vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I am filing this complaint because Navy Federal Credit Union wrongfully denied my fraud claim involving multiple unauthorized charges totaling over {$4000.00} that were processed by XXXX XXXX XXXX, a crypto exchange platform I have never used or registered with. 

I am a verified victim of identity theft. My FTC Identity Theft Report ( Report ID : XXXX, dated XX/XX/year> ) confirms this status. The largest unauthorized charge was approximately {$3000.00}, and Navy Federal denied my claim despite this clear evidence. 

I reported the transactions promptly and in good faith, but Navy Federal failed to conduct a reasonable or good-faith investigation as required by Regulation E ( 12 CFR 1005.11 ) under the Electronic Fund Transfer Act ( 15 U.S.C. 1693f ). 

The bank also failed to provide me with : Any documentation proving I authorized the transaction. 
Evidence of any verification steps taken with XXXX. 
A copy of its internal investigation or communication with the merchant. 

Under 15 U.S.C. 1693g, consumers are not liable for unauthorized electronic fund transfers unless the financial institution can demonstrate authorization, which Navy Federal has not done. 

By denying my claim without confirming whether XXXX conducted XXXX or verified my identity, Navy Federal effectively shifted liability for fraudulent activity onto me a direct violation of federal consumer protection law. 

I am requesting the CFPB to investigate Navy Federals noncompliance with the Electronic Fund Transfer Act, Regulation E, and CFPBs Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) standards under 12 U.S.C. 5531.

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 2025-11-05 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: IL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ 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 2025-11-05 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: MO

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint to request assistance regarding a Chase credit card account on which I was charged substantial interest during a period of extraordinary personal hardship. 

I previously wrote to Chase and requested a partial refund or goodwill adjustment of interest charges due to my financial situation. Despite acknowledging my circumstances, Chase declined to offer any relief. 

I am a long-time Chase customer and have always managed my account responsibly. However, over the past year, I have faced significant financial and emotional strain. I recently finalized the international adoption of my four-year-old son from XXXX, and shortly afterward, our household was directly affected by the XXXX  wildfires. These events created unexpected expenses and temporary financial instability. 

I am not disputing that the interest was contractually owed. I am simply requesting that Chase consider a goodwill interest refund or reduced-rate adjustment as a matter of compassion and customer care, given the documented hardships and my continued efforts to meet my obligations. 

I have contacted Chase multiple times through secure messages and submitted written correspondence to their Executive Office. The most recent response stated only that a credit or partial credit for the interest charges is not available, with no meaningful review of my hardship or request for assistance. 

I would appreciate the CFPBs help in encouraging Chase to revisit my case and to consider a reasonable, one-time goodwill refund or interest adjustment based on these exceptional circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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 am submitting this complaint regarding Experians continued reporting of multiple inaccurate and unverifiable accounts. I am a consumer working to correct and rebuild my credit, and I have noticed serious errors that negatively affect my creditworthiness and reputation. Some accounts are obsolete, others show incorrect dates or statuses, and several hard inquiries appear without my authorization or consent. 

Under the Fair Credit Reporting Act ( FCRA ) 609 and 611, Experian is required to ensure that all information reported about me is accurate, complete, and verifiable. I have reason to believe that the accounts and inquiries listed below do not meet these standards. I am requesting that Experian conduct a full reinvestigation, remove all unverifiable or obsolete data, and provide written verification and documentation for each item that remains. 

Accounts Reported as Charged Off ( Disputed ) XXXX Servicing # XXXX XX/XX/XXXX This account is outdated and should have been deleted as it exceeds the reporting period allowed under FCRA 605 ( a ). 

XXXX  XXXX # XXXX XX/XX/XXXX Balance and charge-off details appear inconsistent with records. 

XXXX XXXX # XXXX XX/XX/XXXX Verification of charge-off and payment history requested. 

XXXX XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX Potential duplication with another tradeline; please verify ownership and accuracy. 

XXXX # XXXX XX/XX/XXXX Requesting validation of debt and date of first delinquency. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX Unverified status and inconsistent report dates. 

Unverified/Unauthorized Inquiries XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not initiated or authorized by me. They appear related to vehicle financing and were likely the result of third-party shopping without my consent. Please remove all unauthorized inquiries per FCRA 604.

Late Payment Reporting XXXX XXXX XXXX # XXXX Inaccurate late payment history; please verify original creditor records or remove.

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 2025-11-05 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: TX

Complaint narrative:
I respectfully request that each of these items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 

Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, {$730.00} XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XX/XX/XXXX, {$1600.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$670.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$1000.00} XXXX, XXXX, XX/XX/XXXX, {$1600.00} XXXX, XXXX, XX/XX/XXXX, {$570.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1800.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1200.00} XXXX, XXXX, XX/XX/XXXX, {$1500.00} XXXX, XXXX, XX/XX/XXXX, {$3700.00} XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$2500.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} Inquiries : XXXXXXXX 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 XXXX XXXX, XX/XX/XXXX Positive Accounts : None listed. 

Late Payments : 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 2025-11-05 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: Synovus Bank
State: MD

Complaint narrative:
I am filing this complaint to demand enforcement action against the credit reporting agencies and financial institutions for their willful and unlawful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the GrammLeachBliley Act ( GLBA ), 15 U.S.C. 6801, which guarantees the protection of consumers financial privacy. 

My initial attempt to opt out of the reporting of my XXXX XXXX account was improperly closed due to fraud while I was lawfully exercising my right to opt out. Additionally, the credit reporting agencies have refused to honor my valid requests to opt out of the reporting of my XXXX XXXX account. 

Despite my submission of proper documentation and requests for correction, the agencies have knowingly refused to block or remove inaccurate and unauthorized entries, in direct violation of federal law. My consumer report was obtained, disclosed, and used for impermissible purposes in violation of 15 U.S.C. 1681b, constituting a clear breach of my privacy rights under the GLBA. 

Their continued inaction demonstrates a blatant disregard for statutory obligations and consumer privacy protections. This misconduct has caused substantial and ongoing harm to my financial standing and personal reputation. 

I am exercising my rights under the GLBA to demand that my nonpublic personal information be safeguarded and not used, shared, or disclosed without my explicit consent. 

Accordingly, I demand immediate and forceful corrective action by the Consumer Financial Protection Bureau. All parties are hereby placed on notice that I am prepared to pursue full litigation and damages without further delay should these violations persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I believe this was a robbery instead of a car loaning people XXXX  area new I was making Alot of money working for XXXX in was trying to erase my bank account in they bank account was block by FBI working for XXXX prescriptions I have attached to my identity theft so maybe the XXXX dealer was short on money in when I got they to get my other XXXX fixed for a timing change rascal, he scheme on me to empty my bank account by using me to go in the XXXX XXXX in get my money out cause he muster been aware that my XXXX XXXX account only could work by my driver license id, someone probably told him cause I was tired from working in just wasn't thinking the XXXX employee would done any theft crimes, anyway when we got to the XXXX XXXX  in XXXX XXXX XXXX California across the street from the XXXX dealer the lady in the XXXX XXXX  politely tried to tell me not to trust this guy if y'all want y'all could ask her, she the skinny XXXX lady I didn't think nothing of it, at the time in I believe the loan was fraud to give someone a new XXXX in fake sell me a used XXXX, not knowing I had XXXX  so the muster had found out in was trying to find away to recover the vehicle back from me XXXX they lost they business, so play another game by, making me think to go Arkansas to finally see some property I brought, earlier on, they some how I flip over XXXX  times in the air in XXXX XXXX  XXXX insurance claim it total loss in still re sold the vehicle, some XXXX driving the same vehicle while I'm walking now homeless in XXXX, I just pray in wish I could put puzzle together, maybe cfpb could cause all this didn't even make no sense at all I wish I could press criminal charges but no one gon na give me the correct information to all this, cfpb find any criminalogy to this case please feel free to call police you have my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: MD

Complaint narrative:
This is a follow-up complaint regarding [ XXXX XXXX  Equifax / XXXX ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX XXXX XXXX ( XXXX ), XXXX ( XXXX ), and XXXXXXXX XXXX XXXX ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: MD

Complaint narrative:
This is a follow-up complaint regarding [ XXXX XXXX XXXX XXXX  TransUnion ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : 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 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 2025-11-05 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
The entry being disputed is inconsistent with my payment history. Please investigate and amend my records to ensure accuracy.

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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Gentlemen : In XX/XX/year>, I was informed by my XXXX XXXX, my XXXX  have been returning-failed transaction declined from XXXX. I checked my online statement and th seventy-five dollars ( {$75.00} ) has been withdrawn weekly out of my checking account. If the intended recipient did not get the monies ; Where did the money go! I had to get a new debit card in XX/XX/year> due to possibly fraud. I have been a member of PNC Bank, for Twenty years This is my first experience with your Fraud Dept. 
In XX/XX/year>, I when to the XXXX XXXXXXXX XXXX to dispute automatic deduction coming out of my checking account. She pulled the records and it was verified the monies was withdrawn. I requested disputes for all those failed transaction ( XXXX, XXXX and stopped all transaction taking out of my debit card account. On XX/XX/XXXX and XX/XX/XXXX still these withdrawals coming out of my account. At this point, the representative said I should cancel this card because XXXX can roll over automatic withdrawal! I never knew that. I cancelled that card. 
The Fraud Dept sent several letter requesting more information ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) ; I did not have anything to give. All I know was the monies came out my account and did not go to the church. In XXXX the church accountant email the denial letters he received from XXXX to XXXX ; I was cc a copy. The bank has access to my account ; I did not give {$75.00} weekly out of my account. The bank did! 
On XXXX XXXX ; your Fraud Dept sent me a letter, the investigation is 0ver Explanation of Determination as follows " Process As Instructed By CustomerPer Review of Records. I did not instruct anything and more important : Where is the money! Reversal of Provisional credit on XX/XX/year>! The letter stated I could call and get the documentation used for this decision. I called XXXX XXXX ; I spoke with a representative. He was told by the fraud dept " documentation not available because I did not give them more information, they requested! WHAT! This is PNC Bank 's Fraud Dept investigation reason/answer! I visited the bank branch two times, phone calls 3-4 times, letters of failed transaction and your own bank records. 
Did they investigate anything? Follow the money trail or even call XXXX? 
The week of XXXX XXXX, you took my money zeroing out my account! No appeal!! 
This is not professional and your investigation dept questionable. Again, Where is the money?! Please review my dispute, restore my funds. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: KY

Complaint narrative:
I am submitting this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) because my personal information was compromised in the XXXX data breach. As a result, fraudulent accounts and hard inquiries are now appearing on my credit report. 
These include, but are not limited to : Personal credit card ( s ) auto loan ( s ) Personal loan account ( s ) One or more collection accounts and multiple hard inquiries I did not authorize I did not open or authorize any of these accounts or inquiries. I have attached my FTC Identity Theft Report as proof. 
I am requesting that all fraudulent accounts, collections, and inquiries related to the XXXX data breach be permanently removed from my credit file within 4 business days in accordance with FCRA 605B

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 2025-11-05 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: TX

Complaint narrative:
Please consider this my formal request for the deletion of the referenced accounts. I did not authorize them, and they appear fraudulent. Supporting documentation is attached for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: LA

Complaint narrative:
I am submitting this dispute statement for my credit report with Equifax regarding the following charged-off accounts, inquiries, and late payments. I respectfully request that each account be reviewed for accuracy. If any of the information can not be verified in accordance with the Fair Credit Reporting Act ( FCRA ), I request that it be removed from my credit report. 
Late Payment Accounts : XXXX XXXX  - Account Number : XXXX

Company response to consumer: Closed with non-monetary relief