vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$6800.00} INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
First, I emailed the company on XX/XX/XXXX saying I will be making my payment late. I said XX/XX/XXXX. It ended up being paid on XX/XX/XXXX. They refuse to waive the late fee eventhough my new bill doesn't generate until the XXXX of every month. I didn't get paid until yesterday. Yes, I have asked for waivers in the past. It is easier to pay my credit card bill when I get paid through XXXX. Also, the interstate rate is way too high. Why is it over 30 %? It wasn't like that XXXX years ago when I got the card. Why is the late {$41.00}? They won't even do a partial waiver. Now my bill will be way over the limit. Highway robbery.

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 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/year>, I notified Navy Federal Credit Union of multiple unauthorized transactions on my XXXX XXXX card. The majority of these charges occurred at XXXX stores and were used to purchase gift cards. Multiple days there were multiple charges for large amounts. On XXXX day, there were XXXX separate charges totaling {$2400.00}. The following daily totals are inconsistent with my normal spending patterns : {$2400.00}, {$1000.00}, {$1500.00}, {$1600.00}, {$510.00}, {$840.00}, {$970.00}, {$510.00}, {$1300.00}, {$1000.00}, {$850.00}, {$560.00}, {$370.00}, {$190.00}, {$380.00}, {$140.00}, {$140.00}, {$160.00}, {$360.00}, {$130.00}, and {$76.00} totaling {$15000.00} in fraudulent charges. 

Despite reporting this fraud and submitting a police report, my claim has been repeatedly denied by Navy Federal Credit Union. The case was investigated by XXXX XXXX of the Virginia Beach Police Department, who identified and arrested the individual responsible. The suspect confessed to the crime and was incarcerated. I did not authorize these transactions, nor did I receive any benefit from the purchases made. 

To protect my credit, I have continued to make monthly payments on the card. However, due to accrued interest, these payments have not reduced the balance related to the fraudulent activity. I am being unfairly held responsible for a debt that is the result of a crime, despite clear evidence and a criminal arrest. 

I have fully cooperated with law enforcement, filed a police report, and pressed charges. The detective has video surveillance, a confession, and has confirmed the arrest of the perpetrator. Given this, what steps can be taken to protect me as a victim of verified fraud? I am seeking assistance and resolution, as my financial institution has failed to act in my best interest.

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 2025-06-30 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX5B ( 15 U.S.C.

1681c-2 ) that you, the Experian XXXX XXXX , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AL XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} INQUIRIES : XXXX XXXX XXXX : XX/XX/XXXX XXXX Date : XX/XX/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 2025-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am a 100 % XXXX XXXX XXXX XXXX veteran and a full-time caregiver with full custody of my special needs child. I receive SSDI income totaling $ XXXX, which is protected by federal law from garnishment or discrimination. My cost of living ( including rent, utilities, and basic care ) exceeds this fixed income, and I am currently facing severe financial hardship. 

I contacted Navy Federal Credit Union ( NFCU ) to request hardship assistance on my auto loans and credit cards. Despite my full explanation of circumstances and willingness to pay what I can afford, I was told that I only qualified for a generic, one-size-fits-all 12-month plan with no flexibility. My requests for more tailored accommodations were denied, and my protected income and caregiving obligations were disregarded. 

I specifically requested that only XXXX of my credit cards ( the $ XXXX XXXX Rewards card ) be placed into hardship with interest reduced and the card frozen. Instead, I was told both cards would be frozen with no ability to keep XXXX in good standing, despite my intent to pay it in full and maintain it for emergencies. No written plan was provided. 

On the auto loan side, I requested that payments be reduced to a sustainable amount over a longer term ( example, 3660 months ) based on my hardship status. I was told all car loans could only be modified for 12 months, regardless of my income or circumstances. When I asked to escalate this to a supervisor, I was again denied flexibility. 

NFCU has now documented my hardship request but refuses to adjust the options. I believe this violates fair servicing standards for borrowers with protected income under SSDI and veteran status, especially when no loss mitigation flexibility is considered. I am not refusing to pay, I am seeking a payment structure I can actually sustain under the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/year>, I mailed Discover a good-faith settlement offer of {$1000.00} to resolve a disputed account tied to an unauthorized XXXX withdrawal. The amount withdrawn was {$840.00} more than XXXX times what I had authorized and it caused real financial disruption. 
When I didnt receive a response, I sent a second certified letter on XX/XX/year>, respectfully requesting a written reply and offering to settle the account amicably. Unfortunately, instead of a formal response, I later received a generic form letter on XX/XX/XXXX categorizing the issue as a transaction dispute not the settlement it clearly was. 
In XXXX, I discovered that Discover had reported a major derogatory mark to my credit file, despite never acknowledging or addressing the offer. This happened without any denial, counteroffer, or written explanation. On XX/XX/XXXX, I sent a final letter disputing the reporting under Section 623 of the Fair Credit Reporting Act ( FCRA ), and Im now filing this CFPB complaint as stated. 
Im not trying to be difficult Ive tried to resolve this respectfully and directly, and I remain open to doing so. Im simply asking that Discover : Formally respond to my XX/XX/XXXX and XX/XX/XXXX letters Remove or correct the derogatory credit entry while this remains unresolved Review how this matter was handled in light of FCRA requirements Ive attached both letters and supporting documentation and truly hope this can be resolved fairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Pursuant to 15 U.S.C. 1692g - Validation of Debts Under 15 U.S.C. 1692g, consumers have the right to request validation of a debt from a debt collector within 30 days of receiving initial communication. Validation requires the debt collector to provide : 1. Date the account was opened.

2. Current balance owed.

3. Date of first delinquency.

4. Charged-off status and date, if applicable. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Pursuant to 15 U.S.C. 1692g - Validation of Debts Under 15 U.S.C. 1692g, consumers have the right to request validation of a debt from a debt collector within 30 days of receiving initial communication. Validation requires the debt collector to provide : 1. Date the account was opened.

2. Current balance owed.

3. Date of first delinquency.

4. Charged-off status and date, if applicable. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
On XX/XX/year>, my Apple Card was fraudulently charged {$3000.00} at a merchant named XXXX XXXX XXXX XXXX XXXX  via Apple Pay. I was physically deceived and my phone was used without my permission to complete this transaction. 

I immediately filed a police report with the XXXX Police Department detailing the theft and unauthorized transaction. I submitted this report to Goldman Sachs ( Apple Card issuer ) when I disputed the charge. 

Despite providing the police report and disputing the charge, Goldman Sachs conducted an investigation but denied my dispute, stating there was no evidence to support my claim. They reversed the temporary credit and expect me to pay the full amount. 

I have tried multiple times over XXXX months to resolve this with Goldman Sachs, but the charge remains, and I have received no meaningful explanation or evidence supporting their decision.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-30 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:
I have previously disputed with Experian, Equifax and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Im writing to dispute an inquiry that has appeared on my credit report which I had absolutely no knowledge of and did not authorize in any way. Let me be completely straightforward : this inquiry is fraudulent, and it should have never been made under my name or tied to my credit file. 

Ive never had any interaction with the company responsible for this inquiry. I didnt apply for credit, I didnt consent to any credit check, and I certainly didnt give anyone permission to access my personal credit information. This was done without my knowledge or consent, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). That law exists to protect consumers like me from exactly this kind of unauthorized activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX Account Number XXXX Balance : {$5500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX Account number XXXX Balance {$11000.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Account number XXXX Balance {$990.00} Open Date XX/XX/XXXX XXXX Account number XXXX Balance {$980.00} Open Date XX/XX/XXXX XXXX Account number XXXX Balance {$600.00} Open Date XX/XX/XXXX XXXX Account number XXXX Balance {$190.00} Open Date XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c 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 explanation
Consumer complaint received 2025-06-30 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: NV

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

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: NJ

Complaint narrative:
I am writing to formally dispute the collection account that LVNV funding XXXX XXXXXXXX XXXX XXXX is reporting to the credit bureaus regarding an alleged debt from utilities. Upon recently reviewing my credit reports, I was shocked to find this account listed. I have no knowledge or record of ever holding an account with utilities, nor have I received any prior communication from your officeincluding but not limited to a phone call, text message, email, or the XXXX notice required by the Fair Debt Collection Practices Act ( FDCPA ). This lack of notification raises serious concerns regarding the legitimacy, accuracy, and ownership of this alleged debt. This erroneous reporting has caused me significant harm, including difficulty obtaining credit and jeopardizing my pending home loan application. Under the FDCPA, I have the right to request to dispute its validity. Given that I have not received any required notice or verification as outlined under 15 U.S.C. 1692g, this collection account appears to be in violation of federal law. I am hereby requesting that you immediately remove this collection account from all consumer credit reporting agencies ( XXXX XXXX XXXX XXXX ) as it is unverified and disputed. Please respond to this dispute in writing within 30 days of receipt of this letter, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: FL

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

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under XXXX XXXX. XXXX : - Creditor Name : [ XXXX XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX XXXX XXXX  ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX XXXX ] XXXX Account Number : [ XXXX ] - Reason for dispute : [ account not mine ]

Company response to consumer: Closed with non-monetary relief