vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I opened a bank account with Navy Federal and specifically asked both the customer service representative and the fraud department multiple times if I had any outstanding accounts or balances owed. I was assured each time that no such accounts existed, and I was allowed to open my account. However, today Navy Federal withdrew over {$1000.00} from my account, stating it was for a charged-off account from XXXX. I was told that I would not be refunded.

I have spoken with a supervisor and several departments, but the only response Ive received is that the matter can be escalated, with no real resolution or return of my funds. I emphasized that I had been repeatedly told I did not owe Navy Federal anything and that the money taken was my rent money. Had I been informed of this debt earlier, I would have addressed it at the time instead of being blindsided. Instead, I was told I must simply accept the loss.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I opened an American Express account. I received my physical card on XX/XX/year>. On that same day, I called to request a card for another member and to cancel that request. While explaining my request to the virtual assistant, the system misunderstood and instead canceled my account without my authorization. 

I remained on the line and an agent told me they couldn't reinstate my card and that I would have to reapply. I called back trying to escalate the problem, and an agent named XXXX put me on hold, telling me he was going to help me, but the phone call was disconnected and he did not call me back. I had to call American Express for the XXXX  time, and while the system told me the wait time to speak with a real-life agent was XXXX minutes, I actually waited more than XXXX minutes. 

I was told by American Express agents that no case or case number could be issued, despite their assurance of investigation. They told me I am the one who needs to follow up, and they would not contact me regarding the matter. I was given inconsistent timelines for resolution, ranging from XXXX business days to 14 days. American Express refused to reinstate my account, requiring me to reapply instead, even though the cancellation was caused by their system error and not by my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
On XX/XX/year>, I mailed Spring Oaks Capital LLC a written debt validation request and dispute letter regarding account [ insert last XXXX digits/account reference ]. I have proof of delivery ( green card signed by their representative ). Under the Fair Debt Collection Practices Act ( FDCPA ), they were required to provide verification of the alleged debt before continuing collection activity.

Despite receiving and signing for my letter, Spring Oaks has failed to provide any response or validation. Instead, they continue to report this alleged debt to the credit reporting agencies, damaging my credit profile. This is a direct violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ), which require accuracy, proper validation, and consumer dispute handling. 

I have exhausted attempts to resolve this matter directly with the company. Their continued reporting without validation is unlawful, misleading, and harmful to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
I was a victim of identity theft ChexSystems has bought traded my information for monetary gain without my consent they have given me run around for 2 years not allowing me have a bank account which caused trouble In my life for me and my XXXX XXXX XXXX. Ive made several disputes through Chex to start process but they are never taking note of disputes. This has been 2 years.

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 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint and Request for Debt Validation JPMCB CARD To Whom It May Concern, I am submitting this complaint to the Consumer Financial Protection Bureau regarding an alleged debt being reported by JPMCB CARD. I dispute the validity of this debt and request that it be properly validated in compliance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and other applicable laws. 

JPMCB CARD has furnished information to the credit reporting agencies that I owe a debt. I am exercising my legal rights under federal law to request validation and proof of this alleged debt. Until such validation is provided, this account must be marked as in dispute.

Specifically, I am requesting that JPMCB CARD provide the following : 1. The name and address of the original creditor.

2. A complete accounting of the alleged debt, including how the amount was calculated.

3. A copy of any signed agreement or contract bearing my signature, establishing my legal obligation to pay.

4. Documentation that JPMCB CARD has the legal authority to collect this debt.

5. Verification that the statute of limitations for collection on this account has not expired.

I am concerned that JPMCB-CARD may be reporting inaccurate, incomplete, or unverifiable information in violation of 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ). Reporting unverifiable information is harmful, misleading, and constitutes an unfair practice. 

Therefore, I respectfully request that the CFPB investigate this matter to ensure that XXXX XXXX XXXX complies with the FDCPA and FCRA. If JPMCB CARD can not provide full and proper validation, I demand that this alleged debt be deleted from all credit reporting agencies and collection efforts cease immediately. 

Please confirm receipt of this complaint and advise me of the next steps. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have encountered difficulties accessing my EXPERIAN account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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 2025-09-29 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:
Here we have XXXX  deliberately reporting inaccurate and unverified information which on the fair credit reporting act is against the law they continue to do this habitually

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 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
Name ] [ Your Address ] [ City, State ZIP NCB Management Services Address check your collection notice or their website ] Re : Cease and Desist Account Number [ XXXX Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am formally requesting that NCB Management Services and any agents, affiliates, or representatives cease all communication with me regarding the above-referenced alleged debt. Please be advised that I dispute this alleged debt in its entirety. I do not acknowledge any liability to your company or its affiliates. As required by law, after receiving this letter, you may only contact me to confirm that you will stop further communications or to inform me of specific legal remedies you intend to pursue. Any other contact will be considered harassment and a violation of federal law. I also request that you do not contact me at my place of employment, by telephone, or through any third parties. Furthermore the alleged debt is past Florida statues of limitations. Thank you for your cooperation. Please govern yourselves accordingly. Sincerely, View full

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: National Credit Systems,Inc.
State: AL

Complaint narrative:
I am submitting this complaint regarding inaccurate and harmful information being reported on my credit file. This information violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires that consumer reporting agencies and furnishers ensure maximum possible accuracy of information reported.

Reported Inaccuracy : [ e.g., listed as charge-off, delinquent, balance incorrect, etc. ] This information is not only inaccurate but also unverifiable. Its continued reporting is damaging my creditworthiness and constitutes defamation of character by misrepresenting my financial reputation. 
1.DEPT OF EDUCATION/XXXX Potentially Negative Details 2XXXX XXXX  Potentially Negative Details XXXX XXXX Potentially Negative Details XXXXXXXX XXXX Potentially Negative Details 3.NATIONAL CREDIT SYSTEMS Potentially Negative Details XXXXXXXX XXXX  Potentially Negative Details XXXX Potentially Negative Details XXXX XXXX Potentially Negative Details XXXXXXXX XXXX  Potentially Negative XXXX. XXXX  XXXX  This information is not only inaccurate but also unverifiable. Its continued reporting is damaging my creditworthiness and constitutes defamation of character by misrepresenting my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JDJ Investments, INC.
State: LA

Complaint narrative:
this account is not mine. I have reached out to the creditor many times in regards to this. Each time I call, I am told that they can't find an account with my name and social. I think someone may have used my information to open up this account after it was leaked in the data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
In XX/XX/XXXX, my brother purchased a XXXX XXXX XXXX financed through Bridgecrest, and I was listed as the co-signer. The monthly payment was {$630.00} beginning in XX/XX/XXXX. 

In XXXX, I discovered that payments were not being made. As soon as I became aware of the delinquency, I personally retrieved the vehicle and returned it to Bridgecrest to mitigate further loss. This was a voluntary surrender, not an involuntary repossession. 

Despite this, the account is being reported to the credit bureaus as a standard repossession/charge-off. I have not received full documentation regarding the accounting of payments, fees, application of refunds from cancelled ancillary products, or proper notices. 

Because I was not the primary borrower, and because I voluntarily returned the vehicle rather than it being repossessed, I believe the current reporting is inaccurate and incomplete under the Fair Credit Reporting Act. I am requesting that this tradeline be corrected or deleted from my credit reports.

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under Fair Credit Reporting Act ( FCRA ) I believe these inquiries does not belong to me they are unknown.

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under Fair Credit Reporting Act ( FCRA ) I believe these inquiries does not belong to me they are unknown.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
Fay Servicing is the current company that handles my mortgage. The original mortgage company, XXXX XXXX, modified the loan because of my financial hardship. The loan is now conventional with a fixed APR of 2.75 %. However, the term was increased to 30 more years on top of the 30-year original term, making it an unacceptable 60-year mortgage. Besides that, I noticed that from the beginning of the new monthly payments, the portion allocated to the principal was only {$100.00}, despite a total prior payment of {$850.00}. Additionally, the amount of my monthly payment increased to {$1100.00} around XXXX of this year. 
The balance is now about {$78000.00}, and, at this point, my payments should be in the {$500.00} 's. I was paying even {$400.00} when the interest rate was higher, and the balance was twice as much ( {$110000.00} ). The property tax has increased by only {$1000.00}, and most of my monthly payments are allocated straight to the escrow account. Maths don't lie, and there is something that does not match. I believe they are doing this, so I will no longer be able to cope with the mortgage, and then take the house from my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-30 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 writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
XXXX XXXX sold our Mortgage to Shellpoint during the time that we were trying to fix a slab leak in our house. Shellpoint says that they have no knowledge of the insurance claim and hasn't heard that we have one. XXXX XXXX has confirmed that Shellpoint does in fact know about the slab leak and does have some of the funds. I'm fixing to go into foreclosure for being 2 payments behind. It would be totally unfair, because if I could get reimbursed for the work that we have done on the house by Shellpoint releasing the insurance money. Those funds would more than cover what we are behind on the mortgage.

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 2025-09-29 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: EQUIFAX, INC.
State: KS

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute and demand investigation of unauthorized accounts appearing on my credit report. These accounts are being reported in my name without my authorization or knowledge. I did not open, authorize, or manage these accounts, and I have received no benefit from them. Their reporting is false, misleading, and is causing significant personal and financial 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 explanation