vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details.

If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account from my credit report immediately.

Let me be very clear : Im not asking whether the account looks familiar. I am demanding that you confirm that each data point reported under my name is accurate, verifiable, and truly mine. If theres even a shred of uncertainty, or if you can not produce the necessary records to validate this account as mine, it does not belong on my credit report and keeping it there would be a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
XXXX sent my account to collections on my credit report. I disputed the collection with all 3 credit companies because the amount was suppose to be removed from my XXXX account due to the representative informed me she was gon na remove it since i wasn't informed by the representative that my new.plan i enrolled in was under a contract. With XXXX  and XXXX, i dipsuted twice and both times my dispute was approved though they sold to another company. With XXXX i disputed it and it was removed. Now it has returned under collections with a new company.

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 2026-01-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
have an account with Aldous and Associates related to an unlawful detainer case. The court order states that my balance owed is {$11000.00}. However, when I log into Aldous and Associates portal, it shows a higher balance of {$12000.00}. 

I have made two payments of {$500.00} each, one on XX/XX/year>, and another on XX/XX/year>. Despite these payments, the balance on their portal remains {$12000.00}, which is {$1500.00} more than what I should owe according to the court order and my payments. 

I have tried contacting Aldous and Associates to resolve this discrepancy and requested a corrected balance statement, but the issue has not been fixed. 

I am requesting assistance to ensure Aldous and Associates update my balance to reflect the accurate amount I owe according to the court order and payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
To date, we are the management company responsible for maintaining/ managing the XXXXXXXX XXXX XXXX accounts. On XX/XX/year> a XXXX  operating account was closed by an unauthorized 3rd party. Additional vendors and monies will soon fall victim to this wrongful and illegal action taken by this banking institution ( Popular  Bank ). 
We immediately called the branch involved and have been completely ignored.

Our management company has been in this industry for 30+ years and are responsible for managing millions of dollars from thousands of homeowners. This wrong action effects countless people.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XX/XX/year> The company XXXX XXXX  is an app that doesnt give the option to cancel a subscription and it keeps charging my card. Everytime it charges my card I call my credit card company Wells Fargo bank and I dispute the charge and I have them give me a refund. Twice now Ive had to do this both times I asked them to stop allowing the fraudulent app to charge my card. I asked them to block them from being able to successfully charge my card and they havent done it.

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 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I filed dispute with XXXX  for unauthorized charges by deceptive practices. I have told XXXX  multiple times exactly why im disputing. Told them when I first disputed XX/XX/XXXX. Explained to them again when they denied the first time on XX/XX/XXXX and again upon appeal on XX/XX/XXXX. I recently had the appeal reviewed and was again denied on XX/XX/XXXX for the reason of " i added money into account therefore I must have known about the transaction '' Are you serious people? When conducting an investigation from a dispute, it is the merchants who carry the burden of proof to show that they are a legally operating company and that they are following consumer protection laws. The disputes i filed are from sites that have been found to be operating illegally and found to be in violation of consumer protection laws. Thats been established and unarguable by the tennessee attorney general. XXXX  has given me this same response which doesnt show any type of investigation being conducted on the merchant as they are legally required to do. Had they followed the law and rules of correct investigating procedures, they would find all of my disputes are against sites that systematically lie and make promises that they never intend to keep all while stealing your money. They were selling a lie and its the responsibility of my bank to protect me from these crimes, not investigate me as tho im the criminal. I am offended and angry that these financial institutions can be so lazy when it comes to their customers. If I didnt know better, I woukd think that XXXX is working with these illegal sites or they deny my claim meanwhile initiating the chargeback and keeping the money for themselves. Who is there to stop them? They feel comfortable enough to give me a denial response that has nothing to do with my dispute so theres obviously no checks or balances in place to ensure that they are doing their job. One could easily deny legitimate claims while simultaneously keeping the funds from the dispute for their own gains. Its the only logical reason that I can think of to not conduct a proper investigation and repeatedly make the same erroneous decision. Who's there to stop them?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I finished paying off my title in XXXX, and was sent paperwork to let me know it was done but never received my pink slip. I went to sell my car in XXXX to be let know the title was still not in my name, to find out XXXX whole months later they had messed up paperwork in XXXX and had not started the process to rectify their mistake. I have since been given runaround after runaround when it comes to getting my title, this is my car, I just want my title. This is all with Honda Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent a formal written dispute and request for documentation to TD Auto Finance regarding this auto loan. TD received it on XX/XX/XXXX. That same day, TD Auto Finance reported this account as delinquent to consumer credit reporting agencies, before any reasonable investigation could have been completed. The vehicle associated with this loan is titled to a limited liability company, and I am listed only as a personal guarantor. In addition, the dealer failed to timely provide marketable title and permanent registration. The vehicle has been operated under extended temporary registrations due to hard tags have not been issued. 
Despite these unresolved defects and the active dispute, TD Auto Finance has continued billing, reporting derogatory credit information, and pursuing enforcement. The only correspondence I have received since submitting my dispute is an automated repossession notice dated XX/XX/XXXX, which predates my dispute and does not address the issues raised. 
I am requesting that the company conduct and document a reasonable investigation, correct or remove inaccurate credit reporting, suspend enforcement while the dispute is pending, and address the unresolved title and registration defects.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On or about XX/XX/year>, I was the XXXX victim of a phone scam involving coercion and account compromise. The scammer manipulated and pressured me into withdrawing approximately {$10000.00} in cash from my Wells Fargo account and handing it over. I was under duress and did not understand I was participating in fraud. Following this incident, unauthorized activity and cash advances occurred after the scammer gained control of my account information. I immediately reported the fraud to Wells Fargo and filed a police report. Wells Fargo denied the claim twice, stating the withdrawal was " authorized. '' However, this transaction was the result elder financial exploitation and coercion. I am an elderly customer receiving Social Security and pension income. The bank failed to properly investigate the circumstances of duress and account compromise. I have submitted a sworn, notarized affidavit and police report documenting the fraud and exploitation. I am requesting that Wells Fargo conduct a full reinvestigation under Regulation E and provide reimbursement for the fraudulent loss resulting from elder financial abuse.

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 2026-01-26 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: Atlanticus Services Corporation
State: MS

Complaint narrative:
XXXXXXXX XXXX closed both of my credit card accounts immediately after I filed disputes for unauthorized charges. The dispute on the account ending in XXXX was never added or investigated, and the dispute on the other account was not completed. XXXX closed the accounts while the disputes were still pending. 

XXXX cited over limit usage as the reason for closure, but XXXX approved the transactions and the accounts were enrolled in overlimit protection. There were no late payments on either account at any time. 

The timing and actions indicate that XXXX closed the accounts in retaliation for filing disputes, which is inconsistent with the Fair Credit Billing Act. I am requesting that the CFPB review : Why XXXX failed to add or complete the disputes on both accounts Why the accounts were closed despite overlimit protection and no delinquencies Why the closures occurred only after I exercised my right to dispute unauthorized charges Why XXXX reported inaccurate closure reasons I am requesting that XXXX complete the dispute investigations, correct any inaccurate reporting, and provide a compliant explanation for the account closures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
I am writing to formally appeal the late fee charged to my account on XX/XX/year> by Avant. I am requesting a full reversal of this fee based on the following facts : Timely Payment : I made my credit card payment on the scheduled due date at XXXX XXXX Pacific Time. 
Lack of Disclosure : My billing statement does not specify a payment cutoff time ( e.g., Eastern Time ). Without a clearly disclosed cutoff time in the terms provided to me, a payment made on the calendar due date should be considered timely. 
Representative Confirmation : I specifically called and spoke with a representative at XXXX XXXX  PT to ensure the payment was recorded correctly. That representative explicitly informed me that if a late fee were to appear, it would be removed upon request. 
Good Faith Effort : I intentionally bypassed the app to speak with a human agent to confirm my compliance with the due date. 
I value my relationship with Avant and have made every effort to ensure this payment was handled correctly. I look forward to your confirmation that this fee has been removed. Furthermore I believe this may be a scam to get more late payment fees and I will be looking into that particular theory more with other agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Halsted Financial Services, LLC.
State: NV

Complaint narrative:
XXXX XXXX XXXX was harassing me by calling at all odd hours of the day and night. Therefore, I submitted several complaints to the CFPB because of it. Now I have received a TEXT MESSAGE from HALSTEAD FINANCIAL SERVICES, LLC to pay a debt to XXXX XXXX XXXX  that has ALREADY been CLOSED AND REMOVED from my credit reports. I DIDN'T THINK THAT I WOULD HAVE TO BE BOTHERED WITH THE DEBT COLLECTORS ANYMORE BUT HERE I AM COMPLAINING AGAIN. NOW, THE NEW DEBT COLLECTOR SAYS I OWE XXXX XXXX, XXXX. BOTH PARTIES I HAVE NEVER HEARD OF AND I HAVE LETTERS FROM THE OFFICE OF THE COMPTROLLER OF CURRENCY THAT THE DEBT IS CLEARED AND THERE IS NO FURTHER ACTION TO TAKE. XXXX XXXX XXXX IS BEING SO HARASSING AND NOW THEY HAVE SOLD MY INFORMATION TO A 5TH PARTY TO ATTEMPT TO COLLECT SOMETHING THAT IS ALREADY CLOSED! I AM SURE THEY CALL FROM UNKNOWN NUMBERS THAT DON'T GET ANSWERED.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
On XX/XX/year>, XXXX  provided information regarding a refund and told me I would have this within 4-6 weeks. I have two adjustments on my account, however, my account still has negatives and has not been XXXX  out. Since that time, no work has been done on my account, my refund has not been sent as promised, when I contact customer service they tell me the information shouldn't have " been shared ''. I just want my account finalized and want the information that is shared to be consistent. I will include copy of the message they provided, since that time, they only give generic responses of 7 months, which it has been anyways?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a check for {$7700.00} XX/XX/year> said check was signed and deposited via ATM at Chase XX/XX/year> XXXXXXXX XXXX Chase cleared the check XX/XX/year>. Chase then claims they suspected fraudulent activity and needed to verify my identity. Unfortunately I was incarcerated this same week for ( XXXX ) months and was unable to speak with a Chase representative on said matter. This led to Chase closing my account ( XXXX ) weeks later. They said the check was sent back to my former mailing address.. I only received a cashier check from Chase in the amount of {$51.00}. ( Which I cashed at the Chase branch last week ) Upon speaking with representatives within Chase deposit hold team ( XXXX ) verified Chase was holding the money pending the validity of the check. Now they claim to not be able to verify the check and release my money which was originated from my XXXX. I have spoken with XXXX XXXX XXXX ( formally XXXX XXXX XXXX XXXX ) who only divulged the check was cashed XX/XX/year>. Note : this is the date Chase cleared it. I understand XXXX XXXX XXXX fulfilled their duty in cutting the check therefore no longer accountable for the money. Chase representatives continuously say the check was cashed XX/XX/year> .. note : cleared in their bank on said date! And I have a bank statement which highlights all transactions from deposit date to the closing date of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
Hello, My full-time employment with the XXXX XXXX XXXX XXXX XXXX XXXX eligible for the Public Service Loan Forgiveness ( PSLF ) program, was recertified by Federal Student Aid on XX/XX/XXXX, covering the period from XX/XX/XXXX through XX/XX/XXXX. However, my PSLF eligible qualifying payments from XX/XX/XXXX through XX/XX/XXXX are missing from the Federal Student Aid portal. 

My PSLF qualifying payment history spans from XX/XX/XXXX through XX/XX/XXXX ( with XXXX XXXX, a non-profit certified for PSLF ) and from XX/XX/XXXX to the present day, XX/XX/XXXX ( with the XXXX XXXX XXXX XXXXXXXX XXXX, also certified for PSLF ). 

Despite submitting another PSLF employment certification form that was approved by Federal Student Aid on XX/XX/XXXX, my qualifying payments remain unrecorded for the period of XX/XX/XXXX to XX/XX/XXXX. All my eligible payments have been verified by my loan servicer, XXXX, and my account remains in good standing. 

Following advice from the Federal Student Aid help desk, I submitted a Reconsideration Request on XX/XX/XXXX, to have my PSLF eligible payments manually recounted. With no updates being made, I submitted another Reconsideration Request on XX/XX/XXXX. As of my call to the help desk on XX/XX/XXXX, both Reconsideration Requests are still pending. Federal Student Aid Case # XXXX. 

Today is XX/XX/XXXX, and my payments for XX/XX/XXXX through XX/XX/XXXX still have not been updated in the Federal Student Aid portal.

I am requesting assistance in having my PSLF eligible payments recounted manually to ensure they are accurately reflected in the Federal Student Aid system.

Please let me know if you have any questions or require further information. Thank you for your support.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MoneyLion Inc.
State: WA

Complaint narrative:
I deposited {$1600.00} from my personal debit card into my MoneyLion XXXX checking account. Ten days later, I attempted to transfer the funds out via ACH. MoneyLion then closed my account without prior notice, citing the Demand Deposit Account Agreement, and stated the account was not eligible to be reopened.

After the account closure, MoneyLion sent me an email stating they would attempt to return funds, but no funds were returned. Eleven days later, I received another email stating that my transfer was unsuccessful. When I contacted MoneyLion customer service one month later, I was told that my funds would be held due to unusual activity, and they refused to send my money back to me.

The {$1600.00} consists of my own funds deposited from my own debit card. MoneyLion has not provided any documentation of fraud, legal hold, or timeline for returning my money. As of today, they are holding my funds indefinitely and refusing to release them.

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 2026-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: TX

Complaint narrative:
Account XXXX XXXX XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation