vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CMG Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX North XXXX XXXX, Florida XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Federal - Consumer Financial Protection Bureau CFPB, XXXX XXXX XXXX, Washington DC XXXX Subject : Formal Complaint Against CMG Bank for XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against CMG Bank regarding their unfair and improper handling of my mortgage insurance coverage and the forced placement of an insurance policy without proper notice. 

While I acknowledge that there was a brief lapse in coverage, my valid proof of insurance was received by CMG Bank on XX/XX/XXXX. Despite this, CMG Bank issued a force-placed policy on XX/XX/XXXX, retroactively covering the period from XX/XX/XXXX, to XX/XX/XXXX, even though no such coverage was in effect during that time. 

What is especially troubling is that : I was never sent any notice that this force-placed policy had been created. 

I was never provided a copy of the policy prior to its application. 

On XX/XX/XXXX, my mortgage payment was increased without any explanation or documentation related to this forced policy. 

A letter backdated to XX/XX/XXXX, was later sent to cover up this actionafter multiple XXXX agents had confirmed that no such letter was originally sent when the policy was issued. 

These actions by CMG Bank were taken without transparency, without my knowledge, and in direct contradiction to the proof of insurance I submitted in good faith. I believe this constitutes unfair and deceptive practices and may represent violations of 12 CFR 1024.37 ( Regulation X ).

I respectfully request that the Federal - Consumer Financial Protection Bureau : Investigate CMG Banks issuance and backdating of the force-placed policy.

Require CMG Bank to rescind this improper coverage and remove all related charges.

Ensure I am refunded for any amounts wrongfully added to my mortgage.

Review CMG Banks procedures to prevent similar misconduct against other consumers. 

For your review, I am attaching the following documents : My proof of insurance dated XX/XX/XXXX Issued CMG policy dated XX/XX/XXXX A detailed letter I sent to multiple CMG departments without receiving a satisfactory response Mortgage statements reflecting the unauthorized increase Thank you for your attention to this matter. I trust the Consumer Financial Protection Bureau will take appropriate steps to protect consumers from these unfair practices. 



Please take note that this complaint has also been submitted to the Florida Department of Financial Services ( DFS ) Division of Consumer Services. 

Sincerely, XXXX XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: Affirm Holdings, Inc
State: IL

Complaint narrative:
Date : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Re : Formal Dispute of Affirm Inc Account To Whom It May Concern, I am formally disputing the accuracy and completeness of the information reported on my credit file regarding the Affirm Inc account ( Account * ), showing a reported balance of {$56.00}.

This reporting contains multiple inaccuracies and fails to comply with the standards required by the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting guidelines. Specifically : - The reported balance, status, and dates are inconsistent and unverifiable.

- The account is being reported in a manner that does not meet the maximum possible accuracy standard of FCRA 607 ( b ).

- The tradeline fails XXXX XXXX  compliance in its reporting fields, including status and payment history accuracy.

Therefore, pursuant to FCRA 611, I am demanding the method of verification for this account. If you can not provide complete, verifiable, and accurate documentation from the original creditor within the statutory period, you are required to DELETE this account from my credit report immediately. 
Failure to comply will result in escalation with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and may lead to legal action to enforce my rights under federal law. 
I expect a full reinvestigation and written confirmation of the results within 15 days as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
my personal information was exposed to XXXX data breach and my identity was stolen and I do not recognize these accounts listed below. 

XXXXXXXX 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 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 XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Recovery Management
State: AL

Complaint narrative:
Employee XXXX XXXX stated she had to get back to her job because she had one unlike me. Also stated that they was trying to block my number so I could not reach them XX/XX/year> XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please delete these inaccurate accounts within 15 days as mandated by USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

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 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
These popped up on my account and theyre not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/year> American Profit Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Debt Validation Request Alleged XXXX To Whom It May Concern, I am formally disputing the validity of the alleged debt your company claims I owe. This letter serves as a demand for full validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg. 
You are hereby notified : XXXX. I do not acknowledge or accept this alleged debt as mine. 
XXXX. You must provide strict proof that American Profit Recovery has the legal right to collect this alleged debt, including : - The original signed contract or agreement bearing my signature. 
- A full accounting of the alleged balance, including principal, interest, fees, and how these amounts were calculated. 
- Documentation showing when and how American Profit Recovery acquired this debt, and proof of assignment or transfer from the original creditor. 
- Evidence that this debt is within the statute of limitations for collection under state law. 
XXXX. Until such validation is provided, you must immediately cease all collection activity, including phone calls, letters, credit reporting, or legal action. 
Please also note that : - Any attempt to pursue this matter without providing the requested documentation will be considered a violation of federal law. 
- I will use your failure to provide proper validation as part of my defense in court. 
- This letter serves as official notice that I will require all communications in writing only. 
You are on notice. If you can not validate this alleged debt as required, you must immediately close your file, withdraw any court action, and remove any reporting from all credit bureaus. 
I expect a full written response within XXXX  days of receipt of this letter. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
This evening, XX/XX/year> at XXXXXXXX XXXX I called Capital One fraud protection as I received an email from them informing me of my new credit card. I have never attempted to open any account with them ever, so this was a big deal. According to their help line they have all of my information - Address, Social Security number, phone number. Capital One has told me they closed my account now and are doing an internal investigation to figure out the fraud, however I want a record to show on this and hold them accountable. I have also filed fraud alerts with the three credit bureaus to help prevent any similar events from occurring.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: CA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

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 2025-09-06 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: Klarna AB
State: FL

Complaint narrative:
I purchased 3 tickets to the XXXX XXXX vs XXXX XXXX XXXXXXXX for the XX/XX/year> game. I did not receive the tickets because the transfer link was sent to an incorrect email address. 
I immediately contacted both the vendor and my credit card company and they could not provide any record of the transaction and said I would not be responsible for the transaction. 
I attempted twice more to get the issue resolved and it was not resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX  Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX  Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate XXXX Account Number : XXXX Please remove it from my credit report. 

7. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Spring Oaks Capital is reporting and or attempting to collect on an account that XXXX XXXX says it sold to Spring Oaks on XX/XX/year>. XXXX own CFPB response confirms that sale date and that my personal information was transferred to Spring Oaks. I dispute Spring Oaks handling of my data and the reported account. I never gave Spring Oaks permission to obtain store or furnish my personal information. Under FCRA section 604 a company must have a permissible purpose to access and report consumer data and under FCRA section 623 furnishers must ensure maximum possible accuracy. I requested full validation and proof of authorization including a signed agreement chain of title from XXXX to Spring Oaks and evidence that I consented to this transfer of my personal information. I was not provided with lawful proof that Spring Oaks has the legal right to possess and report my data. Mailing generic verification is not acceptable. Spring Oaks must produce the signed agreement a complete itemized ledger and the purchase or assignment documents that specifically identify my account. Until that is produced reporting is inaccurate and misleading. This situation is causing credit harm and limiting my access to fair housing and credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I've been waiting 10 months for Navy Federal Credit Union to prioritize sending my check, despite multiple calls and complaints filed with the CFPB and BBB. My email address and phone number are on file, and I'd appreciate it if you could expedite communication with me. I'm requesting a new check be sent promptly, as I misplaced the one received on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX. Waiting another 60 days through the CFPB process would be inconvenient. Please expedite the process and send a new check as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the items listed below were returned as " verified '' without providing me with the details of the investigation. 

Items : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025 In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account.

A description of the procedures used to verify the accuracy and completeness of the disputed account.

All documentation you have on file retrieved during your investigation.

Who did you interview regarding the aforementioned account?

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information.

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within 5 business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ; under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney & undefined ; s fees as determined by the court.

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