vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 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: PA

Complaint narrative:
I am filing this complaint because Experian has failed to conduct a lawful reinvestigation under the Fair Credit Reporting Act ( FCRA ). I disputed three accounts with Experian ( XXXX XXXX, XXXX, and XXXX XXXX XXXX, and Experian continues to report them despite never providing any actual verification or documentation. 

Experian is reporting accounts that ( 1 ) were never validated, ( 2 ) contain inaccurate and conflicting data, and ( 3 ) do not meet the FCRAs standard for accuracy or completeness.

1. XXXX No Verification Provided I requested verification of this alleged {$4000.00} collection account. Experian did not provide any documentation showing : A signed contract Proof I agreed to the account Itemized statements Proof of assignment Proof the balance is accurate Date of first delinquency Any documents establishing legal liability Experian never provided verification and continues to report the account. 
This violates FCRA 611 ( a ) ( 5 ) : unverified information must be deleted.

2. XXXX XXXX No Verification Provided I also requested verification of this alleged {$320.00} collection. 
Again, Experian provided no documentation proving : That the account belongs to me That I am legally liable The original agreement Itemized charges Correct ownership Proper assignment or authorization Experian marked the item as updated without verification another violation. 
This account must be deleted for lack of verification. 



3. XXXX Experian Reporting Is Inaccurate & Unverifiable Experian is reporting XXXX with conflicting and inconsistent data, including : Reinserted balances after showing {$0.00} in prior years Charge-off history extended over multiple years Inconsistent balance reporting Dispute comments remaining after closure Data patterns that do not match actual account records Experian has not provided any documentation to verify the accuracy of what they are reporting. 
The account as reported is inaccurate and unverifiable under FCRA 607 ( b ). 

I am NOT disputing the existence of the debt. 
I am disputing Experians inaccurate reporting and failure to verify. 



Summary of Experians Failures Experian failed to comply with the FCRA because : No documentation was provided for XXXX or XXXX XXXX. 
Experian reported inaccurate and conflicting information for XXXX. 
Experian marked items as updated instead of verifying them. 
Experian failed to conduct a reasonable investigation. 
Experian continued reporting debts without proof of ownership or liability. 
Experian failed its reinvestigation obligations under FCRA.

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 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am XXXX military. For about five months ( XX/XX/XXXX till now ), Navy Federal failed to update my XXXX status in their system even though I was already serving. Because of this error, I did not receive the benefits that come with being an XXXX member. 
I contacted Navy Federal myself ( Friday XX/XX/year> ), and only then did they correct the issue. However, the delay pushed me past their processing cutoff, causing me to lose my early pay benefit for this period something I would have received if my status had been updated on time. 
I requested a goodwill adjustment or compensation for the inconvenience and for the months this went unaddressed, but Navy Federal refused. I am filing this complaint so the situation can be reviewed, and so I can receive appropriate resolution for the error and its impact on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX I woke up to XXXX Chime notifications informing me that XXXX withdrawals had been made at an ATM. I immediately called and informed XXXX bank and submit a fraud claim case with them. On XX/XX/XXXX I was informed that my fraud claim was denied, due to it being a bank holiday I was unable to contact them for further help. On XX/XX/XXXX I contacted them and was transfered to the claims department where I asked for information regarding why my fraud claim was denied, from there I was informed that the information could not be provided to me due to the information being in the hands of their investigation team. So I asked to be transferred to their investigation team where I was then informed that would not be an option. I then requested if the information could be emailed to me instead. From there I was informed that yes it could but it could take XXXX or more business days to recieve. My concern is that my bank is stalling for time, time that ATM footage could be wiped before proving I did not make or authorize these withdrawals. I would greatly appreciate an investigation into my situation. Because unfortunately I fear my bank is not doing everything in their power to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
TransUnion, Equifax, and Experian are reporting certain accounts on my file as closed while still treating them as current or active, which results in inaccurate and misleading reporting in violation of federal consumer protection laws and the Fair Credit Reporting Acts accuracy requirements. The CFPB and FTC require that information on consumer reports be accurate, properly investigated when disputed, and not misused for profit or unfair gain. Under the Truth in Lending Act, credit is the right granted by a creditor to defer payment of a debt, and consumer credit applies when credit is extended to a natural person primarily for personal, family, or household purposes. My consumer credit is tied to my status as a natural person and my signature, and the Acts purpose is to ensure meaningful disclosure of credit terms and protect consumers from inaccurate, unfair, and uninformed use of credit. Creditors and furnishers must provide clear disclosures and avoid deceptive or misleading credit practices.

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 2025-11-29 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: EQUIFAX, INC.
State: MD

Complaint narrative:
TransUnion, Equifax, and Experian are reporting certain accounts on my file as closed while still treating them as current or active, which results in inaccurate and misleading reporting in violation of federal consumer protection laws and the Fair Credit Reporting Acts accuracy requirements. The CFPB and FTC require that information on consumer reports be accurate, properly investigated when disputed, and not misused for profit or unfair gain. Under the Truth in Lending Act, credit is the right granted by a creditor to defer payment of a debt, and consumer credit applies when credit is extended to a natural person primarily for personal, family, or household purposes. My consumer credit is tied to my status as a natural person and my signature, and the Acts purpose is to ensure meaningful disclosure of credit terms and protect consumers from inaccurate, unfair, and uninformed use of credit. Creditors and furnishers must provide clear disclosures and avoid deceptive or misleading credit practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
On XXXX I put the amount of XXXX on my XXXX account. I purchased crypto because they assured me I could do so and then send to my external wallet. I did so and in this process lost fees beyond what was stated reducing my value to XXXX. That is when a subsequent we can not process this for XXXX hours showed up. This make me skeptical. I researched XXXX past record and found they will hold money for months. I reached out and stated I would rather recovery my funds as I was told it would be an immediate transfer and they advertise this on the site. I was advised to sell it and move it back into my bank account. I did this and now I recover XXXX. I have now lost {$97.00} in XXXX hour with customer service. I assume the problem is fixed and I can transfer back to my banking institution and never use XXXX  again. Instead o see your crypto sale will be held until XX/XX/XXXX. This sale had already been confirmed on the blockchain and XXXX  has the funds. They have no right to hold my money for XXXX  days. Furthermore, I am told to get the funds back in my account it will be another XXXX days processing. This was money to put toward a trip. So I requested the matter be escalated and I have yet to receive a call. I have been reading horror story after horror story of Venmo holding funds for months. This is not money I simply intended to lose. The market was up and I intended to put it into my fund and sell it with uptick not at a loss as I was forced to for resolution. I want my funds back into my banking institution immediately which is a simple and very legitimate request. It is my money, nothing is pending. I have a certified account which I have held for sometime without any negative problems other than the holds they randomly enforce when it seems to help their balance sheet or loss and profit statement. This is absurd to beg for my own money back AFTER XXXX  refused to follow its own policy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Tried to transfer funds to my XXXX account and cancelled the transactioin with no reason as to why. can not move funds when needed and can not get any information as to why.

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 2025-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
PayPal - I have had an account with them for over eight years and have never once provided them with proof of my identity as they never requested it. Out of the blue they put a restriction on my account demanding I provide them a photo ID in order to use my account. I refuse to give them an ID and can agree that it is their rules and if I can't use their service anymore, fine, however they will not delete my account. They have my credit card information and worse, my brothers checking account information and I do not agree that they should have access if they are not going to allow me to use the service. That is holding my financial information XXXX unless I comply. I do not use nor have ever used their service for banking so there isn't any law requiring them to verify my identity as they keep insisting to me. I have spoken to three supervisors who refuse to delete my account. I can't even really get an explanation into them as they interrupt every sentence I attempt to make just to repeat that they have to see my ID and can not delete my account without it. I am calling from the number on the account so they know I am the person who opened it, it is not as if I'm trying to get them to delete an account that belongs to someone else. They could also verify I am the person who opened the account by email. I do not think companies can gather your personal financial information and then refuse to release it when they impose new requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NC

Complaint narrative:
I have reviewed my credit report and noticed that I have several different loan amounts showing for account XXXX I have reached out to them directly with no response

Company response to consumer: Untimely response
Consumer complaint received 2025-11-29 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-29 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: IN

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- Balance : {$500.00} - Date Opened : XX/XX/XXXX XXXX  XXXX Bankruptcy # XXXX - Date Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- Balance : {$870.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-29 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: NC

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
During my recent trip to XXXX, in the month of XXXX, my credit card information was stolen. That same day, I discovered an unauthorized charge in the amount of {$490.00} from an unknown merchant appearing on my account statement. This charge is entirely fraudulent. I did not authorize the transaction, I did not provide my account number to the merchant, and I did not receive any goods or services in connection with this charge. 
Despite submitting two separate disputes regarding this fraudulent transaction, Citibank has denied my request for cancellation, asserting that I accepted responsibility for the disputed charge when I provided my account number for the transaction. This assertion is categorically false! I reiterate that I never provided my account number, never authorized the charge, and never received any merchandise or services. The charge is wholly unauthorized and fraudulent. 
Accordingly, I hereby demand that Citibank immediately reverse the charge and issue a full refund of {$490.00} ( plus international transaction fee ) tomyaccount.

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 2025-11-29 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: Chime Financial Inc
State: NC

Complaint narrative:
All right I've already dispute it one side of the charges they approved the refund back on the first two transactions said that there was a data error recur the next day after I got the refund back on the first two three more appeared after they told me they had blocked this merchant which I have no clue of what it even is it's a great subscription and I don't even file for them because I have all the features I need on my account if I need money okay this is several occasions I've already had issues with this bank it's to the point if they don't get it fixed and they don't quit laughing in my face and get the XXXX XXXX XXXX XXXX straight I'm going to put a lawsuit against them I'm tired of every time I call you guys or I put a complaint in nothing 's being taken care of they tell you guys one thing and do another nothing has been fixed I still have money missing out of my accounts now they're denying a refund on three transactions that were taken out the other day that I knew nothing about

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} late 30 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5500.00} late 30 days XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation