vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 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: TX

Complaint narrative:
I applied for Borrowers Defense back in XX/XX/XXXX after attending XXXX XXXX. My loans were placed into forbearance during that time but interest kept accruing the entire time. What I didnt know was that I should have consolidated my loans first, which would have lowered my interest rate and potentially stopped interest from building up. When I called Aidvantage to ask about my options, they told me the setup I had was the BEST option and that consolidating would jeopardize my Borrowers Defense application. I trusted that advice and left everything as-is. Fast forward to XXXX I finally get the email that my XXXX loans were approved for discharge. Aidvantage then told me I could go ahead and consolidate. But when I did, the forgiven loans werent factored in properly, so my interest rate stayed high. To make it worse, I later found out I could have consolidated my loans well before XXXX meaning the advice I was given in XXXX was wrong. Ive now filed XXXX cases with the Federal Student Aid Ombudsman. Both times, I get a canned response from Aidvantage explaining how interest accrues and then the case is closed. No accountability. No resolution. I feel like I was given bad advice by my loan servicer, followed it in good faith, and am now stuck paying for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
This account is the result of identity theft and does not belong to me. I have never done business with this company and did not authorize this account. I have filed a police report confirming the fraudulent use of my identity. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), reporting or attempting to collect on a fraudulent account is unlawful

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Reviewed banking statement. Received from what appears to be XXXX : {$30.00} return fee on XX/XX/year> {$30.00} return fee on XX/XX/year> XXXX of {$60.00} return fees. Spoke with XXXX, there are no transactions that match this This is a bank/ACH fee from Wells Fargo , but they are denying it is " their fee '', saying they do not charge return fees like this. It is Wells Fargo who charged me, because I did not have enough money in my account to cover the charges. This needs to be reported because the labeling/denial is misleading - XXXX denies it is their charge and Wells Fargo denies it is their charge. I am trying to submit a claim to get these fees waived but neither will admit it is their charge ( it is an ACH fee from Wells Fargo, but they label it as XXXX to make it look like it is XXXX 's fee ). This is fraud. I asked to speak with a representative who specializes in ACH return fees and I was told NO.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Validation of Debt Request - XXXX - XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Steel River Systems, LLC
State: FL

Complaint narrative:
This is a formal notice of willful noncompliance and demand for immediate deletion of inaccurate information being reported on my credit file. The account being reported by Steel River Systems , LLC is factually inaccurate, legally unsupported, and unverifiable as a matter of law. The documentation provided clearly shows that the underlying XXXX XXXX XXXX account is a deposit account ( XXXX checking ), not a credit obligation. The official account statement confirms that the account closed with a {$0.00} balance. Despite this, Steel River Systems , LLC is reporting a balance of {$130.00}. This is a direct contradiction of the original creditors own records and constitutes inaccurate reporting under FCRA 1681e ( b ) and 1681s-2. No signed agreement has been produced establishing any contractual obligation for repayment of an overdraft balance. No documentation has been provided demonstrating that I agreed to any overdraft terms that would legally convert a deposit account into a collectible debt. Further, there has been no competent evidence provided showing a lawful chain of assignment or transfer of ownership from XXXX XXXX XXXX XXXX Steel River Systems , LLC. A mere assertion of ownership is not proof. Without a valid assignment contract, Steel River Systems , LLC has no legal standing to collect or report this account. The so-called validation provided fails entirely under FDCPA 1692g, as it lacks : - Any signed agreement or contract - Any itemized breakdown of the alleged balance - Any legally sufficient proof of ownership or assignment Additionally, a deposit account is not a traditional credit account and can not be reported as such without strict adherence to Metro 2 compliance standards. No such compliance has been demonstrated. The continued reporting of this account, despite clear contradictions and lack of enforceable documentation, constitutes willful and negligent noncompliance with the Fair Credit Reporting Act. This is not a request for investigation. The inaccuracies are evident and documented.

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 2026-03-23 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Issue : Fraud / Scam Authorized Payment Under False Pretenses ( Apple Pay ) Company : Wells Fargo Bank Description : I am filing this complaint regarding Wells Fargos refusal to reimburse me for a fraudulent transaction totaling {$2700.00} that occurred via XXXX XXXX. On [ XX/XX/year> ], I was the victim of a sophisticated impersonation scam. An individual falsely represented themselves as being associated with a legitimate legal/bail process involving a friend of mine who had been arrested. The scammer had detailed and accurate information about my friend, including their legal situation, which made the request appear credible and urgent. As a result of this deception, I was induced to send {$2700.00} from my Wells Fargo bank that was transferred to the impersonator through XXXX XXXX. This was not a voluntary or informed transactionit was authorized under false pretenses due to fraud and misrepresentation. I reported the incident immediately to Wells Fargo and filed a police report. Also, I reported this to XXXX XXXX as well. Despite this, Wells Fargo denied my claim, stating that the transaction was authorized and therefore not eligible for reimbursement. XXXX XXXX also stated that due to the money not being in XXXX XXXX and it was sent ; although I informed not willingly under false pretenses, they also stated they were not able to do anything. However, this situation constitutes fraud. I did not intend to send money to a scammer, and my authorization was obtained through deception. This falls under an authorized push payment scam, where consumers are manipulated into transferring funds. Wells Fargo has a duty to investigate fraud claims thoroughly and protect customers from financial harm caused by scams. Simply denying the claim because the transaction was authorized ignores the fact that the authorization was obtained through fraudulent means. At this time, I am still fighting to have my friend name freed and the money that we need for that ; has been entangled in this fraud. I am requesting that Wells Fargo : 1 Reopen and fully investigate this case as fraud 2 Provide a detailed written explanation of their findings, I am able to send the police report as well 3 Reimburse the {$2700.00} lost due to this scam I will attached my police report and any supporting documentation.

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 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One has been using unlawful practices by over charging on the interest rate which they also have a lawsuit against them now for doing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Subject : Dispute of Inaccurate Information Pursuant to 15 U.S.C. 1681i ( a ) Dear Credit Bureau I am writing to formally dispute inaccurate information that appears on my consumer credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I request a reasonable reinvestigation of the following account : Account Information : Creditor Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX, XXXX. Account Number : XXXX Account Type : Debt Buyer / Collection Account Responsibility : Individual Reported Balance : {$610.00} Date Opened : XX/XX/XXXX Description of Dispute : This account is being reported as a collection account with a balance of {$610.00} past due as of XX/XX/XXXX. I dispute the accuracy, completeness, and verifiability of this account. Specifically, I request that the credit bureau and data furnisher provide competent evidence supporting the following : - Proof that this debt is mine, including a contract bearing my signature - Verification that XXXX XXXX XXXX has the legal right to collect this alleged debt - A complete chain of assignment from the original creditor ( XXXX XXXX XXXX, XXXX. ) to XXXX XXXX XXXX, demonstrating that ownership of the debt has not been broken- Proof that the debt is legally enforceable and within the applicable statute of limitations - Evidence that the furnisher is properly licensed to collect this debt in my state, if required Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of this matter. Please ensure that all information is properly verified with supporting documentationnot merely confirmed through automated processes. Additionally, pursuant to 15 U.S.C. 1681i ( a ) ( 3 ) ( A ), this reinvestigation must be completed within 30 days of receipt of this dispute. If this account can not be verified with sufficient documentation or is found to be inaccurate, incomplete, or unverifiable, I request that it be immediately deleted or corrected from my credit report in accordance with the FCRA. Please provide me with written confirmation of the results of your reinvestigation, including a description of the procedures used to determine the accuracy and completeness of the information. All future correspondence regarding this matter should be sent to the address listed above. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MI

Complaint narrative:
This debt collector has not provided me proper debt validation for this allege debt. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
Validation of Debt Request- JEFFERSON CAPITAL SYSTXXXX XXXX XXXXXX/XX/XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against Achieve Test Prep regarding unjust and unauthorized charges applied to my account. Despite not attending any prep sessions, XXXX XXXX XXXX has continued to enforce a contract and charge me over {$13000.00}. This practice is unfair, deceptive, and potentially violates consumer protection laws. The company is attempting to take advantage of individuals who did not receive the services they paid for, maintaining an active contract solely to extract these excessive fees. Although the unfairness of this situation has been recognized, XXXX XXXX XXXX has failed to cancel the contract or remove the charges.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
This was a debt for XXXX auto insurance it was included in my bankruptcy under the debt collector Caine and weiner for {$240.00}. I called and spoke to XXXX people XXXX supervisor and I was given 3 different courses of action. They said I needed to email them wait for a response and then submit proof. I had done that received no response. I have called now they are saying call my attorney there is no reason they are listed on the discharge. They were included to be removed. They will not provide me a number for that department and will not offer any other assistance to get this taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO.
State: IL

Complaint narrative:
I am filing this complaint against Ford Motor Credit Company regarding a significant and unexplained increase in my monthly auto loan payment. I purchased my vehicle in 2022 under the understanding that my loan had a fixed monthly payment of {$690.00}. At no point did I enter into a hardship program, deferment plan, or agree to any modification that would permanently increase my payment. However, my monthly payment has increased to {$960.00}. This increase was not clearly explained to me, and I do not recall signing or agreeing to any terms that would justify such a substantial change. When I contacted Ford Motor Credit Company for clarification, I was told that there was nothing they could do because I signed the contract. No detailed explanation or breakdown of the increase was provided. As a result of this unexpected and unaffordable increase, I am now 70 days behind on my payments and at risk of repossession. Additionally, my vehicle is currently in the shop, and I am facing a {$2000.00} insurance deductible, which has further impacted my ability to stay current on this loan. I am requesting the following : 1. A full and detailed accounting of my loan, including the original terms and any changes made since origination. 2. Documentation showing where I agreed to any modification that resulted in this increased payment. 3. A review of my account for any errors, improperly added charges, or force-placed insurance. 4. Assistance in restoring my loan to an affordable and reasonable payment based on the original agreement. I believe this situation reflects either a lack of transparency or a potential servicing error, and I am seeking immediate resolution to avoid further financial harm. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
This is card I neve opened it.probably my ex opened without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
Validation of Debt Request - SPRING OAKS CAPITAL - XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 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: NC

Complaint narrative:
I.C. SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure 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 2026-03-23 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am filing a complaint against Synchrony Bank regarding misrepresentation of payment instructions and improper application of payments that resulted in over {$2000.00} in deferred interest charges. In XX/XX/year>, prior to making a payment on my account, my husband contacted Synchrony Bank to ensure we would avoid deferred interest on a promotional balance. He specifically asked what amount we needed to pay and how to ensure the payment was applied to the balance that was nearing its expiration date. The representative instructed my husband to pay a specific amount to avoid interest. He shared that we would making to payments before the promotional due date and the representative said he would male a note on my account. Based on this information my husband made the payments as directed. However, Synchrony Bank later applied my payment across multiple balances instead of applying it to the promotional balance as discussed. As a result, I was charged over {$2000.00} in deferred interest. I contacted Synchrony again noticing the charge, but they refused to correct the issue. I was bounced around by representatives and account managers that lied about their names when asked and told me they were the end of the line when it came to solving this dispute as their higher ups were not involved in the decision making they dis based in their policy.. They acknowledged we called in XXXX but claim that we did not call again in XXXX ( before the promotional balance was due ) and so they applied the payment across multiple accounts. Clearly they misapplied my payment knowing ahead of time that those payments were intended to satisfy the debt that had a promotional rate I acted in good faith, sought guidance in advance, and followed the instructions provided by their representative. The financial harm I experienced is a direct result of misleading or incomplete information provided by Synchrony Bank. I am requesting a full reversal of all deferred interest charges associated with this issue and a correction of my account. This matter involves misrepresentation, improper payment allocation, and failure to resolve a billing error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief