vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: AZ

Complaint narrative:
Here 's the complaint narrative : On XX/XX/year>, my mother entered into a consumer installment loan agreement with MaxLend for {$420.00} at a 572.62 % APR, with a total repayment obligation of {$1800.00}. On XX/XX/year> 37 days after signing her treating physician administered a XXXXXXXX XXXX XXXX ( XXXX ) and she scored XXXX out of XXXX, indicating severe cognitive impairment consistent with XXXX XXXXXXXX XXXX XXXX. Her physician has certified in writing that she is unable to work and lacks the cognitive capacity to manage her financial affairs independently. It is our position that she lacked the legal capacity to understand the nature, terms, or consequences of this loan agreement at the time it was originated. Extending a 572.62 % APR installment loan to a borrower who lacked cognitive capacity to enter a binding financial agreement constitutes an unfair, deceptive, and abusive act or practice under UDAAP. She currently has no income and no active bank account. She is in the process of applying for XXXX XXXX XXXXXXXX XXXX. XXXX payment of {$66.00} was processed on XX/XX/year>. A subsequent full payoff attempt was intercepted by her XXXX of Attorney to protect her only remaining funds during her XXXX period. On XX/XX/year>, a written settlement offer of {$100.00} was sent to MaxLend at XXXX citing these circumstances. No response has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: Zions Debt Holdings
State: TX

Complaint narrative:
I am a victim of identity theft. The following accounts appearing on my XXXX credit report are not mine and were opened/used without my knowledge or authorization : Zions Debt Holdings , {$1600.00} balance ( open/ collections ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, secured loans/charged off, original balances around $ XXXX and $ XXXX ) XXXX XXXX ( auto lease , closed ) XXXX XXXX XXXX ( $ XXXX XXXX XXXX ) Dept of Education / XXXX ( student loan, past due ) These accounts do not belong to me. I have no relationship with these creditors, never applied for or received any of these loans/leases, and never lived at the addresses or used the phone numbers associated with them. This is clearly identity theft. I have already filed an identity theft report with the FTC ( include your FTC complaint number/reference here if you have it ). I am requesting that the CFPB forward this complaint to the credit reporting agencies ( XXXX ) and the furnishers of these accounts to investigate, verify, and permanently delete/remove these fraudulent accounts and all associated negative information from my credit reports. I also request that the credit bureaus place a fraud alert or credit freeze on my file. Please investigate and resolve this matter as soon as possible.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute several collection accounts currently appearing on my credit reports.These accounts are the result of identity theft and were opened or reported without my knowledge, authorization, or consent. I did not open or authorize any of the following accounts, nor did I provide any written instructions or permission for these creditors or collectors to access or furnish my personal credit information. Pursuant to 15 U.S.C. 1681c-2 ( a ) ( FCRA 605B ), I am requesting the immediate blocking and permanent removal of all information relating to these fraudulent accounts. The Fair Credit Reporting Act mandates that consumer reporting agencies must block such information within XXXX ( XXXX ) business days after receiving : Proof of the consumer 's identity, A copy of an identity theft report, and A statement identifying the fraudulent information. You are further reminded of 15 U.S.C. 1681b ( a ) ( 2 ) and 168lb ( t ), which strictly prohibit the use or furnishing of a consumer report without the consumer 's written authorization. Since I never authorized these accounts, your files must be updated accordingly. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), data furnishers are also prohibited from reporting information they knowor should knowto be inaccurate. Please ensure that all parties responsible for these erroneous reports are notified of the identity theft claim and that the fraudulent data is deleted across all repositories. I am requesting : Immediate deletion or permanent suppression of all fraudulent collection accounts. Written confirmation that the deletions have been completed. An updated and accurate copy of my credit report mailed to me at the address listed above. Enclosed are copies of my government-issued ID, proof of address, and police/FTC Identity Theft Report, along with supporting documentation verifying my identity and substantiating this claim. Summary of Disputed Accounts : XXXX XXXX - Account # XXXX {$610.00} XXXX XXXX XXXX Account # XXXX {$1200.00} XXXX XXXX XXXX-Account # XXXX {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am filing a formal complaint against TD Bank for denying my fraud claim ( Claim Number : XXXX ). On XX/XX/year>, I initiated a XXXX transfer of {$550.00} from my TD Convenience Checking account to my friend, XXXX XXXX, at her phone number ( XXXX ) XXXX. I have attached the original XXXX receipt which proves my intent was to pay my friend, not a merchant. Unknown to me, my friends phone number had been hijacked and intercepted on the XXXX network by a fraudster operating under the merchant name XXXX XXXX XXXX '. When I received an automated security text from TD Bank asking to confirm the transaction by replying 'YES ', I replied in good faith, believing I was verifying the payment to my friend XXXX XXXX I did not authorize any transaction to XXXX XXXX XXXX '. TD Bank denied my dispute solely because I replied 'YES ' to the automated text, failing to investigate the underlying token hijacking and interception that redirected my funds. Under the Electronic Fund Transfer Act ( Regulation E ), this is an unauthorized transfer induced by deceptive phishing and token manipulation. I request that TD Bank re-open this case, conduct a thorough investigation into the redirection of my XXXX token, and credit the {$550.00} back to my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: AZ

Complaint narrative:
b'I bought the services to teach myself on how to build a website for personal use. \nI didn\'t like the outcome of it I thought I cancelled any subscriptions I had and completely forgot about it.\n\nOn XXXX XXXX XXXX, TrueAccord sent a two message to XXXX XXXX at XXXX XXXX. Informing me about a debt from the creditor XXXX account ending in XXXX. At XXXX XXXX the same day I responded, " I\'m unwilling to pay, thank you!"\n\nAt XXXX XXXX, TrueAccord sent another message, " This is TrueAccord, a debt collector. Our website is easy to use. Give us another shot: XXXX. Reply STOP to opt out. \n\nThis final communication did not advise me that your efforts were terminating, nor did it notify me of specific legal remedies being invoked. It was an unlawful, continuing automated attempt to collect a debt after a clear refusal to pay. Under the FDCPA, consumers may recover statutory damages of up to XXXX, plus actual damages and attorney fees for non-compliance.\n\nWhile the original creditor terms may have initially granted permission to contact me, federal law explicitly permits consumers to revoke that consent at any time. Under 15 U.S.C. 1692c(c), my written statement refusing to pay legally stripped TrueAccord of any authority to send subsequent debt collection messages. Furthermore, continuing to transmit automated text messages after an explicit opt-out constitutes a willful violation of the Telephone Consumer Protection Act (TCPA), creating additional liability of up to XXXX per message.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Fee charged : {$15.00} per month Period : XX/XX/XXXX - XX/XX/XXXX Total dispute amount : {$270.00} Contacted bank : XX/XX/XXXX Resolution : one-time refund of {$15.00} only and account closed I am submitting this complaint regarding monthly service fees charged to my checking account by Citibank. I recently discovered that Citibank had been charging a XXXX XXXX monthly service fee to my checking account beginning in XX/XX/XXXX. I was unaware of these charges until I received a notification indicating that my account had become overdrawn. On XX/XX/XXXX, I contacted Citibank and requested a refund of the fees. I was informed that the charges were assessed because my account did not meet a monthly transfer requirement and that the bank had previously sent notice of this change. I do not believe this explanation adequately addresses my concerns. I have maintained this checking account for more than XXXX years and had never been charged monthly maintenance fees before XX/XX/XXXX. During my entire relationship with the bank, my accounts have been managed through automatic transfers and recurring transactions. As a result, I did not regularly monitor individual account activity because there had never been any history of monthly service charges on this account. Most importantly, I was not aware that a change had occurred that would result in recurring monthly fees. Had I been aware, I would have immediately taken steps to satisfy the requirements or close the account. Instead, the fees continued to accumulate until I was notified that the account had become delinquent. As soon as I became aware of the issue, I contacted Citibank and requested that the fees be refunded and the account be closed. I escalated the matter through XXXX supervisors. Both supervisors denied my request for a full refund. XXXX supervisor closed the account by only refunded a single {$15.00} fee. Given my more than fifteen-year relationship with the bank, the absence of any prior maintenance fees, and my prompt action once I became aware of the issue, I believe the bank should have exercised greater discretion in resolving this matter. I appreciate CFPBs assistance in facilitating a fair resolution of 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 monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
The military grants me access to the SCRA act to lower my loan percentage from 13.37 %

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 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have become a victim of identity theft after discovering unauthorized charges on my accounts and fraudulent applications made in my name. Someone has stolen my personal information, including my Social Security number and bank details, leading to significant financial losses and damage to my credit score. This situation has caused me immense stress as I work with authorities and financial institutions to resolve the fraudulent activities. I am seeking guidance on the necessary steps to recover and protect myself from further harm. I HAVE FILED A FTC REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
Aldous & Associates is reporting a collection account for {$220.00} associated with XXXX on my consumer credit report. I do not recognize this alleged debt and have not been provided documentation establishing that I owe the amount being reported. The account was reported on or about XX/XX/year>. I dispute the accuracy and validity of this collection account. I am requesting that Aldous & Associates provide documentation supporting the debt, including a copy of any signed agreement or membership contract, a complete payment history, and documentation showing their authority to collect on behalf of the original creditor. If the company can not provide sufficient documentation demonstrating that this debt belongs to me and is being reported accurately, I request that the account be corrected or removed from my consumer reports. I am requesting a full investigation into this matter and a written response with supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
I contacted Chime on XX/XX/year> via phone to report a XXXX imposter scam and request a fraud investigation. The institution failed to open an official dispute claim or provide a claim tracking number, in violation of Regulation E guidelines for electronic fund transfers. I am seeking regulatory intervention to force the institution to open a formal investigation and reimburse my lost funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate late payment information being reported by MOHELA on my credit report. My credit report reflects multiple late payments ( including 30/60/90-day delinquencies ) for the account listed below : Account : [ Insert MOHELA account number ] Reporting Period : [ Insert months/years reported late ] These late payments are inaccurate and are not supported by complete or verifiable account records. I contacted MOHELA to request full documentation supporting the reported delinquency history, including : * Complete payment history ledger showing posting dates and due dates * Proof of any missed or late payments ( transaction-level detail ) * Explanation of how payments were applied during the disputed months * Records of automatic payment processing activity ( if applicable ) * Account status history showing how the account was classified each month ( current, delinquent, etc. ) MOHELA has failed to provide complete, verifiable documentation that substantiates the reported late payments. In some cases, they have not provided the requested breakdown at all, or the information provided does not clearly show that the account was actually delinquent during the reporting periods in question. Additionally, during the period being reported as late, the account reflected as current/green or otherwise not clearly delinquent based on available account status information. Because MOHELA can not provide complete documentation verifying the accuracy of the late payment reporting, I believe this information is inaccurate, incomplete, or improperly reported. Legal Basis Under the Fair Credit Reporting Act ( FCRA ) : * 15 U.S.C. 1681s-2 ( a ) Furnishers must provide accurate and complete information to credit reporting agencies. * 15 U.S.C. 1681s-2 ( b ) Upon dispute, furnishers must conduct a reasonable investigation and correct or delete inaccurate or unverifiable information. * 15 U.S.C. 1681i Credit bureaus must reinvestigate disputed information and delete items that can not be verified. Additionally, credit reporting standards XXXX XXXX XXXX guidelines ) require accurate month-by-month reporting of payment history and delinquency status. What I Am Requesting I am requesting that MOHELA : 1. Conduct a full and proper investigation of my account 2. Provide complete documentation verifying each alleged late payment 3. Correct or delete any inaccurate, incomplete, or unverifiable late payment reporting 4. Update all credit reporting agencies to reflect accurate payment history 5. Ensure my account is accurately reported going forward Final Statement The current reporting is causing significant harm to my credit profile, including a substantial drop in my credit score. I am requesting immediate correction or deletion of any inaccurate late payment information that can not be fully verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WA

Complaint narrative:
I am a recent college graduate. Due to a major communication breakdown regarding loan ownership upon my graduation, my federal student loans transitioned into active repayment on XX/XX/year>, entirely without my knowledge. Because notifications were missed, my account became delinquent, resulting in a sudden and devastating XXXX drop to my credit score. Paying this loan is absolutely not a financial hardship ; I am fully capable of making payments and intended to do so, but I was simply unaware that action was required. I contacted MOHELA phone support to request a standard discretionary XXXX XXXX retroactively backdated to XX/XX/year>, to clear the past-due balance and correct the historical credit bureau reporting flags. Front-line customer service staff were completely unaware of what I was asking about and kept trying to offer different paths that weren't pertinent to my situation. The customer service agent got short with me after asking to talk to a manager. She then told me she had an available manager and she was transferring me. She dropped my call and brought me to an automated reply placing me on a call back list that could take multiple business days. I am requesting an executive review of my account to apply a retroactive XXXX XXXX from XX/XX/year>, to the present date, and to submit a corrected data file to XXXX XXXX and XXXX to completely erase the XXXX day delinquency flags.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I have called ShellPoint Mortgage several times to get help with pay off amount. Two the employee 's told me I would need approval, which is uncommon. I have no prepayment penalties. Then they would be I would be charged fee 's for paying off loan which again I have no prepayment fee 's. On the third day, the lady told me she will try to get me the payoff in two weeks. I believe they're delaying so I keep paying the payment. The interset is {$1000.00} alone. Still don't have a payoff and can't get help of final amount or where to wire the money too.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I found out shellpoint mortgage didn't pay one of the properties taxes XXXX XXXX XXXX XXXX taxes and XXXX tax. I contacted shellpoint mortgage about the taxes they didn't pay they said will do investigation couldn't tell me why they didn't pay them. I found out the paid only the regular amount XX/XX/year> due XX/XX/year>. But they didn't pay them in full with late fess still show payment is due. I mention them on phone XX/XX/year> how about going to pay the taxes with the late fees it's there responsibility account is escrow they coul n't tell me. I said glad to pay myself just reimburse me they no comment from shellpoint. loan number XXXX taxes due onn XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: MS

Complaint narrative:
I have logged into the student aid site several times to request a lower payment. I can not pay over a XXXX dollars a month for student loans. If I do I want to have any money for my mortgage or utilities. Mohela is not trying to help with this matter.

Company response to consumer: Untimely response