vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
I am filing this complaint against Wise ( TransferWise Inc. ) due to a gross clerical error and an unacceptable delay in a fund recall process involving their partner bank, XXXX XXXX XXXX. 1. Transaction Details : Transfer ID # XXXX, XXXX : {$1000.00}. 2. Issue : The receiving bank ( XXXX XXXX ) notified me that they could not process the recall because Wise 's partner bank XXXX XXXX XXXX XXXX ) sent a recall request for the INCORRECT amount of {$100.00} instead of the actual {$1000.00}. 3. Timeline : This error was identified and communicated to Wise in late XXXX. Despite my repeated follow-ups, Wise has failed to rectify this low-level clerical mistake for over a month. My funds have been stuck since XX/XX/year>. 4. Impact : Wises failure to coordinate with its partner bank has resulted in the loss of access to my funds ( {$1000.00} ). Wise 's support only provides generic responses without a concrete resolution or proof of a corrected XXXX message ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC
State: NY

Complaint narrative:
Being charged for product I dont have or returned. The debt is invalid due to XXXX credits. Spoke to MRS agent who reluctantly didnt want to talk to me but then changed her tune after I asked her to speak to a supervisor. I am the person who initially opened the account and this is where I have been getting the runaround. Returned the phone within 30 days mark and it was never put in the system that it was in warehouse. No communication and now she threatened that it would be put on a credit report. I can not have this ruin my husbands credit. Please advise

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES
State: IL

Complaint narrative:
I am XXXX XXXX, a verified victim of identity theft, and I have an official identity theft record and supporting documentation on file related to this matter. Previously, XXXX XXXX had maintained that this debt belonged to me. However, after I provided all requested documentation and fully cooperated with their investigation, XXXX XXXX completed its review and formally acknowledged that the account was not mine and was the result of identity theft. They issued an official determination letter confirming these findings. Despite this, the litigation process referenced below has not yet been withdrawn or dismissed, and with the court date approaching, urgent action is required. Previously, XXXX XXXX informed the Consumer Financial Protection Bureau that they were unable to fully address the matter due to the existence of ongoing litigation. However, since that response, XXXX XXXX has completed its official fraud investigation and has issued a formal written determination confirming that : I am a verified victim of identity theft ; The account in question does not belong to me ; The account was determined to be fraudulent ; I bear no financial responsibility or contractual obligation related to this account ; No further action is required on my part. I have attached the official XXXX XXXX determination letter for reference. In addition, all related negative reporting associated with this account has been removed from the credit bureaus under my name and Social Security number. Despite these confirmed findings, the litigation process associated with Case No. XXXX in the State of XXXX XXXX County of XXXX XXXX, remains active and has not been withdrawn or dismissed. The scheduled hearing date is XX/XX/XXXX. I have no connection to this account, to the State of XXXX, to XXXX XXXX XXXX, or to the underlying obligation. XXXX XXXX has formally acknowledged that this account was fraudulent and not associated with me. Nevertheless, the litigation remains open under my name. The continued existence of this litigation despite a confirmed identity theft determination raises serious concerns regarding my rights as a consumer and as a verified victim of identity theft. I respectfully request immediate review of this matter and appropriate action to ensure that the litigation is promptly withdrawn and dismissed in accordance with the completed fraud investigation. Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: GA

Complaint narrative:
I am filing this complaint against TransUnion because they are reporting inaccurate and/or unverifiable information on my credit report and have failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). Disputed Account Charged Off Creditor : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Charged-Off Date : XX/XX/year> Reported Balance : {$0.00} This account is being reported as a charged-off account with a XXXX balance. I formally disputed this account and requested proper verification. However, TransUnion has not provided adequate documentation demonstrating that a reasonable reinvestigation was conducted. Specifically, TransUnion has failed to provide : The method of verification used Documentary evidence bearing my signature showing contractual liability Complete account-level payment history The date of first delinquency Evidence that the charged-off status is being reported accurately and in full compliance with FCRA 607 ( b ) and 611 Under federal law, TransUnion is required to ensure maximum possible accuracy and to conduct a reasonable reinvestigation of disputed information. Simply confirming information through automated systems without providing documented proof does not satisfy their legal obligation. If TransUnion can not provide competent documentary evidence to substantiate the accuracy and completeness of this reporting, this account must be deleted immediately. Requested Resolution A proper and thorough reinvestigation of the disputed account. Written documentation of the method of verification. Immediate deletion of the account if it can not be fully verified. An updated copy of my credit report reflecting corrections. I am simply attempting to ensure that my credit file is accurate and compliant with federal law. I am requesting prompt 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 explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
am writing to formally dispute the above-referenced medical collection account reported by XXXX XXXX XXXX XXXX XXXX in the amount of {$730.00}. This account is the result of identity theft and/or unauthorized use of my personal information, and I do not owe this debt. LACK OF PROPER NOTICE AND VALIDATION I was never properly notified nor provided validation of this alleged debt prior to your reporting it to the consumer reporting agencies. Your actions raise serious compliance concerns under : FDCPA 1692g ( a ) requirement to send a validation notice within 5 days of initial communication FDCPA 1692e ( 8 ) prohibition on reporting disputed debt without proper disclosure FCRA 1681s-2 ( a ) duty of furnishers to report accurate and complete information Because I did not receive proper validation before credit reporting, the tradeline is legally defective. IDENTITY THEFT NOTICE ( FCRA 1681c-2 ) Pursuant to 15 U.S.C. 1681c-2, I am formally asserting that this account resulted from identity theft. Upon receipt of a valid identity theft report, furnishers and consumer reporting agencies are required to block and remove such information. You are hereby placed on notice that : I did not authorize this account I did not receive the underlying medical services I dispute any contractual obligation with your company or the original provider MEDICAL PRIVACY AND ACCURACY CONCERNS As this is an alleged medical debt, your reporting must also comply with : FCRA 1681e ( b ) maximum possible accuracy FCRA 1681i ( a ) reasonable investigation requirement Applicable HIPAA privacy principles

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
This account is being reported as a charge-off ; however, the loan was for cosmetic services that were never performed because the merchant ceased operations. I was unable to receive the service I financed due to the business closing. At the end of XX/XX/year>, I purchased cosmetic services through a promotional advertisement on XXXX. The promotion included XXXX units of XXXX and XXXX XXXX, and I was told the services could be scheduled and used at any time during the year. When I attempted to schedule my appointment in XX/XX/year>, the merchants payment and booking system was no longer available. I attempted to contact the business multiple times by phone and text but received no response. It became apparent that the business had ceased operations before providing any services. Because the services associated with this financing were never rendered due to the merchant closing, I dispute the validity of this debt and the charge-off reporting. I am requesting that this account be investigated and corrected or removed from my credit report. Additionally, the account was transferred to a third party and later returned to Affirm, which raises concerns about the accuracy of the reporting and handling of this account. Because the services were never rendered, I am requesting that this account be investigated and removed or corrected from my credit report. The spa name is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: GA

Complaint narrative:
I am filing this complaint regarding approximately {$5600.00} in unauthorized card-not-present transactions on my XXXX XXXX prepaid card account, administered by Comerica Bank. In XXXX XXXX, during my XXXX, my wallet containing my XXXX XXXX card was forcibly removed and left unsecured. I remained XXXX from XX/XX/XXXX through XX/XX/XXXX. During that time, I had no access to my card, no access to my account, no statements, and no ability to contact XXXX XXXX. Unauthorized card-not-present transactions occurred in XXXX and XX/XX/XXXX while I was incarcerated and physically incapable of authorizing, monitoring, or benefiting from any transactions. Immediately upon release on XX/XX/XXXX, I reported the fraud. Comerica denied the claim before XXXX XXXX, stating no error occurred. Comerica : Did not provide provisional credit Did not issue a replacement card Refused to provide the investigative records relied upon in denying my claim Concluded the transactions were authorized despite my incarceration and the fact that all were card-not-present transactions Under the Electronic Fund Transfer Act and Regulation E ( 12 C.F.R. 1005.11 ), the bank is required to conduct a reasonable investigation and provide documentation upon request. I have not been provided the materials used to deny my claim. The {$5600.00} loss contributed directly to housing instability and homelessness following my release. I am requesting : Production of all investigative records relied upon in the denial A Regulation E-compliant reinvestigation Reimbursement of the unauthorized transfers unless Comerica can produce authenticated proof of authorization A national financial institution concluded no error occurred while the customer was incarcerated and unable to access his account. I am requesting regulatory review of this determination.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have an ELAN Financial Services credit card. I contacted ELAN on XXXX to proactively to request temporary hardship assistance or a payment deferral due to unavoidable emergency medical and dental expenses while living on fixed Social Security income. I was informed that ELAN will not review any hardship or payment accommodation options unless I first miss a payment. This policy effectively requires that I become delinquent before any assistance will be considered, even though I am acting responsibly and in good faith to avoid harming my credit. I have a longstanding on-time payment history and am seeking a limited, temporary payment deferral ( approximately XXXX months ) so I can remain current while addressing urgent medical expenses. I request written confirmation that no late fees or negative credit reporting will occur if this hardship accommodation is approved. My next payment is due on XX/XX/year>, and I am seeking a response prior to that date.

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
HARRISis falsely reporting on my credit. I have never had any accounts with them. Per my research HARRISis a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Harris & Harris, Ltd.
State: LA

Complaint narrative:
Repeated Phone Calls from a company called XXXX XXXX XXXX with phone number XXXX. No debt is owing and the account referenced does not appear on my credit report. I have requested that they stop calling but they continue to do so while I am at work. I have blocked them on my cell phone but they are somehow still leaving messages on my voice mail. This is occurring daily and needs to stop.

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 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This complaint disputes inaccurate, incomplete, and misleading credit reporting appearing on my * * XXXX XXXX, and XXXX credit file * *. The violations include unverified charge-offs, improper postcharge-off reporting, missing payment histories, duplicate reporting between original creditors and debt collectors, and collection accounts reported without lawful validation. These actions violate the * * Fair Credit Reporting Act ( FCRA ) * * and the * * Fair Debt Collection Practices Act ( FDCPA ) * *. # # * * LEGAL AUTHORITY * * * * FCRA ( 15 U.S.C. 1681 et seq. ) * * * 1681e ( b ) Failure to ensure maximum possible accuracy * 1681i Failure to conduct a reasonable reinvestigation * 1681i ( a ) ( 5 ) Requirement to delete unverifiable information * 1681c ( a ) Prohibition against re-aging and obsolete reporting * 1681c-2 Duty to block inaccurate information * 1681s-2 ( b ) Furnisher duty to investigate disputes * * FDCPA * * * 1692g Validation of debts * 1692e False or misleading representations # # * * FDCPA 1692g VALIDATION DEMAND * * The collection agencies listed have failed to provide proper validation of the alleged debts. Under * * 15 U.S.C. 1692g * *, a debt collector must cease collection activity until it provides : * The amount of the debt with * * full itemization * * * The name of the * * original creditor * * * A copy of the * * original contract or agreement * * * A * * complete payment history * * * * * Proof of lawful assignment and chain of title * *

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I was injured at work and out of work. XX/XX/year>. I asked M & T mortgage for assistance. I qualified for the forebearance program but it started XX/XX/year>. I was unaware i needed to make my XXXX payment because i was told i was accepted into the program. M & T bank then hit me with a XXXX day late payment in XX/XX/year>. When i have been working with them since XXXX.

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: TX

Complaint narrative:
Castle credit is reporting a collection account on my credit report that I previously disputed and requested validation for. I have not received sufficient documentation proving the accuracy of the account or their right to collect, yet it continues to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
{$2700.00} was granted and that was all over a mediation over the phone but there was way more funds that were held and never funded to me but were put into several accounts for me due to XXXX of children and I did send my police report and a ask all necessary questions and tried to let them know due to certain reports I'm not able to disclose the nature of my call or questions all the way due to the bank not giving proper info that they may hold liable ability and possible criminal charges due to not disclosing meaning them not answering certain questions could have been the reason for my children getting murdered. as there was a XXXX situation.

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 2026-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CT

Complaint narrative:
Im reporting identity theft. In XXXX I applied for a student loan and finished the school and paid it off which at the time was an interest free {$2500.00} loan. The XXXX XXXX of the school in the downtown area of XXXX XXXX CT was very deceptive he made me feel very uncomfortable, but I finally finished school and I never went back In XXXX & XXXX there are XXXX loads that I never applied for. I have reported it and it is identity theft. XXXX loan was for {$2500.00} & {$2200.00}. These are not my loans. Im now XXXX and retired after XXXX yrs someone got away with my personal information. I believe it had to be that XXXX XXXX. The school got shut down for many bad reasons. Im not sure if this person applied for many other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit
State: FL

Complaint narrative:
I disputed a charge from VW Credit that posted to my credit report as XXXX on XX/XX/XXXX. This was a lease I had back in XXXX when I used to work for this company XXXX XXXX and when I turned in the vehicle lease I made my last payment of what was owed on XX/XX/XXXX. Years later they are now reporting a balance of {$830.00} on my credit report and I am not sure why when I turned the vehicle lease in I paid everything that was owed and was given a receipt with a XXXX balance. I dont know where this is coming from when the Lender never attempted to contact me. So I am now filing a complaint against this Lender to have this expunged from my credit as derogatory please as this has caused my credit to decrease by more than XXXX point.

Company response to consumer: Closed with non-monetary relief