year>, I spent nearly {$2000.00} out of pocket on repair attempts in order to make the vehicle operable for work. Despite these efforts and expenses, the vehicle continued to malfunction and did not operate properly after repairs.

I informed Capital One that I was willing to pay the approximately {$800.00} I was behind on the account, but explained that a significant portion of my funds had been used attempting to repair the vehicle so I could continue working. Despite this, Capital One continued to demand payment without addressing the non-operational status of the vehicle.

When I contacted Capital One to resolve this, I was told my only options were to continue paying the loan or agree to a voluntary repossession. I declined voluntary repossession because it would negatively affect my credit for a vehicle that is non-operational, under active recall, and not usable.

I requested that the loan be reviewed under a total loss or collateral failure process, but representatives continued to push voluntary repossession instead of escalation or written review. Capital One does not provide a written communication channel for this issue and requires repeated phone calls, which has prevented proper documentation.

I am requesting that Capital One : Conduct a formal review of this loan due to the vehicle being non-operational and under active recall Pause billing during the review Cease pressuring me into voluntary repossession Provide a written explanation of how this account is being serviced under these circumstances I am not refusing responsibility. I made good-faith efforts to repair the vehicle and to resolve the past-due balance, but I am disputing the continued billing and servicing of a loan secured by a vehicle that has been unusable for an extended period.

Additionally, when the vehicle began experiencing ongoing mechanical and safety issues, I attempted to trade it in and obtain a replacement vehicle so I could continue working. I offered an additional {$3000.00} down payment, but Capital One denied the request and indicated that a significantly higher down payment would be required, despite the substantial down payment I had already made on the current vehicle. As a result, I was left without a functional vehicle while still being billed for a loan secured by a car that could not be driven.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My mortgage loan was transferred shortly after origination. While Shellpoint Mortgage Servicing was the servicer, they incorrectly coded my loan as non-escrowed for homeowners insurance, despite the loan being escrowed and me making monthly escrow payments.

Due to this error, Shellpoint failed to pay my homeowners insurance premium, causing my policy to lapse without my knowledge. Shellpoint then imposed lender-placed insurance, which was only necessary because of their own servicing error, and improperly charged the premium to my escrow account. This depleted my escrow and created a significant escrow shortage, which caused my monthly payment to increase by several XXXX dollars.

I submitted a formal Notice of Error under RESPA ( 12 CFR 1024.35 ) to both Shellpoint and my current servicer, XXXX XXXX. Shellpoint acknowledged receipt and later sent a denial that failed to address the root servicing error ( incorrect escrow coding and failure to pay insurance ) and failed to provide required documentation. XXXX has not acknowledged or responded to my Notice of Error at all.

Mailing force-placed insurance notices does not cure a servicer-caused insurance lapse. Under RESPA and 12 CFR 1024.37, a servicer may not charge a borrower for force-placed insurance when the servicers own error caused the lapse. 

XXXX is the current servicer and controls my escrow and payment, yet has failed to comply with RESPA response requirements.

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 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/year>, I canceled a subscription with a merchant ( XXXX XXXX XXXX XXXX XXXX ) and received written confirmation that my subscription was canceled and that I would not be charged again. This confirmation revoked any future billing authorization. 
Despite this, in XX/XX/year>, the merchant charged my PayPal account for approximately {$19.00}, several months after the cancellation. This charge was not disclosed at the time of cancellation and was not presented as a pending or outstanding fee.

I disputed the charge with PayPal and provided documentation showing the cancellation confirmation and the statement that no further charges would occur. PayPal sided with the merchant, stating the charge was permitted under the merchants terms.

The issue is that the charge occurred after authorization was revoked and after written confirmation that no further charges would be made. I believe PayPal improperly allowed an unauthorized post-cancellation transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current
State: CO

Complaint narrative:
I was hospitalized from XX/XX/XXXX through XX/XX/year>. During this hospitalization, my phone was stolen and unauthorized debit card transactions occurred on my Current account between XX/XX/XXXX and XX/XX/year>. 

I discovered the unauthorized transactions on XX/XX/year>, immediately upon discharge from the hospital, and reported them the following day. Current denied my dispute despite timely notice and documentation.

This denial violates Regulation E, which allows for reasonable delay in reporting due to hospitalization. These transactions were not authorized by me.

I am requesting a full refund of the unauthorized transactions and correction of my account in compliance with federal law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
A 3rd party company called on behalf of midland credit management company. They left a rather threatening voicemail on my phone, as well as my wife 's and my father 's phones which is a clear violation of the Fair Debt Collection Practices Act, including 15 U.S.C. sections 1692b, 1692c ( b ), 1692e, and 1692d, as well as Pennsylvanias Fair Credit Extension Uniformity Act, 73 P.S. 2270.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: P&B Capital Group, LLC
State: MI

Complaint narrative:
I was contact from phone XXXX message left below : XXXX XXXX, good morning. Uh, this is XXXX XXXX. I received, uh, this pre-legal manifest that was filed against you, uh, yesterday afternoon, XX/XX/year>. I wanted to reach out to you and give you the courtesy of a call. I have to make a decision if I need to forward this to your local jurisdiction. You can reach me until XXXX Eastern time today, XXXX. XXXX. And the extension to my office is XXXX. Thank you. 

They then proceeded to contact family members regarding this so called legal manifest. I called them, they identified the company as P & B Capital Group. I was unable to speak to XXXX, a supervisor for on the phone. He was very aggressive and rude. I hung up after telling them to stop contacting myself and family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Student loan — Federal student loan servicing
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: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
Heartland XXXX  reported a 30-day late payment on my student loan account for the period between XX/XX/XXXX and XX/XX/XXXX. 

This occurred during a period in which I was experiencing serious physical and mental health issues, including a hospitalization for XXXX XXXX, followed by a difficult recovery that significantly impaired my ability to manage routine financial matters. 

During this same period, I successfully placed my XXXX student loans into administrative forbearance as part of responsibly managing my obligations while addressing my health. I fully intended to request administrative forbearance for my Heartland XXXX  account as well, but due to my compromised physical and mental state during recovery, I did not complete that request. 

I did not receive any late payment reminders during this period. The first notice I received regarding the delinquency was an email on XX/XX/XXXX. Upon receiving that notification, I immediately brought the account current and enrolled in automatic payments to prevent any future issues. 

This was my first ever late payment. I am not disputing the factual occurrence of the late payment. I am requesting consideration for a one-time goodwill adjustment or retroactive administrative forbearance for that period so the account may be reported as current. 

Given the documented medical circumstances, lack of prior notice, demonstrated intent to use administrative forbearance, and immediate corrective action, I respectfully request that Heartland XXXX  review this matter and consider removal of this isolated 30-day delinquency as a courtesy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
On XXXX opened an account with first tech federal credit union. 
And on today 's date, XX/XX/year>, they moved to close my account. Citing suspicious activity had taken place on the account regarding logins from different devices which is absurd. Because my device is the only device I've ever used to log into the account. And I've never had any failed attempts to log into the account. Considering I use biometric lag in methods to log into the account every single time. Additional in my opinion is no reason to close a customer 's account. Representative that I had spoken to also stated that because my initial deposit into the account was returned for insufficient funds That that was another reason. They were closing the account even though I had opted to fund my account using another method. So my account was funded. 
Regardless of of the initial funding, having failed, which was just an honest mistake. In not having enough funds in the account when they had initiated the transfer mind. You the account where the transfer was originating from. Was it an account that was also in my name which I'm sure they verified All in all they were absolutely Overstepping their power. And for reasons that I am unaware of have closed my account even though nothing suspicious has taken place. Whatsoever. And there is no evidence. 
To support their claim. 
And if there is any evidence they sure failed to provide that to me upon my request

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