vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PatientFi, Inc.
State: FL

Complaint narrative:
I paid off an installment loan with PatientFi in XX/XX/year>. I did this by doing a balance transfer from my XXXX credit card. The loan at PatientFi was overpaid in the amount of {$280.00}. I received a letter from PatientFi stating they had sent the overpayment to XXXX on XX/XX/year> ; however, it was never applied to my XXXX account. I continuously called PatientFi to advise them it has not been applied to my credit card at XXXX. I've spent hours on the phone with PatientFi and called them at least 6 times so far. When I contacted XXXX, they sent me a letter stating they returned the check to PatientFi back in XXXX and they can not apply it to my account as XXXX cashed the check they returned to them. I can not get XXXX to take care of this after multiple attempts to get my money. It is now going on 4 months and still they are holding on to my overpayment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase credit card raised my APR to 28.24 % stating that the reason is that my payment last month was late. This is totaly false. My payments have been right on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year> I filed a dispute with chime and within 24 hours my client was denied without proper investigation, and I dont feel like they took the time to actually look into this unauthorized charge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/year> Navy Federal Credit Union XXXX. XXXX XXXX XXXX, VA XXXX Re : Cease and Desist Notice - 15 U.S.C. 1692c ( c ) Account Number : XXXX To Whom It May Concern, I am writing in regard to the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), I hereby demand that you cease all communication with me immediately concerning this alleged debtexcept as required by law ( such as notifying me that collection efforts are being terminated or that you intend to pursue a formal remedy ).

Any further communication from you, other than what is permitted under the statute, will constitute a violation of the FDCPA. Such violations may be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Attorney General 's Office.

Please confirm in writing that you have received this notice and that all further communication will cease. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: TX

Complaint narrative:
Re : Unlawful Hard Inquiry Equifax, Experian, TransUnion On XX/XX/year>, XXXX XXXX accessed my Equifax file, and this inquiry is now being reported. I never authorized this inquiry. FCRA 1681b strictly limits permissible purposes. This inquiry was not initiated by me and has no lawful basis.

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 2025-08-31 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:
Re : Unlawful Hard Inquiry Equifax, Experian, TransUnion On XX/XX/year>, XXXX XXXX accessed my Equifax file, and this inquiry is now being reported. I never authorized this inquiry. FCRA 1681b strictly limits permissible purposes. This inquiry was not initiated by me and has no lawful basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAC Financial Corp
State: OK

Complaint narrative:
I am a victim of identity theft. On XX/XX/year>, I filed an Identity Theft Report with the Federal Trade Commission under report number XXXX. I recently discovered that my personal information was fraudulently used to open an account with your company. I did not open, authorize, or consent to this account, and I request that it be closed immediately. 

I ask that you provide written confirmation that I am not responsible for any charges associated with this account and that all information relating to this fraudulent account is removed from my credit files. I have enclosed a copy of my FTC Identity Theft Report for your review. Because the information you are reporting is the result of identity theft and is therefore inaccurate, I request that you cease reporting it to the consumer reporting agencies, as required under Section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). 

In addition, I have enclosed the FTCs Notice to Furnishers of Information, which outlines your obligations under the law when reporting to consumer reporting agencies. I request that you promptly investigate this matter, delete any disputed items from my credit files, and provide me with a letter confirming your findings and the corrective actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One sued me and I have been going to court regarding the payments and interest fees. I was not aware recently that they were actually dealing bad business practices to others until I did some research and discovered lawsuits against them for the same reasons I have experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern 15 U.S.C. 1681b ( f ) Permissible purposes of consumer reports Credit inquiries must have a valid purpose ( e.g., your consent ).

Unauthorized inquiries are unlawful.

15 U.S.C. 1681c Requirements relating to information on consumer reports Restricts obsolete or inaccurate information from being reported.

15 U.S.C. 1681c-2 Blocking of information resulting from identity theft 15 U.S.C. 1681i Procedure in case of disputed accuracy Requires credit bureaus to investigate disputes within 30 days and delete unverifiable or inaccurate information. 

15 U.S.C. 1681s-2 ( a ) Duties of furnishers of information Creditors can not knowingly report inaccurate or fraudulent information.

15 U.S.C. 1681s-2 ( b ) Duties of furnishers after notice of dispute Once notified by a CRA, furnishers must investigate and correct/delete inaccurate info.

15 U.S.C. 1681a ( c ) Definition of consumer report Confirms that credit inquiries are part of a consumer report and covered under the Act.

15 U.S.C. 1681g Disclosures to consumers You have the right to request full disclosure of your credit file, including who made inquiries.

15 U.S.C. 1681j Charges for disclosures You are entitled to a free credit report annually and when you are a victim of identity theft.

15 U.S.C. 1681m Duties of users taking adverse actions If you are denied credit due to inaccurate info, the user must inform you and provide bureau details.

15 U.S.C. 1681n Civil liability for willful noncompliance You can sue for damages, attorneys fees, and punitive damages if bureaus/furnishers willfully fail to comply.

15 U.S.C. 1681o Civil liability for negligent noncompliance You can sue for damages if negligence leads to inaccurate reporting.

15 U.S.C. 1681p Jurisdiction of courts ; limitation of actions Gives you the right to bring action in federal or state court.

15 U.S.C. 1681q Obtaining information under false pretenses Prohibits unauthorized access or inquiries into your credit.

15 U.S.C. 1681s Administrative enforcement Gives the FTC, CFPB, and other agencies authority to enforce FCRA compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc.
State: CA

Complaint narrative:
To : Consumer Financial Protection Bureau While I was XXXX on XXXX XXXX military service from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX, a collection account was reported to my credit file without my knowledge. I did not receive any billing statements or collection notices during that time and have only recently discovered about it through XXXX XXXX. 

Because I was XXXX, I was unable to respond or resolve the issue, and the debt was sent to collections. This action was taken while I was entitled to protections under the Servicemembers Civil Relief Act ( SCRA ). I believe this collection was reported improperly, as I had no opportunity to address the debt before negative credit reporting occurred nor received notice of this debt I am disputing the validity of this debt and requesting that it be investigated. If the company can not provide documentation showing that proper notice was given and that the reporting was compliant with the SCRA, I ask that the collection account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint against Digital Federal Credit Union ( DCU ) regarding an issue I experienced on XX/XX/year>. 

On this date, I attempted to transfer funds to my XXXX account. However, I was unable to complete the transaction due to what DCU claimed was invalid documentation. This situation has caused significant frustration and has prevented me from managing my finances effectively. 



Thank you for your attention to this matter. I hope for a prompt resolution and appreciate your assistance. 

Sincerely, 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 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I do not owe XXXX anything the debt was paid not understanding why this is on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
When significant amounts of money were sent in for payment, I believe Chase applied the funds inappropriately. Rather than applying them to the portion with the largest interest rate, they would only apply part of it and then put the rest towards balances with a 0 % interest rate. When I questioned it, they just said to refer to the credit card agreement. My understanding of the Credit Card Act of XXXX is that they must apply any funds in excess of the minimum required payment to the balance with the highest interest rate. I have disputed the following with no success. 

The statement ending XX/XX/XXXX applied {$140.00} to a balance transfer with 0 % interest when there was a balance being charged 20.24 %. 
The statement ending XX/XX/XXXX applied {$750.00} to a balance transfer with 0 % interest when there was a balance being charged 20.24 %. 
The statement ending XX/XX/XXXX applied {$1800.00} to a balance transfer with 0 % interest when there was a balance being charged 20.24 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Dear American Express Customer Service, I am writing to formally express my concern regarding the recent decrease in my credit limit. I have been a loyal American Express customer for over nine years, and throughout this time I have consistently made all of my payments on time, with no late or missed payments. 

Recently, I worked diligently to pay off my outstanding balance of {$5800.00} in full. Shortly thereafter, I was surprised to see that my credit limit was reduced to only {$1000.00}. This action does not seem to reflect my long history of responsible account management and loyalty to American Express. 
A reduction of this magnitude negatively impacts my credit utilization ratio and could potentially affect my overall credit score, despite my proven record of reliability. I respectfully request a review of this decision and a reconsideration of my credit limit. 

I value my relationship with American Express and would like to continue relying on your services as I have for nearly a decade. I kindly ask that you restore my credit limit to an amount that reflects my long-standing trustworthiness as a customer. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
This has become a prolonged dispute with BECU over accounting errors on an auto loan. The issues began when I had a gap in my insurance due to a family emergency, leading to the application of XXXX being placed on the loan. Despite resolving the issue, I continue to face unresolved past due balances, fees and repossession charges ( and threats ). 
I have made several attempts to resolve the issue, including paying the initial past due balance notice I received in XXXX of XXXX  without question. BECU has failed to provide an explanation of the past due balance. I have experienced negative credit impacts, charges, stress, and threats of repossession. 
Summary points of my complaint : 1. Inadequate Phone Support : Conflicting information and refusal to provide written clarification of the past due balance.

2. Formal Complaint Ignored : Certified letters requesting detailed account review were met with irrelevant documentation that in no way responded to the concern.

3. Loss of Personal Time : Spent hours on the phone, piecing together limited transaction details and correspondence trying to understand discrepancies, write these complaints, etc.

4. Errors Related to XXXX  Coverage : Conflicting letters about insurance premium amounts and payment adjustments. BECU reps are, to date, unable to clarify which letters are correct.

5. Payment Misapplication Issues : Payments made to resolve past due balances appear to be incorrectly applied.

6. Unclear Fund Transfer Notices : Letters about funds transferred to the account lacked details such as amounts or where the funds were from.

7. Late Fee Concerns : Late fees were applied inconsistently and prematurely and continue to accrue on the alleged past due balance.

I have demanded a detailed corrected balance, reversal of fees, correction of credit reporting, and cessation of negative actions. If there is a legitimate past due balance I will pay it as I was always willing to do. I think it is a reasonable request to have clarification on the multiple items that appear to be mistakes. Further, I think it is reasonable that I should not be accruing negative consequences for BECUs failure to assist in this issue being resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I opened this account a month ago or a little over. I was supposed to get {$300.00} with qualifying deposit and I met that qualification. I had some bank fraud going on and filed 2 disputes. The bank then closed my account saying im a liability and declined both fraud disputes. I didnt get my paycheck because they blocked all deposits. & they said I wont get the {$300.00} because they are closing my account. This is absolutely absurd & horrific. Wells Fargo bank is by far the worst bank ever!!!!!!!!!

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 2025-08-31 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Metro Collection Service Inc.
State: CO

Complaint narrative:
A " Senior Property Manager '' recently provided a debt collector my home address ( previous ), personal telephone number, and social security number information without my knowledge, verbal or written permission in an effort to collect so called costs of repairs to a commercial leased property that expired in XXXXXXXX XXXX XXXX The lease was for a commercial space between a Colorado XXXX XXXX XXXX owned by myself and my son and a landlord. Rent on the lease was not in default and the premises were vacated upon the expiration of the lease. Nearly XXXX years later, a debt collector armed with my and my son 's personal private information is pursuing us personally for disputed debts instigated by an unlicensed so called " Senior Property Manager '' pursuing false, fraudulent, and undocumented costs of repair to the premises. I have not received any proof that this " Senior Property Manager '' has any authority to act on behalf of the landlord and question that she is in cahoots with the debt collector to extort myself and my son. She provided the private personal information that was obtained by a previous landlord ( that she did not work for ) for the lease of a different property that somehow she obtained.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
XX/XX/XXXX I submitted a claim with ally financial due to repossession of car after establish in a payment plan for hardship due to XXXX. I retrieved my car back the end of XX/XX/XXXX. I reached out to ally financial twice about damages to the vehicle that occurred while in their custody. I requested to have someone examine the car and determine estimated damages which could be deducted from remaining balance of car if they wont repair. The vehicle was repossessed incorrectly. I have no been contacted in regards to the complaint. I also requested to refinance the car loan with the remaining balance for more affordable payment due to my XXXX and to prevent further hardship, negative impact towards credit and protection repossession in future. I was told that the company doesnt provide that service when it is advertised on website.

Company response to consumer: Closed with explanation