vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Navy Federal Credit Union has been withholding {$270.00} of my money since XX/XX/year>, while repeatedly promising specific release dates that they failed to honor. 

On Tuesday XX/XX/year>, a Navy Federal representative told me on a recorded call that my funds would be released later that day or by XX/XX/year>, and if not, to call back Thursday because someone would still be working on it. When I followed up, I was told once again to wait. On Friday XX/XX/year>, the Charge Off/Recovery department told me my funds would be deposited by Saturday morning XX/XX/year>. As of now, those funds are still not in my account. 

Each time I call, I am denied access to the department actually handling my money. I am repeatedly told that back office/charge off is closed and no one can help until business days, yet Navy Federal was still able to immediately deposit a {$30.00} courtesy credit into my account during this time. If they truly had no access, they would not have been able to do this. That proves they do have account access and are selectively choosing not to release my actual money.

I clearly declared financial hardship, but I was told they could only notate the account. One representative disconnected the call after stating she was transferring me to a senior escalation specialist, but instead the call ended. Meanwhile, I have real bills being affected. My phone bill was due XX/XX/year>, and I have additional XXXX XXXX XXXX bills due XX/XX/year>. Because Navy Federal withheld my funds, XXXX XXXX XXXX  is now assessing charges, declined payments, and I am at risk of service interruption. I have attached screenshots of these accounts, including proof of overdue and failed payments tied directly to this situation.

Navy Federal has repeatedly delayed action, refused accountability, denied escalation, failed to honor documented release promises, and withheld my money while I experience real financial harm. This has caused serious hardship, stress, and instability.

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 2025-12-27 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: GA

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS.

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA.

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING.

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: NC

Complaint narrative:
XXXX is reporting I have late payments Im disputing this under FCRA Under 15 U.S.C 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/XXXX, I placed a lock on my credit card account so that no transactions can be processed. I erroneously placed an order on XXXX XX/XX/XXXX, of which I immediately canceled on XXXX site. I went to check my credit card and found a pending charge. XXXX days later the charge posted to my account even though it was locked. On XX/XX/XXXX, I filed a dispute online with the credit card merchant, sent an additional email to XXXX and then called Barclays customer service. I spoke to Barclays customer service representative who stated only actual card transactions are blocked. I escalated to an account manager, who told me that certain transactions like auto payments and subscriptions will still go through even if card locked. I explained, this was a actual purchase on XXXX day, so it should not have posted on a locked account. The account manager went on to explain, the charge was initially declined, but it was put through again and they approved the charge without notifying me. I explained, thats not possible, since I only made the mistake once and my XXXX nor XXXX card does not operate like this. Now they believe- I should be hassled disputing the charge with the merchant, when the transaction should never have been processed. It appears Barclays are not operating in good faith and need to have their business practices and security looked at. A consumer should have the comfort of knowing their transactions are safe especially during the holiday, once their card is locked. See emails as evidence account was locked and transcation immediately canceled. No alerts were sent to cardholder.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: NJ

Complaint narrative:
Complaint I am submitting this complaint regarding TransUnions, Equifaxs, and Experians failure to accurately investigate and update the reported balance on my XXXX XXXX XXXX XXXX credit card account ending XXXX. 

TransUnion, Equifax, and Experian continues to report a {$1100.00} balance despite the account currently showing a {$20.00} balance and a {$0.00} statement balance with no payment due, as confirmed by the furnishers own records. This {$1100.00} amount represents an outdated mid-cycle snapshot and does not reflect my actual statement-cycle balance or current account status. 

I provided TransUnion, Equifax, and Experian with documentation clearly showing the correct balance ; however, TransUnion, Equifax, and Experian verified the outdated balance without conducting a reasonable reinvestigation or reconciling the discrepancy between current, statement, and reported balances. This indicates TransUnion, Equifax, and Experian relied solely on automated furnisher confirmation rather than performing the independent verification required under FCRA 611 ( a ).

As a result, TransUnion, Equifax, and Experian is reporting materially inaccurate and misleading information that inflates utilization and causes ongoing consumer harm. TransUnions, Equifaxs and Experians handling of this dispute fails to meet its statutory obligation to ensure maximum possible 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 2025-12-27 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: MD

Complaint narrative:
Transunion updated incorrect information to credit. No investigation was done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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:
Victim of Equifax Data Breach ( Case No. 1:17-md-02800 ) Violations : 15 U.S.C. 1681s-2 ( b ) & 15 U.S.C. 1681e ( b ) LEGAL NOTICE OF IMPROPER ACCOUNT REPORTING LACK OF REQUIRED IDENTIFYING INFORMATION MANDATORY ACTIONS REQUIRED 1. Provide a written statement of deletions mailed to my legal address within 5 business days.

2. Ensure no reinsertion of deleted accounts unless the furnisher certifies validity under a sworn affidavit with wet-ink signature, with notice to me within XXXX business days, as required under FCRA 1681i.

3. Conduct a full investigation into statutory violations, including : a ) Failure to protect consumer data under Texas Data Breach Notification Law ( Tex. Bus. & Com. Code 521.053 ) b ) Reinsertion of accounts without proper verification in violation of Tex. Bus. & Com. Code 20.06 c ) Failure to comply with consumer rights under 15 U.S.C. 1681n & 1681o ( civil liability for willful and negligent noncompliance ) FRAUDULENT ACCOUNTS INFORMATION a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. {$1900.00} All accounts lack permissible purpose and wet-ink signature authorization.

REQUIRED DOCUMENTATION UNDER 15 U.S.C. 1681b Original wet-ink signature applications Documentary evidence of permissible purpose Complete chain of title documentation Consumer authorization for credit inquiry Failure to produce constitutes willful violation of FCRA permissible purpose requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I have paid my XXXX XXXXXXXX XXXX  Credit card ls off in one lump sum settlement agreement with Rushmore Service Center with my old XXXXXXXX XXXX account that I had. It was a monthly settlement rolled over a period of time in which I paid increments of money towards this debt til it was satisfied as per the agreement. I have the receipts but I misplaced the letter that states it was cleared and settled by Rushmore and XXXX XXXXXXXX XXXX  Credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I attempted to purchase a XXXX XXXX Florida ticket using Cash App in the amount of {$560.00}. The transaction showed as pending in my Cash App account, but I was not notified that the payment had failed. 

On XX/XX/year>, when I arrived at XXXX XXXX Florida, I discovered that I never received my ticket. I immediately went to XXXX XXXX, where I was informed that the payment never successfully went through on their end. XXXX XXXX advised me that they issued a refund and that the funds would need to be returned by the merchant, Cash App. 

When I contacted Cash App customer support, I was told the opposite. They stated that XXXX XXXX is responsible for issuing the refund. As a result, both parties are denying responsibility, and my {$560.00} remains unresolved while the transaction still appears as pending. 

Because of this issue, I was forced to purchase another ticket out of pocket in order to enter the park, which caused significant financial strain and disrupted my planned plans. I am seeking a resolution where the pending transaction is properly voided or refunded and my funds are returned in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding a serious deposit error made by Truist Bank that has not yet been properly resolved.

On or about XX/XX/year>, I deposited a check in the amount of {$11000.00} intended for my personal Truist checking account. Due to a bank error, this check was deposited into the wrong account specifically, my fathers Truist account without my authorization or consent. 

This error occurred despite the check being intended for my account and under my name. I did not authorize the deposit to any other individual or account. This constitutes a misapplied deposit caused by Truist Banks failure to properly verify account ownership before processing the transaction.

I immediately contacted Truist to report the issue and requested a correction. As of the date of this complaint, the matter has not been fully resolved, and I have not received confirmation of when the funds will be correctly credited to my account. 

This situation has caused significant stress and concern, as the funds are substantial and were needed for legitimate personal financial obligations. The funds have not been used by the unintended recipient and remain untouched, yet Truist has failed to correct the error in a timely manner. 

I am requesting the following resolution : 1. Immediate correction of the deposit and transfer of the {$11000.00} to my rightful account 2. Written confirmation acknowledging the banks error 3. Assurance that no fees, penalties, or adverse account actions will result from this incident I believe Truist Banks handling of this matter reflects negligence and a lack of adequate safeguards to prevent deposit errors. I respectfully request assistance in ensuring this issue is resolved promptly and appropriately. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX Truist Bank Customer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: WI

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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 writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion LLC has failed to comply with the Fair Credit Reporting Act following my written disputes. 

TransUnion claimed disputed items were verified without conducting a reasonable reinvestigation and continues to publish inaccurate, obsolete, and unverifiable information on my credit report. 

TransUnion : Failed to conduct a reasonable reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Continues reporting closed and charged-off accounts that were disputed and not properly verified Continues publishing multiple obsolete addresses and incorrect name variations, violating 1681e ( b ) and 1681g ( a ) ( 1 ) Failed to delete inaccurate data under 1681i ( a ) ( 5 ) Failed to provide the method of verification as required by 1681i ( a ) ( 6 ) ( B ) ( iii ) Additionally, TransUnions continued reporting of obsolete personal identifiers and unverifiable data violates 15 U.S.C. 6801 ( b ) ( Gramm-Leach-Bliley Act ), which requires protection of consumer information from unauthorized disclosure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
See attached NOTICE TO FILE, VERIFICATION, Theft report information including police report and contact info, emailed copies of letters mailed ( lots more was sent via package in mail and other complaints if needed for reference .. all things sent via certified mail with notary as of XXXX accounts werent deleted just updated to show XXXX information, some accounts were removed from some CRAs but not others, some reports were re added after 30days.ALL ACCOUNTS WERE AGREED TO BE AND WERE at some point within the last 180 days+

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: NC

Complaint narrative:
My name is XXXX XXXX here is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation