vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VW Credit
State: OH

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally dispute the inaccurate derogatory information reported by XXXX XXXX on my credit report. The account number in question is XXXX. Despite my repeated efforts to resolve this through direct contact and formal disputes with the credit reporting agencies, XXXX XXXX has continued to report incorrect account information, significantly impacting my credit scores with XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). I have filed disputes through the automated systems provided by the credit bureaus on XX/XX/year>, XX/XX/year>, and XX/XX/year>, yet the incorrect information remains unresolved. Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute incomplete or inaccurate information, and credit reporting agencies are required to correct or delete inaccurate, incomplete, or unverifiable information, usually within 30 days. The continued reporting of this derogatory account has impaired my ability to secure credit and has negatively affected my financial well-being. This incorrect reporting is not only stressful, but it also limits my financial opportunities. I have made every effort to provide the necessary documentation to XXXX XXXX and the credit bureaus to verify the inaccuracies in the reporting of this account. Given the persistent nature of this issue and its adverse effects on my credit profile and financial stability, I am requesting the complete removal of this account from all three major credit bureausXXXX XXXX and XXXX. This action will rectify the inaccuracies and restore my credit standing.

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: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I am filing a complaint against Santander Bank regarding an unauthorized transaction that was incorrectly determined to be valid. On XX/XX/year> a transaction was made on my account/card at XXXX XXXX XXXX XXXX, North Carolina XXXX I reside in New Jersey and did not authorize, initiate, or participate in this transaction. I promptly reported this transaction as fraud and filed a dispute with Santander Bank. The bank denied my claim, stating that information provided by the merchant indicated the transaction was authorized by me. However, I did not make this purchase, and the transaction location is inconsistent with my location and activity. I have attempted to resolve this issue with the merchant, but have not yet received detailed information from them regarding the transaction. Despite this, Santander Bank has not provided sufficient evidence or explanation to support their determination, nor have they meaningfully reconsidered the dispute after my claim of non-authorization.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG Financial Services, Inc.
State: TX

Complaint narrative:
I am writing to formally request the removal of the XXXX ( impound ) account associated with my mortgage, effective immediately. I previously requested this action on XXXX, and XX/XX/XXXX, and XX/XX/XXXX and was notified of a denial due to accusation of late mortgage payments in XXXX of XXXX and XXXX of XXXX. Based on a review of my account and submitted documentation to CMG Financial, I believe I am eligible for an escrow waiver, and I am prepared to take responsibility for the direct payment of property taxes and homeowners insurance. Grounds for Request : 1. Equity Position : My current loan-to-value ( LTV ) ratio is 57 %, which is below the 80 % threshold, based on the original appraisal amount of {$840000.00}. 2. Payment History : I have a stellar payment history with no delinquent payments over the 6-year life of my loan, as documented by my credit report provided to you on XX/XX/XXXX with no late payments reflected. I was accused by CMG Financial of a late payment in XXXX of XXXX and submitted proof of payment with confirmation number XXXX ( Payment on XX/XX/XXXX ). Upon following up on the XXXX payment discrepancy, I was advised of another late payment in XXXX of XXXX. I submitted proof of my XX/XX/XXXX payment with confirmation number XXXX ( Payment on XXXX/XXXX/XXXX ). CMG Financial is stating that because of these two alleged late payments, I do not meet the XXXX removal requirements, despite documented proof of both payments in question as well as my credit report reflecting no late payments. 3. Insurance : I have maintained continuous, active homeowners insurance and can provide proof of coverage. 4. CMG Financial paid an inaccurate tax payment of amount of {$1400.00} for a bill amount of {$11000.00} to an incorrect Parcel Number in XXXX of XXXX, resulting in past due fees and interest. As such, and based on all of the information provided, Im requesting removal of my escrow requirement.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing a formal complaint against TransUnion LLC for multiple violations of the Fair Credit Reporting Act ( FCRA ). I have been disputing inaccurate items on my TransUnion credit report for over a year, and TransUnion has repeatedly failed to conduct proper investigations, has stalled my disputes by falsely claiming that I am not the person filing the disputes, and has continued to report inaccurate information. SPECIFIC VIOLATIONS : 1. PAYMENT HISTORY WITH NO DATA : TransUnion shows " NR '' ( Not Reported ) for the payment history on multiple accounts, meaning TransUnion has no payment history data to verify these charge-offs : XXXX Card XXXX XXXX {$8400.00} ) shows " NR '' for ALL payment history ( every single month for the entire 2-year history ), XXXX XXXX ( {$74000.00} ) shows " NR '' for ALL payment history, and XXXX XXXX XXXX XXXX ( {$24000.00} ) shows " NR '' for most payment history. The credit bureaus can not verify charge-offs without complete payment history data. This is a clear FCRA violation. 2. ACCOUNTS THAT CAN NOT BE VERIFIED : XXXX XXXX ( {$74000.00} ) and XXXX XXXX XXXX XXXX ( {$24000.00} ) appear on TransUnion and XXXX but do NOT appear on XXXX. When accounts appear on two bureaus but not the third after a year of disputes, it proves that the accounts can not be verified. The fact that XXXX has no record of these accounts proves they can not be verified and must be deleted from TransUnion. 3. PUBLIC RECORDS THAT CAN NOT BE VERIFIED : Three dismissed XXXX XXXX bankruptcy filings appear on TransUnion and XXXX but do NOT appear on XXXX. The fact that XXXX has no record of any of these bankruptcies proves they can not be verified and must be deleted from TransUnion. 4. FALSE IDENTITY CLAIMS : TransUnion has stalled my disputes by falsely claiming that I am not the person filing the disputes. I am the proper natural person and living breathing being named XXXX XXXX XXXX. I have provided identification documents and notarized affidavits to prove my identity. My credit scores have been severely damaged : XXXX XXXX, TransUnion XXXX, XXXX XXXX. These low scores have prevented me from obtaining credit and have caused significant harm.

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: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
They reached out to my father and others via text randomly sharing information about the debt and to who it was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
I submitted a closed school discharge application to the U.S. Department of Education, Default Resolution Group. My school closed while I was actively enrolled. I was initially denied in error the Department incorrectly determined I was not attending at the time of closure, when I was. The case was escalated for further review. It has been over 8 months with no determination. On XX/XX/year>, I called the Default Resolution Group at XXXX ( 34-minute call ). I was escalated to a supervisor named XXXX. She confirmed the last activity on my case was XX/XX/year>. No case number has been assigned. No case agent has been assigned. No timeline for a decision was provided. I was told to " allow more processing time. '' I am requesting the Department complete its review and issue a determination on my closed school discharge application. I was enrolled when my school closed and I qualify for discharge.

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: FL

Complaint narrative:
I am filing a complaint regarding Navy Federal Credit Unions handling of a billing dispute for services not rendered. I paid a hotel ( XXXX XXXX XXXX ) for a stay from XX/XX/XXXX. Due to circumstances outside my control, I was unable to use the first night. At checkout, the hotel staff explicitly instructed me to contact their reservations department to process a refund for the unused night. I followed these instructions multiple times via phone and email. The hotel has never responded. Additionally, XXXX attempted to contact the hotel on my behalf and was also unsuccessful. The hotel has also failed to provide an invoice despite repeated requests. I submitted a dispute to Navy Federal including evidence of my attempts to resolve the issue and the merchants lack of response. However, Navy Federal denied my claim, stating that they require proof that the merchant will issue a refund. This requirement is unreasonable, as the merchant is non-responsive and this is precisely why a dispute was filed. The service for one night was not rendered, and the merchant has failed to communicate or resolve the issue. Under card network regulations, this qualifies as a valid dispute. I am requesting that Navy Federal reopen the dispute and properly evaluate the case based on the evidence of non-response and failure to provide services. Thank you.

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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
To Whom It May Concern : This correspondence constitutes a formal direct dispute pursuant to FCRA 623 ( a ) ( 8 ). I dispute the accuracy, completeness, and/or verifiability of the above-referenced alleged account. Reporting concerns include : Collection account ; request for assignment documentation and DOFD confirmation. Under FCRA 623 ( b ), upon notice of dispute, you are required to conduct a reasonable and meaningful investigation, review all relevant information, and report accurate results to all consumer reporting agencies. Please provide the following documentation : Copy of the original signed agreement or contract Complete payment history ledger from origination Date of First Delinquency ( DOFD ) Charge-off accounting ( if applicable ) Documentation supporting each Metro 2 field reported Description of investigation procedure and documentation reviewed Verification requires actual documentation, not internal database confirmation. If you can not substantiate the accuracy of each reported data element, you must correct or delete the tradeline from all consumer reporting agencies. Please respond within the statutory period required under the Fair Credit Reporting Act. Failure to comply may result in escalation to the Consumer Financial Protection Bureau or pursuit of remedies under FCRA 616 and 617. This correspondence is not an admission of liability for any alleged 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: LA

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: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
I was told I did not need to pay this debt, or return the equipment. XXXX said I could just keep the equipment and didn't need to worry about returning it. Then I was charged with a {$300.00} fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd
State: IL

Complaint narrative:
I opened a Wise account and deposited {$20.00} on XX/XX/XXXX at XXXX XXXX to access my wire transfer details ( account number and routing number ) for business purposes. I then spent {$10.00} on XXXX XXXX to test the service of the debit card. Shortly after, Wise closed my account without notice. I did nothing wrong this was only a legitimate test. Because the account was closed, I had to withdraw the remaining {$10.00}, and the {$10.00} I spent on XXXX XXXX is now lost. Most importantly, I can not access the account details I paid for, which prevents me from initiating important business wire transfers. I should not have to repeat the deposit process on a new account or this account just to access the same information again. I have screenshots of all my transactions and communications and timestamps of when money was deposited and where it was moved to, showing that this was a small test and not an investment. I am requesting that Wise reopen my account immediately so I can access my account details for business wires or provide another solution to recover access without repeating deposits. Account details : Name : XXXX XXXX XXXX XXXX XXXX Phone : XXXX

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: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In the statement to be paid on XX/XX/2026, there are finance charges of {$31.00} that, in my opinion, are not applicable, since the previous balance was paid in full.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
I switched to an XXXX loan after the XXXX plan went defunct and have had my loans for over 25 years and have made XXXX payments that qualify me for loan forgivenss. I reached 300 payments in XXXX of XXXX, however, my loan has still not been forgiven and my loan servicer is still requiring that I make payments. When I switched to the XXXX plan, my loan payments doubled. I know that any payments I make after the 300 payments will be refunded, but it makes sense that they would instead grant an administrative forbearance until they process my loan forgiveness. I contacted them to request this, they gave me the runaround and then stated they have no way of knowing when my forgiveness will be processed. I have been contacting them for over a year for this to be processed and nothing changes. I also don't feel that I should be paying over {$600.00} a month for a loan that should be forgiven and then have to wait for a refund check, seems silly.

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 — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint regarding a transaction that was incorrectly charged and later denied by my bank. Chase Bank. While I was visiting XXXX XXXX, XXXX, from XX/XX/XXXX to XX/XX/XXXX, I made a purchase and was told the total price was XXXX XXXX. Which would have been XXXX XXXX. In XXXX, the standard and expected currency is pesos, and there was no indication or disclosure that the charge would be processed in XXXX dollars. After completing the transaction, I later discovered that I was charged in XXXX XXXX instead of pesos, which resulted in a significantly higher amount than what I agreed to pay. I was charged {$850.00} on XX/XX/year>. Which is clearly a scam. I did not authorize a charge in XXXX XXXX, and I was never informed that the transaction would be processed in any currency other than pesos. This is misleading and constitutes a deceptive business practice, as the amount charged does not match what was clearly stated at the time of purchase. Due to safety concerns, I did not feel comfortable returning to the merchant to dispute the issue in person. I contacted my bank to dispute the charge and explained that : I was told the price was XXXX XXXX I was charged {$850.00} in XXXX XXXX without my consent The final amount does not match what I agreed to pay Despite this, the bank denied my claim and failed to properly investigate the discrepancy. I believe this situation qualifies as : A billing error ( incorrect amount charged ) Misrepresentation of transaction terms A failure by the bank to protect me from a deceptive transaction I am requesting that the bank : XXXX. Reopen and conduct a proper investigation of this dispute XXXX. Reverse the incorrect charge XXXX. Provide a detailed explanation of why this transaction was considered valid despite the clear mismatch between the agreed price and the amount charged In XXXX, prices are understood to be in pesos unless clearly stated otherwise. Charging in a different currency without disclosure or consent is deceptive and should not be considered valid. All the information on the receipt is in XXXX. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: AR

Complaint narrative:
XX/XX/year> XXXX {$75.00}, XXXX XXXX {$470.00}, XXXX, {$700.00}, XXXX {$440.00}, XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00} XXXX XXXX, XXXX XXXX.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of a data breach where my personal information was exposed and misused without my consent. This violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ). I request that all fraudulent accounts, inquiries, and negative information caused by this breach be removed from my credit file. I also request that protective measures be taken to ensure my personal information is secured and not subject to further misuse.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of a data breach where my personal information was exposed and misused without my consent. This violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ). I request that all fraudulent accounts, inquiries, and negative information caused by this breach be removed from my credit file. I also request that protective measures be taken to ensure my personal information is secured and not subject to further misuse.

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 or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: CRE Credit Services
State: OH

Complaint narrative:
Whoever XXXX XXXX XXXX account # XXXX is, they keep harassing me about money that I know I dont owe. Im demanding that this company show me where I signed any documents with them, and if they cant Im demanding that this be deleted from my credit report.

Company response to consumer: Untimely response