vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
Subject : Formal Dispute and Demand for Correction of IDR Payment Count and Immediate Discharge Review To Whom It May Concern, I am submitting this formal dispute regarding the inaccurate calculation of my qualifying payment count under the Income-Driven Repayment ( IDR ) one-time account adjustment. According to my official XXXX XXXX records, I entered repayment on XX/XX/year>, and have remained in the federal student loan system continuously since that time. This represents over 24 years in repayment status. My records further demonstrate the following : Extended periods of repayment beginning in XXXX Multiple cycles of forbearance spanning years, exceeding both 12 consecutive months and 36 cumulative months Periods of deferment that may qualify under the IDR adjustment rules Default status early in repayment, followed by re-entry into repayment and continued participation in the federal system Consolidation of loans, which under Department of Education guidance does not reset qualifying payment counts Despite this history, I have been informed that I have approximately eight years remaining until forgiveness. This is inconsistent with both my documented loan history and federal guidance regarding the IDR one-time adjustment. Based on a conservative reconstruction of my loan status timeline, I have accumulated ap proximately 250 or more qualifying months toward IDR forgiveness. This exceeds the 20-year ( 240-month ) forgiveness threshold and places me significantly closer to, if not already at, the 25-year threshold. It appears that : Pre-consolidation repayment periods have not been prop erly credited Eligible forbearance periods have not been counted as required The IDR adjustment has not been correctly or fully applied to my account I am therefore requesting the following actions : A complete and detailed audit of my account, including a month-by-month accounting of qualifying payment status Immediate correction of my qualifying payment count in accordance with IDR adjustment rules Review for immediate discharge if my qualifying payment count meets or exceeds forgiveness thresholds Written documentation explaining any excluded periods and the justification for exclusion under federal guidelines If these corrections confirm that I have met the forgiveness threshold, I request prompt discharge of my remaining loan balance. Failure to properly apply federal policy and accurately account for qualifying time places an unfair and unlawful burden on borrowers. I am prepared to escalate this matter through all available channels, including the Federal Student Aid Ombudsman Group and the Consumer Financial Protection Bureau, if necessary. I expect a timely and thorough response. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Central Research Inc
State: WI

Complaint narrative:
As a current patient of physic care, my prior physician was doing an evaluation of my XXXX XXXX and confirmed with me that XXXX XXXX scammed me with my education. She did not relay much information back to me other than my weight of XXXX lbs and the risk of entering a field of this. She then told me to contact consumer protection. Which I could not find till now this was dated back in XXXX in the fall. I am now asking to file and get some help with this record at XXXX XXXX with student loans that are now currently needing to be payed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX i went to a local Utv/Atv store located in XXXX Texas XXXX XXXX XXXX XXXX XXXX' for the amount of XXXX The seller persuaded me on purchasing a unit wich i ended up doing but he never mentioned any banks he said it would be in house finance. 2 weeks from purchase the transmission gave out and had to pay someone to haul it back and returned the item. After i returned the lemon Atv a bank contact me saying i owed them XXXX I never gave a single payment on the unit but XXXXXXXX XXXX XXXX XXXXXXXX says that i gave 2 payment wich i never did. I dont know who XXXX XXXX XXXX XXXX is the Seller never mentioned them. Now they are charging me for a unit that i dont have and never gave a payment on. I dont know who gave those 2 payment. Its is incorrect. I dont have the item i returned it to the store 2 weeks from purchasing. I had a near perfect credit score always on time with my payments now this is affecting me. If this continues i might just end up messing the score really bad so it actually goes down for something.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
on XX/XX/year> I recived a call from the sheriff XXXX, stating that they needs funds {$1300.00} for housearrest with ankel braclet. for my Daughter they explained : go onto Cashapp and send it to ellish XXXX # XXXX. After they explained they needed more money for Traffic fines {$750.00} I questioned the amount and they hung up, and thats when i know it was a scam I immediaetly got on the phone with cash app to reverse the charges, they said thats impossible. I personally Know that it was an inside my daughter recently got arrested and was incarested, and i was waiting by the phone to support her in her delimia. they know personal information about my daughter as next of kin, my phone #, Docket # and charges. I was in shock of how someone could have so much info. about one person, and the account is still open of the person who took my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I have been on a XXXX deferment since XXXX, there was always communication from Nelnet. XXXX no communication from Nelnet, deferment expired. I was unable to sign into my account. I was prompted to receive a code, ( twice ) no code was sent to my email. It was discovered that Nelnet had sent all my loan information to my son XXXX XXXX XXXX. They had placed my loan on his account and was sending him the XXXX deferment information. They placed my loans in collections and my son 's loans also. We contacted them by phone tried to explain the situation and asked them to remove the delinquent status on our credit report. We contacted my oncologist and drove the paper to the office to get it expedited. The doctors office had it prepared within XXXX days. Nelnet told us to file a dispute with one of the credit reporting agencies we filed it immediately. Contacted Nelnet again, was told that the dispute was valid and now our credit has taken a XXXX point hit. The deferment was reinstated. They did not correct our XXXX XXXX. I was told they can only change for students and military. I would like the derogatory marks removed from my credit report. I would like to see Nelnet held responsible for their actions. They shared private information with our son and possibly others. They have destroyed our credit and possibly our sons. I appreciate anything that can be done for our situation. Sincerely XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Under consumer law ( 15 U.S.C. 1681c-2 ), if a debt is not verified to be legally collected on or be able to prove I own as myself own the debt currently by providing the original contract from the original creditor, any and all debt must be removed from all credit reports within four business days or for each violation of this law I am owed {$1000.00} dollars per each violation. Remove within four business any and all negative items off of my credit report. If consumer law ( 15 U.S.C. 1681c-2 ) is not followed I will be taking legal action after the four day time limit that's legal allowed to have all negative items removed from my credit 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 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I purchased land online through XXXX XXXX XXXX. The plot of land is in XXXX XXXXXXXX XXXX I paid {$2200.00} for it. They were sapost to debit it out of my bank account and instead ach payment. I could not find the lands address in the gps it went to an actual house across the way. I had a real estate agent verify its authenticity he also called the city and no parcel of land existed. The bank Wells will not allow me to open a claim under The Electric Find Transfer Act, reg. E and Invoke Federal Protection. Ive been calling the XXXX XXXX XXXX office for a month now no answer and no return phone call. Ive looked up the company online and multiple sources report it is fraudulent. They have also relisted the same lot for sale. They had marked it as sold after they took my payment.

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 2026-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
CFPB COMPLAINT LETTER FRAUDULENT ACCOUNT / IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX Email : XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXXXXXX XXXX XXXX XXXX, IA XXXX RE : FORMAL COMPLAINT FRAUDULENT ACCOUNT / IDENTITY THEFT / FAILURE TO INVESTIGATE Company : XXXX XXXX XXXX XXXX XXXX. Account Reference : XXXX XXXX XXXXXXXX To Whom It May Concern, I am submitting this formal complaint against XXXX XXXX XXXX XXXX XXXX regarding their continued reporting and collection of a fraudulent account that does not belong to me. This account was allegedly opened with Synchrony Bank in or around XXXX. I have confirmed and documented that this account is the result of identity theft. Synchrony Bank has already acknowledged the fraud and removed the account from their records. However, XXXX XXXX XXXX purchased this debt and continues to report and attempt to collect on it. Summary of the Issue : - Failed to conduct a proper and reasonable investigation - Continued to report inaccurate information to credit bureaus - Ignored formal disputes submitted directly and through credit reporting agencies- Disregarded official documentation, including a police report and FTC identity theft report Documentation Provided : - Police report confirming identity theft - FTC Identity Theft Report - Written disputes to credit bureaus - Confirmation from Synchrony Bank that the account was fraudulent and removed Legal Violations : - Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 - Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 Requested Resolution : 1. Immediate deletion of this fraudulent account from all credit reporting agencies 2. Cease all collection activity related to this account 3. Provide written confirmation that the account has been permanently removed 4. Ensure no further reporting, resale, or transfer of this fraudulent debt Impact and Harm : - Damage to my credit profile - Emotional XXXX and hardship - Time and financial burden associated with correcting fraudulent reporting Final Statement : This companys continued reporting of a known fraudulent account demonstrates a willful disregard for federal law and consumer rights. I respectfully request that the CFPB investigate this matter and enforce appropriate corrective action. Sincerely, 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 2026-04-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: NV

Complaint narrative:
I am filing a complaint regarding inaccurate debt collection and credit reporting. A collection agency is reporting and attempting to collect a balance of over {$3200.00} on a rental account. However, I obtained a revised statement from the original creditor showing the correct balance is {$790.00}. I requested validation and clarification of the balance, but the collection agency failed to properly explain or correct the discrepancy and continues to report and attempt to collect an inaccurate amount. This inaccurate reporting has prevented me from obtaining housing. I am requesting deletion of this account due to inaccurate and unreliable reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 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: CO

Complaint narrative:
I am filing this complaint against PayPal , Inc. for failure to resolve unauthorized electronic fund transfers totaling {$35000.00}, in clear violation of Electronic Fund Transfer Act ( Regulation E, 12 CFR 1005.11 ). Beginning on XXXX XXXX 2025, my account was hit with ~ {$35000.00} in fraudulent transactions which were largely funded by linked checking account transfers. I rarely used my paypal account, so i didn't regularly check it. While my bank was able to adjust my account to return {$29000.00} to me, {$5900.00} remains unrecovered. The bank refuses to further adjust my balance because they claim that paypal has confirmed the validity of the 2 unresolved transactions ( {$2900.00} and {$2900.00} ), which were of the same obviously fraudulent account, recipient, amount, etc. that the other {$29000.00} worth of transactions were. Furthermore, PayPals internal dispute resolution process has been entirely incoherent and a large part of the problem. Any engaged, reasonable person or fraud detection system would know that these transaction were clearly fraudulent. I can no longer access the details of my account, but all the clear signs were there ; multiple attempts to attach dubious credit cards, multiple failed attempts to send money due to fraud systems, etc. PayPal should not be allowed to operate like this. Agents have repeatedly lied and obfuscated with no path provided by PayPal to talk to a person capable of resolving this issue. Ultimately PayPal 's internal dispute resolution system has issued dozens of seemingly-automated and conflicting findings that have resulted in a severe accounting error on my ledger, and dozens of hours of my time wasted trying to resolve this over the last 7 months. Currently, my paypal account shows a negative balance of {$22000.00} in my main checking and a positive balance of {$24000.00} in my savings. I believe both of these figures are incorrect and are the result of PayPals failure to properly reconcile bank reversals with fraudulent debits It is nearly impossible to decouple the fraudulent transactions, possible bank reversals, money i had in paypal previously, interest earned, etc. as PayPal has spammed the transaction history with incoherent transactions. Additionally PayPal has locked the account, preventing me from reconciling these balances or accessing my funds. Their support teams have been negligent, obfuscating the issue and refusing to conduct the 'reasonable investigation ' mandated by federal law. I have attempted to resolve this for many months to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am filing a complaint regarding LVNV Funding LLC and the inaccurate reporting of a collection account on my credit report. This account was previously disputed with all three credit bureaus. The account was marked as verified, however, no documentation was ever provided to support the validity of this debt. LVNV Funding LLC is a debt buyer and must provide proper documentation, including : A full account history from the original creditor ( XXXX XXXX ) Proof of assignment or ownership of the debt A signed agreement linking me to the account To date, none of this documentation has been provided. Additionally, the credit bureaus failed to properly investigate this matter and instead relied on a generic verification response, which is not compliant with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I am filing this complaint against XXXX, XXXX, XXXX, and XXXX XXXX XXXX for willful and negligent violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). I disputed a charged-off account reported in the amount of {$11000.00}. Despite multiple disputes, all three credit reporting agencies responded with verified without providing any documentation, evidence, or a lawful method of verification as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). I have reviewed the documentation provided by XXXX XXXX XXXX, including the original contract. The financial figures contained within the contract do not reconcile with the balance currently being reported on my credit report. This response is legally insufficient and indicates that no reasonable investigation was conducted. Further, I obtained the original contract from XXXX XXXX XXXX and reviewed the financial terms. The balance being reported ( {$11000.00} ) does not reconcile with any verifiable figure from the contract or payment history. XXXX XXXX XXXX has failed to provide a complete accounting or breakdown supporting the reported balance. Additionally, the account is being reported as both charged off and carrying a past due balance, which is materially misleading and violates the requirement of maximum possible accuracy under 15 U.S.C. 1681e ( b ). XXXX has also attempted to delay the investigation process by requesting unnecessary information, including account numbers, despite having sufficient identifying information to conduct a proper investigation. XXXX XXXX XXXX has failed to fulfill its duties under 15 U.S.C. 1681s-2 ( b ) by not conducting a reasonable investigation after receiving notice of the dispute and continues to furnish inaccurate and misleading information. These actions constitute willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o. As a result of these violations, I have suffered harm to my creditworthiness, financial opportunities, and emotional distress. I am demanding the following : Immediate deletion of this account from all credit reporting agencies Full disclosure of the method of verification used by each credit bureau A complete accounting breakdown of the alleged balance Correction of all inaccurate and misleading reporting If this matter is not resolved promptly, I am prepared to pursue legal remedies without further notice.

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 2026-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
b'I am filing a complaint against Toyota Financial Services regarding a prolonged failure to provide a complete and certified vehicle title and authorization letter.\n\nAccount Number: XXXX XXXX\nVehicle / Last 8 of VIN: XXXX XXXX XXXX XXXX XXXX\n\nI have been requesting a letter of authorization and a certified copy of the title for my vehicle since XXXX XXXX, in order to register my vehicle in New York after relocating from California in XXXX XXXX. The documents were to be sent to the New York State DMV Bronx License Center, XXXX XXXX XXXX XXXX NY XXXX.\n\nDespite multiple requests, the DMV has received incomplete documents at least three times (an electronic copy of the title two times and the front page of the title only two times). The documents provided were not complete, not properly certified, and not acceptable for registration.\n\nI was informed that both sides of the title could not be sent without a written request. I submitted written requests through customer support in XXXX XXXX and again in XXXX XXXX. Despite this, I continue to receive only the front page of the title.\n\nI have made repeated efforts to escalate this matter internally. I requested to speak with a supervisor or manager on multiple occasions; however, I was consistently told that they were unavailable or in a meeting, and no escalation or follow-up was provided. This reflects a failure to appropriately handle customer complaints and escalation requests.\n\nAs a result, I am unable to register my vehicle in New York, and my California registration expired in XXXX XXXX. This has caused significant inconvenience, repeated disruption to my work schedule, and potential legal risk. I work full-time XXXX XXXX XXXX XXXX XXXX) and have had to take time off multiple times to attend DMV appointments, which had to be rescheduled due to the incorrect documents. I have also spent many hours on the phone with Toyota Financial Services without resolution.\n\nThis pattern of repeated errors and lack of escalation indicates a serious failure in internal processes and customer service handling.'

Company response to consumer: Closed with explanation