vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX called me on XX/XX/XXXX of 2025. They told me that I had an outstanding balance and that I could settle today. They said that they had an offer of half the debt. I told them that I could not afford it right now and I if they could give me a better offer. Maybe I could do it today on the phone so they went and did a phone call with a manager. And he came back after 45 seconds to tell me that they have a new offer of {$900.00}. I said I can not pay that today. I dont have {$900.00} but I have {$600.00} that I can do today if youre willing if you guys can take that and he said OK let me make a call. He made the call. Said OK we can accept that and that was it about the settling. I agreed to all the little disclosures and everything else they asked me and I said matter fact on all of the other account, I dont mind doing XXXX $ a month payment on that since you know its a good start to get rid of my debt and he said OK. 

today on XXXX XXXX, I have a woman calling me from the same thing asking me if I would like to pay the remainder of that account. I tell her well Ive settled it on XX/XX/XXXX and she said no I didnt and keep harassing me and trying to force me and talking over me to make me pay whatever else they feel I owe them. The phone call is recorded I wrote everything down for it. I told my ol lady about it. Theres recordings of it that it happened and she said no its it was just a payment so I believe that I was lied to and misled into paying a payment instead of a settlement so maybe he could gain some type of bonus personal gain something.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Company : XXXX  ( PayPal, Inc. ) Product : XXXX payment app / Peer-to-peer payment service Issue : Unauthorized electronic transfer Sub-issue : Account compromised/ Fraud investigation improperly denied Amount : {$2000.00} Date of transaction : XX/XX/year> I am filing a complaint regarding an unauthorized electronic funds transfer on my Venmo account in the amount of {$2000.00}. 

This payment was made without my knowledge or authorization. I did not initiate the transaction, do not recognize the recipient, and have never sent money to this individual or business previously. 

The funds were sent from my XXXX  balance to a Purchase Protection business account. I did not log in, approve, or benefit from this transaction, and I did not receive any notification or authorization prompt at the time it occurred.

I immediately reported this as fraud and account compromise to XXXX  over a phone call with support. XXXX  customer support assured me that they could tell my account must have been compromised and not to worry because the scammer did this under their business account which is payment protected meaning that they could reverse the funds. 
Days later I got an email from XXXX  denying my dispute, stating that the payment consistent with payment history, which is factually incorrect. I have never sent funds to this recipient before. I only send large amounts for my rent every month. XXXX  was created to be used to send payments, why should the fact that I have used Venmo before this incident mean that I authorized this fraudulent payment? I should not be punished for using it for the reason it was created. I did not authorize this specific payment, my account was compromised and I want my funds returned. I have no previous disputes or claims. 

I also mentioned to them that I am a flight attendant so I am constantly traveling meaning that I am more susceptible to scams and hacking than the average person. I did call them back for an appeal of the denied dispute. I gave them all of this information and I have yet to get any correspondence from them since then. No email or phone calls about my case being escalated. 

This was not a payment dispute or buyers remorse it was an unauthorized electronic transfer resulting from account compromise. Under the Electronic Fund Transfer Act ( Regulation E ), consumers are entitled to protection from unauthorized transfers when reported promptly.

Venmo failed to conduct a meaningful fraud investigation and improperly denied my claim despite clear indicators of unauthorized access. 

I am requesting that XXXX  reverse the unauthorized transaction, return the {$2000.00} to my account, and properly investigate the account compromise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
The merchant has denied refund processing and explicitly directed me to initiate a chargeback with my payment provider. Cash App is refusing to honor dispute protections despite merchant instruction and proof of return.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The late payment entries currently appearing on my credit report are inaccurate and do not accurately reflect my true payment history. I have submitted multiple requests for investigation and correction of these discrepancies ; however, no meaningful or corrective action has been taken. Despite providing all requested documentation and following up in good faith, these errors remain unresolved. 

The continued reporting of inaccurate information has caused substantial financial harm and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a consumer credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information that is inaccurate, misleading, or can not be verified. Your failure to address these inaccuracies after repeated notice constitutes a violation of my rights under federal law.

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 2025-12-23 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
am submitting this complaint regarding XXXX XXXX  for failure to conduct a reasonable reinvestigation under the Fair Credit Reporting Act. 

I disputed inaccurate and or unverifiable information reported by XXXX XXXX  with the consumer reporting agencies. XXXX XXXX  verified the account without resolving the disputed errors and without providing documentation supporting accuracy. 

The investigation did not correct the reported errors and appears to rely on automated confirmation rather than a substantive review of records related to liability, balance accuracy, and account status. 

This conduct violates the Fair Credit Reporting Act, including the following provisions. 

15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) Failure to conduct a reasonable investigation after receiving notice of a dispute.

15 U.S.C. 1681s-2 ( b ) ( 1 ) ( B ) Failure to review all relevant information provided by the consumer reporting agency.

15 U.S.C. 1681s-2 ( b ) ( 1 ) ( C ) Failure to report accurate and complete results of the investigation.

15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) Failure to correct or delete information found inaccurate or unverifiable.

15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ) Continued furnishing of inaccurate information after notice of dispute. 

XXXX XXXX  continues reporting the disputed account despite unresolved inaccuracies and lack of supporting evidence. This reporting has caused harm to my consumer reports. 

Requested resolution I request deletion of the disputed XXXX XXXX  account from all consumer credit reports due to failure to conduct a reasonable reinvestigation under the Fair Credit Reporting Act, with written confirmation once deletion occurs.

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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX, I deposited a settlement check resulting from a legal dispute at a Chase branch into an account I have maintained with the bank for more than 30 years. My account history reflects no negative banking activity, including no NSF events, no overdraft usage, and no history of low or unstable balances.

At the time of deposit, I was not informed of any funds availability hold or the duration of such hold prior to completing the transaction. Branch personnel required that the check be endorsed and the transaction completed, with a receipt printed, before disclosing that the deposited funds would be subject to an extended hold through XX/XX/XXXX. 

When I asked branch staff to explain the reason for the extended hold and why the hold duration could not be disclosed prior to completing the deposit, they were unable to provide an explanation. I was referred to a customer service phone number, where I was told only that the hold was bank policy. No specific risk factors, account-level considerations, or transaction-based rationale were provided. 

Critically, the inability or refusal to disclose funds availability terms before the transaction was finalized prevented me from making an informed decision regarding where to deposit the check. Had the hold duration been disclosed in advance, I would have deposited the check into another financial institution where immediate or faster availability was possible. 

This process raises significant concerns regarding compliance with the Expedited Funds Availability Act ( Regulation CC ), particularly with respect to transparency, timing of disclosures, and the consumers right to understand funds availability prior to completing a deposit. The post-transaction disclosure of a material termspecifically, the availability of deposited fundsundermines fair notice and creates inconsistent treatment without a clearly articulated, documented basis. 

I am requesting a written explanation detailing : The specific regulatory or policy basis for withholding funds availability information until after transaction completion The rationale for applying an extended hold given the accounts long tenure and risk profile How this process aligns with Regulation CC disclosure requirements and fair banking practices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: GA

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX - XX/XX/year> - The inquiry was not authorized. 
XXXX - XX/XX/year> - The inquiry was not authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: CA

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( XXXX ) that needs to be immediately DELETED. It is as follows : 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

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 2025-12-23 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: CA

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( XXXX ) that needs to be immediately DELETED. It is as follows : 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

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 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
When I woke up I noticed I had login attempts on my SoFi account around XXXX XXXXXXXX XXXX XXXX XXXX while I was sleeping. When I woke up I noticed that my account was compromised and transactions had been made that I had nothing to do with. I proceeded to call SoFi and alert them on what happened. Someone went into my account and stole {$6800.00} and transferred it out my account. Later on the transactions they made appeared in my SoFi account I later noticed them on this as well. Ive filed a police report and a identity theft report and Im still having trouble getting my money or even provisional credit until everything is done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I am submitting this complaint regarding Goldman Sachs Bank USAs handling of my Apple Card billing dispute. 

On XX/XX/year>, I received an email from a third-party auction website ( XXXX XXXX XXXX XXXX ) stating that I was the winning bidder for a parcel of land ( XXXX XXXX XXXX XXXXXXXX ) for {$7700.00} . The email stated that if payment was not completed by a deadline, YOUR SALE WILL BE CANCELLED. No penalties, fees, or forfeitures were disclosed in that communication. 

On XX/XX/year>, before making any payment or completing checkout, I contacted the merchant by email and phone to cancel the transaction. I explicitly stated that I could not proceed and that I did not agree to any fee. No goods, services, deed, title, or transfer of property were ever provided to me. 

Despite this cancellation, on XX/XX/year>, the merchant charged my Apple Card {$1000.00}. To justify this charge, the merchant generated a new winning bid entry for a different lot number ( {$1000.00} ) that I never bid on and that does not correspond to any actual property purchase. This charge was not disclosed at checkout, not authorized by me, and not tied to any delivered good or service. 

I disputed the {$1000.00} charge with Goldman Sachs Bank USA under the Fair Credit Billing Act and Regulation Z. During the dispute process, Goldman Sachs repeatedly stated that I agreed to the merchants terms and conditions at the time of purchase. However, no purchase ever occurred. I did not complete checkout, did not submit payment for the land, and did not receive any goods or services. The merchants own emails state that failure to pay results in cancellation, not a penalty. 

Goldman Sachs ultimately denied my dispute and reaffirmed the denial after a reinvestigation, relying on boilerplate language asserting that services were provided or that a purchase occurred. This finding is factually incorrect. There was no completed transaction, no delivery, and no service rendered. Goldman Sachs did not provide me with the merchants evidence, did not reconcile the inconsistency between cancellation and purchase, and did not address the fabricated lot number used to post the charge. 

I believe Goldman Sachs failed to properly investigate my billing error dispute as required by the Fair Credit Billing Act and Regulation Z by : Treating a cancelled transaction as a completed purchase Accepting merchant assertions without addressing contradictory evidence Failing to explain how a charge can be valid when no goods or services were delivered Issuing a conclusory denial without meaningful analysis of the facts presented I am requesting CFPB review of Goldman Sachs Bank USAs dispute handling, investigation process, and compliance with federal billing error protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The following items on my Equifax credit report are in dispute, as they do not accurately reflect my credit history. I request that these items be investigated for possible removal. 

Inquiries : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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:
THIS LATE PAYMENT IS AN ERROR AND MUST BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: CA

Complaint narrative:
Dear TransUnion, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/year>

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 2025-12-23 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: FL

Complaint narrative:
This entry is not mine and the information shown is inaccurate.

Company response to consumer: Closed with explanation