vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Ive been a loyal customer of PenFed Credit Union since 2023 and this year, there were several errors made by this company accidentally closing my account. I should start recording my calls with them because every time I call back, I get a different response. My account and cards have been closed by them without warning at least 5 times this year. year and every time this happens, I have to call and jump through hoops until someone competent can fix the issue. I thought the problems were over, but my card and account was closed again with no notice. When I called them today, I was given the runaround and shown no empathy. They said to wait for a call back sometime next week. They are holding my paycheck hostage!! The last rep said because I lock and unlock my card too much, the system got confused and locked me out. None of this is my fault. They should be able to fix my account so I can access my funds. My paycheck got deposited yesterday. PenFed sent me no letters, no emails, no calls, nothing about an account closure or card closure. Now its a weekend and a holiday on Monday and I dont have my paycheck. Im a single mom and this is unsettling. PenFed is disorganized and downright unethical. They demanded that I pay a balance that was included in my bankruptcy and refuse to give me my paycheck. They said they will mail me a cashiers check but then when I spoke with a supervisor, she stated I cant get my funds because I owe them money. Under the law, they are not allowed to collect from me while in bankruptcy. I need my money now and I need to be compensated for the emotional distress they are causing along with late fees Im incurring.

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 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
A year or XXXX ago, I had sent my aunt money using XXXX. On XX/XX/2025, I tried sending her {$600.00} ; however, she no longer has that number. I contacted the bank minutes after the transaction and disputed the transaction trying to get my money back. I also tried contacting the person via mobile phone and text. No one is able to help me and I don't know what to do because I'm out of {$600.00}. Please help

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: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: FL

Complaint narrative:
Hunter Warfield XXXX XXXX XXXX XXXX XXXX, FL XXXX Toll Free : XXXX Subject : Formal Dispute of Alleged Debt Demand for Validation and Cease of Unlawful Reporting To Whom It May Concern, I am writing to formally dispute any and all debts you claim I owe to your company. I do not acknowledge any obligation to Hunter Warfield, and I demand full validation of this alleged debt pursuant to my rights under federal law.

Your company has placed a collection account on my consumer credit report without providing the required validation information. Specifically : Under 12 CFR 1006.34 ( b ) ( 5 ), you are required to provide validation information prior to reporting. You have not done so.

Under 12 CFR 1006.34 ( c ) ( 4 ) ( U ), I have the right to dispute an account, yet I have not been given this opportunity.

Under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ), you are prohibited from furnishing information to consumer reporting agencies without providing all legally required disclosures.

Additionally, your actions constitute the use of false, misleading, and deceptive means to collect a debt, which is a direct violation of my consumer rights. 

Accordingly, I demand the following : XXXX. Full debt validation, including all documentation you have to substantiate this alleged debt. 
XXXX. The complete purchase agreement or assignment contract between your agency and the original creditor showing your legal authority to collect this debt. 
XXXX. Proof that your company is licensed and bonded to collect debts in my state. 

Furthermore, I am revoking any and all rights for you to communicate with me via phone calls, text messages, or emails. All future communications must be sent only to me by mail at the address listed above. 

Until you fully comply with these requests and provide lawful validation, you must cease all collection activity and remove any reporting of this alleged debt from every consumer reporting agency. Failure to comply will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General. 

Please consider this letter as a formal dispute of the alleged debt in its entirety. I expect a full response within the time allowed by law. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: TN

Complaint narrative:
This is another account that was opened in my name without my permission nor did i have any acknowledgment that it was being opened i was also incacerated during the dates that it is claiming to be opened. In XXXX XXXX XXXX XXXX XXXX and also XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
When I use the " Leverage '' function on crypto.com I experience at times the application has slow lag response to initiating a trade. The use of this service will also fill orders with a notification that a pending order is found. The application at times also prevents the limitation of loss on shorter timed trades, by the lag and rejecting orders, and simple forced closure ( crash ) of the app. I talked with support about XXXX trades but over all trades this had been my experience, except while demo trading. 

The XXXX trade discussed in chat : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the accuracy and enforceability of a loan tradeline currently being reported on my credit file by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  This account is void under CFPBs XX/XX/XXXX Consent Order. The attached Final Disclosure from XXXX XXXX shows funds were disbursed directly to XXXX on XX/XX/XXXX. On XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) issued a Consent Order against XXXX and its CEO, permanently banning them from all consumer-lending activities and requiring relief for any XXXX-related financing agreements prior to XXXX. Because this loan is directly tied to XXXX and originated prior to XXXX, it is void and unenforceable under federal law. https : //www.consumerfinance.gov/XXXX  2. Lack of Borrower Authorization. I never signed or authorized this loanXXXX XXXX  claims a XXXXXXXX record exists, but I dispute the validity of that signature and request full audit logs. XXXX entirely misrepresented the loan as an XXXX, a risk free way to learn and pay later once you land a job. Without proof of my valid consent, the loan can not be legally reported. I at no point ever have spoken to XXXX  prior to this, and XXXX took this loan from them. These inconsistencies further call into question the accuracy of the information being reported to your bureau.

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 2025-08-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Accounts are being reported under my name without my knowledge, consent, or authorization. I have never opened, authorized, or managed these accounts. Their presence is inaccurate and misleading, and it is harming my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
After a reasonable opportunity to inspect the item there is a mistake on the statement and a possible error on the account that I have been attempting to have investigated and adjusted in good faith however Navy Federal Credit Union has told me " The Validation of Debt Package previously provided XXXX XX/XX/year> contained all of the information they are required to provide '' which doesn't address the concerns of the individual consumer nor addresses mistake on the statement and error on the account that is visible on the statement provided. Which has also been documented through the Bureau. 

What is the reason for the lack of due diligence by the organization responsible for payment? 
Who is obligated to make the payment according to the agreement? 
How should I utilize the upper section of my statement? 
Could you please provide the pricing information? 
Can I get credit advice about the letter I received? 

Please see the attached Statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: SC

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 2025-09-01 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: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX [ XX/XX/year> ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint Against TransUnion and XXXX XXXX Dear Sir/Madam , I am writing to formally lodge a complaint against TransUnion and XXXX XXXX regarding their handling of my credit report, which has resulted in significant and unjustified harm to my credit score and overall financial health. 

Despite my previous complaints to both organizations, I continue to experience issues that I believe violate the Fair Credit Reporting Act, specifically under Section 12 U.S. Code 5531, which prohibits unfair, deceptive, or abusive acts or practices. 

Most recently, I noticed a XXXX drop in my credit score attributed to TransUnion. This change occurred without any legitimate reason or alteration to my accounts. Additionally, I have been informed by a supervisor at XXXX XXXX that they reached out to TransUnion 's Management Department, urging them to reinstate my credit card account ending in XXXX, which has inexplicably been absent from my credit report for the past 90 days. 

The failure of TransUnion and XXXX XXXX to accurately report my credit information and rectify these issues has led to significant distress and financial repercussions for me. I believe these actions not only violate my rights as a consumer but also undermine the integrity of the credit reporting system. 

I therefore request that the CFPB and FTC investigate these matters and take appropriate actions to ensure that TransUnion and XXXX XXXX are held accountable for their practices. 

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

Sincerely,

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 2025-08-30 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: TX

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) XXXX by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer 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 2025-08-30 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. 
CREDIT COLLECTION SERV ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: IA

Complaint narrative:
INACCURATE ACCOUNTS ARE REPORTING TO MY CREDIT FILE

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 2025-08-30 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Certainly! Below is a formal business letter for XXXX XXXX addressing the issue with the reporting of the * * XXXX XXXX * * account on TransUnion, Equifax, and XXXX : -- - * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * Re : Inaccurate Reporting of XXXX XXXX  Account on TransUnion, Equifax, and XXXX * * Account Name : XXXX XXXX  Account Number : \ [ Insert Account Number ] Dear Sir/Madam, I am writing to formally file a complaint regarding the inaccurate and damaging reporting of my * * XXXX XXXX * * account on my credit reports, specifically with * * TransUnion * *, * * Equifax * *, and * * XXXX  * *. 

The XXXX XXXX account is currently reported * * three times * * across my credit reports, which is not only misleading but is also negatively impacting my credit score. Furthermore, there is a clear inconsistency between the credit bureaus : * * * TransUnion * * is reporting the account as * * closed * *, with a balance that reflects as * * outstanding * * or * * due * *. 
* * * Equifax * * and * * XXXX  * *, however, report the account as * * paid * *, which contradicts the information on TransUnion.

This discrepancy is not only confusing but also * * violates the Fair Credit Reporting Act ( FCRA ) * *, under * * 15 U.S.C. 1681i * *, which mandates that information provided to credit reporting agencies must be accurate, complete, and verifiable. These multiple reports of the same accountespecially with conflicting statuseshave caused significant harm to my credit score and financial well-being.

As per * * 15 U.S.C. 1681c * *, when an account is closed or paid, it should be accurately reflected in all credit reports and remain consistent across all reporting agencies. The discrepancies between the reports from TransUnion, Equifax, and XXXX  are in clear violation of this law, and I request immediate action to rectify this issue. 

I kindly ask that the * * CFPB * * intervene and investigate these inaccuracies, ensuring that the information provided by all credit bureaus is accurate and complies with federal law. Please find attached a copy of my credit reports from all three bureaus, highlighting the discrepancies, and any relevant documentation I have that supports my claim.

I appreciate your attention to this matter and look forward to your prompt response and resolution of this issue. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC
State: WI

Complaint narrative:
I've been contacted daily through spam phone calls from different phone numbers claiming to represent themselves as : XXXX XXXX - Aldus & Associates https : //www.aldouslegal.comXXXX XXXX XXXX XXXX XXXXXXXX, UT XXXX They repeatedly called me from different fraudulently spoofed phone numbers, leaving AI-generated voicemails that fill up my inbox and continually cause denial-of-service attacks on my phone. This harassment has been going on since XXXX, and I don't know how to get them to stop so that I can receive work-related phone calls and voicemails. This harassment affects my ability to focus at work and keep my phone available for work-related phone calls and voicemails. 

They are calling regarding a fraudulently claimed debt from an illegal business that scammed me. I want to take maximum defensive legal action, but I don't know how because they keep illegally harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting a Fair and Full Reinvestigation Demand ( FFRD ) for this account because the information being reported is inaccurate and unverifiable. The company has reported conflicting balances, charge-off status, and inconsistent payment history.

I disputed this account with Equifax, TransUnion, and Experian on multiple occasions, most recently in XX/XX/year>2025. Equifax responded that the furnisher verified the account, yet no supporting documentation, such as a signed contract, complete payment history, or lawful assignment records, was provided. 
This failure violates the Fair Credit Reporting Act ( 15 USC 1681i and 1681e ( b ) ), which requires a reasonable reinvestigation and maximum accuracy, and 15 USC 1681s-2 ( b ), which requires the furnisher to investigate and correct or delete inaccurate information.

It also violates the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) and 1692e ( 8 ) ) because reporting unverifiable debt after a formal dispute constitutes continued collection activity and misrepresentation.

I am requesting that this account be permanently deleted from my credit file, that the furnisher cease reporting unverifiable information, and that a description of the reinvestigation process be provided.

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 2025-08-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report.

Company response to consumer: Closed with explanation