vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I financed a used vehicle in XX/XX/year> through Santander Consumer USA. From the beginning, the vehicle had serious mechanical and safety problems, including multiple recalls, mechanical failures, and defects that affected the safe operation of the car. The vehicle had around XXXX miles at the time of purchase, but problems started almost immediately after I bought it. Since the date of purchase, I have been paying approximately {$660.00} per month, and I have made payments consistently since XXXX, paying thousands of dollars in total including interest, late fees, insurance, and repairs. Despite these payments, the vehicle continued to have serious defects, and I later discovered that the model has known recalls and reported safety issues that should have been disclosed before the financing was approved. The vehicle has had multiple mechanical failures and has also been involved in accidents after the problems started. I believe the condition of the vehicle made it unsafe to drive. I feel the loan should not have been approved for a vehicle with known defects, and the financing company continued collecting payments even though the car had serious problems from the beginning. I contacted Santander Consumer USA to try to resolve the situation and asked for help because of the ongoing defects and financial hardship. The only recommendation I received was to try to refinance the vehicle with another bank, which I believe is not a fair solution considering the condition of the car and the amount I have already paid since XXXX I tried to negotiate a reasonable payoff or settlement, but the company refused to work with me. I believe the loan terms were unfair considering the defective condition of the vehicle and the high interest charged. I am requesting that this case be reviewed because I believe the financing should not have been approved for a defective vehicle, and I have suffered financial damage after making payments since XXXX on a car that has had serious problems from the start. I request that all communication regarding this complaint be conducted in XXXX. XXXX is my preferred language, and I need assistance in XXXX to fully understand and respond to this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: TOTAL MORTGAGE SERVICES LLC
State: MD

Complaint narrative:
Hello, I am filing a complaint regarding my experience with Total Mortgage Services, LLC during my mortgage application process. I entered into a purchase contract for a condominium property located at XXXX XXXX XXXX XXXX XXXX During the transaction, both the loan XXXX ( XXXX XXXX ) and the real estate agent ( XXXX XXXX ) advised me to proceed with scheduling property inspections while the loan process was underway. Based on that guidance, I incurred inspection-related expenses totaling {$650.00}, including a XXXX home inspection, a XXXX XXXX XXXXXXXX program inspection, and a re-inspection. I paid for XXXX different inspections on this condo, and the condo no longer accepts conventional loans. After these inspections were completed and paid for, I was informed by the loan XXXX that the condominium project did not qualify for conventional financing. I was informed that the president of the condo association would not complete the condo questionnaire. This information should have been verified much earlier in the process before I was advised to proceed with inspections and incur significant out-of-pocket expenses. Because the lender knew the property was a condominium and advised me to move forward with inspections prior to confirming the project 's eligibility for conventional financing, I believe these costs were incurred as a result of the lenders failure to properly review the condominium project earlier in the process. I have attempted to resolve this issue directly with Total Mortgage Services, LLC by contacting their compliance department and requesting reimbursement for the {$650.00} in inspection costs, but the matter has not been resolved. In fact my first round of phone calls and emails were ignored. At this point it has been over XXXX business days and nothing has been done to rectify this matter. In addition to the situation outlined above. The realtor called me on Thursday XX/XX/year> to say that the seller of the condo was going to contact a lawyer in order to try to fix things. The condo was then relisted on XXXX WHILE I WAS STILL LEGALLY UNDER CONTRACT for the home! My earnest money deposit wasnt even returned to me until XXXX XXXX XXXX XXXX I am requesting reimbursement of the {$650.00} in inspection expenses that were incurred as a direct result of being advised to proceed before the condominium project eligibility was fully confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 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: ID

Complaint narrative:
This CFPB complaint is submitted as a follow-up pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) and FCRA 611 ( 15 U.S.C. 1681i ) due to EQUIFAX continued failure to block and remove identity theftrelated information from my consumer credit report despite prior notice and proper documentation. On a prior dispute and CFPB complaint, I formally notified EQUIFAX that multiple accounts, collections, and hard inquiries appearing on my consumer credit report were the direct result of identity theft and fraud. I provided a valid FTC Identity Theft Report and supporting documentation, which triggered TransUnions statutory obligation under FCRA 605B to block the identified fraudulent information within four ( 4 ) business days. Despite receiving proper notice and documentation, EQUIFAX failed to comply with federal law. The following fraudulent, inaccurate, and unauthorized information remains reported and/or has been improperly reinserted on my consumer credit file : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX These items were not authorized by me, were fraudulently opened, and continue to generate unauthorized hard inquiries and derogatory reporting, causing ongoing financial and reputational harm. EQUIFAX continued reporting of this information constitutes a willful failure to comply with the Fair Credit Reporting Act. I again attach my FTC Identity Theft Report ( FTC Report No. [ XXXX ] ), which legally confirms that the disputed accounts, collections, and inquiries are the result of identity theft. Under FCRA 605B, EQUIFAX is prohibited from reporting or reinserting this information unless all statutory reinsertion requirements are strictly met, including written notice to the consumer. Additionally, CRA failure to properly investigate and resolve this matter violates FCRA 611, which requires consumer reporting agencies to conduct a reasonable investigation and delete or correct unverifiable information. The continued presence of these fraudulent items demonstrates that no reasonable investigation has occurred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-15 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I haven't done business with Barclay 's Bank in years. I previously had a Priceline card with them. I recently started receiving text messages about making a payment, but I didn't think anything of it because I haven't used their card. I noticed my XXXX score went down XXXX points because they reported me, and logged into my Barclay 's account and noticed I had a Jetblue card that I never signed up for and they charged me an annual fee of {$99.00}. I informed them of this, they said because I did not contact them within XXXX days of the annual fee being charged they refuse to waive it. I told them on XX/XX/year> that I never signed up for the card, all they did was cancel my account and still claim I owe them {$99.00}. I am not paying the {$99.00} for a card that I never signed up for as I did not sign up for it. I would not sign up for a card with an annual fee. The fact that they are damaging my credit after I already explained this to them is unsettling.

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 2026-03-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Universal Account Servicing, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, I entered into a financing agreement for approximately {$6800.00} through Universal Account Servicing to pay for a program offered by XXXX XXXX. The loan carries a XXXX % APR and requires monthly payments of approximately {$150.00} over several years. The loan was arranged specifically to pay XXXX XXXX for its online business program. The decision to take this loan was based on the representations made by XXXX XXXX regarding the services and results of the program. Since then, the Federal Trade Commission filed a federal enforcement action against XXXX XXXX alleging deceptive marketing and fraudulent practices. As of XX/XX/XXXX, the FTC announced legal action and the companys operations were halted and assets frozen. Because this loan was issued solely to finance services from XXXX XXXX, and those services have been determined by federal authorities to involve deceptive practices, I believe the underlying obligation should be reviewed. The merchant services associated with this financing have effectively ceased and were not provided as represented. I previously contacted Universal Account Servicing to request cancellation or closure of this account due to these circumstances, but the loan remains active and I am still being billed. I am requesting that this loan be reviewed and that the remaining balance be canceled or the account closed, given that the financing was directly tied to a merchant that is now subject to federal enforcement for deceptive practices. I also request confirmation that this matter will not negatively affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: PA

Complaint narrative:
My daughter was turning XXXX and I looked into different types of accounts so she can have a debit card and family and friends could send her money easily. She also received her first cellphone which is a bark phone so when I set up her account I used her phone number and email. That was XX/XX/year>. We never received her debit card, we even reached out to get a new one and that never came. Meanwhile her grandma and stepfather sent her money and its just sitting there. I finally reached out to them and we went through all the verification steps. Her account is tied to my account and still is. They wouldnt give me a reason but said they couldnt help me access the account and I would have to make a new one. We did and I never received the debit card again. That was in XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I applied for a loan through Credit Karma at XXXX. I didnt apply to any other loans and got a ton of emails, calls and texts this morning from all these companies saying I was approved and need to contact them. Many of them are very sketchy. I blame Credit Karma apparently selling my information to unknown third parties and afraid my info has been compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MA

Complaint narrative:
I received grants and loans in 2023 to attend XXXX XXXX I was a child of the state at the time and Im not supposed to pay those back because I was a child of the state at the time and attended an in state school when I left I joined the XXXX XXXX therefore those loans werent supposed to go on my credit because I was a child of the state and attended an in state school

Company response to consumer: Untimely response
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: VA

Complaint narrative:
Despite my very detailed explanation of how the original merchant mishandled my voluntary cancellation of service, the collection agency never responded to my specific claims of wrongful charge. Instead three years later it filed a negative report TO CREDIT BUREAUS, causing some of credit accounts ' credit limits to be radically reduced very recently. Attached IS THE DETAILED LETTER I SENT TO dishonest ONLINE INFORMATION SERVICES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NJ

Complaint narrative:
According to 15 USC 1681 I have the right to dispute inaccurate and unverifiable information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL contract bearing & + explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants Credit Bureau, Inc.
State: GA

Complaint narrative:
Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$11000.00} past due as of XX/XX/XXXX 2026

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I am disputing a collection account that your company is reporting on my credit file in the amount of {$170.00}. The account was reportedly opened on XX/XX/year>. This account is inaccurate and has not been properly validated. I have requested verification of this debt and have not been provided documentation proving that the debt is legitimate or that your company has the legal authority to collect it. Additionally, the reporting lists Credit Collection Services as the original creditor, which appears inaccurate and misleading. A collection agency is typically not the original creditor. This raises serious concerns regarding the accuracy of the information being furnished to the credit reporting agencies. Under the requirements of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, companies reporting information to credit bureaus must ensure that the information is accurate and verifiable. At this time, I am formally requesting that your company provide the following : Documentation showing the true original creditor A copy of any agreement or contract that created the alleged debt Proof that I am the person responsible for the debt Proof that your company has the legal authority to collect and report this account A complete accounting of the {$170.00} balance If this information can not be fully verified, I request that this account be immediately deleted from my credit report with : XXXX XXXX XXXX This inaccurate reporting is negatively affecting my credit profile and must be corrected immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Marauder Corporation
State: TX

Complaint narrative:
I've disputed this debt in the past and it was removed but it's back on my credit report again. I demand something in writing stating that I owe this.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd

Complaint narrative:
I am filing a complaint regarding the closure of my Wise account. I used my account to receive legitimate payments from a U.S. company for contract work. After my account was closed, I submitted an appeal and provided identification and requested documentation. Wise reviewed the appeal but decided to keep the account closed. Wise stated they can not share the specific reason for the closure due to regulatory limitations. This closure has had a significant impact on my ability to receive payments from my employer and manage my income. I am requesting that Wise provide a clearer explanation of the reason for the closure and confirm that the decision was made in accordance with their regulatory obligations and customer agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OKX INC.
State: FL

Complaint narrative:
XXXX XXXX claims in their XX/XX/XXXX response that they withdrew the XXXX collection because they had " already recovered the {$380000.00} '' via XXXX reversal by XX/XX/year>. This is a perjurious statement to a federal regulator.Evidence of Bad Faith : I received a formal collection demand from XXXX XXXX weeks prior to XXXX XXXX Contradiction : If OKX had " successfully reversed '' the funds, there was no debt to send to collections.The Truth : OKX did not withdraw the collection because of " recovery '' ; they withdrew it because I presented an FTC Identity Theft Report that proved the account was fraudulent. OKX is now falsifying their internal timeline to the CFPB to avoid the legal admission that their security was XXXX. ADMISSION BY CONDUCT : THE MISSING " DROP LETTER '' OKX INC. claims their withdrawal of the {$380000.00} collection is not an " admission by conduct ''. This is logically impossible.A company under federal supervision ( XXXX XXXX. XXXX ) does not " walk away '' from nearly {$400000.00} if they truly believe the debt is valid.The Demand : I formally demand that OKX produce the Debt-Closure/Status Letter sent to XXXX Collections. OKX is withholding this record because the " XXXX XXXX '' used to close the account is " Fraud/Identity Theft, '' which directly contradicts the " Authorized '' narrative they are feeding the CFPB.3. VIOLATION OF FCRA 609 ( e ) & XXXX XXXXOKX INC. continues to reference " selfie and ID verification '' while refusing to provide the IP addresses, XXXX addresses, and Device IDs used to open the account.Criminal Precedent : Since OKX admitted in federal court that its employees coached customers on using FAKE IDENTITIES, a " selfie '' holds XXXX evidentiary weight.Digital Footprint : Only the IP and Device metadata can prove where the {$380000.00} originated. OKXs refusal to produce these logs is a willful violation of FCRA 609 ( e ), which entitles identity theft victims to these specific business records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am submitting this complaint regarding a deferred interest charge on my XXXX credit card issued by Comenity Bank. When I made the purchase, I enrolled in an XXXX promotional financing plan. I set up automatic payments on the account because my intention was to ensure the balance would be paid off before the promotional period ended. However, I recently discovered that the automatic payment setting only paid the minimum payment each month instead of paying off the promotional balance. Because of this, a remaining balance of {$7000.00} was still on the account when the promotional period ended. As a result, the bank charged {$7200.00} in deferred interest. This was extremely surprising because I had set up autopay specifically to avoid this situation and believed the automatic payments would cover the balance. Once I discovered the issue, I immediately paid the full remaining balance of {$14000.00} to stop further interest from accumulating. I contacted customer service and spoke with several supervisors requesting a goodwill adjustment or partial removal of the deferred interest given that autopay was enabled and I acted promptly once the issue was discovered. My requests were denied. I am requesting that the bank review this situation and consider a goodwill adjustment of the deferred interest, since my intention was clearly to pay the promotional balance within the promotional period and I had automatic payments set up in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am submitting this formal complaint and dispute regarding multiple entries on my account that are inaccurate, unverifiable, or unauthorized, including but not limited to : Late payment reports Unauthorized collections Unauthorized inquiries Other derogatory account information Relevant Federal Laws : XXXX. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i & 1681s-2 ( b ) requires reporting entities to investigate disputed information and correct or delete unverifiable entries. XXXX. Consumer Financial Protection Bureau ( CFPB ) Guidelines all reporting must comply with accuracy and completeness standards. XXXX Credit Repair Organizations Act ( CROA ), 15 U.S.C . 1679 et seq. applicable if any third-party services were involved.

Company response to consumer: Closed with explanation