vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: City First Mortgage Services, LLC.
State: TX

Complaint narrative:
I have 18 inquires on my credit report I have not applied for any thing with my credit. 
Some of these creditor also have duplicates and even 3 inquiries on the same dates and some have different dates but absolutely none of these have been authorized by myself. I am XXXX  years of age if you look at my credit report you will see I do not apply for credit. These inquiries must be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
My co-borrower on my car loan refinanced my car without my consent, knowledge, or signature with Navy Federal. Had my title sent to them and put a new lien on my title by Navy Federal. Requested a name change form from Navy Federal, took it to XXXX, got it approved by Navy Federal and somehow signed my ownership solely to them. Then, re-registered my car in their name only. And my co-borrower took full possession of my car, all without my permission and signature on anything. Being that I was the primary owner of the car and on the original loan. And my name on the title. And they did this with a voided title. I had a title issued after the date of them receiving my original title. I also have an investigation open with the XXXX law enforcement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I am disputing a collection account being reported by Southwest Recovery Services in the amount of {$3300.00} for XXXX XXXX. This account is related to furniture purchased after XXXX XXXX, during a period of significant financial hardship caused by a federally declared natural disaster. 
I do not believe this debt is being reported accurately or fairly under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). The account was opened in XXXX and has been recently updated in XX/XX/XXXX, which is misleading and damaging to my credit profile. 
I was never provided with proper documentation validating the debt, including itemization, proof of ownership, or a signed agreement. I also did not receive proper notice prior to this collection being reported. 
I am requesting that the CFPB review this matter and require Southwest Recovery Services to fully validate this debt. If they can not, I request that this account be permanently deleted from all credit reporting agencies. Additionally, given the extraordinary circumstances surrounding XXXX XXXX, I believe the continued reporting of this debt is unfair and should be reconsidered for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio recovery is trying to recover {$5800.00} from me. They took me to court to try and retrieve the money but it was denied because they could not provide proof they owned the debt. I did not sign anything with them as they are a third party. I have asked several times the all XXXX reporters remove from my credit report and they refuse. I work hard on my XXXX XXXX. I need this removed. The system of inaccuracy gives no help in those trying.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
While confirming information on my credit report I noticed that SYNCB/PPC is showing as written of and paid and they continue attempt to collect on a debt that has been cared for.

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 2025-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
* * CFPB Submission New Evidence Under Regulation XXXX and the Electronic Fund Transfer Act * * * * Subject : * * New Material Evidence Submitted Criminal Record Confirmation of Suspect Linked to Unauthorized Electronic Fund Transfers I am submitting new, verifiable evidence directly relevant to my ongoing Electronic Fund Transfer dispute. This information was not previously available and now substantiates that a known computer theft offender, * * XXXX XXXX XXXX * *, is connected to the unauthorized transaction activity in my case. 

Specifically, I have attached the * * XXXX  XXXX publication * * showing that * XXXX XXXX XXXX * was arrested and booked by * * XXXX XXXX Jail * * for * * Computer Theft * * ( Booking Date : XX/XX/year> ; Publication Date : XX/XX/year> ). This is the * same individual name and identity * cited by the XXXX XXXX XXXX in my official police report. Even if this arrest pertains to a separate incident, it directly establishes a * * pattern of criminal conduct involving computer theft and unauthorized access * *, which aligns with the nature of my loss and the method of the disputed transaction. 

This submission constitutes * * new material evidence * * within the meaning of * * XXXX C.F.R. XXXX ( d ) ( XXXX ) * * of * * Regulation XXXX * *, which mandates that the financial institution must * * reopen and reconsider * * its prior determination in light of newly provided information. The attached materials demonstrate my continued, good-faith compliance and cooperation with all investigation requests. 

Despite my efforts, the institution has failed to act upon or acknowledge this new evidence. As such, I request that the * * CFPB XXXX and XXXX XXXX XXXX * * formally record this update and ensure that : XXXX. The institution reopens the claim under * * Regulation XXXX ( XXXX C.F.R. XXXX ) * *, XXXX. Reviews this new criminal evidence consistent with the * * XXXX XXXX Transfer Act ( 15 U.S.C. 1693f ) * *, and XXXX. Provides a written determination supported by documented re-investigation findings. 

This evidence demonstrates that the individual involved is * * a documented computer theft offender * *, confirming the plausibility and factual foundation of my initial claim. I have acted diligently and in full compliance with federal procedure, and I now respectfully request the XXXX enforcement oversight to prevent further violations of consumer protection law. 

* * Attachments : * * * Verified booking record ( XXXX XXXXXXXX, XX/XX/year> ) * Police report naming suspect * Copy of prior communication with institution ( if required ) Respectfully submitted, XXXX XXXX $ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I acquired a vehicle loan through refinance with Navy Federal Credit Union. More than 3 months after getting the loan, they said they did not get the title, and asked me to fill out the Texas paperwork for it. They subsequently charged me {$33.00} for a " lien recording fee '' without notification or options to pay, by taking it out of my " Share Savings Account '' that only had {$5.00} in it. The only reason I have that account it they require it. Now that negative balance is being reported to the credit bureaus and it is negatively affecting me. 

I have never been charged any such fee, and I feel this is an unfair lending practice. At a minimum I should have been sent a disclosure with options to pay at my option, or the ability to dispute before they arbitrarily affected me in a negative way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian and XXXX have allowed an Unlicensed Debt collector to furnish my credit report with incorrect data. According to : ( 205 ILCS 740/4 ) ( was XXXX ILCS XXXX ) ( Text of Section before amendment by P.A. XXXX ) Sec. XXXX. No collection agency shall operate in this State, directly or indirectly engage in the business of collecting debt, solicit debt claims for others, have a sales office, a client, or solicit a client in this State, exercise the right to collect, or receive payment for another of any debt, without obtaining a license under this Act except that no collection agency shall be required to be licensed if the agency 's activities in this State are limited to collecting debts from debtors located in this State by means of interstate communication, including telephone, mail, or facsimile transmission, electronic mail, or any other Internet communication from the agency 's location in another state provided they are licensed in that state and these same privileges are permitted in that licensed state to agencies licensed in Illinois. 
( Source : P.A. XXXX, eff. 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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My complaint is regarding XXXX XXXX 's incorrect and duplicate reporting of a single mortgage loan modification, which is negatively impacting my credit report and score. 
On XX/XX/year>, I entered into a loan agreement with XXXX XXXX for my mortgage account, ( ending in XXXX ) for {$410000.00}. XXXX XXXX is incorrectly reporting XXXX separate accounts on my credit report. The second mortgage shows a loan modification ( ending in XXXX ) opened on XX/XX/year>, earlier than the original loan. 
Both have a status of closed. 

This is an illegal duplicate entry for what is the same loan. A loan modification alters the terms of an existing debt ; it does not create a new debt that should be reported as a separate account. This error is negatively affecting my creditworthiness and is a violation of the Fair Credit Reporting Act ( FCRA ). 

I have attached documentation, including my credit report and the response from XXXX XXXX on my previous complaint ( I did not think this was my account due to the date and amount ) which proves these XXXX accounts are the same obligation.

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 2025-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I sent NCB Management Services emails on XX/XX/XXXX and XX/XX/year>, offering a {$2500.00} settlement for account ending in XXXX and requesting all communication be in writing via email. They have not provided written confirmation of the settlement, a method for submitting payment, and continue to call me without responding in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: AL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am a Washington XXXX consumer submitting this complaint concerning payday-loan and short-term-credit data furnished by XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX 
These companies act as specialty consumer reporting agencies that collect and share data about payday loans, installment loans, and sub-prime credit activity with lenders and data brokers. 

I have reason to believe that my information in these databases is inaccurate, outdated, or furnished by unlicensed entities, which has resulted in denials or higher-cost credit offers. 
Because payday and sub-prime data are often shared across multiple XXXX systems ( XXXX XXXX, XXXX ), any inaccuracy XXXX be replicated throughout the network. 

I request that the CFPB require each company to conduct a full manual audit of all records tied to me and delete or correct all unverifiable or unlawful data. 



Scope of verification requested XXXX. Personal identifiers All names, aliases, SSN fragments, phone numbers, and addresses linked to my record. 
XXXX. Account data Every payday, installment, or small-dollar loan entry, including opening/closing dates, payment history, balance, and lender identity. 
XXXX. Furnisher licensing Confirm each lender or collector reporting to these systems holds an active Washington license under XXXX XXXX ; delete any unlicensed data. 
XXXX. Duplicate & re-aged debts Identify and remove any accounts reported more than once or with reset date opened or date of first delinquency. 
XXXX. XXXX history Provide a list of all entities that accessed or procured my file for as long as such records remain legally reportable, as required by FCRA XXXX ( a ) ( XXXX ) and RCW XXXX ( XXXX ). 
XXXX. Scoring & decision models Disclose any risk or identity-scoring systems that used my data and the factors contributing to adverse outcomes ( FCRA 609 ( a ) ( 1 ) ( 2 ) ; 615 ( a ) ).

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 2025-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: MA

Complaint narrative:
I am writing to formally dispute and request immediate investigation and correction of an invalid debt currently being reported on my credit report by Credit Management Company. 

This alleged debt is associated with an emergency room visit I had in 2023 at XXXX XXXX XXXX in XXXX XXXX, Florida. During that visit, I was treated by an ER physician contracted through XXXX XXXX XXXX. Unfortunately, XXXX XXXX XXXX billed my insurance incorrectly using an invalid member ID number, resulting in the claim being denied. 

At the time of my visit, I had no knowledge of this billing error. As a patient, when I walk into an emergency room, I do not expect to receive multiple bills from separate contracted providers, nor do I expect to be held financially responsible for administrative billing mistakes. I also want to note that I have never received a single phone call, letter, or email notifying me of this outstanding balance or giving me an opportunity to correct the issue before it was sent to collections. 

Now, nearly XXXX years later, I have discovered this debt of {$2400.00} on my credit report. When I contacted Credit Management Company, I was told there was no way to fix the matter and that I should simply settle the debt. However, I have confirmed directly with my insurance company, Florida XXXX, that they will fully cover this visit once it is resubmitted correctly with my accurate insurance information. 

To resolve this issue, I have taken the following steps : Contacted XXXX XXXX XXXX, who informed me their billing has been transferred to XXXX XXXX. 
Attempted to contact XXXX XXXX repeatedly, but their phone lines are continuously busy and no one has returned my calls or emails. 

I have made every effort to resolve this responsibly, yet I am unable to reach anyone who can take action. This situation is causing unnecessary stress and is unfairly damaging my credit, despite the fact that my insurance is ready to pay this claim once it is correctly submitted. 

For your reference : Florida XXXX XXXX ID : XXXX XXXX Invoice Number : XXXX Claim Number : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FISERV FINXACT CORE
State: WA

Complaint narrative:
XXXX XXXX XXXX  ( XXXX ) made XXXX unauthorized withdrawals from my bank account in the amount of {$25.00} each, totaling {$100.00}. These withdrawals were related to XXXX separate transactions under {$25.00} that my bank had previously declined. 

After the declines, I was contacted by XXXX regarding the alleged debts. I informed them clearly that I did not authorize any payments or withdrawals and that it would be illegal for them to debit my account without my consent. Despite this, XXXX processed multiple unauthorized withdrawals within just a few days. 

I never provided XXXX with my banking information or authorization to initiate any transactions. This action was done without my consent and constitutes an unauthorized debit under the Electronic Fund Transfer Act ( EFTA ). I am requesting that XXXX immediately refund the {$100.00} taken from my account and confirm in writing that no further withdrawal attempts will occur. Eight days later they illegally withdrew money, after telling them i will not authorize this debit from my account, from my bank account.

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 monetary relief
Consumer complaint received 2025-10-12 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: FL

Complaint narrative:
I previously filed CFPB complaint # XXXX regarding a fraudulent account being reported by XXXX XXXX XXXX XXXX that I never opened. 

On XX/XX/scrub> 2025, XXXX XXXX acknowledged my complaint in writing and stated that branch staff would contact me to investigate the identity-theft claim. I was never contacted by anyone, and no investigation results or verification were ever provided. 

It has now been more thanXX/XX/XXXX days since their acknowledgment, and the account is still appearing on my credit reports. This is a failure to investigate and respond as required by the Fair Credit Reporting Act XXXX ( a ) ( XXXX ) and XXXX, which obligate furnishers to conduct a reasonable investigation of consumer disputes within XX/XX/XXXX days. 

I am a documented victim of identity theft. I have an FTC Identity-Theft Report and supporting identification ready to provide. I request that the CFPB open a new investigation and require XXXX XXXX XXXX XXXX to : XXXX. Conduct a proper XXXXcompliant investigation of this account ; XXXX. Provide me with copies of any application or records allegedly associated with the account under FCRA XXXX ( XXXX ) ; and XXXX. Permanently delete and cease furnishing this fraudulent account to all credit reporting agencies. 

The companys failure to follow through on their written promise to contact me and investigate is causing ongoing credit damage and distress. I ask the CFPB to intervene to ensure compliance and removal of this inaccurate information. 

Requested resolution : Immediate deletion of the fraudulent account from all credit bureaus Written confirmation of the investigation results Assurance that the company will cease furnishing inaccurate data

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 2025-10-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with fraud alerts or security freezes — 
Company: Monterey Financial Services LLC
State: MO

Complaint narrative:
In this complaint, I want to make it clear that the financial services company in question proceeded to access my credit and withdraw funds without my explicit permission. Despite the fact that they sent me a letter stating they required my approval to remove the freeze on my credit, I never responded or gave them that authorization. Nevertheless, they moved forward and started taking money from my credit card. 

Additionally, they imposed unexpected processing fees that were never clearly disclosed. The initial fee they mentioned was about {$57.00}, but then they added another charge that was never explained to me. 

Lastly, its important to emphasize that I never contacted them directly to authorize any loan or unfreezing of my credit. I believed the original offer was a scam, and I never gave them any written or verbal permission to proceed. They had no authorization from me, yet they continued with the application process regardless

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