vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
It's with synchrony bank I had a CD account and money mutual account and I have a high yield savings it started with them putting a restriction on all my accounts and than not telling me anything when I called I waited than they closed my CD and kept restrictions on my other 2 accounts and I called again verified my identity and they told me that they believe my external account linked didn't really belong to me and the second thing they told me was it was cause I went negative XXXX dollar they restricted it and my direct deposit payed it back when I got paid and now they won't tell me anything more than closed my accounts and left me with one account but took my XXXX dollars in the account and charged me for the 2 closed accounts so I've tried calling the fraud department but they don't. Let me talk to the. The banker tells me they can't give me any information and the only thing they saw on my end that was I was negative XXXX dollar

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 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
About the last week of XX/XX/year>, I contacted American Express customer service to confirm the terms and eligibility requirements of a targeted bonus offer that was made directly to me. I specifically called to ask how much more I needed to spend to receive the bonus offer and the date I needed to spend it by. 

During that call, an American Express representative provided incorrect and materially misleading information regarding the offers requirements and/or eligibility. I reasonably relied on the information provided by the American Express employee and acted in good faith based on that guidance. 

On or about XX/XX/year>, I called back again to confirm the amount I needed to spend since I had made other purchases since my last call, and based on the date provided by the previous agent, I only had a few more days to meet the spend requirement. The agent gave me the amount I needed to spend but gave me a different date, but still I had a couple of days. We spoke for a few more minutes about another question I had, and as we were completing the conversation, he said he needed to confirm something and placed me on hold. When he came back on the line he informed me that as a direct result of relying on this inaccurate information given by the previous agent, I learned I had forfeited the bonus offer, resulting in financial harm. Had I been provided accurate information at the time of my inquiry, I would have acted differently and would not have lost the benefit of the offer. 
American Expresss conduct constitutes unfair and deceptive acts or practices ( UDAAP ), including : * Providing materially inaccurate information about a consumer financial product * Failing to ensure that customer service representatives provide accurate and reliable guidance regarding targeted offers * Causing financial harm as I reasonably relied on information provided by the company I believe consumers must be able to rely on information provided by company representatives, particularly when confirming eligibility for promotional offers tied to high-fee financial products.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THESE ACCOUNTS WERE NOT OPENED OR APPROVED BY ME. I HAVE NO CONNECTION TO THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc.
State: IL

Complaint narrative:
Avant locked my card due to what they said is multiple declines. The reason there were multiple declines is because I knew I had funds on my account and kept trying to make a payment. On the XXXX, I called, and they told me what the issue was, and I confirmed all charges were mine. I sent in the appropriate documents and was guaranteed this would be resolved in 24-48 hours and I'd get an email. After that time frame went by, I called back, and the representative who answered was extremely rude and told me what I was saying didn't matter, and then I continued to ask for his supervisor. After that, I got on the phone with another lady, and she said she filed a complaint for me due to the previous incident, and she put me on the phone with someone from the escalation department who assured me they had everything. After that, I waited the next 24-48 hours. I was guaranteed that the issue would be resolved, and it was not. After so long of waiting, and we are now at a week, I have been told a number of times this issue would be fixed within 24-48 hours, and one lady even told me this past Monday, " I see on my end that your account will be reactivated by the end of today, '' and I made her confirm that, and she did. I then got tired of being lied to, so I emailed them I will be seeking legal action. Immediately, they emailed me saying that my account was temporarily suspended due to inaccurate account info, which is false. I emailed them and disputed that claim ASAP and asked them to tell me what is inaccurate, which they have yet to do. After that, I called yesterday and went over all this with them, and now I am being made to start from the beginning with proving who I am before they suspend my account. They've been inconsistent, they've lied, and they tried to lie and flip the blame on me. Now that they are caught up, they are taking me through a ton of processes to prove my identity. I can't submit my audio because it is saying files too large. I would love to submit them to you all via email if I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citi Bank closed my account randomly one day after I made a few deposits into the account. I called for information on numerous occasions and was given the run around. I had XXXX dollars in the account as well as XXXX dollars pending deposit from my payroll.

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 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I am filing this complaint regarding Navy Federal Credit Unions refusal to honor an unauthorized debit card fraud claim involving a card that was stolen in the mail before I ever received it. 

The debit card ending in XXXX was intercepted prior to delivery. I never had physical possession of this card. Shortly after issuance, unauthorized transactions totaling {$140.00} appeared from a merchant ( XXXX XXXX XXXXXXXX NY ) that I did not visit and from which I received no goods or services. 

I mistakenly activated the card by phone believing my existing card had declined, not knowing the new card had been stolen. Activation without possession does not constitute authorization under Regulation E. 

The merchant has confirmed in writing that they can not locate matching transactions tied to my card number in their system, further supporting that the charges were unauthorized or misprocessed through a third-party processor. 

Despite timely reporting the fraud, Navy Federal denied my claim solely because the card was activated, without addressing the theft in transit, lack of possession, merchant confirmation, or Regulation E protections. 

I am requesting that Navy Federal : 1. Conduct a proper second review under Regulation E 2. Provide the documentation used to deny my claim 3. Issue the appropriate credit for the unauthorized transactions

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 2025-12-24 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: ID Analytics, Inc.
State: VA

Complaint narrative:
FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) I am writing to formally report identity theft due to multiple data breaches and request the removal of inaccurate fraudulent negative outdated and incomplete items from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), I am entitled to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : FRAUDULENT/OBSOLETE ACCOUNTS : XXXX XX/XX/XXXX ( XXXX ), XXXX XXXX XXXX XX/XX/XXXX ( XXXX ), XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX ), XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
I am disputing the ongoing credit reporting of a repossession account by Bridgecrest. The vehicle was repossessed and the account charged off in XX/XX/XXXX. The account is closed and no longer active. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c and 1681s-2 ), a charged-off or repossessed account must be reported based on the original Date of First Delinquency and may not be re-aged or updated to appear as a current delinquency. 

Despite this, Bridgecrest continues to report the account as past due and delinquent every month through XX/XX/XXXX, including updating the balance and reporting monthly XXXX  delinquency codes. This makes the account appear as a current and ongoing delinquency, even though the repossession occurred over five years ago and the account has been closed since XXXX. 

I disputed this reporting directly with Bridgecrest via certified mail and also disputed with XXXX XXXX XXXX XXXX. All three bureaus responded that the account was verified as accurate, but none addressed the legality of continuing monthly delinquency reporting on a closed, charged-off account. 

Under the Fair Credit Reporting Act, negative information must be reported based on the original date of first delinquency and may not be re-aged or updated in a way that makes the account appear newly delinquent. Reporting ongoing monthly delinquencies and a current past-due balance years after charge-off is misleading and does not reflect the true status of the account. 

I am requesting CFPB assistance to require Bridgecrest to correct or remove the inaccurate ongoing delinquency reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
THESE ACCOUNTS WERE NOT OPENED OR APPROVED BY ME. I HAVE NO CONNECTION TO THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: GA

Complaint narrative:
I discovered that TransUnion is reporting adverse, inaccurate, and unverifiable tradelines on my consumer credit file after my personal identifying information was compromised through a known data breach affecting consumer reporting systems. 

On XX/XX/year>, I sent TransUnion a formal written notice of data compromise and dispute, advising that because my identifiers were exposed, any verification process relying on those identifiers is legally unreliable. In that notice, I invoked TransUnions statutory duties under the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ), 15 U.S.C. 1681i ( a ) ( reasonable reinvestigation ), and 15 U.S.C. 1681c-2 ( blocking of identity-theft-related information ). 

Despite receiving this notice and supporting identity documentation, TransUnion continued to report the disputed accounts without providing original source documentation, a lawful method of verification, or evidence of a manual reinvestigation. Instead, TransUnion relied on automated or boilerplate processes, which do not satisfy the FCRA or CFPB standards for a reasonable investigationparticularly where the integrity of consumer identifiers has been compromised. 

Because TransUnions systems rely on exposed identifiers, it can not certify the accuracy of the reported data. Continuing to publish this information has caused ongoing credit harm, including damage to my credit profile and financial standing. 

In summary, TransUnion failed to : Maintain maximum possible accuracy, Conduct a reasonable reinvestigation after receiving notice of dispute, and Delete or block unverifiable information tied to compromised identifiers, in violation of the Fair Credit Reporting Act.

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 2025-12-24 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: NJ

Complaint narrative:
I am filing a formal complaint regarding inaccurate credit reporting by XXXX XXXX. I previously disputed this account with the credit bureaus, but they verified the information without providing proof of accuracy. I do not recognize the aforementioned account which, which was open on XXXXThe aforementioned account was not made nor initiated by me which results to identify thief and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that this aforementioned account posted is fraud and identity theft.

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 2025-12-24 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: NJ

Complaint narrative:
I am filing a formal complaint regarding inaccurate credit reporting by XXXX XXXX. I previously disputed this account with the credit bureaus, but they verified the information without providing proof of accuracy. I do not recognize the aforementioned account which, which was open on XXXXThe aforementioned account was not made nor initiated by me which results to identify thief and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that this aforementioned account posted is fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: CT

Complaint narrative:
Loan was forgiven but reinstated with the wrong balance and new start date. Loan was giving through XXXX tractor trailer school and FASFA on XX/XX/XXXX. It entered XXXX administrative forbearance. The loan on my credit report shows open XXXX, which is incorrect. It doesnt match student aid.gov. 
This is a federal XXXX loan originally disbursed in XXXX. It is being inaccurately reported with a XXXX open date and reinserted after administrative forbearance without proper notice. Im entitled to a mastery promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: CA

Complaint narrative:
I HAVE DISPUTED FRAUDULENT INFORMATION REPORTING ON MY CREDIT FILE TO EXPERIAN, EQUIFAX, AND TRANSUNION FOR 9 MONTHS. I HAVE SENT IN FTC Report, stated that I was a victim of EQUIFAX DATA BREACH, Provided the fraudulent accounts, Asked them to remove charges, fees, and stop reporting to credit bureaus, Include evidence : Attach your FTC report and ID copy. EXPERIAN, EQUIFAX, AND TRANSUNION HAS FAILED TO PROPERLY INVESTIGATE MY DISPUTES, REPORTING MISLEADING INFORMATION, REINSERTING INFORMATION CAUSED BY FRAUD. 




I am a victim of identity theft. I am formally disputing a transaction or an account that I have learned has been made, opened or applied for with you. I did not make this transaction or open or apply for this account and have not authorized anyone else to do so for me. You may consider this transaction or account to be fraudulent. Below is my identifying information. I have filed a report of identity theft with my local police department and a copy is attached. Under federal and California laws, creditors and other business entities must provide a copy of application and business transaction records relating to fraudulent transactions or accounts opened or applied for using an identity theft victims identity. 

I

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 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: UT

Complaint narrative:
I was the victim of a scam in which I was coerced into transferring funds from my SoFi checking account using XXXX XXXX. The transfers were made under pressure and manipulation, and I did not have a meaningful opportunity to stop or seek help before the funds were sent. 

I reported the transactions to SoFi as soon as I became aware of the scam and submitted an appeal explaining that the transfers were made under coercion. In SoFis response to my prior CFPB complaint, the company acknowledged that the transfers occurred under coercion as part of a scam. 

SoFi partially reimbursed {$2000.00} of the {$6000.00} transferred, indicating acknowledgment that the transactions were unauthorized. However, SoFi did not fully review or address my appeal. Instead, SoFi resent the same XXXX correspondence previously provided and did not explain the basis for denying reimbursement of the remaining funds. 

I have made multiple attempts to follow up with SoFi regarding this matter, including contacting customer support and SoFis legal department to request completion of the documentation needed for a police report. Despite these repeated attempts, I have not received a response or assistance. 

Additionally, SoFi changed the categorization of my dispute to goods not received, which does not accurately reflect the nature of my claim. The dispute concerns coerced money transfers as part of a scam, not a merchandise or delivery issue. This misclassification further contributed to the failure to properly review my appeal. 

I am requesting a full review of my appeal and either reimbursement of the remaining funds or a clear written explanation of the legal and policy basis for the partial denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I purchased furniture using PayPal Pay in 4. The merchant delivered incorrect merchandise. 

I contacted the merchant and PayPal to resolve the issue. The merchant became unresponsive and appears to be closed or unreachable. The merchant stated that they would arrange pickup of the incorrect items themselves, meaning they would front the pickup and delivery costs. The merchant never followed through with pickup and then became unresponsive. 

PayPal denied my dispute based on an internal dispute timeline. I then filed a chargeback with my bank. After investigation, my bank ruled in my favor. 

Despite the merchants failure to deliver the correct item, failure to retrieve the incorrect item, and the banks ruling, PayPal initiated collection activity for a negative balance. 

In PayPals Resolution Center, PayPal confirmed in writing that it does not provide return shipping and can not require the merchant to facilitate or accept a return, while still requiring a return in order to resolve the balance.I have consistently remained willing to return the item in accordance with what the merchant stated, that they would arrange and pay for pickup due to their mistake. PayPal later confirmed it does not provide return shipping and can not require the merchant to facilitate a return, yet collection activity continues. 

I remain willing to return the item upon receipt of written return instructions and confirmation that the item will be accepted. Absent that, continued collection activity is improper. 

I am requesting removal of the collection balance, cessation of collection activity, and confirmation that no negative credit reporting will occur.

Company response to consumer: Closed with non-monetary relief