vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
This is a Navy Federal checking account. There was money missing out of my account. I filed a complaint prior to this one where the person who called me was extremely rude. I had tried to work with her prior to filing this complaint, and she was extremely rude. I did not say that the bank can not ever contact me again I said for that specific representative to not call me again and to have someone else reach out to me because she was extremely rude. I still have not been refunded my money and I still have not had an explanation as to why my money is missing. I would like to be in contact with someone at that bank, but not the lady who called me that lady is extremely rude and condescending and when my money is missing, I refuse to accept that type of behavior or interaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
My personal infromtion is wrong on my credit report. My name is misspelled, and the address listed is incorrect Ford Motor is a closed, paid off charge off, and needs to come off XXXX XXXX is a closed, charged-off account and needs to come off XXXXXXXX XXXX XXXXXXXX is a closed , charged-off account and needs to come off XXXX is a closed, charged-off account and needs to come off I have tried to fix this by calling and disputing them, but they come back saying verified

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am filing a complaint because my creditor ; Aidvantage ( XXXX, & XXXX ), is reporting late payment on my accounts that are inaccurate and not properly verified. I have disputed this correctly with all 3 credit bureaus and the furnisher continues to fraudulently report without complying with my request for proper address, original creditor, master promissory note, purchase agreement letter with wet signature, transcripts, and the harm it has caused with an increased cost. I am still XXXX XXXX XXXX. Proper validation of documentation is required within 30 days under 15 usc 1681s2a furnisher must report accurate information under 1681I. The credit bureaus have not performed a reasonable investigation of the above aforementioned within 30 days and all 3 should be removed from credit and lack of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint because my creditor ; XXXX  ( XXXX, & XXXX ), is reporting late payment on my accounts that are inaccurate and not properly verified. I have disputed this correctly with all 3 credit bureaus and the furnisher continues to fraudulently report without complying with my request for proper address, original creditor, master promissory note, purchase agreement letter with wet signature, transcripts, and the harm it has caused with an increased cost. I am still curently in XXXX. Proper validation of documentation is required within 30 days under 15 usc 1681s2a furnisher must report accurate information under 1681I. The credit bureaus have not performed a reasonable investigation of the above aforementioned within 30 days and all 3 should be removed from credit and lack of validation.

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 2025-08-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
This is regarding the disputed transaction under Claim # XXXX. The transaction in question pertains to an order that was cancelled by the merchant and never fulfilled. Accordingly, the charge was disputed in full compliance with applicable laws and regulations. Since XX/XX/year>2025, my account has displayed the notice : " We gave you temporary credit while your claim is under review. '' However, no such temporary credit has been applied to date. Despite placing more than XXXX calls to Wells Fargo regarding this matter, I have not received any substantive information or resolution. Each inquiry has resulted in a lack of clarity, with representatives unable to locate or explain the current status of the claim. As of todays date, based on standard interest calculations, Wells Fargo is now accountable for {$16.00} in accrued interest. This continued delay in processing the credit and the lack of communication constitute a failure in fulfilling basic customer service and fiduciary responsibilities. Immediate action is requested to ( XXXX ) apply the appropriate credit to the account, and ( XXXX ) remit the {$16.00} interest that has accrued due to the unwarranted delay. Treat this matter with the urgency it warrants.

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 2025-08-29 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CADENCE BANK
State: TX

Complaint narrative:
I am filing a complaint regarding a lender-placed insurance policy imposed by my mortgage servicer, Cadence Bank XXXX 

During a XXXX lapse in my private homeowners insurance coverage, the bank placed a policy with an annual premium of approximately {$16000.00}. For just XXXX  days, I was charged {$2400.00}. This amount is grossly disproportionate and unreasonableespecially given that no loss or claim occurred during this period. 

The lender-placed policy provides no practical benefit to me as the homeowner ; it is designed solely to protect the bank. I had no ability to choose a more affordable option or negotiate the terms. This practice has caused undue financial hardship and appears to be exploitative. 

I respectfully request that the CFPB instruct the servicer and the insurance provider to refund or substantially reduce this charge, given that : No claim or damage occurred during the gap period, The premium is excessive and not proportional to the risk, The bank did not provide a fair opportunity for me to secure my own coverage before force-placing such an expensive policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian has several entries on my credit report that are duplicates, these include : XXXX XXXX XXXXXXXX XXXX XXXX XXXX sold this to midland but they are both still being reported.

XXXX and fingerhut are showing duplicate entries. the correct entry shows that i never paid late to fingerhut and the webbank/fingerhut shows as charged off. These are duplicare entries and one of them is incorrect. 

XXXX XXXX XXXX and XXXX XXXX XXXX are duplicates. XXXX XXXX sold this debt to XXXX XXXX XXXX and yet they are both still reporting.

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 2025-08-29 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I came across the CFPB Experian lawsuit and I feel I was negatively impacted hurting my chances of credit after getting a response to my earlier dispute that the accounts were verified. Please delete these accounts on my credit report as soon as possible.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
A fraud alert was placed on my credit bureaus for all three major reporting. I have been trying to update my personal information ( phone number, address, email, and so on ) and it wont allow me to. When I try to login in on the internet to make these changes it keeps saying " system error can not verify your information. Please call '' I call the phone number given to me. The automated system picks up and refuses to patch you to a live agent for assistance. It wont let me verify my information, thus resulting in countless hours or going in circles with Experian. I am trying to acquire credit and I cant because the information that is attached to my credit fraud alert is wrong and because Experian wont let me change it or talk to anyone.

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 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/year> Sofi randomly started flagging my transactions as suspicious. When I called they told me it was because they were " new '' and " unusal '' transactions. That is incorrect. These were bills I pay every month. They further advised me they could not correct this and I would continue to be flagged. They further advised that all " new '' transactions would be flagged, including " new '' atms I have not used before. I find it shocking that a bank has incorrect information regarding my transactions. What else do they have wrong? I don't think they should be in business. As soon as I can get my direct deposit into another bank I am closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: MS

Complaint narrative:
XXXX RECEIVED SEVERAL THREATING EMAILS FROM Aldous & Associates IN REGARDS TO MULTIPLE DIFFERENT GYM MEMBERSHIPS. I SPOKE WITH SEVERAL REPS VIA PHONE TO ADVISE THAT MY IDENITY HAD BEEN STOLEN, AND ADVISED THAT I HAD NO ACTIVE GYM MEMBERSHIPS. I ALSO ADVISED THAT I DID NOT SIGN UP FOR ANY ACTIVE GYM MEMBERSHIPS, WITH ADVISING OF DOING XXXX WAY CALLS WITH THE GYM MANAGER TO CONFIRM OF SAME. I SENT IN EMAILS WITH PROOF SAYING THAT I DID NOT HAVE THIS GYM MEMBERSHIPS AND THAT THEY WERE FALSE/FRAUDELENT. I ALSO ADVISED TO SEVERAL OF THE REPS THAT I HAD PREVIOUSLY FILED CHAPTER XXXX BANKRUPTCY, AND HAD NO ACTIVE DEBTS/ OR ANY GYM MEMBERSHIPS. 
-FOR OVER 5 MONTHS I WOULD RECEIVE THREATING CALLS FROM Aldous & Associates REPS TELLING ME THAT THEY WOULD FORCE ME TO PAY THE DEBT, ALTHOUGH THEY CONFIRMED THAT THEY HAD NO LEGAL PROOF THAT I OPENED ANY GYM MEMBERSHIP, AND STATED THAT THEY HAD THE RIGHT TO DO WHAT THEY WANTED. 
Aldous & Associates HAS NOW PLACED/ADDED A {$260.00} DEBT TO MY CREDIT REPORT THAT DOES NOT BELONG TO ME AFTER MONTHS OF HARRASMENT. 
XXXX WOULD LIKE TO HAVE THIS INVESTIGATED AS THIS SHOULD BE ILLEGAL. 
XXXX ALSO HAVE DOCUMENT FROM THE GYM MANAGER THEMSELVES THAT SUPPORTS THAT THIS WAS A ILLEGAL GYM MEMBERSHIP DONE ONLINE WITHOUT ANY TYPE OF IDENTIFACTIONS CARD REQUIRED. 
XXXX DO PLAN TO SUE IF THIS ISSUE IS NOT REMOVED FROM MY CREDIT REPORT/RESOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, XXXX XXXX Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I have asked for the following to be provided with no answer : Forward Flow Agreement, Chain of Assignment, Purchase Agreement, Insurance Claim of Debt or my signature agreeing to pay. I have disputed these claims with the major credit bureaus in XXXX and XXXX of XXXX  and had no success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
On XXXX I was alerted there was a hard inquiry against my credit. I learned someone had fraudulently applied for a credit card with my information. Capitol One was the credit card issuer that accepted the fraudulent application. I did not approve this application. 

I contacted Capitol One multiple times. I first contacted Capitol One XXXX and explained I did not make the credit card application. They would not cancel the application or accept my report of fraud because they said an account number was not assigned to the credit card. They refused to halt the application process. 

Later, I contacted Capitol One on XXXX. They took a fraud report but told me their investigation would take multiple months. I offered to present myself with identification at a local bank branch to speed the process but Capitol One refused. I asked to confirm my contact information with them but they also refused to do this. So it is entirely possible they will complete the investigation and not be able to contact me. Or, worse, they may contact the fraudulent party instead. 

Because Capitol One has refused to take timely action, my credit report will continue to show a hard inquiry ( thus a reduction in my credit score ) for months. I feel as a consumer I should have more control over the use of my personal information. Capitol One was very uncooperative and may ultimately harm me financially because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$15000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX  ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-29 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: TX

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
XXXX. What Happened I am filing this complaint because Spring Oaks Capital SPV , LLC continues to contact me in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I sent the company a written Notice of Dispute and Cease & Desist pursuant to 15 U.S.C. 1692c ( c ), disputing the alleged debt in its entirety and demanding they stop all communications. 

Despite this notice, they have continued to send me emails and correspondence attempting to collect on the alleged account. 

They have failed to provide verification of the debt as required under 15 U.S.C. 1692g ( b ), including proof of assignment, original agreement, and payment history.

I also notified them under the FCRA, 15 U.S.C. 1681s-2, that the debt is disputed. If they are reporting to credit bureaus, they are required to note the dispute. 

Their continued contact is harassing, unlawful, and damaging. 

XXXX. Laws Violated FDCPA : 1692c ( c ) : Ignoring a cease & desist request.

1692g ( b ) : Failure to validate the debt upon dispute.

1692d : Harassment by repeated communications.

FCRA : 1681s-2 ( a ) ( 3 ) : Failing to report the debt as disputed. 

XXXX. Supporting XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) strict liability for FDCPA violations. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX ) improper communications held actionable. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX  XXXX ) FCRA requires accurate reporting of disputes. 

XXXX. Requested Resolution I respectfully request that the CFPB require XXXX XXXX XXXX to : Cease all communications immediately regarding this disputed debt. 

Provide written validation of the alleged debt ( original agreement, payment history, assignment documents ). 

Remove or correct any credit reporting that does not reflect the dispute. 

Provide compensation for statutory damages under the FDCPA and FCRA due to willful violations. 

XXXX. Attachments Copy of my XX/XX/XXXX Cease & Desist and Dispute Letter. 

Copies of emails received after my dispute letter showing unlawful continued communications.

Company response to consumer: Closed with non-monetary relief