vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 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:
I wish to dispute this account and request confirmation of the debts validity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited my check for XXXX $ from my settlement my lawyer made out to me for the XXXX of XX/XX/year>. I deposited the check in to a chase branch atm. Then come to find out the next day the check was going to be held until the XXXX of XXXX! I then called the customer service number. After waisiting XXXX hours of my time, even after verifying with the company that actually gave me the check that it was good they refused to drop any of the funds to me. They tried to verify with the issuing bank that it was good but the issuing banks policy is to not very checks bank to bank. Which is not my fault. So I spoke with a supervisor who refused to make any of the funds available until the XXXX. This is the only source of income I have. I have no money for food, no money for my car payment, my bills. Nothing. I asked for them to return the check so I could take it to the issuing bank and just cash it there. They refused to do that as well. I asked what grounds they had to hold my funds XXXX with out dropping any of the funds available for XXXX whole days. He said because my account was over drafted. The only reason my account is overdrafted is because I don't use the account often and it's been dormant so it cracked up fees from not using it. I was over a total of XXXX $ and change all due fees from the bank for not using it. I can't even over draft the account if I tried. They wouldn't let me. Not only that they spoke to the company that issued the check and they got verification that the check was good and the funds would be there. But they still would not allow me my funds. I asked to speak with the supervisors boss who then refused to get me to anyone else, and said I would get a call back with in XXXX business days from a XXXX. So now here it is on a Friday. XXXX completely stuck with no money ton my name because XXXX XXXX XXXX in 2026 can't verify funds from another bank. Even though it was already verified by the business who wrote the check. This is absolutely absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TN

Complaint narrative:
I am filing a complaint regarding the permanent restriction of my MoneyGram account. I was attempting to send {$30.00} to a friend in XXXX to help them purchase food. I have known this individual for years, and this was a small, personal transaction. Despite this, my account was permanently locked without a clear explanation. While I understand that fraud prevention measures are important, permanently restricting my account over a low-dollar, legitimate transaction seems unreasonable and disproportionate. I contacted customer service and was informed that the decision is final, with no option for appeal or further clarification. I am requesting : 1. A clear and specific explanation for why my account was permanently restricted 2. A review of this decision to determine whether my account can be reinstated I would appreciate a fair and transparent resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
To date, the companies have not provided sufficient documentation to verify these debts. Despite this, they continue to report the accounts, including listing them as current, which is inaccurate. The accounts include approximately {$930.00} and {$1700.00} reported by XXXX XXXX XXXX, {$1800.00} reported by XXXX XXXX XXXX, and {$6100.00} reported by Portfolio Recovery, all listed with original creditors. These collections are being reports as XXXX I do not recognize these debts, have not entered into any agreements with these companies, and have not signed any documentation related to these accounts. All reported dates fall within XXXX and XXXX, and I did not receive any prior written notification or validation notice before these accounts appeared on my credit report. I requested validation of these debts, including proof of ownership, documentation from the original creditor, and itemized breakdowns of the amounts, but this information has not been provided. This situation has negatively impacted my ability to secure housing, as I have been denied rental applications due to these accounts and my family is now at risk of becoming unhoused. The reporting of these unverified debts has created a significant barrier to accessing housing, which is a basic human need. I am requesting a full investigation and the immediate removal of any inaccurate or unverifiable information from my credit report. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: MO

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections. Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization'ating my privacy riahts under federai law. Violation of the Higher Education Act ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. Breach of Contract and Negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk. And unauthorized disclosure to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
A debt collection account is being reported on my credit report by National Credit Systems that is inaccurate. The account is listed as a joint account, but I am only a guarantor and not the primary account holder. The account is in another individuals name. The balance being reported has not been properly validated, and the account status has changed over time, creating inconsistencies. I disputed this account, but it continues to be reported inaccurately. I am requesting that it be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: NC

Complaint narrative:
XX/XX/year> I borrowed {$1500.00}. XXXX I was stuck with a bill over {$5000.00}. Company could not explain why I owed that amount when I only borrowed {$1500.00}. Sent in payments of {$310.00} twice a month for XXXX months ( thinking I was paying off the {$1500.00} ). I contacted my bank to stop payments to this company because I felt that this was a scam. Company is still trying to receive payments by contacting via email and text. I feel that this is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: MO

Complaint narrative:
I am disputing a collection account reported by IQ Data XXXX related to a former apartment. Around XX/XX/year>, I was charged for cleaning and a XXXX flooring replacement fee after moving out. These charges are inaccurate because they are for normal wear and tear or renovation, not tenant caused damage. I was not provided a move out walkthrough or inspection. I requested invoices, proof of damages, explanation of charges, and documentation of carpet age and condition, but the property manager refused to provide this information and stated the charges would not be reversed. The only evidence provided was a photo showing normal carpet wear with no visible damage such as stains, burns, or tears. Despite this, the account was sent to collections. I disputed this directly with the collection agency, and they refused to investigate or provide validation and told me my only option was to pay. I have also disputed this account with all three credit bureaus. I am requesting this account be removed because the amount is not owed and has not been properly validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
CFPB Complaint Update Reinsertion Violations, Inconsistent Reporting, and Failure to Ensure Maximum Possible Accuracy I am submitting this update regarding my ongoing complaint against Experian Information Solutions , IncXXXX concerning the reporting of an account furnished by XXXX XXXX XXXX XXXX.. Following Experians investigation, the account was marked as verified and updated. However, the account has now been materially altered across multiple investigations, raising serious concerns regarding the accuracy and reliability of the information being reported. Across dispute cycles, this tradeline has appeared in multiple inconsistent versions, including : A version with missing payment history and incomplete data fields A version reflecting changed balances and conflicting status dates A newly reconstructed version now showing continuous charge-off ( CO ) reporting from XXXX through XXXX These repeated modifications demonstrate that the account data is not consistent, stable, or reliably verified. The current reporting contains the following issues : A status date of XX/XX/XXXX, while simultaneously reporting the account as past due as of XX/XX/XXXX A material change in the charged-off balance ( previously reported as {$28000.00}, later adjusted to {$28000.00}, and now reverted ) Continuous charge-off reporting across multiple years, which may constitute improper ongoing delinquency reporting A change in the estimated removal date, raising concerns regarding the Date of First Delinquency Additionally, this account was previously deleted and later reinserted, yet Experian has not provided documentation demonstrating compliance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) governing reinsertion procedures. The repeated alteration of this tradeline across multiple investigations clearly demonstrates a failure to ensure maximum possible accuracy as required under Fair Credit Reporting Act 1681e ( b ), and raises serious concerns regarding the adequacy of the reinvestigation process under 1681i. Furthermore, the furnisher, XXXX XXXX XXXX XXXX, has previously been subject to regulatory enforcement actions, including the XXXX Subprime Auto Lending Settlement XXXX, involving allegations of improper and predatory auto lending practices. While not determinative on its own, this history raises additional concerns regarding the reliability of the data being furnished and verified.

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 2026-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Rocket Mortgage, LLC
State: KY

Complaint narrative:
Around XXXX XXXX, I contacted Rocket Mortgage to see about a refinance loan for my contract for deed property with cash out. I uploaded my contract for deed contract and some other information. They proceeded to say everything was approved and they were sending an appraisal out. Appraiser came out everything checked out besides we needed a heating and air system before they could approved the loan so I asked them is that the last thing before we can move to closing and they said yes if you get this done, we can move to closing so I put {$14000.00} in to have a new heating and air system put in and everything was still going good and they said I should get my closing day soon and then I checked in with them and they said oh we cant do the loan because we cant do a cash out on a contract for deed, which would have been fine if this was stated to me from day one which they knew it was a contract for deed but now were two months into this and I just spent {$14000.00} for a new heating and air system to get this loan I do have emails and text with several different people throughout the whole process on this too

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Subject : Formal Dispute of Account Delinquency and Misapplied Refund ( Veteran TAVT Exemption ) I am filing a formal complaint regarding the handling of my auto loan, account number XXXX, by Santander Consumer USA XXXX My account currently shows an incorrect past-due balance of {$2400.00}. As a 100 % XXXX veteran in Georgia, I am exempt from XXXX. My dealership mistakenly charged this tax and issued a refund check of {$2900.00} to Santander. After this refund was initially applied to my principal balance on XX/XX/year>, I contacted Santander specifically to request that this be reversed and re-applied to cover my XXXX and April 2026 monthly payments. During that call, I was explicitly told by the representative that the reversal could and would be done and that my account would remain current. I relied on this second confirmation to my detriment. Despite their assurance, the lender failed to move the funds and is now reporting my account as XXXX months delinquent. When I contacted Santander again on XX/XX/year>, the representative verified and confirmed that I was misinformed and that the promised reversal was never executed. Despite admitting fault, the lender is now claiming they can not fix the account. This practice is deceptive. I have been diligent with this account, even making a manual payment of {$1200.00} on XX/XX/year>. I served in the XXXX for 23 years ; I take my credit standing seriously and expect Santander to honor the verbal contracts and instructions given by their authorized agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
Customer service call XX/XX/year> took XXXX minutes and transferred to XXXX different people. The third person transferred without finishing what he was saying so I had no choice and then it put me through a whole other menu asking for the full credit card number ) I only have the last XXXX and I had already put in this information at the beginning of the call XXXX or 5 times. Finally it hung up. This is the XXXX PHONE CALL I have made for the SAME ISSUE. TD Bank 's website never works to get anything done or send a message and I have a XXXX XXXX so it is VERY difficult for me to make a phone call and sit on hold for this long and then to be treated so poorly and not even have my issue resolved after all that time! No wonder TD Bank gets the most complaints through here because they are the absolute worst bank I have ever worked with.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: GA

Complaint narrative:
It was for XXXX back in XXXX cashapp stop me from accessing the funds on my account and refused to explain about why this was done

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Stellantis Financial Services US Corp.
State: IL

Complaint narrative:
I am submitting this complaint regarding both an unexplained increase in my account payment and an unacceptable customer service experience that prevented me from obtaining assistance. On XX/XX/year> I contacted First Investors Services to inquire about a statement reflecting an increase in my payment that was not explained. Prior to being connected with a representative, I entered my Social Security number the companys secure keypad system, as instructed. When I was connected with the representative ( XXXX XXXX ), I fully cooperated with verification requests by providing my full account number and my address. Despite already providing multiple forms of identifying information, I was then asked to verbally provide my full Social Security number and date of birth. I expressed a reasonable concern about repeating highly sensitive personal information verbally, particularly after already entering my Social Security number through a secure system. I was not refusing to verify my identityI was requesting either a clear explanation for the additional requirement or a reasonable alternative verification method. Instead of addressing my concern, the representative became dismissive and unprofessional. I requested to speak with a supervisor and was placed on hold. When the representative returned, I was told that a supervisor would not speak with me unless I fully complied with providing additional sensitive personal information. As a result : I was unable to obtain any explanation regarding the increase in my payment I was denied access to a supervisor I was not provided with any explanation of the companys verification policy No alternative verification methods were offered I was treated in a disrespectful and dismissive manner I believe I made a good-faith effort to verify my identity by providing my account number, address, and entering my Social Security number through the secure system. The requirement to repeatedly disclose highly sensitive information without explanation, combined with the refusal to allow escalation, is unreasonable and concerning. I am requesting : A clear explanation for the increase in my payment A written explanation of the companys verification policies Clarification on why secure keypad entry of a Social Security number is not sufficient for verification An explanation for the refusal to allow supervisor escalation A review of the customer service conduct in this matter This experience raises serious concerns about both transparency and customer treatment.

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 2026-04-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian , XXXX and XXXX violated my rights as a consumer under 15 USC 1681C-2 and i need these inquires blocked and deleted from my credit report within 4 days of receiving this ftc report under fcra law 605b. Remove XXXX XXXX account XXXX date XXXX XXXX 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 2026-04-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Ascent Holding Co
State: OH

Complaint narrative:
Complaint : I am filing a complaint regarding a private student loan issued by Ascent Funding for enrollment at Devslopes, an online education provider that permanently closed during my enrollment period. I enrolled in XXXX in XX/XX/year> and took out a loan through Ascent Funding with the expectation of completing the program and improving my earning potential. In XX/XX/year>, XXXX ceased operations before the program was completed. As a result, I was unable to complete the education or receive the full value of the services for which the loan was issued. Despite the schools closure and the incomplete delivery of educational services, I remain responsible for repayment of this loan. I have acted in good faith throughout this process : I have remained current on all payments I promptly notified Ascent of the school closure I formally disputed the loan and requested relief I cooperated fully with their review process Ascent acknowledged the school closure and placed my account in temporary forbearance at 0 % interest. They also confirmed that their executive and legal teams reviewed the situation. However, Ascent has denied full relief and instead offered a 50 % balance reduction as a courtesy, while maintaining that they are not responsible for the schools closure. They have since stated that no further relief, adjustments, or discharge options are available. This outcome leaves me responsible for a significant remaining balance tied to an education that I was unable to complete due to circumstances entirely outside of my control. Additionally, this situation has created financial hardship for my household. I am supporting a young child, and my partners ability to work is limited due to childcare responsibilities and health constraints. While I have continued to make payments to protect my credit, the remaining balance represents a substantial burden given the lack of educational value received. I am requesting that Ascent Funding : Reconsider full discharge of the remaining balance due to failure of consideration Alternatively, provide additional balance reduction beyond the current 50 % offer Remove any interest accrued after the date of the schools closure Confirm that my account will not be negatively reported while this matter is under review I believe it is unfair to require repayment of a loan for educational services that were not fully delivered due to the schools closure. I am seeking a fair and reasonable resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation