vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 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: NJ

Complaint narrative:
On XX/XX/year>, I went to XXXX located at XXXX XXXX XXXX to use the XXXX XXXX ATM XXXX XXXX to withdraw {$400.00}. The first machine I used # XXXX did not work, the message read dispensary error transaction canceled. I moved to the XXXX XXXX  ATM next to the first one and completed my {$400.00} withdraw. Despite the fact I did not receive the money from the first machine XXXX deducted the {$400.00} from my checking account. I immediately contacted Navy Federal Credit Union to request my funds back into my checking account. I was advised that the correct transaction was selected and the complaint was filed and that I would receive a provisional credit within ten days. In which I did receive a provisional credit for the {$400.00}. Without any warning or notification, On XX/XX/year>, Navy Federal Credit Union debited my account for the {$400.00} provisional credit they had given me because XXXX denied the claim. On the XXXX of XXXX, I immediately contacted Navy Federal Credit Union for information in reference to the denial and the representative said she did not have access, but she could resubmit the complaint and she would make sure it was the correct transaction. I called several times over the past two weeks following up on the complaint and provisional credit and I was told by Navy Federal Credit Union that they were still working on it. I called today XX/XX/year>, to follow up with the complaint and to request the {$400.00} provisional credit only to be told that the second complaint was closed because there was no additional information even though I provided the correct ATM machine number. A third complaint was taken and that it will take an additional 10 business days to get a provisional credit even though it was not my error. Due to the total unexpected {$400.00} debit from my checking account, I have bills that are being returned because Navy Federal Credit Union will not immediately give me a {$400.00} provisional credit until the investigation is complete on the correct transaction. If Navy Federal Credit Union had selected the correct transaction as I directed and provided accurate follow up information and feedback this could have been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Arivo Acceptance, LLC
State: GA

Complaint narrative:
This is actual and constructive notice regarding my experience with harassment from Arivo Acceptance , LLC, which I will mention hereinafter as Arivo. I have been contacted an excessive amount of times by phone and text message regarding collection activity in connection with the account. After giving my personal status updates in regard to settling the monthly amount and interest on the account, the representatives used profane and obscene language towards me. I can only assume that the representatives were not satisfied with the remedy I provided, which may be what led to their response. I have proof of the obscene and profane language via text message and other obscene and profane language captured by Arivo on the recorded line they contacted me on. I verbally warned the representative that speaking to me in a condescending manner and harassing me regarding the account would not be acceptable and that one should never have to deal with unfair treatment in a consumer transaction. The representative I spoke to on the phone by the name of " XXXX '' proceeded to tell me that she would transfer me to her supervisor " XXXX '' against my will. I never asked her to transfer me. She made the transfer by force. " XXXX '' came on the phone call asking me what I needed, and before I could explain the matter at hand, he went on to use most of the same obscene and profane language the prior representative had spoken. Although he asked me what I needed, he was already aware and ready to respond. At this point, I have determined that I made a uniformed decision by entering into the transaction with Arivo and I am afraid for my livelihood based on how I was personally handled. These agents work for Arivo and should be acting in an agent 's capacity. Not a human capacity. The interaction with Arivo 's representatives has caused me to be extremely nervous and emotionally distressed about the matter. The way the representatives spoke to me leaves me with the impression that someone from the company may approach my family and I at my home by force or threat to harm me/us. I am afraid for my family that lives here with me, hoping they are not affected by this matter concerning Arivo. I will be seeking legal counsel for help and protection, and to be compensated for the harm that Arivo has caused me thus far. I would like to make the public aware that this company is a predatory " lender '' that has caused a safety issue for me and may be causing the same issue for others.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute several entries on my consumer credit report. The Fair Credit Reporting Act ( FCRA ) requires that all information on a consumer credit report be accurate, complete, and fully verifiable. Unfortunately, it appears that your agency has failed to meet these obligations in my case. Recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against Experian , XXXX, and XXXX  have highlighted widespread noncompliance with federal law, including inadequate investigations, reliance on unverifiable data, and the unlawful reinsertion of previously deleted information. These actions demonstrate the harm consumers face when inaccurate or unverified information remains on their credit files. I am providing documentation identifying the accounts and entries that were not properly investigated or removed as required by law. I request the immediate deletion of all information that is inaccurate, incomplete, or unverifiable. The CFPBs enforcement actions reaffirm the legal obligation of all credit reporting agencies to process disputes fairly and without obstruction. Additionally, CFPB Circular XXXX makes clear that agencies may not impose unreasonable barriers to a consumers right to dispute under 15 U.S.C. 1681i. Any refusal to accept my dispute based on formatting, preferred forms, unnecessary identity-verification hurdles, or other procedural obstacles constitutes an unlawful practice.

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 2026-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: PA

Complaint narrative:
In XX/XX/XXXX, I received a letter from Selene Finance that said I could send them {$2500.00} independently, or they would increase my mortgage payments by over {$200.00} a month going from about {$2300.00} to over {$2500.00} a month ( a little over that ) .They did that in XX/XX/XXXX to present day. 

When I called Selene Finance I was told it is probably taxes. I requested a written explanation, but none was given. 

I am writing this in addition to other complaints I have filed in the past, in the concerning issues from incorrect records, and incorrect reports to incorrect info Selene gave and had to detract to XXXX XXXX XXXX XXXXXXXX XXXX. 

Also Selene Finance never returned to me the difference in monies when I paid my house insurance from XXXX XXXX to XX/XX/XXXX and the discrepency of monies held in escrow by Selene finance. for that period. They told, XXXX, my XXXX XXXX XXXX agent they were sending a check in XX/XX/XXXX for {$2500.00} which would cover insurance until XXXX XXXX. 

XXXX informed them I was paying it. But, in XX/XX/XXXXXXXX XXXX XXXX called and told me I had to let Selene finance pay it, because they were handling other escrow monies .. Selene Finance then paid {$900.00}, I was told by XXXX XXXX XXXX to carry my house insruance over to the new year XXXX a few months. I never receided the difference in the {$2500.00} XXXX XXXX sent back to them and the {$900.00} ( after I paid a number of months ) so Selene Finance paid them {$900.00}, not the {$2500.00} that was sent back to them when I paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have a complaint about receiving credit cards from TD bank. I recently asked for a new credit card to be mailed out to me. TD bank takes 7-10 days to mail out new credit card. I believe its too long to get credit card. I applied and I need money urgently. Why is it customers have to wait so long to receive new credit cards? Time is money. I cant wait too long because I need money. Why is TD bank holding on to my new credit card for so long before I can use it? When TD bank wants money from customers, TD bank wants it right away. Its not fair for customers to wait 7-10 days for a new credit card and not able to use it. The point of getting a new credit card is to use it as soon as possible. Its not right for TD bank to give new credit card in 7-10 business days. I have responsibilities to meet as well, I cant be waiting 7-10 business days for a new credit card. Whos going to pay my bills when I need money urgently? I feel TD bank took advantage of customers needs and delay my needs so I wont be able to meet end meets. That is very selfish and inconsiderate of TD bank to do business with. I hope you can change this and improve the number of days to get credit cards. Most mail are send out and receive in 1-3 days, this is more reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Nordstrom continues to furnish potentially inaccurate information regarding my Nordstrom credit card account while my credit file was under active identity dispute with XXXX XXXX XXXX XXXX beginning in XX/XX/XXXX. 

This account was charged off in XX/XX/XXXX, yet TD Bank continues to report a rolling balance of {$400.00} past due as of XX/XX/XXXX and continues updating the tradeline after my identity-related disputes were filed. 

Furnishing ongoing past-due amounts and updating a charged-off account during an active identity integrity dispute raises concerns regarding compliance with FCRA requirements to ensure maximum possible accuracy. I dispute the accuracy of the ongoing post-charge-off reporting and the continued updates after notice of identity concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I've been trying to contact customer service for months now regarding possible identity fraud letters they keep sending me. I've tried to use my online account, and the phone number they provided. The online account has been disabled and the customer service phone line never answers my calls. I need to speak with someone at Wells Fargo about the issues with my loan and account.

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 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am filing this complaint regarding multiple bank accounts opened fraudulently using my identity. 

The following institutions are reporting accounts that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Navy Federal Credit Union Account # XXXX and # XXXX These accounts were opened and/or used without my knowledge or consent and have resulted in negative reporting through XXXX XXXX XXXX 

I have filed an FTC Identity Theft Affidavit and formally demanded blocking under FCRA 605B.

The continued reporting of these accounts is preventing me from accessing banking services and is causing financial harm.

I request that the CFPB : 1. Require each institution to provide documentary proof of signed authorization.

2. Ensure compliance with FCRA mandatory blocking requirements.

3. Require deletion of unverifiable or identity theft-related reporting.

4. Investigate identity verification procedures used at account origination.

I request immediate regulatory intervention. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I reported a fraudulent check scam to Bank of America immediately. I attempted to stop my direct deposit and tax refund from posting to the affected account before it was closed. Despite this, both deposits still posted and were applied to a negative balance caused by fraud. I am requesting reimbursement or recovery of these deposits totaling approximately {$1500.00}.

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 monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Caribou Financial, Inc.
State: TX

Complaint narrative:
Issue : Misrepresentation of loan terms prior to hard credit inquiry Product : Vehicle Loan Refinance Complaint : I am submitting this complaint regarding misleading rate information provided by XXXX prior to a hard credit inquiry. 

Before consenting to a hard credit pull, I was informed that I qualified for a 3.9 % interest rate on a XXXX auto refinance loan. I relied on this information when authorizing the inquiry. 

After the hard inquiry was completed, I was informed that the rate available to me was 4.5 %. When I questioned the discrepancy, I was told that XXXX has not offered 3.9 % rates in years. 

If that statement is accurate, then quoting 3.9 % prior to the hard inquiry was misleading. If 3.9 % was conditional, those conditions were not clearly disclosed prior to obtaining authorization. 

A hard inquiry affects a consumers credit profile. Accurate and transparent disclosure of rate terms is essential before obtaining consent. 

I am requesting : Documentation of all rate disclosures made prior to the hard credit pull An explanation for the discrepancy Review of their rate-quotation practices to ensure compliance with federal consumer protection standards

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
This is the email I sent that describes the issue : I spoke to XXXX via email and apparently the card is in a long line to reopen if it even does. In the meantime my card doesnt show on the XXXX app and I can not make a payment that is currently due. I called cardless XXXX support and they can not make a payment by phone. They confirmed that the payment option has been removed on my XXXX app. XXXX XXXX customer service says my balance is {$1900.00} but I have no ability to pay it. Im afraid Ill be getting late fees and credit past dues and the representative said the call was recorded in case there Is any problems. I also was told to go to cardless website to sign up to make payments and when I put my phone number in to sign up I get errors. I have a screenshot of that. I guess XXXX didnt realize when a card is closed there is no ability to make an account payment when you have a balance which is something that needs to be fixed! I believe if the account reopens I should have the ability to make a payment. I was told that can be up to XXXX  days! 

The ticket assigned was XXXX since its been escalated on a resolution for me to make a payment. This is an official email XXXX be using for my files and any future issues with late payments or credit reporting issues due to this technical issue. 

I was told by cardless that Bilt rewards can also make a payment so they are copied on this email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: SC

Complaint narrative:
I woke up without warning that my account was closed with chime due to outstanding balance. I always borrow from my spot me and my pay and you can only borrow when you have a direct deposit. I get a direct deposit every Thursday of about XXXX $ that comes to this account in which I have a check now coming Thursday to them as well that would pay that balance in full as it always does. This is my primary bank i also have my tax refund of XXXX coming to this account and I depend on receiving both payments. I would like to have my account restored with chime! Because it was closed for no reason I had my account with them since XXXX when I call Im getting the run around! I have also been on hold for XXXX minutes in silence with a worker who claims to be documenting I am literally in tears! I need this account to be restored

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Central Holdings, LLC
State: AL

Complaint narrative:
I am filing this complaint regarding serious and ongoing violations of the Fair Credit Reporting Act ( FCRA ) and CFPB XXXX XXXX by XXXX XXXX XXXX XXXX in connection with the reporting of a Credit Central XXXX account. 
This account is being reported inconsistently and inaccurately across all three consumer reporting agencies. A single tradeline can not lawfully be reported with materially different facts, yet each bureau reports conflicting information regarding account status, original balance, reporting dates, and classification. 
Specifically, XXXX reports this account as a paid and closed charge-off while omitting required data fields such as recent balance and high credit. XXXX reports a paid charge-off with a different original balance and continues to display delinquency indicators after the account was paid and closed. XXXX reports the account as a collection/charge-off with a derogatory condition, despite the balance being {$0.00} and the account not having been updated since XX/XX/year>. 
These discrepancies constitute violations of XXXX XXXX. XXXX ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy. The conflicting statuses, balances, reporting dates, and account classifications demonstrate that none of the bureaus can verify this account for accuracy, completeness, or consistency. 
Additionally, the continued use of derogatory status language on a paid, closed account is materially misleading and contrary to CFPB and FTC guidance regarding the reporting of paid charge-offs. Reporting an account in a manner that suggests ongoing default when the obligation has been satisfied violates federal consumer protection standards. 
XXXX reporting of stale and dormant derogatory data that has not been updated since 2021 further violates XXXX XXXX. XXXX ( a ) ( XXXX ), as furnishers and consumer reporting agencies are required to update and correct information to ensure it remains accurate and complete. 
Because this account can not be verified consistently across consumer reporting agencies and contains material inaccuracies and omissions, it must be deleted pursuant to XXXX XXXX. XXXX ( a ). Correction is not an acceptable remedy for legally defective reporting. 
I am requesting that the CFPB require XXXX XXXX XXXX XXXX to permanently delete the Credit Central XXXX tradeline and require Credit Central XXXX to cease furnishing inaccurate and misleading information. 
I am also requesting confirmation of the method of verification used by each bureau, including the name of the furnisher contact, the data relied upon, and how contradictory reporting across bureaus was deemed verified. 
Desired Resolution Immediate permanent deletion of the Credit Central XXXX account from XXXX XXXX XXXX XXXX Written confirmation of deletion Confirmation that Credit Central XXXX has been instructed to cease furnishing inaccurate data

Company response to consumer: Closed with explanation