vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Climb Credit Inc.
State: NY

Complaint narrative:
I have previously filled a complaint with you about Climb Credit which has not been resolved. See complaint # XXXX. 
XX/XX/XXXX I received a letter from Climb Credit telling me I had a student loan for {$7800.00}. I called Climb Credit on XX/XX/XXXX and spoke to agent XXXX # XXXX and told him this was not my loan and this was fraud and asked him to send me a fraud packet which he did. I sent this packet back on XXXX XXXX by registered mail. I called again XX/XX/XXXX and spoke to XXXX agent # XXXX telling her this was not my loan and I was disputing it. 
Climb Credit replied to my first complaint saying I should talk to XXXX XXXX which I did and the number I was given was to Climb Credit and not XXXX XXXX. I called Climb Credit and talked to agent XXXX # XXXX and he said I could send the fraud complaint to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which I did XX/XX/XXXX by certified mail and this was delivered. I received a letter XX/XX/XXXX saying I still had the loan and I now had outstanding interest of {$220.00} loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: MD

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Ability Recovery Services regarding a collection account they are reporting on my credit report for an alleged debt owed to XXXX XXXX  in the amount of {$6100.00}. 

I formally dispute this account. I have no knowledge of this debt, and I have not received proper validation of this alleged obligation as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Despite this, Ability Recovery Services continues to report this account as an active collection, causing significant harm to my credit profile. The account is marked as consumer disputes this account, yet the collection remains and is being reported as past due. This is inaccurate, misleading, and a violation of my consumer rights. 

Specifically : I have never received a validation letter or proof that this debt belongs to me. 

I have not been provided documentation showing how this balance was calculated. 

The account continues to report monthly as a collection despite being disputed. 

The reporting is damaging my ability to obtain financial aid and educational funding. 

Under the FDCPA and FCRA, a debt collector must cease collection activity and reporting until proper validation is provided when a consumer disputes a debt. Ability Recovery Services has failed to comply with these requirements. 

I am requesting the following resolution : Immediate removal of this collection account from all credit reporting agencies.

Full validation of the alleged debt, including original contract, itemized billing, and proof of assignment from XXXX XXXX. 

Confirmation in writing that this account has been deleted or properly validated. 

This inaccurate reporting is causing financial and educational hardship, and I respectfully request the CFPBs assistance in resolving this 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 2026-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IN

Complaint narrative:
Mohela has received monthly payments from me in the amount of {$290.00} every month for over a year and has allocated the money appropriately once the funds are automatically received. Recently, I have been told that two of my loans are behind on payment, but this is due to MOHELA not allocating my loans appropriately after they have been automatically paid. I have tried calling MOHELA twice to resolve the issue and have gotten no further than the agent saying they would escalated further. This has not resulted in a resolution, and my account is still showing past due payments, which are the result of MOHELA not allocating the payments correctly.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MD

Complaint narrative:
I have unauthorized charges on my chime account. I field a dispute they couldnt tell me what the merchant was and they wont give me a refund

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: IL

Complaint narrative:
On XX/XX/scrub> XXXX XXXX XXXX XXXXXXXX attempted to charge off an unproven and unpaid bill that is not mine. This debt was managed and sold to a third party vendor without my consent. With their poor choices in leadership, my personal information was caught in a data breach that has forced my credit to go down and I currently have a claim with the Federal Trade Commission for Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: Block, Inc.
State: FL

Complaint narrative:
Cash App is holding XXXX funds in a sponsored minor account. The investment feature requires approval, but approval is repeatedly denied due to closure of the sponsors investment account. Support has been unresponsive and keeps looping troubleshooting steps already completed. I am requesting liquidation of the XXXX  and release of funds to the sponsored account balance. No trading or investment access requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ZWICKER & ASSOCIATES
State: CA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Re : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX Account # : XXXX Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW 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 VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. And is there Bill of sale A forward flow agreement Unbroken verifiable valid chain of title from the original creditor where the money originated from FDC violation of not doing arbitration Lack of standing not having all information needed to move forward with case 15 usc 1692 g Full detailed list of the payment history Original signature on the contract Has there been any insurance claim found on this account on this debt Chain of title PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
I filed a complaint previously and when the company responded they provided my grandfathers address we have the same first and last name. He is XXXX XXXX XXXX, I am XXXX XXXX XXXX. I briefly lived at that address approximately 20 years ago. The original creditor XXXX I had an account at my old address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from XXXX when I moved to my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Its not my account the address they provided was my grandfathers. I believe they are debt tagging which is a violation of fcra and fcra

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
My RV loand was paid in full XX/XX/year> I called M & T bank to change the address as there is no option to do so in their online banking portal. 
They refused to change my address unless I provided my employer information, job title, and income. They claimed this was to be in compliance with the XXXX XXXX, I informed them that I could verify my address and identity with a scan of my drivers license, lease, and/or utility bill, and that were not required to gather information about my employment. 

They refused to change the address, and said that in about XXXX business days they would mail the release of lein to an address I have not lived at in 6 months, so I will not get it. They further refused to provide any proof of payment or XXXX balance on my account. 

I have recently changed my address with XXXX other banks/loans and did not have to prove anything, and had all documents I requested in a matter of days.

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 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
Dear Bank of America, This is XXXX XXXX. 



Im reaching out regarding a claim related to fraudulent activity that began on XX/XX/year>, when a fraudulent bank account was added to my XXXX  account without authorization. I would like to confirm that the system was not compromised, but the person who created an account through your banking institution to commit fraud gained access to my account externally, via my email. 

The following internal actions have already been taken by XXXX and XXXX : -The misdirected funds have been marked as fraudulent. 
-An ACH reversal was attempted to recover the funds, though it failed. 

-The bank account used by the fraudulent actor has been blocked in XXXX 's system. 



Through XXXX, reversals were initiated, but the funds couldnt be recovered as they had already been withdrawn from the Bank of America account ending in XXXX. The amount of funds fraudulently deposited is {$8900.00}. 


We are seeking the funds that were fraudulently deposited in your bank to be returned to me in accordance with the Electronic Funds Transfer Act ( EFTA ) Section 205.2 ( m ), which covers unauthorized or incorrect electronic fund transfers ( EFTs ), as theft was initiated through your banking institution. 



Below is the full account information for the fraudulent account, which we received after fraud was confirmed by the payment processor. Thank you for working with me to right this wrong. Please let us know if you need any further information. 



Account Number : XXXX Routing Number : XXXX Trace Number : XXXX, XXXX, XXXX, XXXX Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Stellantis Financial Services US Corp.
State: IL

Complaint narrative:
On XX/XX/XXXX at XXXX AM in the morning the tow truck driver approached my home with the lights flashing on the neighbors home flashed into my home woke up my house. People were started hollering somebody to tow truck driver is still in the truck still in the car, the car was visual. I didnt understand. Why was the lights flashing into our home woke up my grand my granddaughter shes XXXX XXXX  from the way everything transpired I have witnessed statements from my neighbor stating that it was a public disturbance and that they think the tow truck driver flashing lights on my home once again the car was in visual. There was no need for the tow truck driver to have lights on when he didnt have a vehicle on the car on the tow truck.A. Illinois Vehicle Code ( 625 ILCS 5/ ) Repossession is allowed only after default, but it must be done without breaching the peace. 
Key point : Breach of the peace includes : Threatening or intimidating behavior Harassment toward the borrower or neighbors Any action likely to cause public disturbance Even non-physical acts, like shining a bright spotlight into a home, can qualify.Act ( FCRA, 15 U.S.C. 1681 ) This is federal, but Illinois AG often considers it. 
If the lender reported repossession before it happened, thats a false statement on your credit report. 
The law says : Information on a consumers credit report must be complete and accurate. I received a call from XXXX XXXX stating that it was an ongoing investigation even though my side was closed and that they have that and that they reported a repossession on XX/XX/XXXX, XXXX and as you can see in this video where the tow truck driver reaches on his right side and turn the light on and off and also when he let out his arms on her to tow the car, he made a loud noise in the car was visual so I didnt understand. What was the light on the home was about. There was no car on the tow truck when the driver had the lights on. The tow shop company is XXXX XXXX XXXX in XXXX Illinois. I do have a video. I dont know if it you know you can see the complete image, but I do have a video and I will give it to whatever regulator that needs 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 2026-01-29 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: TX

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : CHARGED OFF : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX FIN Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$1500.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX LATE PAYMENT : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: MO

Complaint narrative:
I am submitting a formal complaint regarding Aldous and Associates ' failure to validate an alleged debt. 

I formally disputed this debt in writing and requested full validation, including an itemized statement of charges. Aldous and Associates did not provide validation. Instead, they only sent a copy of a contract, which does not constitute debt verification under the Fair Debt Collection Practices Act ( FDCPA ). 

Additionally, the collection agency provided inconsistent information regarding the origin date of the alleged debt, first stating it was from XX/XX/year> and later claiming it originated in XX/XX/year>. No Itemized charges, billing history, or explanation of the alleged balance has been provided. 

Despite my written dispute, the agency has failed to properly validate the debt and has attempted to shift the burden back onto me by instructing me to submit another request. 

I am requesting that this matter be reviewed for potential violations of the FDCPA, including failure to validate a disputed debt and misrepresentation of the alleged obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: CT

Complaint narrative:
I have an overdraft in my account and I don't have the overdraft option activated. I called the bank and they didn't give me any solution. They told me that they are transactions that I make but they didn't help me and they didn't give me an answer about how my account was overdrawn if you don't have overdraft insurance Everything happened on : XX/XX/year>

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 2026-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
My federal student loans were transferred to Aidvantage by XXXX XXXX XXXX without my consent. During this transfer, my authorized automatic monthly payments were canceled without notice or authorization, despite sufficient funds being available. 

I had been enrolled in automatic payments for several years and never missed a payment prior to this transfer. I did not request cancellation or modification of my repayment setup. 

Since discovering this issue, I have contacted Aidvantage by phone more than XXXX times over approximately XXXX months and submitted a written dispute via their online form and email. I was repeatedly told the issue would be reviewed and that I would receive a call back, but no follow-up occurred. 

As a result of this servicing error, my account has been treated as delinquent and my credit has been harmed through no fault of my own. 

I am prepared to pay the remaining balance in full, but I am requesting written confirmation that all negative credit reporting related to this transfer and unauthorized autopay cancellation will be fully corrected prior to or concurrent with payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding GM Financials failure to provide a complete and accurate accounting of my auto loan and its handling of a payment extension that was mischaracterized as having been made at my request. 

On or about XX/XX/XXXX, I submitted a written request to GM Financial for a full, itemized, and verified accounting of my auto loan. This request specifically asked for a complete amortization schedule from loan inception to present, a full payment history, the allocation of each payment to principal, interest, and any fees or add-on products, the interest rate and daily accrual method, cumulative interest charged to date, identification of any capitalized fees or balance adjustments, and a fully itemized payoff amount. 

After receiving no written response, I sent a follow-up email reiterating the request and allowing a reasonable response period of fifteen ( 15 ) days. More than fifteen days have passed. GM Financial has not provided the requested accounting in writing. I received only a phone call and a limited summary, which I expressly stated was insufficient and accepted only provisionally. No written disclosures have been produced. 

Separately, GM Financial sent a written letter dated XX/XX/XXXX, stating that a two-month payment extension was processed per your request. This statement is inaccurate. I did not request a loan extension. The extension was suggested by a GM Financial representative after I disclosed a hardship. I did not provide written authorization for any loan modification, re-amortization, interest capitalization, or balance adjustment. 

The letter confirms that the loan maturity date was changed and that interest continued to accrue during the extension period, with payments applied to interest before principal. However, GM Financial has refused to provide any revised amortization schedule, accounting ledger, or written explanation showing how this extension affected interest accrual, principal reduction, total finance charges, or the current balance. 

The loan originated at approximately {$42000.00}. I have paid approximately {$27000.00} to date, yet the principal balance has been reduced by only approximately {$4000.00}. GM Financial has not reconciled this discrepancy through proper accounting disclosure despite repeated written requests. 

I am requesting assistance to require GM Financial to provide a complete, accurate, and written accounting of my loan, including the effects of the extension, and to review whether the mischaracterization of borrower authorization and refusal to disclose accounting information constitute improper loan servicing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I went through a debt settlement company to help me with my debt a few years back. One of those accounts was a Capital One XXXX credit card. The agreed upon settlement amount was {$1900.00}. I came into some money and arranged to pay off the remaining balance of my debt and entered into escrow to purchase a home. The mortgage company required that I obtain letters from 3 companies that showed up on my credit report, saying that my accounts have been resolved. 2 of the companies provided those letters, but Capital One has given me the run-around for the past 2 weeks and refuses to send the letter. I have done everything that they have asked of me, and when I call back to inquire as to where the letter is, I am told a different story and asked to do different things. I am supposed to close escrow on XX/XX/2026, but that won't happen unless I get this letter from Capital One. I have escalated my request 3 times now, and no one has called me, but they claim to have tried to call me, which is false. My phone has never rung, and they keep telling me a different story each time I call to talk to a supervisor/manager.

Company response to consumer: Closed with monetary relief