vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: OK

Complaint narrative:
i had bought a car at XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, OK on XX/XX/year>, its a XXXX XXXX XXXX XXXX, it was all good till my loan company TD Auto Finance was saying i didnt make payments for XXXX, XXXX and XXXX, which i did and have bank statements and payment receipts that say i did, i made a complain to my attorney general about the dealership and how the did a big illegal thing with how they went about getting the loan approved, then my credit report says that my loan had been paid off, i called TD and asked about it and infact they said it was paid off and i have the call recorded of it, but they gave me false information and it was sold back to the dealership after i threatened to sue them for the false reporting when i gave information of the payments being paid to them, and now the dealership is trying to make me take back the car because my previous loan said i was behind which is indeed false

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My account of 12 years was charged off with no notifications or communications. I received no mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Complaint Summary : Aidvantage refused to provide my existing IDR payment count, despite multiple clear requests and despite the fact that the SAVE injunction does not prevent disclosure of existing data. They repeatedly cited the injunction as a reason they can not view my count, even after I clarified I was not requesting a future update. This is a servicing violation. Full Complaint : I requested my current IDR payment count from Aidvantage, specifically the count stored in their internal IDR tracking file, which includes repayment, forbearance, and deferment months accumulated under the IDR Account Adjustment. I made it clear that I was not requesting a future SAVE/RAP update. I requested only the existing count already on file, which servicers are required to disclose upon request. Aidvantage repeatedly responded with the SAVE injunction script, stating that IDR counts are temporarily unavailable. I clarified multiple times that the injunction only pauses future updates, not access to existing historical counts. Despite this, Aidvantage refused to provide my existing IDR count. Their final statement was : We are not able to provide any current IDR payment counters at this time. This is a refusal, not an inability. They did not state that the count does not exist, only that they will not provide it. This refusal violates borrower information rights and prevents me from verifying my eligibility for IDR forgiveness and refunds. I am requesting that the CFPB require Aidvantage to : Provide my current IDR payment count Provide the breakdown of counted repayment, forbearance, and deferment months Confirm whether my account has been reviewed under the IDR Account Adjustment Correct any servicing errors preventing access to my existing data I am attaching the full chat transcript showing the refusal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: LA

Complaint narrative:
UPON THOROUGH CREDIT REPORT REVIEW, I UNCOVERED UNAUTHORIZED ACCOUNTS, INDICATIVE OF POTENTIAL FRAUD. A FORMAL COMPLAINT WITH THE FTC HAS BEEN LODGED, ADDRESSING THIS SEVERE BREACH OF PERSONAL INFORMATION. I INSIST ON THE IMMEDIATE REMOVAL OF ALL UNAUTHORIZED INFORMATION FROM MY CREDIT REPORTS, GIVEN THE EQUIFAX DATA BREACH IDENTITY THEFT AND ONGOING FTC INVESTIGATION. UNDER FCRA SECTION 605B, BLOCK ANY AND ALL DISPUTED ACCOUNTS DURING THIS INVESTIGATION. COMPLIANCE IS EXPECTED TO SAFEGUARD MY RIGHTS AND ENSURE CREDIT REPORT ACCURACY. ASSERTING MY RIGHTS UNDER 15USC1681A, 15USC1681B, 15USC1666B AND 15USC1692G, I DEMAND THE IMMEDIATE DELETION OF ANY AND ALL CONTESTED INFORMATION AND CESSATION OF REPORTING ACTIVITIES. THIS MATTER REQUIRES URGENT ATTENTION AND SWIFT RESOLUTION. FAILURE TO COMPLY WILL PROMPT LEGAL ACTION TO PROTECT MY RIGHTS AND SEEK REDRESS FOR HARM CAUSED. PROMPT CORRECTIVE ACTION IS ANTICIPATED. 1. The inquiry was not authorized XXXX XX/XX/year> Please remove it from my credit report. 2. The inquiry was not authorized XXXX XX/XX/year> Please remove it from my credit report. 3. The inquiry was not authorized XXXX XXXX XX/XX/year> Please remove it from my credit report. 4. Validate Account XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 5. Validate Account XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 6. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX LA XXXX 8. The following personal information is incorrect Employers : XXXX XXXX XXXX 9. The following personal information is incorrect Employers : XXXX XXXX 10. The following personal information is incorrect Employers : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX I filed a claim because XXXX XXXX charged me {$230.00} instead of what was on my receipt which should have been {$180.00}. XX/XX/XXXX Chase bank gave me a credit for the difference which was {$43.00}. Claim was then ruled in my favor. XX/XX/XXXX, chase bank sent me a letter stating they charged my account {$180.00}. The name under the transaction is labeled XXXX XXXX but they are not the ones who took the money. I have made multiple calls and claims to Chase with every agent telling me I will be getting my money back but they all end up the same way, days later a letter is sent to me stating no action will be taken. There was no reason for that money to be taken out since the provisional credit they gave me was only {$43.00} and the XXXX claim was in my favor. Nobody can tell me why the money was taken and they also wont give it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I was enrolled in a mortgage forbearance plan that ended on XX/XX/XXXX. Upon the conclusion of the forbearance period, I was not contacted by the servicer with a clear repayment plan, repayment options, or notification that a full payment would be due on XX/XX/XXXX. Despite the forbearance ending on XX/XX/XXXX, I was not provided adequate notice or a post-forbearance resolution plan prior to the XXXX payment due date. On XX/XX/XXXX, the servicer reported my account as delinquent for the XXXX payment. This delinquency mark was placed on my credit report without the servicer first offering or presenting post-forbearance repayment options, as is generally expected practice and consistent with CFPB servicing guidelines. I am requesting that the servicer remove the delinquency from my credit report, as the missed XXXX payment was a direct result of inadequate communication and failure to provide a post-forbearance repayment plan prior to the end of the forbearance period.

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 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCSPLUS INCORPORATED
State: GA

Complaint narrative:
My XXXX XXXX XXXX XXXX XXXX XXXX, managed by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA ) referred my account to XXXX XXXX XXXX XXXX for collections. The entire debt stems from a {$25.00} leasing administration fine issued on XX/XX/year>. I do not have a tenant and have never leased my property. This fine was issued in error. My annual HOA fee is {$400.00}. By the time XXXX received my account the balance had grown to {$790.00} with no clear itemized explanation. XXXX then added a {$130.00} setup fee and a 25 % contingency fee ( {$190.00} ), bringing the total to {$710.00} still allegedly owed. I disputed this debt in writing via email to XXXX XXXX XXXX XXXX ( XXXX ) on XXXX XXXX and also sent formal certified mail dispute letters to both XXXX and XXXX XXXX XXXX. I am disputing the full amount based on the following : The original {$25.00} fine was issued in error I have no tenant and have never leased my property The balance of {$790.00} was never itemized or explained The {$130.00} setup fee was not clearly authorized in governing documents The 25 % contingency fee is calculated on an inflated and erroneous balance I was denied the ability to resolve this directly with the HOA Account Number : XXXX Property : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX GA XXXX, XXXX Property XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Well, Wells Fargo refuse give me an auto loan. I have one loan paid off with them. Im in XXXX, Wells Fargo refuse give me an auto loan. I have one loan paid off with them. Im in a loan with them now loan Went to go train the car ran and he refused to finance me for a new loan for used vehicle they are being biased based on unauthorized information they fit that its a letter generated to determine ones credit worthiness. I pay on my loan that I have with them on time. My loan date is the XXXX each month and had not missed a payment since I purchased my vehicle back into 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 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: VA

Complaint narrative:
The account was fully paid on XX/XX/year>. Despite the balance being satisfied, PNC continues reporting the account in a derogatory manner that does not accurately reflect the current status of the obligation. Specifically, the account continues to reflect written off or charged-off language in a way that continues to cause substantial ongoing harm to my credit profile and housing opportunities, despite the account no longer carrying an outstanding balance. I have made repeated good-faith efforts to resolve this matter directly with PNC, including contacting the bank and submitting supporting documentation regarding the payoff status of the account. However, the reporting remains materially damaging and does not appear to fairly or accurately communicate that the obligation has been fully satisfied. I am requesting that PNC : Note the account as ONLY Paid, closed. The amount can not be written off as I have paid it in full. Ensure the account clearly reflects that the balance has been paid in full and is no longer an active unresolved obligation. This issue is significantly impacting my ability to obtain housing and rebuild my financial standing despite my efforts to responsibly resolve the debt. I respectfully request a thorough review of this matter and correction of any reporting that is inaccurate, incomplete, or misleading under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Complaint Against Bank of America I am filing a complaint regarding two mistaken XXXX transfers totaling {$1100.00} that were sent to a Bank of America customer and allegedly formally rejected/disputed by that customer, but the funds have never been returned to me. Timeline of events : XX/XX/2026 I mistakenly sent a XXXX payment of {$200.00} to the wrong recipient. Payment ID : XXXX XX/XX/2026 I mistakenly sent a second XXXX payment of {$900.00} to the same incorrect recipient. Payment ID : XXXX The intended recipient was my gardener, XXXX XXXX. However, I accidentally sent the payments to XXXX XXXX ( registered with XXXX with phone number XXXX ( XXXX ) XXXX ), whose number remained in my contacts from a prior tile purchase transaction years earlier. After discovering the mistake, I immediately contacted the recipient and also opened a claim with XXXX. The recipient later informed me that he contacted Bank of America and formally disputed/rejected the credits. He stated that Bank of America processed the disputes and removed the funds from his account. The following information was later provided to me : Claim # XXXX ( {$900.00} ) Claim # XXXX ( {$200.00} ) Internal processing reference : XXXX XXXX XXXX The recipient also provided screenshots indicating that the funds had left his account. However, the funds were never returned to my originating bank account at XXXX XXXX XXXX XXXX. My bank states that it can not trace the returned funds because XXXX transactions do not use ACH trace numbers. As a result, the funds appear to have disappeared after allegedly leaving the recipients Bank of America account. The recipient formally rejected/disputed the funds through Bank of America , the funds allegedly left the recipients account, but the originating institution states it can not trace the returned funds because it incorrectly seeks ACH trace numbers for a XXXX network transfer. I am requesting that Bank of America : Confirm whether the disputes/rejections were actually processed ; Confirm whether the funds were debited from the recipients account ; Identify where the debited funds were transmitted after removal from the recipients account ; Provide all available XXXX network transaction references associated with the return/reversal ; Coordinate directly with XXXX XXXX XXXX XXXX to resolve the missing funds issue. I have made extensive good-faith efforts to resolve this matter directly with both institutions since XX/XX/2026, but the {$1100.00} remains missing.

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 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: MI

Complaint narrative:
On or about XX/XX/year>, I received a single telephone call from a representative of I.C. System, Inc. claiming I owed a debt originated by XXXX XXXX XXXX related to a pet wellness plan ( my dog passed away, and I had attempted to cancel the plan with XXXX before losing the autopay card on file ). During that call, I informed the representative that I was willing to pay any legitimate balance owed but required written validation of the debt before doing so, as is my right under the FDCPA. I never received any written validation notice from I.C. System no 5-day initial notice under 15 U.S.C. 1692g ( a ), no Regulation F validation notice under 12 C.F.R. 1006.34, and no itemization of the alleged {$410.00} balance. There has been no written communication from I.C. System of any kind at the address on file. Despite never providing written validation, I.C. System furnished this account as a collection tradeline tXXXX XXXX I first discovered the tradeline on XX/XX/year>. The account number shown is XXXX, with an original balance of {$410.00} and a " date opened '' of XX/XX/year>. On XXXX, I contacted I.C. System at XXXX and offered to pay the full {$410.00} in exchange for a written agreement that the tradeline would be deleted from all three consumer reporting agencies. The representative stated that I.C. System would remove the tradeline 3045 days after payment but refused to provide any written confirmation or email documentation of this commitment. I was unwilling to remit payment based solely on a verbal promise. I am simultaneously sending I.C. System a formal debt validation letter by certified mail and filing direct disputes with all three credit bureaus.

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 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Upstart Holdings, Inc.
State: SC

Complaint narrative:
Upstart, someone tried to get a personal loan didnt pay their debt and then they tried to blame me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicing Solutions, LLC
State: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I write in response to American Expresss letter dated XX/XX/year> ( CFPB XXXX XXXX. XXXX ; Ref : XXXX ), which maintains the denial of the approximately {$20.00} statement credit under the XXXX in the XXXX promotional offer. This response addresses only that denial. American Expresss XX/XX/XXXX letter introduces a materially new claim : that a location finder was available during the offer period, that it is no longer active following the promotions expiration, and that American Express reviewed my transactions against participation records maintained for the offer period. This is the first time American Express has disclosed that internal participation records exist. I did not have access to those records when I submitted my dispute, and American Express has not produced them at any point in this complaint process. Given that this matter has required multiple CFPB complaints to reach even partial resolution, I can not in good faith accept American Expresss assertion that it has accurately validated the merchant participation status of my transactions. That determination was made internally, on the basis of records American Express has not disclosed, through a process I have had no opportunity to observe or challenge. The history of this dispute does not support extending deference to American Expresss unilateral conclusions. American Expresss obligation to investigate billing error claims is not satisfied by a bare assertion that internal records support denial. Under Regulation Z, 12 C.F.R. 1026.13, a card issuer must conduct a reasonable investigation of a disputed billing error and provide the cardholder with a written explanation of its findings, including the basis for its determination. Where, as here, the denial rests entirely on internal participation records, a reasonable investigation requires that those records be disclosed so the cardholder can meaningfully evaluate and, if warranted, rebut the issuers conclusion. Additionally, the Consumer Financial Protection Act prohibits unfair and deceptive acts or practices, 12 U.S.C. 5531 and 5536, and American Expresss practice of denying promotional credits based on undisclosed internal records while operating a broken and now-defunct verification tool is precisely the kind of conduct those provisions are designed to address.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
My checking and savings accounts were closed by Capital One on XX/XX/year> and XX/XX/year> respectively. This was due to identify verification requirements ; at the time I was not in possession of my birth certificate or social security card as these had been left with and lost by my parents while at college. I was informed that a check would be mailed to my associated address. More than XXXX months have passed and I have not received my account balance. This is causing increasing distress as attempts to contact Capital One about the issue have failed.

Company response to consumer: Closed with explanation