vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: ID

Complaint narrative:
I am disputing inaccurate credit reporting by Aidvantage related to federally held student loans during periods of authorized deferment.

My student loans have been in approved deferment status and are currently reported as current with no 30-, 60-, or 90-day late payments. Despite this, Aidvantage has furnished payment history data to consumer reporting agencies that reflects reduced on-time payment percentages, unknown payment indicators, and inconsistent historical payment grids during periods when no payment was due.

I have contacted Aidvantage multiple times over several years to request correction of this reporting. On XX/XX/year>, Aidvantage responded stating that the information reported was accurate, but did not explain how payment performance can be assessed during authorized deferment, nor did they address the contradictory reporting of zero late payments alongside reduced on-time payment metrics.

Aidvantage also indicated they would continue to report the disputed information with a notation stating that the dispute was resolved but the consumer disagrees.

I am not disputing the existence of the loans or alleging missed payments. I am disputing the inaccurate and misleading manner in which payment history is reported during authorized deferment, which creates the false impression of delinquency and negatively impacts my credit profile.

I am requesting correction of the credit reporting to accurately reflect authorized deferment with neutral reporting, or removal of the inaccurate payment history data if it can not be fully verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Reference # XXXX Wells Fargo Bank XXXX. 

I am submitting this complaint regarding my banks denial of reimbursement for funds lost due to a documented scam involving ongoing deception and multiple induced transactions. 
Between XX/XX/2026 and XX/XX/2026, I was the victim of a single, continuing fraud scheme. The individual scamming me maintained ongoing contact with me through XXXX and falsely represented that they would teach me how to trade once funds were transferred. I was instructed to move money from my checking account to XXXX XXXX and then upload those funds to an external website controlled by the scammer. I was led to believe this website was a legitimate trading platform, when in fact it was fraudulent. These transactions were not isolated decisions, but part of an ongoing deception in which I reasonably believed the transfers were legitimate at the time they were made. The scam involved escalating payments, beginning with small test amounts and increasing to larger transfers, which is consistent with known scam behavior. The total amount lost was {$4900.00}, consisting of the following induced transactions : XX/XX/2026 : {$2800.00} XX/XX/2026 : {$1500.00} XX/XX/2026 : {$510.00} Once I realized I had been scammed, I promptly reported the fraud to my bank. Despite providing detailed information, my bank denied my claim on the basis that the transactions were authorized, without adequately considering that authorization was obtained through deception and fraud. This matter has been formally reported to the Federal Trade Commission ( FTC ) and the Federal Bureau of Investigation ( FBI  / XXXX ). These reports confirm that this was a financial crime, not buyers remorse or a simple payment dispute. I am requesting that my bank reopen and properly review my fraud claim as a single continuing scam event, consider the documented FTC and FBI reports, and reassess reimbursement under consumer protection standards for fraud induced by deception. I am asking the Consumer Financial Protection Bureau to assist in ensuring that my bank conducts a fair and thorough review 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 explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Peer Advisors, LLC
State: IL

Complaint narrative:
No statements on whats is owed, what is paid, no contract paperwork for the second loan. They started charging a certain amount of money without us agreeing on it. XXXX also hasnt responded as the intermediary and told XXXX to send us the documents and statements onl what we owe and the contract

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Credit Control, LLC
State: IL

Complaint narrative:
I am submitting this complaint regarding a third-party debt collector attempting to collect an alleged charged off credit card debt. 

On XX/XX/XXXX, I timely disputed the debt and requested validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In response, the collector provided only periodic billing statements. These documents do not constitute proper validation, as they do not establish the collectors authority to collect, ownership or assignment of the debt, or a complete itemization of the amount allegedly owed. 

I requested validation again on XX/XX/XXXX, and the collector again responded only with account statements, without curing the deficiencies. I also stated that at that time they should now only contact me via XXXX mail and not email any longer. Despite failing to provide lawful validation, the collector continued collection activity, including payment demands, in violation of 15 U.S.C. 1692g ( b ). 

On XX/XX/XXXX, I sent the collector a written cease-communication notice pursuant to 15 U.S.C. 1692c ( c ), instructing them to cease all further communication regarding this alleged debt via email and a letter via usps. 

Despite receipt of my cease notice, the collector contacted me again via email on XX/XX/XXXX and again today XX/XX/XXXX, requesting payment. This communication was not to advise of termination of collection efforts or to notify me of specific legal action, and therefore constitutes a direct violation of 15 U.S.C. 1692c ( c ). 

At no point has the collector provided proper debt validation, yet they have continued collection activity and communication after both a dispute and a cease-communication notice.

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 2026-01-23 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: Westlake Services, LLC
State: TX

Complaint narrative:
I am disputing XXXX Financials refusal to release the XXXX on my 2017 XXXX XXXX ( XXXX : [ insert XXXX ] ). My loan principal has been fully paid off ( {$0.00} balance ), and my loan contract does not include any clause giving XXXX the right to retain the XXXX for post-payoff repossession, storage, or administrative fees. 

Despite multiple written requests via email and the XXXX website, they have refused to transfer me to the title department or a supervisor and have not released the XXXX. They claim the account is active due to repo fees at the end of the loan, but this is not supported by the loan contract, which only secures amounts owed under the original contract ( principal, interest, finance charges ). 

I am requesting that CFPB investigate this matter and require XXXX to release the lien immediately, or provide a written explanation citing the legal authority allowing them to retain the title despite the loan being fully satisfied. 

I have attached : A copy of my loan contract highlighting the security interest

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 2026-01-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
After a year of going round and round about a ballon payment, they finally came up with a solution. Not the solution that I would have chosen, but a solution.

My automatic payment went through, so I assumed everything was on track with monthly payments. A week later I get a return check, and a statement saying my payment is late.

I called them and got 2 random people. The first person hung up on me, the second person said I would receive a call from someone that could help me. As of today I havent spoken to anyone.

I am frustrated with the whole experience. I dont know if they are doing this on purpose or just incompetent, but I am not happy.

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 2026-01-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC
State: NC

Complaint narrative:
In XXXX of XXXX, I went into the XXXX XXXX XXXX store, to obtain a loan, as a XXXX XXXX victim, to a safe house. XXXX was the last month, concluding loan installation payments. 

Due to having to have a new bank card issued, via XXXX XXXX, I was late on my payment, by a few days. A few days later, from the payment due date, I contacted XXXX XXXX, to make my usual payment. I was told that I had to come into the store, to refinance the agreement. Although I was denied the ability to make my last payment, at the original amount, I was given the option, to pay, over {$200.00} more, and refinance the agreement, in the store. I explained returning to the store, would put my safety in danger, further advising it is against the advice of my case manager. I then requested an electronic contract, to provide an electronic signature, as I wanted to comply ; however, the representative informed me, their company does not have the electronic option.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: NV

Complaint narrative:
I used this account for direct deposit, the deposit was made XX/XX/XXXX for XXXX. Cash app states deposit should be made between 1-5 business days. Nothing has happened, nobody can help me resolve the issue nor has my money been deposited into my account. Its XX/XX/XXXX and I need to know where my money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: OK

Complaint narrative:
I am disputing inaccurate credit reporting by XXXX XXXX XXXX related to an auto loan impacted by vehicle theft, total loss, pending XXXX insurance, and administrative errors.

Despite ongoing contractual payments, insurance proceeds posting, and immediate payment of any disclosed balance, Kia Finance reported the account as a charge-off. The reporting occurred while insurance payments were pending and after the account was paid in full. Additional insurance proceeds were later accepted and refunded only after repeated follow-up and inconsistent guidance from Kia Finance representatives .

I previously disputed this through the credit reporting agencies and directly with Kia Finance by certified mail, providing full documentation. Kia Finance updated the tradeline to charge-off, paid but did not correct the underlying inaccuracy.

A detailed timeline, documentation, and my formal written dispute are attached as a single PDF for review.

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 2026-01-23 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: CA

Complaint narrative:
I disputed multiple unauthorized debit card transactions with Chime. Chime denied my claim but refused to provide any meaningful documentation of their investigation. I specifically requested the evidence used to make their determination, including investigative records, transaction verification, or any supporting materials. They provided only generic template responses and did not supply the requested documentation. This prevents me from verifying the legitimacy of their denial and obstructs my ability to challenge their decision. I believe this violates fair dispute investigation standards under Regulation E.

I reported the unauthorized transactions to Chime promptly after discovering them. Despite multiple follow-ups, Chime denied the dispute without providing the investigative materials I requested. Their failure to provide documentation has left me without recourse and unable to verify whether a lawful investigation occurred. I am requesting regulatory review of Chimes dispute handling and documentation practices. 

On or around mid XX/XX/XXXX, I discovered multiple unauthorized debit card transactions on my Chime account. I reported the transactions to Chime on or around XX/XX/XXXX. Chime denied my dispute on or around XX/XX/XXXX. I requested the evidence used to determine their decision on or around XX/XX/XXXX, and as of today XX/XX/XXXX they have not provided the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
Upon careful review, these inquiries are : 1. Inaccurate and unverifiable No permissible purpose or signed authorization exists that legally justifies these inquiries. 2. Reported in violation of FCRA 604 ( a ) ( 3 ) These inquiries were not initiated by me and were made without a legitimate permissible purpose as defined by law. 3. Incomplete reporting under Metro 2 standards The furnishing entities failed to provide proper coding and field compliance that meet regulatory requirements. This discrepancy triggers a Metro 2 field compliance error, which mandates correction or deletion. As you are aware, EOSCARs automated verification can not legally replace a factual investigation under FCRA 611 ( a ) ( 2 ). You are obligated to conduct a reasonable reinvestigation based on the specific information provided here. The continued reporting of these inquiries without proper verification is a willful violation of the FCRA and will be escalated. I demand the immediate removal of these inquiries within 30 days, as required by law, and that a written confirmation of deletion be sent to me upon completion of your reinvestigation. If these unauthorized inquiries are not removed ; I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state regulators for non-compliance and violation of my consumer rights. This is your final notice. The use of automated response systems ( e.g., EOSCAR ) is insufficient, and I will not tolerate a form letter response. This dispute requires manual handling and proper documentation of investigation steps to ensure compliance. Failure to remove these inquiries constitutes a serious violation of federal law and consumer protection regulations, and I will pursue all available legal remedies without further notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
Affirm refuses to acknowledge or correct an internal accounting error and has stated that I can not dispute Affirms actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am formally disputing Bank of Americas denial of my fraud claim for an unauthorized credit card charge of approximately {$1000.00}. 

Bank of America denied my claim stating that the cards chip was read, a PIN was entered, and/or a signature was obtained. However, they have not provided conclusive evidence that I personally authorized this transaction or that I gave permission to anyone else to use my card or PIN. 

I did not make this purchase, did not authorize it, and did not benefit from it. I did not knowingly share my card or PIN with anyone. However my credit card ending XXXX was near of expiration date so they sent me new card on XXXX of XX/XX/year> by XXXX which never arrived, so with same card number theres XXXX physical card exists, one with me and another one in mail on its way by XXXX. When I got notification from bank that I was charged {$1000.00}, I called them immediately and they opened up a fraud case and issued me new card by ending XXXX, 2 days later I got another notification that my newly printed card was changed {$81.00} in wine and spirits shop and they also tried to make a huge purchase from XXXX XXXX for around {$2000.00} which was automatically denied. After getting notification from bank I called the bank and asked how a newly printed card details was leaked? They said they dont know. I absolutely can not made these transactions because I dont have physical card, card was in the mail on its way, so they blocked new card and printed another one by ending XXXX and their customer service representative informed me that they had a lot of complaints like these specially from XXXX, their best guess was either card gets stolen from XXXX XXXX or delivery person might be working with such group, since card get stolen from XXXX XXXX they decided to sent it by ups, which I received within a XXXX hour. Now this card ending XXXX in my possession. 
So my best guess The determination appears to rely solely on transaction method rather than proof of authorization, which does not meet the requirements of the Fair Credit Billing Act. 

I have requested documentation supporting their decision and I am requesting that Bank of America properly investigate this matter, reverse the charge, and remove any related fees or negative account impact. 

I am seeking resolution consistent with my consumer protections under the Fair Credit Billing Act.

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 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TIDEWATER FINANCE COMPANY, INC.
State: IL

Complaint narrative:
TideWater Re : Cease and Desist All Communications XXXX To Whom It May Concern, This letter serves as formal notice that I am exercising my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ). 
You are hereby directed to cease and desist all communication with me regarding the above-referenced account, or any alleged debt associated with my name, immediately. This includes, but is not limited to, phone calls, text messages, emails, letters, and communication through third parties. 
I do not acknowledge, admit, or assume responsibility for any alleged debt referenced by your company. This request is not a refusal to pay, nor is it an admission of liability. It is a lawful demand that all collection communication stop.

You may only contact me again for one of the following reasons, as permitted by law : To confirm that you will comply with this request and cease all communication, or To notify me of a specific legal action you actually intend to take.

Any communication beyond what is permitted under 15 U.S.C. 1692c ( c ) will be documented as a willful violation of federal law and may result in complaints filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney General, as well as civil liability. 
Govern yourself accordingly. 

Sincerely, XXXX

Company response to consumer: Closed with explanation