vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-11 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: FL

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that YOU, the credit reporting agency to immediately block and permanently remove the fraudulent accounts that was added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided valid FTC Fraud Reports ( Criminal Complaint [ XXXX & XXXX ] ). It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights. This fraudulent, inaccurate, and false information consists of Accounts : ( XXXX, ACCT : XXXX, OPENED : XX/XX/XXXX ), ( XXXX, ACCT : XXXX, OPENED : XX/XX/XXXX ), ( XXXX XXXX, ACCT : XXXX, OPENED : XX/XX/XXXX ), ( XXXX XXXX, ACCT : XXXX, OPENED : XX/XX/XXXX ), ( XXXX XXXX XXXX, ACCT : XXXX, OPENED : XX/XX/XXXX ), ( XXXX XXXX XXXX XXXX , ACCT : XXXX, OPENED : XX/XX/XXXX ), ( XXXX XXXX XXXX , ACCT : XXXX, OPENED : XX/XX/XXXX ), ( XXXX XXXX XXXX , ACCT : XXXX, OPENED : XX/XX/XXXX ), ( XXXX XXXX, ACCT : XXXX, OPENED : XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meridian Financial Services, Inc.
State: IN

Complaint narrative:
I disputed a collection account being reported by Meridian Financial Services in the amount of {$3800.00}. I sent multiple written requests for validation under FDCPA 809 and the company failed to respond are provide any proof the debt is valid. Dispute my disputes Meridian Financial Services continue to report this account as OPEN on my credit report. They have failed to provide * Assigned contract. * Proof of owner. * A complete chain of assignment. * Documentation showing authority to collect or report. The company is continuing to report Unverified information willfully is in violation of the Fair Credit Reporting Act ( FCRA ) 611 and FDCPA.

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 2026-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: NY

Complaint narrative:
I am submitting a complaint regarding MOHELAs handling of my income-driven repayment ( IDR ) payment calculation. My most recent tax return included a one-time, nonrecurring settlement payment that significantly inflated my adjusted gross income and does not reflect my actual current financial situation or ongoing income. I am currently out of work on disability and my present income is substantially lower than what appears on the tax return being used. I attempted to provide alternative documentation of income, including an explanation of my circumstances and available documentation, in order to have my payment recalculated based on my current income. However, MOHELA rejected the documentation because I do not have pay stubs within the requested 90-day timeframe due to being out of work on disability. In addition, the online IDR system automatically retrieves IRS tax information and does not provide a functional way for me to opt out of or bypass the IRS retrieval process in order to submit alternative documentation for manual review. As a result, my payment is being calculated using income that is not representative of my actual financial situation. The resulting monthly payment is unaffordable. I have attempted to resolve this directly with MOHELA but have not been provided with a meaningful solution or clear guidance regarding acceptable documentation for borrowers currently on disability without recent pay stubs. Additionally, it is nearly impossible to speak to a customer service agent on the phone due to extremely long wait times. I am also pursuing Public Service Loan Forgiveness ( PSLF ) and am concerned that MOHELAs inability to properly process my current income situation could negatively impact my ability to remain in an affordable qualifying repayment plan and continue making PSLF-eligible payments. I want to ensure that delays, servicing issues, or inability to obtain an accurate IDR payment do not jeopardize my PSLF progress, as there is already been an ongoing issue with delays in processing my payments and progress toward forgiveness.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Guild Holdings Company
State: TX

Complaint narrative:
I am submitting this complaint against Guild Mortgage Company LLC for failure to timely execute a permanent loan modification following a successfully completed Trial Period Plan, for inaccurate credit reporting resulting from that failure, and for failure to provide a functional Single Point of Contact under 12 CFR 1024.40. Facts : 1. On XX/XX/XXXX, Guild executed a Streamline Flex Modification Trial Period Plan Agreement with us, signed on Guild 's behalf by XXXX XXXX, Loss Mitigation Specialist. The agreement required three trial payments of {$3000.00} with due dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 2. All three trial payments were made on or before their respective due dates. The Trial Period Plan was successfully completed on XX/XX/XXXX. 3. Under XXXX XXXX XXXX Guide D2-3.2-07, Guild was required to execute the permanent loan modification with an effective date no later than XX/XX/XXXX, the first day of the month following successful trial completion. 4. As of today, more than 71 days past trial completion, Guild has not issued the executed Loan Modification Agreement. We have continued to make on-time monthly payments in the trial amount of {$3000.00} at the end of each month for XXXX, XXXX, and XX/XX/XXXX. 5. Guild continues to report this account as delinquent to the consumer reporting agencies for XX/XX/XXXX forward. Had Guild executed the permanent modification on its required schedule, the account would have been reported as current under the modified terms. The continued delinquency reporting is a direct result of Guild 's servicing failure and is causing material damage to our credit, further hurting our situation we are trying to correct. 6. Guild has failed to provide a functional Single Point of Contact as required under 12 CFR 1024.40. Every call to the loss mitigation number ( XXXX ) routes to a different representative on the " XXXX XXXX, '' with no file continuity, no consistent knowledge of prior conversations, and no authority to resolve the modification delay. Guild 's own phone number references the XXXX requirement they are failing to meet.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Tesla, Inc.
State: MO

Complaint narrative:
I APPLIED FOR TESLA FINANCING, WAS DENIED. PER THEIR OWN POLICY NO REFUNDS UNLESS YOU ARE DENIED IS WHY I WAS TOLD OVER THE PHONE. COOL. I APPLIED AND PAYED {$500.00} XX/XX/XXXX. WHEN I WAS INFORMED OF DENIAL I ASKED FOR MY REFUND TO BE PROCESSED AND WAS TOLD IT WAS INITIATED AND WOULD BE RETURNED TO MY CARD WITHIN 7-10 BUSINESS DAYS. IT IS NOW A MONTH LATER AND WHEN I CALLED TO FIND OUT XXXX WAS TAKING SO LONG, I WAS TOLD SOMEONE SCREWED UP THE FIRST TIME AND THEY HAVE TO RE-DO IT AND WILL TAKE ANOTHER 7-10 BUSINESS DAYS, & FRANKLY THATS XXXX XXXX XXXX & NOT MY PROBLEM THAT SOME XXXX CANT PROCESS A REFUND CORRECTLY. I WANT MY MONEY BACK & XXXX XXXX XXXX XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my credit report. They are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
In early XXXX XXXX, I refinanced a student loan with SoFi. Two of my scheduled monthly payments on XX/XX/XXXX and XX/XX/XXXX were declined without any explanation or notification from SoFi. My payments on XX/XX/XXXX and XX/XX/XXXX were accepted successfully, which indicates the issue is not with my bank account or payment source. I have not received any written or verbal explanation for why these two specific payments were declined. As a result, interest has continued to accrue on my account during the periods these payments were rejected, at no fault of my own. I am requesting : ( 1 ) a written explanation for why these payments were declined, ( 2 ) confirmation of any additional interest that accrued as a result, and ( 3 ) a waiver of any interest that accrued due to SoFi 's failure to process my payments. When I contacted SoFi, I was told the only way to reach them is by phone, and when I called before the agent was not clear or helpful and did not provide satisfactory answers. I am filing this complaint to create an official record and request resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/year>, I opened an account with Ally Bank. The following day, I deposited {$4000.00} that I transferred from another account in my name, along with a {$36000.00} check from my mother. On XX/XX/XXXX, Ally Bank froze my entire account and restricted access to all funds, stating they needed to verify the check. I immediately contacted their Fraud Department and spent nearly an hour answering questions and providing detailed information to support their investigation. Today is XX/XX/XXXX, and my account remains frozen. I am still unable to access any of my money. I contacted Ally Bank again this morning and spent another 30 minutes repeating the same information I had already provided on XX/XX/XXXX. They reported no progress and could not give me any timeline for when my funds would be released. As a result, I am unable to pay my bills and have no access to my own money. Ally Bank is not acting in good faith, nor are they conducting a timely or competent investigation into this matter. Their handling of this situation has left me in a financially vulnerable position. I respectfully request your assistance in resolving this issue with Ally Bank, as I urgently need access to my funds to meet my financial obligations.

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 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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 2026-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
NFCU, escrow department has mismanaged or made projection errors concerning my mortgage at XXXX XXXX XXXX XXXX, XXXX md XXXX. They recently raised my PMI payment almost {$300.00} to cover what they say was a shortage. However, they can not explain where or why the shortage occurred. It is understood that the property assessment was raised and they would raise the payments due to that however the amount that the payment was raised too is not consistent with the new tax assessment. The amount is also not consistent with the neighboring property PMI which I also own. I am trying to find out why I am faced with not making payments or raising the rent for my low income renters based on an increased escrow projection! The new payment is no where consistent with the neighborhood or the connected property! The interest rate was already quite high and the added increase to pay an unknown shortage could force me to lose the home! I would really hate losing a home based on the escrow projections or an error made by the escrow department at NFCU. This same department made an error for another home of mine in access of {$700.00} so they are consistently inept. Please assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am filing a complaint against TD Bank regarding their repeated refusal to accept legitimate business documentation as proof of address for a business checking account. Since XX/XX/year>, I have made multiple in-branch visits to provide proof of address for my LLCs business checking account. TD Bank has refused to accept : 1. XXXX-generated business invoices bearing my business address 2. Publication invoices from newspaper publishing required under XXXX XXXX XXXX XXXX XXXX TD Banks stated reason for rejection is that I could have just put my address on these documents implying they are self-generated and therefore invalid. This reasoning is arbitrary and inconsistent with standard banking practice. XXXX invoices are time-stamped, sequentially numbered business records. XXXX XXXX XXXX XXXX publication invoices are issued by third-party newspapers as legal compliance documents they are not self-generated under any reasonable interpretation. TD Bank has provided a clear written policy explaining what documentation would be acceptable, but goes against this very policy. This has caused repeated wasted trips, delays in accessing business banking services, and material harm to my ability to operate my business. I am requesting that the CFPB investigate TD Banks proof of address documentation standards for business accounts, and require TD Bank to either accept the documentation I have provided or provide a clear, written, and reasonable explanation of what they will accept. State of Formation : XXXX XXXX XXXX : TD Bank XXXX XXXX Date Issue Began : XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST HORIZON BANK
State: AR

Complaint narrative:
I am submitting a formal complaint regarding the handling of a recent debit card dispute on my account. On XX/XX/XXXX, I visited XXXX XXXX XXXX with a friend and initially attempted to start a tab. After learning the restaurant intended to keep my card during the tab process, I requested to be cashed out instead. My portion of the bill was approximately {$43.00}. Later that evening, I noticed two pending charges on my account one for {$43.00} and another for {$46.00}. I initially assumed one of the pending transactions would fall off and that it was there because of the initial start a tab idea. However, after the transactions posted, I noticed I had effectively been charged approximately {$90.00} total. I contacted the restaurant and attempted to speak with management regarding the issue. During the dispute process with the bank, First Horizon, I explained that I did not receive a final receipt from the merchant, but that I had contextual evidence supporting my claim, including a video taken at the restaurant where the transaction amount was discussed. Despite this, the dispute was denied primarily due to lack of a receipt. Afterward, the restaurant manager acknowledged issues with their XXXX XXXX, described it as janky, and refunded the full amount directly to me via XXXX XXXX. At this point, my concern is no longer strictly about reimbursement, since the merchant resolved that portion. My concern is the quality and thoroughness of the dispute investigation conducted by First Horizon. Given the circumstances and the merchants later acknowledgment of XXXX processing issues, I do not feel the matter received an adequate review. As both a customer and employee of the bank, this experience has significantly impacted my confidence in the institutions dispute resolution process and customer advocacy standards. I would appreciate a formal review of how this claim was handled, including whether appropriate investigative procedures were followed before the denial decision was made. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This had been on my credit report for years and Ive disputed this multiple times and everytime my dispute was denied Ive never had any payday loan in my life so I dont know anything about it I need help getting this taken off my credit report from all 3 credit bureaus , XXXX XXXX , XXXX , and XXXX they say I owe them {$550.00} but I have never gotten a payday loan or any loan in my life this is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Consumer Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To the Consumer Financial Protection Bureau : I am providing this updated information to request urgent intervention regarding an ongoing account takeover and fraudulent activity. Despite my continuous efforts to resolve this since XX/XX/XXXX, Wells Fargo is moving to reverse a {$4900.00} provisional credit on XX/XX/XXXX. Timeline and Basis for Complaint : Persistent Fraudulent Activity : I have been fighting this account takeover and reporting fraudulent activity since XX/XX/XXXX. Admitted Bank Negligence : In a letter dated XX/XX/XXXX, the Wells Fargo XXXX Complaints Management Office admitted that " appropriate steps were not taken by our employee ( s ) to change your account number '' when I first contacted them regarding the fraud on my account ending in XXXX. Delayed Security Response : The bank confirmed a " hard hold '' was not placed on the compromised account until XX/XX/XXXX, which allowed the unauthorized activity to continue long after my initial reports. Contradictory Findings : On XX/XX/XXXX, the bank issued a resolution letter claiming the disputed activity ( Reference # : XXXX ) was " similar to your previous purchasing pattern ''. I strongly dispute this ; a {$4900.00} loss is not " normal usage ''. Conclusion : Wells Fargo has explicitly admitted in writing that its staff failed to secure my account after being notified of a compromise. I should not be held financially responsible for a loss that was facilitated by the bank 's own documented negligence and failure to act on my reports for over five months.

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 2026-05-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Company : Navy Federal Credit Union Type of Complaint : Identity theft / Fraud Description of the Problem : A fraudulent auto loan was opened in my name on XX/XX/year>, for {$19000.00}, with a reported balance of {$13000.00}. I did not authorize this loan, and it was opened using my Social Security number. This account is the result of identity theft and has negatively impacted my credit. Under 15 U.S.C. 1681c-2, I request that any information resulting from this identity theft be blocked from my credit file no later than 4 business days after receipt by the consumer reporting agency. I request that Navy Federal Credit Union and the CFPB investigate, remove the fraudulent account, restore my credit, and prevent further misuse of my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation