vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: MD

Complaint narrative:
On or about the XXXXXXXX XXXX XXXXXX/XX/year> I received notification that XXXX reported my XXXX XXXX retail card as delinquent for the month of XX/XX/year> with the major credit bureaus. I pulled the account statements for XXXX and XX/XX/year>. The XXXX statement showed a past due balance of {$58.00} as of XX/XX/XXXX. On XX/XX/XXXX a payment was made in the amount of {$58.00} which took care of the late payment taking care of any payment that would allow the account to go over 30 days for XXXX. I then looked at the XXXX statement which shows {$0.00} as past due and a payment of {$54.00} due XX/XX/year>. Based on my calculation the statement issued in XXXX should reflect {$54.00} past due instead of {$0.00} past due. I am at a lost with managing this account as the statements and the app. seem to all different information. I am a XXXXXXXX XXXX and I'm doing my best to stay on top of my responsibilities. Having to deal with these types of misinformation and credit reporting concerns is increasing my level of stress and anxiety making my XXXX worse. As of XX/XX/XXXX I have set up autopay with the hope that this will eliminate issues with this account. However, it does concern me that the statements, due dates, delinquent amount, and payment due all seem to change and are not consistent with the statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: MI

Complaint narrative:
My recent financial troubles have been somewhat overwhelming lately. Complaints becoming erroneously marked as duplicate weeks/months after they were submitted has also been somewhat of an additional burden. I should still apologize to Navy Federal Credit Union for neglecting to address their other oversight regarding these transactions. After refusing to address the attached charges for several months, but before they were informed that they had in fact already disputed several of the charges and before they neglected to mention either in previous CFPB responses ; they sent me a physical letter stating they were unable to retrieve the funds without electronic or other notice as is customarily sent otherwise. The newer charges, appear to be manual entries that were duplicated across multiple cards to include XXXX XXXX  and were processed when I was requesting my debit card be replaced before it somehow managed to activate itself. Navy Federal Credit Union threatened to revoke my debit card privileges after the attached fax was sent, but refused to follow through when I requested that they do so. After numerous requests, for months before the CFPB and for months after, this is the first response on the matter I have been able to receive otherwise. XXXX recently sent me a letter for similar XXXX charges, I have been out of state for some time, and havent been able to read it. As with Navy Federal Credit Union, they did not choose to initiate their standard dispute process but simply to send a letter and have not addressed any charges, and refuse to state which of those match both XXXX XXXX  and NFCU were submitted manually in duplicate amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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:
The original complaint was filed in XXXX XXXX and it has been over 45 days and the company has not removed the fraudulent accounts from my credit report. It is impacting my credit and ability to obtain new credit.

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 2025-07-20 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:
XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of * Fraudulent Account -- XXXX XXXX XXXX XXXX {$2200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 ( XXXX ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NC

Complaint narrative:
They closed my account for fraud which I didnt do and I need my account to get paid from my job

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIRSTBANK
State: CO

Complaint narrative:
I received a Text Message and Email stating that there will be an XXXX of {$310.00} released on Monday, XX/XX/year>. 
I have not received a request from a business company. I have not scheduled an XXXX. Receivingnotifications without accuracy is an error. I did call a customer service individual who also did not know what the XXXX was for. 
I have to call back again on XX/XX/year> to find out what the error and fraud is for. Calling back might have the XXXX already deposited. I won't send an XXXX to an unknown number or individual as that is an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am disputing a XXXX XXXX XXXX charge-off that is inaccurately reported on my Equifax credit report. This account is reported by Equifax and XXXX, but not by XXXX creating a clear discrepancy and suggesting the account may be either inaccurate or unverifiable.

Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to maintain accurate, complete, and verifiable information ( Sections 607 ( b ), 611, and 602 ( a ) ). If this account is legitimate, it should appear consistently across all bureaus. 

I submitted a written dispute to Equifax along with supporting documentation : proof of identity, my TransUnion report showing the absence of the account, and a screenshot of my Equifax report where the XXXX XXXX charge-off appears. 

Despite this, Equifax has not resolved the dispute or verified the account with proper documentation. I believe this tradeline is either being erroneously reported or can not be substantiated and should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/scrub>/2024 XXXX XX/XX/scrub>/2024 XXXX XXXX/XXXX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I received a notice that PayPal had permanently banned me from my account. I have reviewed their user agreement XXXX times and I have in no way violated this agreement. I use PayPal gifts to purchase XXXX gift cards. My family goes to XXXX several times a week so this service has been amazing. I not only pay my biweekly installments on time but I actually pay them early each and every payday. I have requested time and time again for the reason as to why I was banned as I have done nothing wrong. They deny my request for an answer each time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: NY

Complaint narrative:
Submitted to the CFPB on XX/XX/XXXXXXXX XXXX XXXX Round Continued and Willful Noncompliance by Equifax under FCRA 605B ) This is my fourth formal attempt to force Equifax into compliance with FCRA 605B. Since my original identity theft submission on XX/XX/XXXX, I have provided everything the law requires : a valid FTC Identity Theft Report ( # XXXX ), a government-issued photo ID, Social Security card , and current proof of address. Equifax acknowledged receipt by deleting the XXXX account, yet continues to unlawfully report multiple other fraudulent accounts from the exact same FTC filing including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fraud date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraud date : XX/XX/XXXX ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraud date : XX/XX/XXXX ). These accounts were clearly included in the original identity theft report and have already been blocked by other credit bureaus based on the same documentation. Equifaxs decision to treat this as a 611 reinvestigation by contacting furnishers is a blatant legal violation. FCRA 605B ( c ) ( 1 ) requires that a credit bureau must block identity theft information within XXXX business days of receiving a proper report not drag out the process, contact data furnishers, or make selective decisions. FCRA 605B ( c ) ( 3 ) prohibits further reporting of identity theft items after proper notice has been given. Equifax has no lawful authority to cherry-pick which items to block from the same FTC report XXXX Their partial deletion of XXXX confirms the dispute was valid. Their refusal to block the remaining accounts shows either willful defiance or systemic negligence. It is now over a month since my initial complaint and Equifax has failed to provide any response, explanation, or remedy. This is willful noncompliance. I now demand : ( XXXX ) Full and permanent deletion of all remaining fraudulent tradelines listed above ; ( XXXX ) A formal written explanation for Equifaxs continued failure to comply with 605B ; ( 3 ) Confirmation that Equifax understands its legal obligations and will cease reporting any data tied to this identity theft report. If this matter is not resolved immediately, I will escalate to the FTC, State Attorney General, XXXX, and will pursue civil remedies under FCRA 616 and 617 for all resulting damages, including financial harm and loss of credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B 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 2025-07-20 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B 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 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX my account was locked and despite multiple attempts to verify myself via their text system citi claimed they could not verify me so I had to wait for the letter. I received it on Friday the XXXX of XXXX called in and was told it would take another XXXX hours now I have been told my accounts will be closed and I will get the check in XXXX days but I need those funds now

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To resolve this issue in compliance with the Fair Credit Reporting Act ( FCRA ), I am requesting the following : Immediate reinvestigation of the late payments associated with the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The data furnishers must be required to submit proof of proper and timely notice to me before reporting any missed or late payments. This includes : Payment reminders, Billing statements, Any other form of communication that shows I was informed in advance. 

If such documentation can not be provided, the late payments are incomplete and inaccurate under FCRA 1681e ( b ) and must be : Permanently deleted from my credit report.

I request written confirmation from TransUnion that the late payment entries have been deleted, along with a revised copy of my updated credit report, sent to me within 15 business days of receipt of this letter. 

Should this not be resolved, I will proceed with complaints to the CFPB, FTC, XXXX  and Attorney General, and will consider legal claims under FCRA 616 for statutory damages and recovery of actual losses.

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 2025-07-20 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:
Equifax has refused to update or block fraudulent accounts on my credit report despite my full compliance with FCRA Sections 605B and 605C. I provided all legally required documentation, including a notarized self attestation, police report, and FTC Identity Theft Report. Still, Equifax continues to demand documents that are not required by law, directly violating my rights under the Fair Credit Reporting Act. 

This repeated denial has retraumatized me after months of therapy spent recovering from the abuse I endured while being trafficked and coerced. Their inaction is not only unlawful, it is inhumane. I am XXXX of many Americans being revictimized by credit reporting agencies that refuse to honor federal protections. Thus, I have submitted formal complaints with : - The Attorney General of my state XXXX XXXX XXXX - The Attorney General of XXXX ( Equifax 's home state ) - The XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that the Consumer Financial Protection Bureau conduct a formal investigation into Equifax ( and also XXXX  ) for ongoing mishandling of identity theft and human XXXX XXXX XXXX, and for their failure to uphold the rights guaranteed under FCRA 605B and 605C.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
In early XXXX, I discovered through the banks app that my account had been closed. I never received any notice by mail, email, or phone. When I called customer service, I was told it was due to a fraudulent membership. I asked for clarification, but they couldnt provide any explanation. 

To resolve the issue, I drove two hours to the nearest branch to verify my identity. At the branch, I was instructed to call the security department to request access to my paycheck. The following day, I called again and was told I simply needed to return to the branch to access my funds, and that a note was left on my account confirming this. I then drove an additional two hours, only to be turned away again.

My military paycheck was deposited into the account, but the bank is withholding the funds. I was told I have to wait 10 business days for a review to be completed, but I urgently need access to my money to cover bills and living expenses. 

I am an XXXX XXXX service member and respectfully request expedited handling of this issue.

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 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Hello, On XX/XX/2024, I purchased an item from the XXXX XXXX XXXXXXXX XXXX XXXX and paid {$460.00} using my SoFi Bank debit card. However, the item was lost due to the carriers fault. I requested a refund from the merchant, but they initially refused, so I filed a dispute ( claim ) with my bank, SoFi. 

During this time, SoFi reissued my debit card for security reasons, and my dispute was closed with the status no issue found. After continued discussions with the merchant, they admitted the carriers fault and agreed to refund me. However, the merchant informed me that they LOST the dispute with my bank and have not received the chargeback, which is why the refund has not yet been processed. 

I provided my bank with the XXXX code and the approval code given by the merchant, but the bank said they do not even recognize these numbers and took no action. 

My money has been withdrawn, the merchant has not received the chargeback, and SoFi keeps saying the dispute is closed. Where is my money? Shouldnt the bank be responsible for tracking and ensuring the customers funds are properly handled? Is it acceptable for a financial institution to be this irresponsible? Several months have passed without any progress, which is why I am filing this complaint. 

To summarize : Transaction amount : {$460.00} Purchase date : XX/XX/2024 Bank : SoFi Bank I have already provided the XXXX and approval codes to my bank, but no action has been taken. 

I request that CFPB investigate where my money currently is, why it has not been returned, and ensure that SoFi takes appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/year>, I received an official discharge letter from the U.S. Department of Education stating that my federal student loans for attending XXXX XXXX were eligible for full loan discharge due to widespread misconduct by the school. The letter clearly stated that I do not need to make any further payments and that my credit report would be updated accordingly. 

Despite this, the loan continues to appear on my credit report and is affecting my ability to qualify for a home loan. The servicer has failed to properly remove the discharged loan, and I have not received confirmation of any credit update or refund for prior payments, as mentioned in the discharge letter.

I am requesting immediate removal of this discharged loan from all credit reporting and a correction to reflect the forgiven status. I have provided all necessary documentation to support this complaint.

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