vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX / XXXX {$810.00} Dept Of Education {$0.00} XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: CA

Complaint narrative:
I am writing to dispute the accuracy of certain items on my credit report. Below is a breakdown of the accounts in question, which I believe are inaccurate or incomplete. I have outlined the details for each bureau separately as requested. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payment : XXXX XXXX XXXXXXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 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: OR

Complaint narrative:
To Whom It May Concern, I am writing to formally document and complain about an error made by Wells Fargo in the handling of a dispute I submitted on my account.

I filed a dispute and provided all required documentation, including clear proof and screenshots supporting the correct disputed amount. Despite this, Wells Fargo refunded an incorrect amount that does not match the evidence submitted or the actual amount in dispute.

This error occurred even though all information necessary to process the dispute accurately was available and provided. As a result of this mistake, I have now been forced to file an additional complaint solely to correct Wells Fargos error and to recover the remaining amount that should have been refunded in the first place.

This situation has caused unnecessary frustration, delays, and additional effort on my part, all of which could have been avoided had the dispute been reviewed and resolved correctly the first time. I expect this matter to be corrected promptly and the remaining balance refunded without further delay.

Please consider this letter a formal complaint and request for immediate resolution. I also request confirmation in writing once the correct amount has been refunded and the issue fully resolved. 
Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC 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 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Servicing Solutions, LLC
State: LA

Complaint narrative:
Dear Consumer Financial Protection Bureau, Im writing to file a formal complaint regarding Servicing Solutions, the current servicer of a business credit card account originally issued through XXXX. 

This account is a business credit card, not a personal account. Despite this, Servicing Solutions has been engaging in repeated and excessive phone calls and text messages, even though the monthly minimum payment is being paid and has posted to the account. 

The account carries an extremely high interest rate of 29.99 %, and although I remain current by paying the required minimum, Servicing Solutions continues to harass me with unsolicited communications. Most concerning, they have threatened to place this business debt into collections and report it to my personal credit, which I believe is improper and misleading given the nature of the account. 

I am requesting the CFPBs assistance in reviewing the following concerns : - Ongoing harassment via phone calls and text messages despite the account being current - Threats of collection activity while minimum payments are being made - Threats to report a business account to my personal credit profile - General collection practices that feel aggressive and abusive Im requesting that this matter be reviewed and that Servicing Solutions be required to cease harassment, communicate appropriately and confirm that this business account will not be improperly reported to my personal credit.

Any assistance you can provide is greatly appreciated. Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: MO

Complaint narrative:
I leased a vehicle XX/XX/XXXX of XXXX and approximately 10 days before that the vehicle was deemed a total loss by an insurance company per a XXXX report. I did not know of this until I went to go trade it in on XX/XX/XXXX of XXXX, so I immediately took action and contacted both the dealership and the loan company that funded this lease. The loan company is XXXX XXXX XXXX and the dealership is XXXX XXXX in XXXX Florida. The dealership did not answer the phone and avoided all interactions even emails on the other hand. the finance company, one of their representatives clearly stated that it was a mistake and that they were going to look into it and for the meanwhile to not make any further payments so listening to these instructions, I did not make any further payments and now I am being charged a past due balance and a current balance amount to {$1200.00} so on XX/XX/XXXX of XXXX I contacted the loan company again and another representative told me that she sees the notes but she does not see where the guy told me to not make any further payments and she is pressuring me to return the vehicle even though I told her it is worth half of what its actually worth because of the total loss Incident so I am thinking that I was a victim of misrepresentation by the dealership that does not want to own up to their mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AAA Collections
State: FL

Complaint narrative:
Subject : NOTICE OF DISPUTE AND REQUEST FOR VALIDATION UNDER FCRA & FDCPA To whom it may concern, I am writing to formally dispute the following collection account appearing on my credit report : Collection Agency : A.A.A Collections, Inc Account number : XXXX Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am exercising my right to challenge the accuracy and validity of this item.

I have no record of this debt with the aforementioned agency, nor do I have a contractual agreement with them. I demand that you provide " competent evidence '' that I have a legal obligation to pay this specific debt to this specific agency.

Pursuant to the law, please provide the following : 1. Agreement/Contract : A copy of the original contract bearing my signature.

2. Itemized Accounting : A full breakdown of the alleged debt, including principal, interest, and any added fees.

3. Proof of Authority : Documentation showing that [ Collection Agency Name ] has the legal right to collect this debt in my state.

If you can not verify every piece of information regarding this account within 30 days of receiving this notice, the law requires that you permanently delete this information from my credit file immediately.

" I previously contacted this collection agency via telephone to request validation of this alleged debt. However, the representative explicitly stated that they could not or would not provide the requested documentation. This refusal to provide verification is a direct violation of my consumer rights and further brings into question the legitimacy of this account. '' Please send me an updated copy of my credit report once this investigation is complete. Failure to comply with the FCRA may result in legal action and a formal complaint to the Consumer Financial Protection Bureau ( CFPB ). 
Sincerely, XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Auto Trakk, LLC
State: DC

Complaint narrative:
I asked for the company overall financial standings and they aint give it to me. They have wrong information. They harassing me thought email. They lied to me about my account being open when it was closed XX/XX/2024 they. 
Resetting the delinquency date Re-aging a closed account Reporting it as new after closure. 
Make it appear open after closure

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
In XXXX  XX/XX/2026, a debt collector, Halsted Financial, sent written debt collection text messages to third parties ( my stepmother and my spouse ) disclosing the existence of my debt. The messages identified the original creditor ( XXXX XXXX XXXX  ), stated that I had previously made payments, and indicated the account was placed with a debt collector, along with a payment link and phone number. 

I did not provide or authorize these third-party contacts. The messages were not limited to requesting location information and instead contained explicit debt-related disclosures. 

After learning of the messages, I contacted Halsted Financial by phone to report the issue. During the call, I informed the representative that the communications appeared to violate the Fair Debt Collection Practices Act. The representative stated the matter would be escalated to their administrative team to determine how the messages were sent. 

I am requesting investigation and confirmation that third-party disclosures have ceased and that appropriate corrective action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I am filing this complaint to bring attention to Chime Financials continued failure to meet the customer service standards mandated by the XX/XX/XXXX Consent Order with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). That order specifically penalized Chime for its lack of accuracy and responsiveness in handling customer complaintsthe exact issues I am facing today. 

Despite Chime being under regulatory supervision to improve these processes, they have failed to properly investigate a series of unauthorized charges on my account totaling {$390.00} ( occurring between XX/XX/XXXX, and XX/XX/XXXX ). 

The physical impossibility of these charges : The most alarming part of this case is that I have never received my physical Chime debit card. It was either lost or stolen in transit. Because I never possessed or activated the card, it was physically impossible for me to : 1. Conduct the {$130.00} ATM withdrawal on XX/XX/XXXX. 

2. Make in-person purchases at XXXX, XXXX, XXXX XXXX. 

3. Establish a PIN for the account.

Violation of Consumer Rights : Chimes support team has been dismissive and has failed to provide a provisional credit, which is a violation of Regulation E given that my initial report was made over 10 business days ago. It appears Chime is continuing the " unfair acts '' regarding complaint handling that led to their {$2.00} XXXX fine last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
I added money to my card and on XX/XX/year> there was an XXXX XXXX purchase or payment for {$1200.00}. I reported it instantly. I was told I have to wait until it posts in order to make a dispute. I waited until it posted and disputed it, my dispute got denied 2x although I showed proof of the XXXX XXXX  I use statement not showing no {$1200.00} added and I do not even have my own XXXX XXXX account. They failed to give me a real reason on why they wont give me my money back. No evidence, and its really frustrating because I added it to my card to pay my rent and it was just gone once I was ready to use it. I have kids to feed and that put me through so much that month. They need to look into who the money went to and charge it back instead of doing nothing. They should not have let that much money come off my card without asking anyways I shouldnt have to take a loss like that and they just dont care to even look into it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
I have repeatedly called Freedom Mortgage ( 5 times as of today ) asking them to pay my new insurance company and they have not sent payment. They have also not changed my legal name on my mortgage though I sent in the required documentation. As well, they did not apply my refund that they sent to the old insurance to escrow as requested.

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 2026-01-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
On XX/XX/year> I applied for a XXXX loan on line. I received an email congratulations I am approved. I read the contract and did not approve the loan due to 35+ % interest they were charging and XXXX admin fees. There was a clause written in red that said IF YOU AGREE CLICK HERE. I NEVER CLICKED. I closed the email and XXXX XXXX XXXX was deposited into my account. I immediately called them and was given the run around being told we have your electronic signature on file. I argued everyday with them and kept being told to email the complaint dept as they could not help me and the only way is through email. I tried 3 times a day to speak to someone in authority. I was denied. I contacted the better Business Bureau and keep getting the same response that my signature was in file. I never signed anything nor did I agree to the outrageous terms of this loan. I returned their money to them on XX/XX/year>. I returned the exact amount they put in my account. On XX/XX/XXXX AVANT withdrew XXXX from my account. I assume This is for the XXXX in admin fees that they are charging. This caused by bank account to be in the negative causing me to bounce my automatic payments to my creditors and numerous bank fees. I have tried over and over again and getting no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: CA

Complaint narrative:
I see there are two accounts open in my XXXX  credit report that someone use services with Klarna INC and opened those account in XX/XX/year> with amount of {$420.00} and then XX/XX/year> with amount of {$970.00}. I tried to contact customer service of Klarna and they give me some informations not belong to me. I also disputed with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am requesting XXXX XXXX XXXX XXXX  XXXX XXXX handling of my credit card dispute for a {$20000.00} transaction. The bank closed my claim without reviewing critical evidence, and their systems have made it impossible to submit the updated documentation. 
Bank of America has blocked every method of submitting my updated information. 
The secure messaging system is disabled, leaving no electronic way to send documents. I was instructed to fax the evidence, but the fax system provides no receipt or confirmation, and I have no way to verify that anyone received or reviewed what I sent. 
I have made many attempts to reach the XXXX XXXX, but it was impossible to get through. Each time I called the correct number, I was placed on long holds, transferred to representatives who could not assist, and then sent to a line that never answers. This loop happened repeatedly, and at no point was I able to reach anyone who could accept my updated evidence. 
Despite these documented efforts, the denial letter I received was a generic, boilerplate response that did not address any of the updated information I attempted to provide. As a result, the bank closed the claim without ever reviewing material evidence that directly affects the authorization determination. 
The merchant changed the contract AFTER the work was completed. 
The original XX/XX/XXXX proposal lists XX/XX/XXXX as the completion date. The work was completed on XX/XX/XXXX. The merchant then created a new contract dated XX/XX/XXXX after the work was done which I never signed, approved, or saw. This revised contract contains terms that were never disclosed to me and can not represent valid authorization. 
XXXX  XXXX XXXX denial letters state that the merchant provided contract ( XXXX ), sales receipt ( XXXX ), or invoice ( XXXX ), but none of these documents were shared with me. I can not confirm whether the bank reviewed the correct documents, especially since the XX/XX/XXXX contract was created after the work and does not contain my signature.Also I never saw or signed XXXX change order excavaton. I only signed XXXX time while paying with credit card thought it was approval. I also only saw XXXX look at pipe at time prior to paying credit card. I was never shown XXXX videos of my pipes. 
I am requesting CFPB XXXX to ensure that Bank of America conducts a proper secondlevel review and evaluates the evidence I have attached. 
Thank you for your attention.

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 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On the morning of XX/XX/year>, I received a call from XXXX XXXX regarding my credit card. I informed them that I did not have a card with them. The agent suggested I contact the XXXX major credit bureaus immediately. I was able to confirm with Experian that on XX/XX/year>, XXXX events occurred : XXXX ) my address was updated to XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, and XXXX ) an application for a business XXXX XXXX card was submitted. 

I have never lived in XXXX, nor have I had or applied for a XXXX XXXX card. The address change is disputed with Experian, and I am now waiting to be assured that there are no charges or liabilities on the XXXX XXXX card. 

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 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: MN

Complaint narrative:
Hello, My name is XXXX XXXX, I was scammed out of my money. - USbank wouldnt deal w/me. XXXX XXXX. My logic my mental state of mind wasnt being. Ive severe XXXX,, XXXX  on top of all this I wasnt able to make own choices. 

I contacted my bank to let them be informed, that I was scammed I really need help XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Westlake Services, LLC
State: MA

Complaint narrative:
XXXX  called XXXX XXXX  who I had an auto loan with they were originally XXXX  XXXX XXXX and I was waiting for about XXXX XXXX XXXX XXXX  years before my vehicle gave out on me and just XXXX  I decided to pay off the small loan they offered me a settlement of XXXX  which I was making by weekly payments. The XXXX  payment was XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I made the last final payment, I waited until XXXX  to call and get my settlement letter so that I can submit it to the credit bureau showing that I have settled this account for less than the amount old when I receive the letter it had misleading information as if I was setting up a payment arrangement. It had a date from XXXX  and it has someone elses name on it. It also stated they were collecting on behalf of XXXX XXXX XXXX  but that is not who I made my payments too when I called back to try to get the letter updated. I was told that my rep will give me a call back and I have not heard from him. I also sent an email and got no response.'

Company response to consumer: Closed with explanation