vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 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: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
I currently have a car with current it was some transactions on my card that I did not make. I was clearly in the hospital. I submitted the hospitalization paperwork. Ive submitted police reports Ive submitted everything showing that I had nothing to do with these transactions they deny my dispute came back and gave me {$970.00} from this dispute then Ive asked several times if you gave me part of my money back where is the rest of it because this always the same dispute with the same merchant so it makes no sense that I got some of my money back and I didnt get the rest of my money back so now they just wan na brush you off they dont wan na give you any answers. They dont wan na help you. They dont wan na help you recover your money. They said that you cant dispute it after one time and that is ridiculous because this is almost {$5000.00} to be talking about its not a small amount and its no reason for me to have to go through this. I reached out to the XXXX XXXX XXXX and they wont respond. Ive reached out to you guys and they wont respond. Its just ridiculous how they take peoples money or theyre in cahoots with taking people money, but dont want to help a person get their money back if you find the fair for me to get {$970.00} back out of the same dispute then I was due all my money because this was the same merchant on the same charges on the same day

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have attempted to open a basic checking account with multiple financial institutions, including XXXX XXXX, XXXX XXXX XXXX, Wells Fargo, XXXX XXXX XXXX, and others. Each application has been denied without a clear or consistent explanation. 

I have not been provided meaningful information about the specific reason for these denials, nor have I been given sufficient details to correct or dispute whatever information is being relied upon. I was advised that the decisions may be based on consumer reporting systems such as XXXX  or XXXX XXXX XXXX but I have not received adequate disclosure explaining what is being reported or why. 

These repeated denials have prevented me from accessing basic banking services, including opening a checking account for routine financial needs. This has caused significant hardship, as access to a bank account is necessary to receive funds, pay bills, and participate in everyday financial activities. 

I am requesting assistance to ensure that any consumer reporting information being used is accurate, complete, and properly disclosed, and that I am given a fair opportunity to review, dispute, or correct any negative or incorrect records. I am also requesting clarification as to why I am being denied basic deposit accounts across multiple institutions despite applying for standard, non-credit products. 

I believe I am being unfairly denied access to basic banking without transparency, and I am requesting that this matter be investigated and corrected.

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 2026-01-12 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: GA

Complaint narrative:
On XX/XX/year>, I noticed that my account had been charged {$2300.00}. I checked to see if was a creditor, but it wasn't. I called the bank to make them aware that there were XXXX charges, with this being the largest on my account that I was not familiar with. No-one had my card or access to my card and this company is not familiar at all. Chase Bank closed the card, opened and investigation and eventually returned the money. I didn't think anything else of it until almost a month later and it looked like the same company did it again. 
I went into the branch, only to find that the bank reversed their decision. The said that I made the purchase from XXXX XXXX, confirmed with XXXXXXXX XXXX Well, I dont use XXXX  XXXX. None of my cards cane be confirmed with XXXX XXXX and when the charge was made on XX/XX/year> at XXXX XXXX, I was literally going through XXXX as I was on a flight to XXXX at XXXX XXXX. Impossible. 
This company, XXXX XXXX is a software/AI company in XXXX. So the bank is saying that I made an XXXX XXXX purchase of {$2300.00} from the XXXX line to an AI company in XXXX?!? Really. XXXX. Well why wasn't this transaction flagged? Why would a physician need AI from XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synergetic Communication Inc
State: CA

Complaint narrative:
I am submitting a complaint regarding improper medical debt collection by Synergetic Communications.

Synergetic is attempting to collect a dental debt that is the result of a provider billing failure, not a valid patient responsibility. The original provider, XXXX XXXX XXXX, failed to submit an insurance claim to XXXX for services rendered on XX/XX/year>. XXXX has confirmed in writing that no claim was ever received for these services. 

My XXXX plan covered 80 % of basic dental services, which included the fillings I received. I paid my full patient responsibility at the time of service based on this coverage. The remaining balance exists solely because the provider did not submit the claim. 

When I disputed the debt and requested validation, Synergetic provided only an internal ledger showing a {$0.00} insurance payment entry dated nearly a year after the date of service. This ledger contains no claim submission date, no claim number, no Explanation of Benefits, and no denial or adjustment code, and does not constitute proof that a claim was submitted or adjudicated.

Despite this, Synergetic continues to assert that the debt is my responsibility. This constitutes an attempt to collect a disputed and unvalidated medical debt and misrepresents the nature of the obligation.

I am requesting that Synergetic cease all collection activity, return the account to the original provider, and confirm in writing that this matter is closed. 

I have supporting documentation, including XXXX confirmation that no claim was received, the internal ledger provided by Synergetic, and written disputes sent to both the provider and the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Thaxton Investment Corporation
State: AL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXXXXXX, IA XXXX Re : XXXX XXXX Consumer : XXXX XXXX Account No. : [ XXXX ] Dear Sir or Madam, I am formally disputing an account being reported by XXXX XXXX on my consumer credit reports. XXXX XXXX has failed to provide competent evidence that I owe this debt and has not proven that it has the legal authority to report this account. 

This account continues to be reported and verified as accurate despite my disputes, which constitutes a violation of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ), and the Fair Debt Collection Practices Act, 15 U.S.C. 1692. Furnishing and verifying information without proper investigation and documentation is unlawful and harmful to my credit standing. 

Because XXXX XXXX  can not properly validate this account, I am requesting immediate deletion of this tradeline from all consumer reporting agencies. 

I respectfully request that the CFPB investigate this matter and require XXXX XXXX  to remove this inaccurate and unverified account from my credit reports. 

Thank you for your assistance. 

Sincerely, XXXX XXXX [ XXXX XXXX, Al XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: NY

Complaint narrative:
I am writing to formally dispute multiple collection accounts that are being reported under my name for debts I do not recognize and have never verified. It is deeply frustrating and alarming to discover accounts that are not mine appearing on my credit report. These unverified and unknown debts have resulted in repeated and aggressive collection attempts across multiple communication platforms, including implied threats of legal action. This situation is completely unacceptable and represents a clear violation of my rights as a consumer. I am a law-abiding individual, and having false debts reported in my name has caused significant emotional distress, XXXX, and sleepless nights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: DISCOVER BANK
State: IL

Complaint narrative:
Complaint Against Discover Card - Failure to Protect Consumer From Medical Deepfake Fraud To Whom It May Concern, My name is XXXX XXXX. I am submitting this complaint regarding Discover Cards failure to protect a consumer from a documented case of medical impersonation fraud involving AI-generated deepfake technology. 

I disputed a {$310.00} charge ( Discover Case # XXXX ) that resulted from a XXXX advertisement using a deepfake video falsely portraying XXXX XXXX XXXX. The ad promoted a product called XXXX, making explicit medical and neurological health claims. This individual was not XXXX XXXX. The video is an AI-generated deepfake used to intentionally misrepresent medical authority and induce payment. 

This is not a merchant dispute. This is fraud by misrepresentation and impersonation, a well-documented and escalating category of consumer fraud. 

Despite this, Discover Card : Refused to classify the transaction as fraud Repeatedly treated the claim as a standard purchase dispute Failed to meaningfully investigate the impersonation Declined to review or request evidence Would not provide a clear path to submit documentation - EXTREMELY SARCASTIC Discover representatives stated they could not review links and made no attempt to independently assess whether the advertisement constituted impersonation or deception. This is unacceptable given the nature of the fraud and Discovers obligation to protect consumers from unauthorized and deceptive transactions. 

The use of a deepfake of a nationally recognized medical professional to sell a health-related product represents : Medical impersonation Deceptive advertising Health fraud A violation of basic cardholder protections Discovers refusal to act effectively enables this fraud model to continue and places consumersparticularly those with serious neurological and autoimmune conditionsat risk. 

I am requesting that this complaint trigger : Regulatory review of Discover Cards fraud investigation practices A reassessment of my disputed transaction as fraud, not buyer dissatisfaction Appropriate corrective action to remove the charge Discovers inaction demonstrates a systemic failure to respond to modern fraud tactics, specifically AI-driven impersonation scams that are now widespread and publicly documented. 

I am prepared to provide screenshots, transaction records, and a written summary of the fraudulent advertisement upon request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I am unable to access my loan account by phone due to a required telephone password that I do not have. Customer service refuses to offer alternate verification or escalation. This is preventing me from addressing a billing issue related to my vehicle being inoperable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I paid off the loan on my XXXX XXXX XXXX. XXXX never cleared the lien with the XXXX  XXXX. 

In XX/XX/XXXX I moved from XXXX  to XXXX XXXX. In XX/XX/XXXX I registered the vehicle in XXXX XXXX XXXXXXXX. The lien remained on the transferred title. 

On XX/XX/XXXX I attempted to sell the vehicle to XXXX and was unable to proceed because of a lien on my XXXX XXXX XXXXXXXX XXXX for the vehicle, which I was shocked to learn about - considering that I had paid off the vehicle almost 5 years prior. 
That day I called their customer service and was told that a " lien release letter '' would be sent to my address. As of my writing this description ( XX/XX/XXXX ) I still do not have the letter, and will be moving out of the country in 8 days. 

Their failure to clear the lien immediately upon my paying off the vehicle in the first place ( XX/XX/XXXX ) should be a criminal offence. It is not, nor should it be, the responsibility of the consumer to take steps to ensure the lien is cleared. It is the lienholder 's responsibility to clear the lien upon payoff of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Spring Oaks Capital and the inaccurate credit reporting of account number XXXX, which appears on my consumer credit reports. 

This account is being reported without proper verification and fails to meet the accuracy and completeness requirements of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have not been provided with documentation showing that Spring Oaks Capital has the legal authority to collect this debt, nor proof of the original contract, itemized billing, or a full payment history.

Additionally, this account has been previously disputed, and Spring Oaks Capital has failed to provide sufficient validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Continuing to report unverifiable or inaccurate information is causing ongoing harm to my credit and financial standing.

Because Spring Oaks Capital can not properly verify this account, I am requesting the following resolution : 1. Immediate deletion of this account from all consumer reporting agencies, and 2. Written confirmation that the account has been permanently removed.

If Spring Oaks Capital can not provide competent evidence of the debt and its legal right to report it, they must cease reporting under federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Central Research Inc
State: OR

Complaint narrative:
I am in forbearance until XX/XX/XXXX - this forebearance started XX/XX/XXXX. in XX/XX/XXXX my credit went down due to CRI reported to the credit agencies that I missed payments. I contacted them on XX/XX/XXXX, they stated known issue and could not provide any timeline of when it would be resolved. they confirmed I was in forebearnce since XX/XX/XXXX and to be so until XX/XX/XXXX and that I have no payments overdue. they could not provide documentation to supply to creditors to rectify this issue. They stated I must send information to the credit agencies myself. 


Also when my account transferred to XXXX to CRI on XX/XX/XXXX. I continued to accumulate interest until XX/XX/XXXX ( mandated for SAVE plan to begin accruing interest ). They confirmed I was enrolled in the XXXX plan but could not provide documentation or confirm that they corrected my account to remove the interest accumulated since XX/XX/XXXX. Thus I have multiple days where my account gained interest and they can not provide confirmation of that amount or what day that amount was adjusted. 

they can not and will not send written documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My mortgage was recently transferred to a new processor- Select Portfolio Servicing , Inc . The servicer charges a {$5.00} fee for each mortgage payment made using their online portal. The only way to avoid this fee is to set up a recurring monthly ACH. I had the option to set up a monthly ACH at the time we signed the loan and declined this option. There is nothing in my loan agreement that says there will be a monthly fee for payments and there was nothing in my loan documents saying that I had to do a monthly ACH.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
My federal student loans were transferred from XXXX to Aidvantage. Prior to this servicing transfer, my loans were paid as agreed and were never delinquent. 
During the XXXX federal student loan payment pause, payments were suspended automatically and not at my request. When servicing later transferred from XXXX to Aidvantage, my established autopay did not resume properly. Payments were not correctly restarted or credited following the pause and transfer. 
I did not receive effective notice that my autopay had failed, that payments were not being properly applied, or that my account was allegedly delinquent. I was not provided a meaningful opportunity to cure before severe late payments were reported to the credit bureaus. 
Aidvantage did not report any progressive delinquency ( such as 30- or 60-day late payments ) prior to reporting 90-day late payments. I first became aware of the issue only after the sudden reporting of 90-day delinquencies, at which point my credit score experienced a significant and immediate decline across all twelve of my student loan accounts. 
I relocated after purchasing my home in 2020. While Aidvantage has asserted that it was my responsibility to update my address, this does not negate the servicers obligation to provide reasonable notice or ensure accurate and fair credit reporting. The reported delinquencies occurred solely as a result of the XXXX payment pause and subsequent servicing transfer period and are the result of servicing and communication failures, not borrower nonpayment. 
Aidvantage is currently reporting 90-day late payments that do not accurately reflect my true payment history. XXXX has removed these late payments after investigation, and XXXX has partially corrected the reporting, demonstrating that the information is inconsistent and unverifiable. 
This inaccurate reporting is causing significant financial harm, including impairing my ability to refinance my mortgage. 
I am requesting that Aidvantage conduct a full investigation and correct or remove the inaccurate late payment reporting from all credit bureaus to reflect my actual payment history, in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services
State: CA

Complaint narrative:
We pay for an insurance on our loan for in case if we are in an accident or lose our job. When we got the loan and were asked if we wanted the insurance we asked if they can explain it better and they told us the insurance would cover the entirety of the loan if anything happened to the car, if either of us lost our lives, if we were in an accident and unable to work or if we lost our jobs. We'll just about all of the above happened to one or the other of us except for loosing our jobs, and when each event happened we were told oh sorry thats not covered. When my husband finally lost his job and was approved for unemployment they said that the payments would only be made for 12 months and not the entirety of the loan. When we told them thats not how it was explained to us they said oh well who ever explained it to you gave you the wrong information and there is nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
have an auto loan serviced by Exeter Finance that has reached maturity. I have made consistent payments over several years, yet the principal balance has decreased very slowly due to frequent late fees, payment reversals, and how payments were applied.

When I recently spoke with an Exeter Finance representative to discuss my account, I was told that my vehicle would be towed if I missed a single payment. The representative could not provide written confirmation of my accounts status, could not clearly explain whether the account is considered in default or simply past maturity, and could not cite the specific contractual basis for a repossession threat.

I am requesting written clarification of my account status, a written payoff statement, and a clear explanation of how payments, fees, and reversals have been applied to my account. I am also concerned about being threatened with repossession without receiving clear, written justification or documentation.

I am not refusing to pay and am seeking transparency, accurate billing, and clear written communication regarding my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
This debt does not belong to me I asked for the original agreement and it was not provided no information I have no knowledge of this debt

Company response to consumer: Closed with explanation