vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute an unauthorized and fraudulent credit inquiry that appears on my credit report. I want to make it absolutely clear I never gave this company any form of consent, written or verbal, to access my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, no company has the legal right to pull my credit report without a permissible purpose. This inquiry was made without my authorization, which is a direct violation of federal law. Not only does this harm my privacy, but it also has the potential to negatively impact my XXXX XXXX and my overall financial standing. I am fully aware that each inquiry must have a legitimate, verifiable, and documented reason for being conducted, and this company has none. If the bureau or the creditor can not produce a signed, verifiable document showing I gave permission for this inquiry, it must be deleted immediately.

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 2026-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
I did not receive my full escrow payment upon closing. I received a final judgment when the mortgage was previously defaulted during XXXX and there was a final judgment in the amount of {$300000.00} however in order to sell the home and pay in full under arrest and threat of foreclosure, we were forced to abruptly sell and the payoff we received was {$480000.00} without any line by line explanation as to the difference in the judgment amount and their payoff amount. Their tax statement states that the amount paid for the home was XXXX and they received almost XXXX more. Over the years there had been over billing an escrow and fabricated cost such as winterization, which only occurs on properties that are vacant, and this was a primary residence and never vacant. Fay Servicing the servicer also did not allow us to pay our own homeowners insurance insisted on paying out of escrow and attacked on excessive home mortgage insurance mounting in excess of {$3000.00} when we were paying {$1000.00} per year..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I received a letter in the mail from Midland Credit Managment stating I owed them {$3000.00} from XXXX. I've never spoke with them or ever occurred any debt of this amount

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TransferWise Ltd
State: KY

Complaint narrative:
I was using my account. I believe I verified wrongly however I got sent around {$1200.00} in total XXXX my Wise Account Balance. I spent my money with their debit card XXXX it ultimately led XXXX my account being closed by Wise, no reason why. However, I was fine until I successfully verified XXXX have my funds sent out XXXX my XXXX bank provided XXXX only {$290.00} USD was sent out XXXX the provided XXXX bank account because a majority of the funds were supposedly subject XXXX reversal. Perhaps XXXX the sender, I am not sure. I was paid by customers XXXX it's hard XXXX locate their contacts since I'm deactivated from Wise. They also failed XXXX specify why only {$290.00} was proved XXXX be not subject XXXX reversal XXXX sender. I am missing {$940.00} at this point XXXX I want the funds sent back to my XXXX account correctly. XXXX XXXX XXXX XXXX XXXX received : XXXX XXXX Transfer Number : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I checked my email morning XX/XX/XXXX, Capitol one account was opened in my name with my information in XXXX XXXX XXXX XXXX and the card was opened and has a balance on it. I reported to the XXXX and tried to call capitol one but was directed to automated calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: First National Collection Bureau, Inc.
State: NH

Complaint narrative:
First National Collection Bureau sent me a letter regarding old debt I had incurred well over XXXX years ago on behalf of XXXX XXXX XXXX and falsely claimed this debt was court awarded to them in a judgement against me on XX/XX/year>. They never took me to court and a judgement was never awarded to them and to falsely claim that is just plain harrassment regardless of their notation at the bottom of the letter stating that this is an attempt to collect a debt. I am well aware of some of the scare tactics some of these sleazy debt collectors use so I cant say I'm surprised but frivolous claims such as this should be illegal and if not, they should atleast be reprimanded and reminded that the only credibility here at stake is theirs. I have attached a copy of the letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Comerica
State: VI

Complaint narrative:
I have continuing problems using my XXXX XXXX card which my Social Security deposits get deposited. I especially seen to have problems getting cash. Twice on XX/XX/XXXX in the morning hours I was declined making legitimate cash withdrawal requests at a non bank ATM. Then I went to XXXX across the street from the ATM and tried to use my card to pay for an egg and cheese biscuit for {$7.00} and was declined. All XXXX times my balance was over XXXX dollars. I was very hungry at the time and needed the food. I was left with no money and no food and had to attend court where I was the Plaintiff and court session lasted most of the rest of the day. As seniors we need access to our money and XXXX XXXX can not give me any answers as to why this is happening. The card seems to work ok at local supermarkets such as XXXX XXXX in XXXX XXXX where I do my monthly shopping for food. I have been refused cash back at other retailers also. Last week I was declined at XXXX XXXX trying to get cash back when I had readily available funds in my account. When the clerk at XXXX XXXX used the card as a credit card to pay for the goods only without any cash back the transaction was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: CO

Complaint narrative:
I am filing this complaint regarding unauthorized electronic fund transfer disputes handled by Current XXXX XXXX XXXX. On XX/XX/year>, multiple transactions appeared on my account labeled XXXXXXXX XXXX XXXX XXXX XXXX. These transactions were not authorized by me. I do not have a XXXX account, I have never installed or used XXXX on any of my devices, and I did not authorize any purchases associated with these charges. I reported the unauthorized transactions promptly and filed disputes on XX/XX/year> for the following dispute IDs : XXXX {$79.00} XXXX {$16.00} XXXX {$1.00} XXXX disputed amount : {$96.00} The financial institution issued a determination of no error found, but did not provide documentation or evidence demonstrating that the transactions were authorized or that a reasonable investigation was conducted. I formally requested documentation and a reinvestigation multiple times. Below is a timeline of communications : XX/XX/year> Disputes submitted XX/XX/year> Formal dispute response sent requesting reinvestigation and documentation XX/XX/year> Institution denied claim and required additional documentation to appeal XX/XX/year> Institution requested XXXX additional business days and redirected me to the mobile application instead of providing documentation XX/XX/year> Institution acknowledged documentation request and stated materials would be provided XX/XX/year> Institution stated the matter was being escalated again and requested an additional XXXX business days As of the date of this complaint, no documentation, investigation file, or supporting evidence has been provided. The institution also instructed me to provide police reports or other external documentation in order to appeal the dispute. This improperly shifts the burden of proof to the consumer and appears inconsistent with the Electronic Fund Transfer Act and Regulation E error resolution requirements. I am requesting : A full and compliant reinvestigation of the disputed transactions Immediate reimbursement of the disputed amount totaling {$96.00} Provision of all documentation and evidence relied upon in the original determination Review of the institutions dispute handling practices for compliance with federal regulations I believe the institution failed to conduct a reasonable investigation and failed to provide required documentation supporting their determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters XXXX the credit bureaus continuously XXXX thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my researchCREDIT COLLECTION SERV 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase constantly put overdraft fee fees multiple overdraft fees in XXXX transaction. Ive been a loyal member to Chase for over more than XXXX years now there are some days that I will have over your fees and I will pay them off or I will call them that I can not pay them off. Chase have an overdraft fee that they can only help you XXXX times in XXXX XXXX so because on my case, I have XXXX overdraft fees on the same day, they were not able to help me because they said that they have already excluded amount of overdraft fee they can. Im tired of paying overdraft fee money that I aint supposed to pay for rent to Chase .

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of XXXX by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, in fact therefore exists. Pursuant XXXX XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), I am disputing this account. You are required XXXX conduct a reasonable reinvestigation. If this information can not be verified as accurate XXXX complete, it must be deleted from my credit fil

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
Account closed with a balance of XXXX chime closed my account no reason XXXX keep my money in the account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC 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 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 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: PA

Complaint narrative:
I made a deposit on XX/XX/XXXX and was told the funds would be available on XX/XX/XXXX. The funds were not made available on XX/XX/XXXX. On XX/XX/XXXX I called the bank and was told that the funds would not be available until XXXX, and that I signed an acknowledgment of this when I made the deposit. When I made the deposit I was verbally told the funds would be available on XX/XX/XXXX, and the teller had me sign electronically. When I called the bank on XX/XX/XXXX, I was told, well you signed the notice. I signed the notice based on the teller saying that the funds would be available on XX/XX/XXXX, not XXXX. I would have presented the checks to the bank they were drawn on had I known about the extended hold. The teller had me sign the acknowledgment electronically without allowing me to view the document prior to signing, and the bank gave me a dismissive, too bad response when I complained about this practice on XX/XX/XXXX. In XXXX it does not take 10 days to verify funds from a bank in the USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Central Research Inc
State: FL

Complaint narrative:
am a former student of XXXX XXXX XXXX, an institution owned by XXXX XXXX XXXX ( XXXX ). This school engaged in systematic deceptive practices that led to a {$95.00} XXXX settlement with the Department of Justice and multiple state Attorneys General ( including XXXX ) in XXXX. Despite this history of proven fraud, my student loan servicer continues to report this debt as a valid obligation. The Institutional Misconduct : 1. Predatory Recruiting : XXXX XXXX was found to have used high-pressure " boiler room '' sales tactics, misleading students about job placement rates and the transferability of credits. XXXX XXXX XXXX XXXX Settlement : XXXX XXXX XXXX is explicitly listed as an " Exhibit C '' school in the landmark XXXX XXXX XXXXXXXX ( formerly XXXX XXXX XXXX ) class-action settlement. This means the XXXX XXXX XXXX has already acknowledged that attendance at this school is associated with a high presumption of school misconduct. 3. Widespread Closures : Following the fraud settlements, XXXX began a " managed teach-out '' of all XXXX XXXX XXXX XXXX officially shuttering the brand by XXXX. What is happening to me now : Despite being part of a class of students legally recognized as victims of predatory lending : My loan servicer has not applied the automatic discharge required for many XXXX XXXX XXXX class members. The servicer is reporting a debt that is over XXXX to XXXX XXXX XXXX ( based on my XXXX enrollment ), which violates the Fair Credit Reporting Act ( FCRA ) time limits for negative reporting. I have received no value from the " degree '' or credits, as they are largely non-transferable to accredited nonprofit institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AL

Complaint narrative:
Chime closed my dispute I believe the transfer was unauthorized I want my {$2200.00} reimbursed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
My auto loan with Exeter Finance had a XXXX term and reached its contractual maturity date on XX/XX/XXXX. The original loan amount was approximately {$10000.00}. I have made consistent monthly payments of approximately {$280.00} since XXXX and have made over XXXX payments, totaling approximately {$17000.00}, which is significantly more than the original contract amount. Despite completing the loan term and paying well over the original balance, Exeter Finance is still claiming I owe approximately {$3400.00} and has continued collection efforts, including threats of repossession. I requested validation of this debt through a certified letter, including the original signed contract, full payment history, breakdown of interest and fees, and a clear explanation of how the remaining balance was calculated after the maturity date. It has been over XXXX days, and I have received no response. My account history shows repeated late fees, payment reversals, and a lack of transparency in how payments were applied between principal and interest. I believe the balance is inaccurate and that Exeter Finance has failed to properly account for my payments. I am requesting a full accounting of the loan, validation of the remaining balance, correction of any inaccurate charges, and immediate suspension of all collection activity until this issue is resolved.The loan has exceeded its contractual term, and I am seeking clarification as to why a balance remains after the maturity date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I am filing this complaint regarding Navy Federal Credit Unions handling of my credit card dispute. On or around XX/XX/year>, multiple transactions were posted to my account involving a XXXX-party payment processor associated with online transactions. These included amounts such as {$1000.00}, {$500.00}, {$300.00}, and {$200.00}. I promptly disputed these transactions with Navy Federal and requested an investigation. I also requested detailed information regarding how the determination would be made, what evidence would be reviewed, and any documentation supporting the final decision. Navy Federal denied my dispute ; however, I was not provided with a clear or sufficient explanation of the investigation process, what evidence was considered, or how the conclusion was reached. The response appeared to be generic and did not address the specific details of my case. I believe the dispute was not properly investigated in accordance with applicable consumer protection standards. I am requesting that Navy Federal conduct a thorough and fair investigation, provide documentation supporting their determination, and reconsider the disputed transactions based on a complete and accurate review. I am seeking a proper resolution of this matter and full transparency regarding how my dispute was handled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I just opened a citi bank and I tried depositing my check ( I got the check from my job the company is called XXXX XXXX XXXX, but the check said XXXX XXXX XXXXXXXX XXXX XXXX XXXX. It said that because XXXX XXXX it is under XXXX XXXX XXXX ) online on the XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX but I was having problems, so I went to an actual citi bank branch in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2026. I was assisted by one of the workers .I go check my account but my account was closed and tried calling and calling I was being tossed around to different departments and also went to one of their branches close to my house, they said there is nothing they can do from their end. I called my job to ask if the check was cashed, they said yes. I had to go to the exact branch I went to physically deposit with the lady in charge of the Human Resources of my job to proof to them my check was legit and als gave them phone numbers of the higher ups to prove the check was legit, they kept telling me that the phone numbers are not legit. When I called the phone numbers the numbers went through.They just kept giving me the go around.The check amount is {$1300.00}.

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