vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
A bunch of money was taken out of my account using XXXX XXXX on my stolen phone on XX/XX/XXXX. I called Navy Federal as soon as I saw the transactions in my app later that same day. On XX/XX/XXXX I received an email saying my claim was denied because they determined that I authorized or participated in the activity when I clearly did not. When I called in to get more details, the rep never said those exact words, and instead gave roundabout explanations. Basically the bank is trying to get out of fulfilling their responsibility to protect their customers against fraud. I should be covered under regulation E yet they are outright lying saying I authorized or participated in the activity.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens 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 non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: NY

Complaint narrative:
On XX/XX/year> I deposited money onto my credit karma debit card through XXXX  retailer with cash in the amount of {$490.00}. 

The money was never added to my account. I have a proof of receipt but the company is telling me that its not their issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I had {$960.00} go missing out of my bank account via my paypal account. I went to them about it and they tried to say there was no unusual activity on my account even though I reported it as such. They would not make good on it and my bank did. When I had this happen I had the card frozen and removed it off paypal. Upon trying to delete my paypal account they would not let me delete it without putting a new card on it ( As If ). Since then the password has been changed by someone locking me out of it and on XX/XX/year> I received a letter stating that I was credit checked for applying for paypal credit. I have no access to the account what-so-ever. It wasn't me. Somebody is using my info and I believe in my heart it is somebody with paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
Putting Equifax on notice, XXXX XXXX XXXX, and XXXX XXXX is on my credit report with you guys. This has been removed about XXXX  months+ ago .. remove this false information from my credit report or I will file a federal lawsuit against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
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 2025-08-19 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-19 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'M A VICTIM OF IDENTITY FRAUD. THEY ARE CONTINUING TO REPORT THESE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED. 
I HAVE FILE A COMPLAINT WITH THE FTC AS WELL.

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 2025-08-19 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

USC 1681 ( 3 ) this account is in violation of identity theft and fraud my identifying information was given to another person without my consent - This is not mine - please remove thisfrommyreport!

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

USC 1681 ( 3 ) this account is in violation of identity theft and fraud my identifying information was given to another person without my consent - This is not mine - please remove thisfrommyreport!

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 2025-08-19 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: NJ

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2025-08-19 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: NY

Complaint narrative:
In XXXX  I disputed XXXX accounts with Experian : XXXX XXXX  XXXX credit card XXXX account ending XXXX ) XXXXXXXX XXXX XXXX  credit card ( account ending XXXX ) XXXXXXXX XXXX XXXX credit card ( account ending XXXX ) All three accounts had been placed with XXXX XXXX XXXX. I sent XXXX a written debt validation request under the Fair Debt Collection Practices Act. In response, XXXX provided me a letter stating these accounts are no longer with their office. 

I provided a copy of this letter to Experian as proof that the accounts are not valid for reporting. Despite this, Experian has refused to remove the accounts from my credit report. 

TransUnion, however, deleted these same accounts after I disputed them, showing that Experian failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). 

These accounts continue to appear on my Experian credit file as charged-off/negative accounts, even though the debt collector has confirmed they no longer handle them. This inaccurate reporting is damaging my credit and preventing me from accessing fair credit opportunities. 

I am requesting that Experian immediately delete these XXXX unverifiable accounts and confirm in writing that they will not be reinserted without proper validation.

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 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
XX/XX/year> froze my account will not let me access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize this inquiry, nor did I have any communication with that lender on the stated date.

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 2025-08-19 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: WA

Complaint narrative:
XXXX XXXX was a fraudulent student loan and is now listed as a charge off on my credit report.

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 2025-08-19 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: AR

Complaint narrative:
A formal dispute of several inaccurate, unverifiable, or outdated entries currently listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I request that you initiate a reinvestigation of the items listed below and remove them within the 30-day timeframe as required by federal law. After reviewing my report, I identified multiple issues that do not accurately reflect my credit history and negatively impact my score. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$7500.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Court : U.S. Bankruptcy Court Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX 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 2025-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank
State: TX

Complaint narrative:
On XX/XX/2025, I received a letter from First Digital Card Services regarding account number XXXX. 

I previously submitted a fraud claim, disputing that this account belongs to me. In their XX/XX/XXXX letter, First Digital rejected my fraud claim and stated the account is valid because my identification information matched an application, the card was mailed to my address, and that some payments were made from accounts in my name. 

However, they did not provide any documentary proof that I opened or authorized this account. They did not provide : A copy of the original signed application or agreement; A complete billing/payment history showing I used this account ; Proof that I personally authorized any transactions. 

Instead, they simply provided a narrative summary, which is not sufficient to validate a debt under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ) or to deny a fraud claim under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ). 

I continue to dispute this debt in full. This is a case of fraud/identity theft, and First Digitals refusal to provide real proof while attempting to hold me liable is unlawful. 

I

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Higher Education Servicing Corporation, Inc.
State: IL

Complaint narrative:
I am writing to formally file a complaint against Higher Education Servicing Corporation regarding the handling of my student loans.

I have made repeated attempts to establish and maintain a repayment plan that would allow me to remain in good standing. Despite these efforts, my loans have been placed into repayment status without my consent, and I have not been offered a deferment option that reflects my current financial circumstances. I am unable to afford the repayment terms being imposed, as I am currently on a structured payment plan with the IRS.

This situation is causing me significant emotional distress and negatively impacting my overall wellbeing. The lack of flexibility and support from my loan servicer has left me with no path forward, even though I have demonstrated willingness to resolve my obligations responsibly.

Additionally, the way my loans have been handled has severely damaged my credit. This has created further hardship for me, as I am unable to establish myself as a business owner and pursue financial independence. The negative credit impact continues to limit my opportunities and makes it harder for me to recover from this situation.

While I value my education from XXXX XXXX University, I must also state that the lending practices I experienced were predatory in nature. As a young student, I made financial decisions under the belief that my degree would guarantee better opportunities and higher income. Unfortunately, that has not been the reality, and I now find myself burdened by overwhelming debt that does not reflect the promises made to me at the time I enrolled. 

I respectfully request that Higher Education Servicing Corporation provide me with an immediate deferment plan or another form of relief that accounts for my current financial hardship. Continuing to place me into repayment when I have no ability to make the required payments is both unfair and unreasonable.

Thank you for your attention to this matter. I expect a timely and fair resolution.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
I submitted factual disputes to Equifax regarding inaccurate accounts being reported on my credit file. Despite providing clear documentation to support my disputes, Equifax has failed to make the necessary corrections, and these accounts are still being reported. This demonstrates a failure to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
This communication serves as a formal demand for the immediate blocking and deletion of all fraudulent accounts and inquiries associated with my personal information. I am a documented victim of a widespread data breach that has compromised the privacy of countless individualsincluding myself. 
The following entries on my credit report are the direct result of unauthorized access and identity theft. I did not initiate or authorize any of the following : Fraudulent Inquiries and Accounts : Equifax XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX Account Number : XXXX Experian XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ( a ) ), I am legally entitled to have these fraudulent items blocked and removed from my credit report. The breach has exposed my sensitive data and placed me at serious risk of financial harm and identity theft. 
Personal Information for Verification : - Full Name : XXXX XXXX - Social Security Number : XXXX - Date of Birth : XX/XX/XXXXXXXX  - Current Address : XXXX XXXX XXXX, XXXX XXXX Texas XXXX I demand that you take immediate action to block and delete all compromised accounts and inquiries listed above. Please provide written confirmation once this has been completed. If additional documentation is required, I am prepared to provide it without delay. 
This matter is urgent and must be resolved swiftly. I expect full compliance with federal law and a prompt response.

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