vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I am filing a formal complaint against Navy Federal Credit Union due to a pattern of unfair and obstructive practices in handling my disputes. I have submitted three separate claims : XXXX. XXXX XXXX Dispute XXXX XXXX XXXX {$100.00} on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Dispute XXXX XXXX XXXX {$100.00} on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  Dispute : {$320.00} on XX/XX/year> All these disputes were denied without proper investigation. I provided Navy Federal with all the necessary evidence, including screenshots and XXXX logs that clearly showed I had submitted the required information. Despite this, they claimed I did not provide enough proof. 

Furthermore, they have set unreasonable requirements, like demanding XXXX translations of documents from a XXXX merchant who does not issue receipts in XXXX. This is a clear attempt to create obstacles and avoid addressing my legitimate claims. 

This pattern of behavior suggests that Navy Federal is not acting in good faith and may be violating Regulation E. Other consumers have reported similar issues, indicating a broader pattern of unfair dispute resolution practices.

I request that the CFPB investigate these practices and ensure that Navy Federal conducts fair and reasonable investigations without placing undue burdens on consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please update/correct the inaccurate accounts on 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 non-monetary relief
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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Background : Due to my name being very simple and common, Experian and Equifax have been having all sorts of other people 's information added to my account. Including but not limited to credit card information, names, addresses, and hard pulls. I raised multiple disputes with Experian and Equifax already. Here, I listed my problems with Experian and Equifax separately. 

Problems with Experian : XX/XX/2025 : A hard pull showed up on my Experian account, from XXXX  XXXX XXXX. I immediately suspected identity theft and fraud. Therefore I tried to contact Experian as soon as possible but they said to contact XXXX  XXXX XXXX first. Then, I contacted XXXX  XXXX XXXX regarding the issue, which XXXX  XXXX XXXX claimed they've flagged my account, but there's nothing else they could do before an account is added. 

XX/XX/2025 : I waited patiently and monitored my Experian account closely. On this day, I received another notification saying a XXXX XXXX XXXX credit card has been added to my account. Unfortunately XX/XX/2025 is XXXX XXXX, so I couldn't reach anyone. 

XX/XX/2025 : I called XXXX  XXXX XXXX first at XXXX as Experian opens at XXXX. XXXX  XXXX XXXX fraud department said they couldn't locate this account using my social security number, my name, or my address. They've submitted a claim to find and close that account, but I received no email about the claim. I then called Experian at XXXX. Their fraud department said they disputed all of my wrong names except one, as that one is connected to a XXXX  XXXX XXXX account. I asked them to dispute the hard pull & credit card as well, and they said it's under dispute but I received no email notification about any of the disputes. Experian asked me to go back to XXXX  XXXX XXXX, so I asked them for a credit card account number, which they declined to provide. Therefore, I would like to raise it to CFPB to get this resolved. 

Problems with Equifax : I have a name " XXXX XXXX XXXX, '' and " XXXX XXXX '' added as my name, which I disputed multiple times. Equifax 's resolution is to change this name to my previously used name. However, I HAVE NOT USED THAT NAME AT ALL. I want it removed, completely! 

XX/XX/2025 : I disputed the name again. Provided my passport, my driver 's license, my XXXX, everything. They all showed my real name. There's no document where " XXXX XXXX XXXX '' is on it. With all these information, due to Equifax 's oversight and ignorance, They switched my real name to previously used, and put this " XXXX XXXX XXXX '' name again as my current name! 

XX/XX/2025 : I disputed again about this nonsense and no reply. I also found out that my husband 's name listed is also wrong. Please fix it too.

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: 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: GA

Complaint narrative:
I am a victim of identity theft. A fraudulent XXXX XXXX account keeps being reinserted on my TransUnion report. I submitted an FTC Identity Theft Report, police report, Social Security card, current bill, and ID and requested a block under FCRA 605B. TransUnion refused and said their system will only file it as a 611 dispute. This violates 605B, which requires the tradeline to be blocked within 4 business days. TransUnion also failed to send the required reinsertion notice/certification when the account was added back. I want TransUnion to block the XXXX XXXX account under 605B and provide written confirmation.

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 2025-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc
State: KS

Complaint narrative:
Back at the beginning of XXXX, spoke with a representative about this debt and told them that could not pay anything till some time after labor day. She told me noted the account and would not call back until around the end of the month to see if I got the money early. That did not happen. They called each week up to the end of XXXX. They called again just today XX/XX/year>. This time the lady gave her name as XXXX. I told her again that could not make any payment until I secured my money. She then proceed this time to give me a website and reference number to use on the website to make a payment. This is the first time that I got another live person. The other calls either no one there almost would lead me to believe they were scammers and then on occasion would leave a message about paying my debt. I still do not trust this company because not a phone number given on the website that match the one calling me. I also do not want my credit card or bank information given to them because afraid of being taken for more than just the payment. I have had my bank account tampered with before and do not want to go through that again. They have hounded me non stop till today for payment and I do not appreciate that at all. I am a working person and can not be called at work. I had even told them that as well on the first contact with a person made at the beginning of XXXX. If I was sure it was a legit company because the phone numbers matched up I might feel better about giving my personal information on my bank account to them. I have never felt they cared about anything except getting the money owed. They were not easy to work with and at times got rude because never spoke with the same person.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
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: LA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am been sued in state where I don't live. On XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX filed case against me in XXXXXXXX XXXX I live in XXXX  XXXX they have access to my credit report and they know that XXXX has different XXXX process and they didn't want me to be aware of been served and loose opportunity of responding and possibly loose the case. Account was opened XXXX XXXX ( XXXX ) statute of limitations has passed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I requested a copy of 1099C, date of first deliquency, date of auction sale date and to whom it was sold to and distrubtion of funds and interest.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i XXXX XXXX XXXX XXXX XXXX  Account not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account not mine XXXX XXXX XXXX XXXX XXXX  Account not mine XXXX XXXX XXXX XXXX Account not mine XXXX XXXX XXXX - Account not mine XXXX XXXX XXXX XXXX  Account not mine XXXX XXXX XXXX XXXX XXXX XXXX Account not mine

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 2025-09-02 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 FTC Report Number:XXXX  as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-02 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$450.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX - XXXX - Account not mine XXXX XXXX XXXXXXXX - Account not mine XXXX XXXX XXXX - Account not mine XXXX XXXX XXXX XXXX XXXXXXXX - Account not mine XXXX XXXX XXXX XXXXXXXX - Account not mine XXXX XXXX XXXX XXXX XXXXXXXX - Account not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Dear CFPB, I am writing to file a complaint regarding an issue with my mortgage account. My mortgage was previously serviced by XXXX XXXXPHH Mortgage XXXX Under PHH, my fixed monthly payment was {$2100.00}. Recently, XXXX XXXXPHH sold my mortgage to a new servicing company called XXXX XXXX XXXX XXXX 

After the transfer, my monthly payment increased to {$2200.00}, which is about {$64.00} more than I was previously paying. This increase took effect after PHH Mortgage revised my escrow account in XX/XX/year>. However, XXXX XXXX PHH Mortgage never notified me about any escrow changes or the payment adjustment. 

I contacted Mission Residential Servicing, and they informed me that XXXX XXXXPHH Mortgage made an escrow adjustment in XX/XX/year>, which we were notice at the time. XXXX XXXX also stated that they do not currently have the complete details from XXXX XXXXPHH about why the escrow was changed. They requested 10 business days to review my account and determine whether the increase was correct. They also mentioned that, depending on their findings, my monthly payment may be returned to the original amount of {$2100.00}. 

The issue is : XXXX XXXXPHH Mortgage never notified me about the escrow change or payment increase. 

XXXX XXXX XXXX does not have full records explaining why the escrow was adjusted. 

I currently have no way to verify if the payment increase is accurate or if my escrow account was handled properly. 

I am requesting the CFPBs assistance to : Investigate why my escrow account was adjusted without proper notice. 

Require XXXX XXXX PHH Mortgage and Mission Residential Servicing to provide a complete escrow analysis and full payment history. 

Ensure transparency and proper handling of my mortgage account going forward. 

Thank you for your time and assistance. I look forward to your response. 

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 2025-09-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
TSI debt collector send me bill for XXXX XXXX bill of {$130.00} that was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
On XX/XX/scrub>, 2025, I made a payment to my Apple Card. The payment cleared, was applied to my account, and my balance was reduced. However, Apple/Goldman Sachs refused to restore my available credit.

Customer support confirmed that the payment was received but stated my available credit would not be released until XX/XX/scrub>, 2025 ( 5 business days later ). They claimed the system does not allow us to release your credit, and told me there was no escalation or override available. 

This has caused financial hardship because Apple/Goldman Sachs has my funds but is withholding access to my available credit. In the past, my payments have always updated instantly, so this sudden delay is unreasonable and inconsistent with prior account history. 

I was provided complaint case number XXXX by Apple support.

I believe it is unfair for Apple/Goldman Sachs to hold cleared funds until XX/XX/scrub>, 2025, while preventing access to available credit. I am requesting that the CFPB require Apple/Goldman Sachs to release available credit immediately once payments are applied, and to review this practice to ensure it is not applied to other consumers.

Company response to consumer: Closed with explanation