vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services
State: WA

Complaint narrative:
I have tried calling Ed Financial, which is what these XXXXwo student loans are listed under, and can not get through to a human. My credit reports state these belong to someone who lives in AZ, I do not and have not lived there. Now I have a collection agency calling and trying to verify my DOB and address for other loans or issues connected to the AZ address and wrong DOB. I have tried to solve this through XXXX  and XXXX  to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
Monterey Financial and XXXX XXXX demonstrated extremely unprofessional and disrespectful conduct during my interactions with them. I was repeatedly threatened with legal action if the alleged debt was not paid immediately, which felt intimidating and inappropriate. I was also provided with false and inconsistent information from representatives on both sides, leading to confusion and frustration. When I attempted to settle the matter by offering a {$1000.00} and a payment plan, my request was dismissed and I was told this was not allowed under the contract, despite no such limitation being clearly stated. Additionally, I was never informed that the debt would accrue a daily charge of {$0.00}, as this was not disclosed in the contract. I never received any emails or mailed notices regarding this debt prior to these communications. Overall, the customer service was highly unprofessional, and no representative seemed to fully understand or clearly explain the situation, which made resolving the issue unnecessarily difficult.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
around XX/XX/XXXX, I signed a contract with an online company and I was working for them for around XXXX weeks sending emails and then they started sending me checks to send to XXXX XXXX to send a bitcoin and I did not know they were fraudulent checks but I was scared because I didnt want to lose the job so I did it. And now the bank is not cooperating with me and Ive tried to reach out try to ask someone to do how to help me and they are not cooperating at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zip Co US Inc.
State: NY

Complaint narrative:
On XX/XX/year> I received the attached letter in the XXXX mail dated XX/XX/year> from a collection agency called XXXX saying that they are contacting me to collect a dept for {$540.00} for a creditor called Zip. 

I called both inDebted and Zip the day I got the letter and told them that I have no relationship whatsoever with Zip and have never purchased any goods or services from them. I asked XXXX and Zip to adjust their records accordingly. 

I was told by XXXX that I would get a follow up email from them which have not yet got. 

Since I did not have XXXX 's response I emailed and mailed them the attached letter dated XX/XX/year> disputing the debt. 

I currently have an email from Zip dated XX/XX/year>, which I have not yet responded to, asking if I have reported the fraudulent account to authorities. I'm waiting to submit this complaint to you before I reply to Zip Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: KY

Complaint narrative:
At XXXX XXXX  on XX/XX/year> I received an email alerting me of a purchase that was made exceeding a {$1.00}. I checked my account ( XXXX XXXX ) and an unknown charge/purchase of {$49.00} was made on XX/XX/year> at XXXX XXXX XXXX XXXX XXXX XXXX 

I tried to contact XXXX different numbers. The one on the back of the card results in a beeping buzzing sound. The other number says my information is wrong or unauthorized. I don't know if that's because it won't let me activate my card because Everytime I put my information in it says there's an error. 

I am contacting the CFPB because I can't get hold of XXXX XXXX. 

To be clear, I want this unknown charge/purchase of {$49.00} made on XX/XX/year> removed and the {$49.00} be put back on my card.

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 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Received an email stating that I was attempting to open a checking and savings account. Called U.S. Bank and let them know I was not attempting to open an account ant that it was. Spoke with the fraud department and they took my 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 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I was overcharged for a XXXX XXXX in XXXX XXXX XXXX use XXXX I used my Navy Federal Card to pay {$29.00} for the ride. The driver used XXXX and told me I would receive a receipt from XXXX. I did not receive a receipt. I checked my bank online and discovered a XXXX charge for the ride. I immediately requested a hold with Navy Federal. They paid it anyway and denied my claim stating the charge was legit. I request a challenge to the payment and have not heard back from the bank. XXXX and XXXX both said they don't track these payments either???? How is that possible?

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 2026-01-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I filed a report years ago with the CFPB and Bank of America reported that the account was closed and the account was at a XXXX balance. I recently found out they have reinserted that $ XXXX debt after my CFPB complaint was closed. The complaint is still on file and I am now opening another complaint. Bank of America did not notify me that the debt would be reinserted and that is an FCRA violation under the fair credit reporting act U.S.C. 1681i ( a ) ( XXXX ) ( B ).

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 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Spoke to XXXX XXXX XXXX  ( XX/XX/XXXX & XX/XX/XXXX ) times asking for XXXX XXXX interest free promotional financing offer. XXXX XXXX stated the retailer can apply it. Retailer stated yes, we can do it in person. When we went in person, the retailer did not know why they were not able to select it as an offer. Called care credit back to have them change it and was told that they can not because the retailer did not offer it to us. If we provide documentation to care credit they can apply it. The manager could not tell me clearly what documents he needed to show that I am eligible for XXXX mos interest free financing nor could he provide documentation stating I was not eligible. I am asking to have the XXXX mos interest free financing they offer on purchases over {$200.00}. My purchase was for {$5600.00}. this is deceptive advertising. Not to mention interest charges of 32.99 %. please help.

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 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code XXXX - XXXX of investigation consumer report ; you are in violation.

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 2026-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CT

Complaint narrative:
Acct # XXXX I am submitting this complaint to dispute an inaccurate collection account being reported on my credit report by Fair Collections and Outsourcing ( XXXX ) on behalf of XXXX XXXX XXXX XXXX, New Jersey. I was a co-signer on an original residential lease in XXXX  for my parents. That lease expired at the end of its original term. I did not sign any renewal, extension, or new lease agreement. After the original lease expired, my father entered into a month-to-month tenancy. I was not a party to that arrangement and did not provide written or verbal consent to assume any ongoing financial responsibility beyond the original lease term. Despite this, XXXX has reported a collection account in my name for charges allegedly incurred after the lease expiration. I dispute this debt in full, as I have no legal obligation for a month-to-month tenancy that I did not agree to or sign. The reporting of this account is inaccurate and misleading and does not reflect my true legal responsibility. I am requesting that : XXXX and XXXX XXXX XXXX XXXX provide written proof that I agreed to any lease renewal or month-to-month obligation, or The collection account be removed from my credit report immediately If no such documentation exists, continued reporting violates the Fair Credit Reporting Act. I respectfully request that the CFPB investigate this matter and require correction of my credit report. Sincerely, 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 2026-01-23 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
Nissan XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nissan XXXX  cashed my XXXX buy out check of frontier pickup XXXX XXXX have sent them all e- mail information they wanted from resurgent capital many times .i have been trying to buy truck since XXXX of XXXX, they have my money and all receipts of payment, please help get m title or money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SERVICEMAC, LLC
State: CA

Complaint narrative:
I am XXXX XXXX XXXX a XXXX XXXX XXXX veteran I am submitting this formal complaint regarding the servicing of my VA-guaranteed home loan by Service Mac . My loan number is XXXX. I am a XXXX veteran, the actions taken by the server during a period of medical XXXX caused by head injury resulted in substantial financial harm and raised serious concerns regarding compliance with VA loan servicing requirements and good-faith loss mitigation standards. 

At the time I sought assistance, I was XXXX XXXX and experiencing hardship. Rather than offering assistance consistent with VA loss mitigation policies, the server implemented a loan modification that ; Extended the loan by approximately 10 additional years, Increased the interest rate, changed my monthly mortgage payment, Increased the overall cost of my loan, and changed the loan to a fixed rate.

The modification was presented as assistance but placed me in a materially worse financial position. I was not provided meaningful alternatives, clear disclosures, or an adequate explanation of how this modification complied with VA requirements. Given my medical condition at the time, I am especially concerned that informed and voluntary consent was neither properly obtained nor reasonably ensured.

VA loan servicing guidance emphasizes retention options that avoid unnecessary financial harm to the veteran borrower. A modification that increases the interest rate, lengthens the term, and raises the total loan cost - during a period of disability -does not appear consistent with the VA 's intent or servicing standards. 

Sincerely XXXX XXXX XXXX VA Loan Borrower XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX loan number 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 2026-01-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Credit Fresh Holdings Inc
State: NJ

Complaint narrative:
On XX/XX/year>. I paid off my loan in full ( {$2000.00} ). Apparently, there was a payment of {$120.00} processing on XX/XX/year>. When I made the payment, the {$120.00} got returned to my bank for some reason ( CreditFresh claims it was because of insufficient funds, but I just paid the loan in full ). On XX/XX/year> I tried to make a withdrawal to cover some minor expenses but when I logged on to my account, that option was not available and it said " Please call us to restore your account ''. I called, wondering why my account was locked, and they told me that because my account was in delinquent status when I tried to make a withdrawal, their system flagged my account with fraud and I am unable to make any withdraws for three months. I just paid off the entire loan .. and they continue to ask me for the {$120.00} and tell me that if its not paid within 30 days it will affect my credit. I'm not sure what practices they have in place but this seems unethical and wrong and I need to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am submitting this complaint regarding XXXX, acting on behalf of XXXX XXXX XXXX XXXX, for sending me a bill and attempting to collect a debt that is invalid, misrepresented, and already discharged through bankruptcy. XXXX  actions constitute violations of federal and state consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and N.C. Gen. Stat. 42-52.

I vacated the apartment at XXXX XXXX XXXX XXXX on XX/XX/year>, and provided a forwarding address to XXXX XXXX on XX/XX/year>. 

XXXX XXXX XXXX XXXX failed to provide an itemized move-out statement within 30 days, as required under N.C. Gen. Stat. 42-52. 

On XX/XX/year>, I received the move-out statement, which misrepresented charges : Cleaning Fee : {$220.00} instead of {$95.00} Damages : {$2700.00} Security Deposit : {$0.00} I filed XXXX XXXX XXXX on XX/XX/year>, listing this debt. The debt was discharged. 

Despite this, XXXX XXXX XXXX XXXX and XXXX attempted to collect the debt, causing emotional distress, as I was aware the debt had already been discharged. 

XXXX disclosed my financial information to a third-party debt collector without authorization, violating my privacy and federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
I attempted to make a payment on truist banks phone automated system, and it did not properly record the payment. Truist bank then charged me a fee of XXXX $ for " refunding a payment '' that did not go through. Talking with them yielded no results. A proper payment was made the day after but I am still being charged 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 2026-01-23 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: KY

Complaint narrative:
On XX/XX/XXXX my XXXX  account was suddenly blocked after I reset my password. They gave no reason for the block. They requested that I upload my state issued ID which I did immediately. Then they requested that I submit a statement which I also did and still did not unblock my account or give me a reason why it was even blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year> I ordered a pair of XXXX XXXX XXXX from XXXX XXXX XXXX XXXX a company out of XXXX XXXX XXXX. During this transaction I use my Capital One Quicksilver credit card. Immediately upon receiving this item it was broken and unusable. I reached out to XXXX XXXX XXXX XXXX and they ignored me entirely. I then went ahead and called Capital One to file a dispute. Capital One took my information and provided a temporary provisional credit. It wasn't until I found the dispute that XXXX XXXX XXXX finally came through with the refund however that refund was only for {$130.00}. With a missing amount of {$65.00} towards my total purchase. Fast forward a little bit and on XX/XX/XXXX Capital One reversed the provisional credit but did it in two separate amounts. One for {$130.00} and another for {$65.00}. I called Capital One to attempt to redispute the {$65.00} amount as I explained to them the merchant did not keep up to their promise and essentially sent me something broken that has no use or value and because of this it directly breaks the business law in New York as well as the Uniform Commercial Code and that I should have that {$65.00} put back onto my account immediately. Capital One is still refusing to give me my {$65.00} which is the remaining balance I'm owed on the product that arrived broke and unusable but they are trying to say that there is a processing fee in that it was in the buyer 's agreement. I told them that no contract can void any law and that it was illegal for them to honor a processing fee when I was scammed in the first place for the item essentially by receiving a broke unusable item. I have had several conversations with Capital One and they just keep beating around the bush telling me to upload their policy and my conversation Etc which I've already done that on several occasions and then they still continue to ignore me. Recently they sent me this big packet of nothing to try to justify why they didn't return my {$65.00} which is why I'm reporting to you the cfpb because I want you to see that they are allowing contract to negate law which would be absolutely contrary to the law specifically the business law and the Uniform Commercial Code here in New York state. To Be clear I returned the defective item almost immediately upon receiving it. Thank you I called the company also after this and then for me I need to get a hold of my bank and that they're basically not doing anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
I have receipts of this collection/charge off deleted and they still dont want to take it off after so many times of communication with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
I received a letter from a collection agency stating that I received a ppp loan for a small business. 
I didn't apply for or receive any debt or any deposit in my account from ppp I requested to show me or let me know they deposited to which account number, but nobody answered me.

Company response to consumer: Closed with explanation