vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 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: Opportunity Financial, LLC
State: NJ

Complaint narrative:
I took out this loan I was making regular payments. When I got injured at work and was out of work for 8 weeks. In that time I missed 4 payments. And ever since then none of my payments have been applied to principal only interest. I don't believe that is fair. They are basically ripping me off for the last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint against Kia Finance America regarding an unauthorized charge added to my auto loan account and the lack of resolution despite repeated attempts. In XX/XX/year>, my vehicle was temporarily repossessed. I paid {$2800.00}, which included all required fees, I also paid up extra {$3000.00} for three months of payments in advance ( through XXXX ), and my account was confirmed as current. Four months later, Kia Finance added an unexplained {$260.00} charge to my account. For more than 1.5 weeks straight, I contacted their customer service and was repeatedly transferred, placed on long holds ( 45 mins - 2hours each call ), and provided inconsistent or inaccurate information. Ultimately, I was told the charge was for a flatbed tow supposedly billed by the repossession company XXXX XXXX To verify this, I contacted the owner of the repossession company directly. He confirmed they never submitted any invoice for a flatbed tow, ( I do have audio evidence to support my claim ) He also confirmed my account with them is clearfurther proving that the fee is invalid. Despite this information, Kia Finance has refused to remove the improper charge and has not provided any legitimate documentation to justify it. Their handling of this matter has demonstrated poor customer service, lack of accountability, and unnecessary consumer hardship. I am requesting the assistance in having this invalid charge removed and in addressing Kia Finances failure to provide accurate information or adequate support. Thank you for your time and attention. Desired Billing adjustment I am requesting to remove extra fee and the false claim of repossession charge also I am requesting a correction to my billing records. Ive been paying and it still not showing correction in my portal. I have been informed that my XX/XX/year> payment was not received ; however, this is incorrect. I have proof that my car payment was paid in full. I am also requesting the removal of all additional charges being assessed, including the retrocession fee. I paid my account in advance and satisfied all outstanding debt, so the additional {$280.00} in extra and late fees is not valid. These charges have been in dispute since XX/XX/year>. Additionally, please ensure that the payment extensions promised for XXXX and XXXX were properly applied to my account. I am requesting that my account be returned to good standing once these corrections are made. Thank you for your prompt attention to this matter.

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 2026-04-13 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: VA

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 2026-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tiffany & Bosco, P.A.
State: IL

Complaint narrative:
XXXX and XXXX XXXX. represents XXXXXXXX XXXX. This company has put a judgement in my name stating that i owe taxes to a city that i do not reside in. This company has predator pratices altough I have given documentation that I do not reside in the area they claim I owe taxes for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting and failure to properly investigate a disputed account on my credit report. The account in question is listed as XXXXXXXX XXXX XXXXXXXX and is reporting as a derogatory account with a balance of {$600.00}. The account shows a first reported delinquency date of XX/XX/XXXX, and an account opened date of XX/XX/XXXX. The account is currently listed as open and continues to report negatively on my credit profile. This account does not belong to me. The debt is associated with a former roommate and not myself. Despite this, the account has been reported under my credit file, which is inaccurate and misleading. I previously disputed this account with the credit bureaus, including Experian. The account reflects that a dispute was initiated, and the status shows consumer disputes this account information and reinvestigation in process. However, the account continues to be reported without correction or proper validation. This situation violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : * Failure to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ) * Failure to conduct a reasonable reinvestigation of disputed information under 15 U.S.C. 1681i * Reporting information that can not be properly verified as belonging to me The continued reporting of this account has caused harm to my creditworthiness and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Kikoff Inc.
State: CA

Complaint narrative:
I went to pull out {$100.00} but I saw that the payback date was the XXXX which I had just gotten paid on the XXXX. I contacted the support boss and it said once you withdraw the money then you can contact support to change the date to your pay date, therefore I pull out the money and change the date and contact them telling them my payday was incorrect on the website here 's my actual pay date which would be the XXXX and I even sent them a screenshot of my paystub 's and pay history showing which days I'm paid they refused to rectify it and offered only seven days so I'm now reporting them for predatory business practice and terrible customer support. they were not helpful at all and kept sending the same message over and over and over

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
JEFFERSNCP is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSNCP 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 2026-04-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
Unreasonable 13-Day Hold on {$410000.00} and Total Communication Failure I am a XXXX consumer with significant health issues recently discharged from skilled nursing. I am attempting to move {$410000.00} of my life savings from Bank of America to XXXX XXXX XXXX XXXX to fund my transition into a long-term care facility ( XXXX XXXXXXXX XXXX XXXX XXXX Despite meeting every documentation request made by the bank, Bank of America is currently withholding my funds without a written reason and has ceased all communication with me for 10 consecutive days. Detailed Timeline of Events : XX/XX/year> : I visited the Bank of America XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, NM. I requested a cashiers check for {$410000.00}. I was told a " fraud investigation '' hold was required. I immediately provided a notarized letter explaining the purpose of the withdrawal ( funding my long-term care ) and identifying the receiving institution ( XXXX XXXX ). XX/XX/year> : I returned to the branch as instructed. I was told I must also provide a copy of my most recent XXXX XXXX statement to prove the legitimacy of the destination account. XX/XX/year> : The requested XXXX statement was given to Financial Center Assistant XXXX XXXX XXXX. XXXX XXXX stated she would call me with a status update. She has not called since. An attempt made to contact XXXX XXXX via her direct number went to voicemail and was returned. XX/XX/year> : I returned to the branch in person to speak with the XXXX XXXX. I was told the manager was unavailable. I requested a call with an update, but did not receive a call.. XX/XX/year> ( XXXX ) : As of today, 13 days after the initial request and 10 days after providing all requested documentation, the bank continues to withhold my funds and refuses to speak with me. Financial and Personal Harm : Lost Interest : By withholding these funds, Bank of America is preventing me from earning a substantially higher interest rate at my credit union, which is essential for my long-term care budget. Obstruction of Care : This delay is directly interfering with my ability to finalize my move to a long-term care facility following a major medical crisis. Lack of Notice : I have received no written notice explaining the legal or regulatory basis for a hold exceeding 10 days after compliance documentation was provided.

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 2026-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I was charged lender placed insurance in XXXX I have called in every month for XXXX years to ask for it to be refunded, sending all proof that insurance was never canceled in the house. I was reassured by many agents that it would be refunded within five days, for it never to happen. That is {$2000.00} shortage to my escrow for XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/year>, a 30 day late was reported on my Bank of America Platinum Plus Visa credit card, due to a documented autopay glitch between financial institutions ; not negligence or financial hardship. This was only the second late payment in the account 's entire 17+ year history, and the first in over four years. Without warning, notice, or human review, the bank algorithmically closed my account and reported both the late payment and the closure to all three credit bureaus, causing a 28-40 point FICO score drop. I have since contacted the bank 's executive team via certified letter and email, visited a local branch, spoken with three internal departments, and worked with the Credit Reporting Resolution Team. I was told it is the bank 's policy not to exercise discretionary exclusions, despite the fact that the FCRA does not require creditors to report all data and information indiscriminately ( creditors exercise selectivity in what they choose to report every single day ). The FCRA only requires accuracy IF a creditor chooses to report, not that they must report everything. The account closure was an automated algorithmic decision made without human review or oversight, which I believe is disproportionate given 17+ years of otherwise excellent payment history, and nearly 28 years of flawless payment history with all my other BofA accounts.

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 2026-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
on Thursday, XX/XX/XXXX, I had the XXXX XXXX clerk office in XXXX Tennessee fax over a request form for my original car title to be sent over to the state so that I could register my car in Tennessee. As of XX/XX/year> I have made monthly payments on this car of {$380.00} and have never missed a payment. On that day, XX/XX/XXXX I presented the county clerks office with a copy of my title, which is what the company Bridgecrest had sent over to me. After being told that they could not accept a copy and that they would need the original title they then faxed over a request form for that original title straight to Bridgecrest with a fax number that Bridgecrest had provided to me personally as soon as that request form had been sent over. I immediately called Bridgecrest to see if they had received it. I was then told to check back in on Tuesday, XX/XX/XXXX to see if they had received it upon calling on Tuesday, I was then told that they had not received it yet and that I should call back on Friday, XX/XX/XXXX. When calling back on Friday, XX/XX/XXXX I was told that the process of receiving the request form and them sending the title back over could take upwards of eight weeks on XX/XX/XXXX. I had requested a temporary tag which I was told Tennessee doesnt typically issue that would expire on XX/XX/XXXX. XXXX weeks after XX/XX/XXXX I called Bridgecrest to check in and see if they had received the request form and was told that they had never received it and then I would have to go back to the county clerks office and have them resend over the request form for my original title as of XX/XX/XXXX. The temporary tag expired and I have not been able to drive my vehicle. I am still making payments for the car that I can not drive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: SD

Complaint narrative:
As a borrower with Freedom Mortgage, I am unable to access my mortgage account because the username and email on file are no longer valid due to my retirement. Despite multiple attempts ( at least three ) to resolve this through customer service, I have not been provided with a viable method to verify my identity and regain access. I am enrolled in paperless statements, which has left me without access to critical account information. I was forced to request my tax statement by phone due to this issue. Each interaction with customer service has resulted in inconsistent responses and no resolution. I have been told systems are down, that someone would be contacted internally, and have been given no clear timeline or follow-through. I have also requested escalation to a supervisor and was left waiting for an extended period with no assistance. At this point, I believe I am being unreasonably denied access to my own mortgage account and financial information. I am requesting immediate correction of my account credentials, an update to my contact information, and full restoration of online access. If this matter is not resolved promptly, I expect it to be formally reviewed for failure to provide account access and adequate customer service.

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 2026-04-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reel Time Capital LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: Affirm Holdings, Inc
State: AZ

Complaint narrative:
" } I am filing a complaint against Affirm regarding a loan for a medical procedure that was never performed. I financed a procedure through a clinic, but the clinic refused to perform the XXXX due to medical reasons ( low hemoglobin levels ). Despite this, I have already paid more than 50 % of the loan, and neither the clinic nor Affirm has provided a solution. I have attempted to contact Affirm multiple times through their app and email, but I have not received any response. I am requesting a full investigation and cancellation or refund of this loan, as the service was never provided. Thank yo

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/year>. I went to deposit {$930.00} in cash via atm at Truist Bank XXXX XXXX XXXX XXXX in XXXX, XXXX. The atm gave me an error and a receipt stating to call and make a dispute and my entire amount was taken. I have submitted 2 disputes because the first claim, my funds was not returned to me in the 5 days as they promised me. This was my rent money and I have now been evicted due to non payment and my 3 days to pay have passed. Claim # XXXX Description : atm cash deposit 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 non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
I can not get anyone at my mortgage services to speak with me. They are claiming they can't speak with me due to my bankruptcy. They are billing me for erroneous fees and won't explain what these fees are.

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 2026-04-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
I am filing a complaint against Waypoint Resource Group LLC for reporting and attempting to collect a debt that I do not owe. This account is related to XXXX XXXX. I opened an account but was unable to use the service because my phone was locked and could not be activated. As a result, no services were ever used. Additionally, XXXX XXXX has already acknowledged that the balance being reported was not accurate and removed multiple charges. This raises serious concerns about the validity and accuracy of the remaining balance being reported. Despite this, Waypoint Resource Group LLC continues to report a collection account on my credit report. I disputed this with the credit bureau, and it was marked as verified as accurate, however no documentation or proof was provided to me. I am requesting that Waypoint Resource Group LLC provide : * Proof that services were actually activated and used * A valid contract or agreement showing I am responsible for this debt * Full account history and billing statements showing how this balance was calculated If this documentation can not be provided, I am requesting immediate deletion of this account from all credit reporting agencies. This inaccurate and inconsistent reporting is negatively impacting my credit and must be 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 2026-04-13 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: Nelnet, Inc.
State: GA

Complaint narrative:
I am disputing multiple Nelnet student loan tradelines reporting XXXX late payment history on my XXXX credit file. XXXX closed my prior dispute with a " customer disagrees '' notation without conducting a legitimate reinvestigation. Nelnet has never produced documentation verifying each specific late mark, including confirmation that no late payments occurred during deferment, forbearance, income-driven repayment periods, or XXXXOVID-19 administrative forbearance. Each 120-day late notation is a separate reportable data point that must be individually verified. Continued reporting of unverified derogatory history violates FCRA 623 ( a ) ( 8 ) and 611 ( a ) ( 1 ).

Company response to consumer: Closed with explanation