vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I tried calling the debt collector XXXXXXXX XXXX XXXXXXXX. I asked for a multi yr plan to pay off XXXX XXXX a month ... ALL they would offer is a one time payment with no debt reduction. Or 3 months XXXX a month or 6 months XXXX a month. Since then I received a information subpeona which I didn't fill out yet. Received a second notice that a levy has been put on my bank account. I realized I have to pay this now but they won't even make a reasonable payment plan for my situation. This will be the 3rd time I have to close my bank account. He also said if I didn't pay the day we talked the XXXX would jump to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alliance One, Inc.
State: CA

Complaint narrative:
I received a letter from AllianceOne Receivables Management , Inc dated XX/XX/year>, stating that I owe {$330.00} related to the XXXX XXXX XXXX California XXXX XXXX of XXXX XXXX. I do not recognize this debt and I believe it is a result of identity theft. I have never opened or authorized this account. Please investigate this matter and remove this debt from my name immediately. I have attached a copy of the letter I received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 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: CA

Complaint narrative:
The following accounts have been impacted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Re : Account Number : XXXX Dear Sir or Madam, This letter serves as formal notice that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), to demand that you cease and desist from all further communication with me regarding the above-referenced account. Under federal law, you are required to stop contacting me except to : Advise that your further efforts are being terminated ; Notify me that you or the creditor may invoke specified remedies ; or Inform me that you intend to invoke a specific remedy. You are hereby instructed to immediately cease all forms of communication with me, including but not limited to phone calls, emails, text messages, and written correspondence, except as permitted by law. Be advised that any continued attempt to contact me outside the scope permitted by 15 U.S.C. 1692c ( c ) will be documented as a violation of the FDCPA. I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, as well as pursue civil remedies. Additionally, if this debt is reported or continues to be reported to any credit reporting agency, I expect it to be reported accurately and in compliance with all applicable laws. Please confirm in writing that you have received this notice and will comply with its terms. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am filing this complaint regarding a collection account that the company continues to report on my credit file despite being unable to properly identify or validate it. In their prior response, the company admitted they could not identify the account in question and requested that I provide documentation for them to locate it. This is concerning, as they are currently furnishing this account to consumer reporting agencies without having sufficient records to clearly identify or verify it. I requested full validation of the alleged debt, including identification of the account, the original creditor, documentation showing I am responsible for the debt, and proof of the companys authority to collect and report it. The company failed to provide this information. Despite their inability to identify or validate the account, the company continues to report this debt on my credit file. This is a violation of the Fair Credit Reporting Act, which requires all furnished information to be accurate, complete, and verifiable. If the company can not identify the account within its own system, it can not legally verify or report it. Continuing to furnish this information is misleading and harmful. I am requesting immediate deletion of this account from all consumer reporting agencies due to its unverifiable and inconsistent nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
This complaint is a follow-up to CFPB Complaint # XXXX and addresses additional harm and new issues that occurred after the initial filing. After submitting my complaint on XX/XX/year> regarding urgent processing delays, Navy Federal Credit Union failed to take timely or meaningful action. On XX/XX/XXXX, XXXX same day my contractual Notice to Perform expired and immediately following the CFPB complaintthe loan was abruptly denied without a clear or specific explanation. This denial contradicts multiple prior written approvals issued by Navy Federal, including : - Pre-qualification ( XX/XX/year> ) - HELOC Conditional Approval ( XX/XX/year> ) - Fully underwritten VA pre-approval ( XX/XX/year> ) These approvals confirmed that income, assets, and credit had been reviewed and met lending requirements. In reliance on these representations, I proceeded with inspections, appraisal, and contractual obligations in good faith. Despite this, Navy Federal : - Failed to disclose material underwriting concerns in a timely manner- Continued the process while allegedly aware they could not meet contractual deadlines- Issued a denial with vague and inconsistent reasoning The adverse action notice cited credit-related factors that were unchanged from the time of prior approvals, raising concerns about the accuracy, consistency, and transparency of the underwriting decision. The company provided only vague verbal statements that contradicted the written adverse action notice and did not clearly identify the specific reason for denial. The denial appears inconsistent with prior fully underwritten approval and raises concerns about the accuracy and reliability of the underwriting process. As a direct result of these actions, I incurred {$1600.00} in preventable out-of-pocket costs : - Home Inspection : {$800.00} - Appraisal : {$700.00} - Credit Report : {$160.00} These damages were avoidable had accurate and timely information been provided. This complaint is not a duplicate of the original but addresses : - The denial decision and its inconsistencies - Failure to communicate material information - Financial harm caused after the initial CFPB complaint

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 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: PA

Complaint narrative:
My account has been compromised due to a stolen device so throughout the month of XXXX there were unauthorized transactions on my account and I was unable to even see those transactions until XX/XX/XXXX. I filed a dispute and it got denied almost immediately. The amount of the transactions was a total of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am filing this complaint regarding an account reported by Santander XXXX XXXX on my credit file. This account has negatively impacted my credit profile and has contributed to multiple credit denials. I dispute the accuracy and completeness of the information being reported, including the account status, payment history, and balance. The reporting contains clear inconsistencies and mathematical inaccuracies. The reported balance exceeds the highest balance listed, and the account reflects an invalid negative percentage paid. These figures do not align and can not be accurate. Additionally, the reported balance does not align with prior documentation provided by Santander. A pre-sale notice from 2023 reflects a balance of approximately {$29000.00}, while the current reported balance exceeds {$31000.00}. These figures can not be reconciled. The notice also stated that a written accounting would be provided after the sale of the vehicle. I did not receive any post-sale accounting showing the sale price, how proceeds were applied, or how the remaining balance was calculated. I previously requested validation of this account, including the loan agreement, full payment history, balance breakdown, and post-sale accounting, and this information was not properly provided. Without this required documentation, the reported balance can not be verified. This account continues to cause financial harm and is limiting my access to credit. I am requesting : 1. A full investigation into the accuracy of this account 2. Complete validation of all reported information, including post-sale accounting and balance calculations 3. Correction or removal of any inaccurate or unverifiable data If this matter is not resolved, I will pursue further action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I am filing a complaint against Westlake Financial Services regarding my auto loanor a XXXX XXXX XXXX. Westlake Financial has repeatedly charged repossession fees on my account despite the vehicle being in my possession. I have an official signed gate pass issued by Westlake Financial themselves dated XX/XX/XXXX, confirming I redeemed and took possession of the vehicle at XXXX XXXX XXXX XXXX XXXX XXXX ( AUCTION LOT VEHICLE WAS TOWED TO UPON REPOSSESSION ) on that date. Despite this, Westlake charged three new repossession fees totaling {$330.00} on XX/XX/XXXX 67 days after issuing their own release document. This is not an isolated incident. My full payment history shows a pattern of repossession fees being charged across multiple dates spanning XX/XX/XXXX through XX/XX/XXXX, totaling approximately {$2300.00}, during a period when I possessed and was actively making payments on the vehicle. Additionally on XX/XX/XXXX, Westlake restructured my account by subtracting accumulated fees including {$2000.00} in interest, {$170.00} in late charges, {$120.00} in NSF fees, and {$120.00} in repo expenses, then immediately re-added them as a single {$2400.00} 'Deferred Expense ' that now appears as 'Other Fee ' on my payoff quote. This has artificially inflated my payoff balance from {$11000.00} in principal to {$15000.00}. I have contacted Westlake multiple times by phone regarding these fees. Each time a representative acknowledged the error, noted the account, and assured me it would be corrected. The fees were never removed and new ones continued to be added. I am requesting the CFPB investigate Westlake Financial for unfair, deceptive and abusive practices including charging post-redemption repossession fees, manipulating account balances through deferred expense restructuring, and failing to correct known errors despite repeated customer disputes. I have the following documentation available : - Signed Westlake gate pass dated XX/XX/XXXX - Full official payment history PDF from Westlake dated XX/XX/XXXX - Screenshots of all transaction history showing every repossession fee charge - Current payoff quote showing inflated balance Lender : Westlake Financial Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Within the past 3 weeks, I have contended that I have supplied payment information involving the Federal Reserve Bank account, which I own that the XXXX oXXXX XXXX XXXX They can not use this account as a debit to credit account and therefore maintain I have not provided payment. Per XXXX XXXX XXXX, XXXX payment was tendered and I am owed unilateral discharge and settlement of the account owing. Please XXXX my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA

Complaint narrative:
Greetings, I am formally requesting that you review these attached documents immediately to correct the recent denial of my application and to place an immediate hold on the foreclosure sale scheduled for XX/XX/year> Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2026-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am trying to add my wife as a joint owner to my Openbank savings account. Her application has been repeatedly rejected with the message that her identity can not be verified. We have confirmed that all personal information submitted ( name, SSN, address, phone ) is correct. She has attempted the application multiple times and we have contacted Openbank customer support, but they have been unable to resolve the issue or explain the reason for the verification failure. We are requesting that Openbank manually review the application or clear any internal record preventing her identity from being verified so she can be added as a joint account owner.

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 2026-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDispute2025 $ you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2026-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am reporting an error regarding an account from Transworld Systems Inc. This debt is being reported under my name as a Co-signer, but my legal status on the lease agreement was only as an Adult Occupant. At the time of the lease and its renewal, I did not have any income and did not qualify to be a financially responsible party. I never signed any application or document accepting financial liability for this contract. I am attaching the lease agreement which shows my status as an occupant only. I already filed a dispute with XXXX, but they responded stating that the debt is correct. This is inaccurate because the lease agreement clearly shows I am an occupant only.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: New Century Financial Services, Inc.
State: NJ

Complaint narrative:
I tried calling the debt collector XXXXXXXX XXXX XXXXXXXX. I asked for a multi yr plan to pay off XXXX XXXX a month ... ALL they would offer is a XXXX time payment with no debt reduction. Or 3 months XXXX a month or 6 months XXXX a month. Since then I received a information subpeona which I didn't fill out yet. Received a second notice that a levy has been put on my bank account. I realized I have to pay this now but they won't even make a reasonable payment plan for my situation. This will be the XXXX time I have to close my bank account. He also said if I didn't pay the day we talked the XXXX would jump to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
I was contacted by Gurstel Law Firm about an alleged debt and I offered a lump-sum settlement payment. They refused my offer and claimed a lawsuit was on file. Once I requested information about the lawsuit that I had not been notified of, they later admitted no lawsuit had been filed. they rejected my settlement offer again and repeatedly countered with much higher amounts. I requested a settlement agreement that they again refused and continued to pressure for payment while making misleading statements about litigation going against the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation