vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
The problem I am having is with Care Credit. XX/XX/scrub>y 2023 I had a XXXX, and signed up with care credit to pay it off. I was told that I would have to pay {$250.00} per month for however long the finance period was. Since I was told I had to pay {$250.00} a month, I enrolled into automatic payments via care credit. I was never told about the hidden deferred interest rate that would occur if it wasnt paid off. I only had about {$1000.00} left to pay off. Ive never missed a payment, I always pay my cards. I would have kept using this credit card for future medical expenses but since this hefty interest fee of almost {$5000.00} occurred in my account in XXXX, I am upset and will never use this card again. I would have paid the card off if I knew this was the situation. I was not told a bill of almost {$5000.00} would occur if it wasnt paid off, which by the way I thought it would be paid off in time with my automatic payments. For a charge this big, they should have sent me an email, a letter in the mail ( even if I am enrolled in paperless ). I tried to call care credit, and they all pretty much laughed at me. I spoke to two agents, and a manager. None were helpful and pretty much told me to XXXX myself. This is not right, as I would have done differently if I knew about these hidden terms and fees. I was not told about this fee when I signed up for the card. I am disappointed, and would like to take further action.

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 2025-07-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I sent {$53.00}, to the wrong person. The person have the same exact name as me. 
But it's not me. PayPal said they can't help and they can only email the person that got the money. I have been robbed. And they won't help. They say call the bank and the bank is saying to call PayPal and im going in circles i need help please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Hello, Since XXXX, I've had a dispute pending with Navy Federal Credit Union for a dirt bike totaling, {$1500.00}. One 's made countless attempts at trying to get the bank to understand, I NEVER received the merchandise. So, why am I still out of {$1500.00}? 
Moreover, the bank has issued a partial, temporary credit to my account. Meaning, they processed {$1400.00} pending the investigation but they may or, may not be able to recoup the remaining {$100.00}. Ironically, the temporary credit of {$1400.00} was used as Earnest Money, under a VA Mortgage Loan. Now, I'm under the impression NFCU has ambitions to keep my money. This is because they refuse to reimburse me for all the money I lost on a recent VA Loan ( earnest money, optional fee, appraisal fee, inspection fee, HOA questionnaire ). If possible, would you please help me recoup all my money from NFCU? 

XXXX Veteran, XXXX XXXX

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 2025-07-19 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: GA

Complaint narrative:
I am filing this complaint after discovering that my information I am not happy with this matter as it has damaged my reputation, personal credit report, personal information, etc. I reviewed my credit report and noticed the following fraudulent accounts that were not done by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
I applied for a credit card from Discover in XX/XX/year> but the account was never verified, activated, or used. I complied with the issuers verification request and submitted a notarized identity verification document using a valid XXXX  notary. However, the issuer rejected the notarization because it was not completed at a public location such as a bank or library. This is an unreasonable and unlawful requirement, as XXXX  law does not distinguish between notaries based on where they work all commissioned notaries are equally authorized by the state. 

XXXX XXXX XXXX XXXX XXXX  ) The Governor may appoint as many notaries public as he or she deems necessary, each of whom shall be at least XXXX years of age and a legal resident of this state. A notary public may perform notarial acts anywhere in this state. 

This baseless policy prevented me from activating the card, even though I followed their instructions. Despite this, the issuer reported the account as open. I am requesting full deletion of this account from my credit reports. 

As a result, I never received access to the account, never used the card, and no credit relationship was established. Despite this, the company reported the account as open to the credit bureaus. This is inaccurate and misleading, as the account was never usable or valid. 

I contacted the issuer to resolve the matter and requested that the account not be reported or that it be removed. I received no resolution. I am requesting that the CFPB assist in having this account deleted entirely from my credit reports due to inaccurate status reporting and failure to verify the account before reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX  XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
15 U.S.C. 7001 ( c ) ( ESIGN Act ) 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) 15 U.S.C. 1681a ( 2 ) ( xi ) ( Late Payments ) 15 U.S.C. 1681i ( Procedures for Disputed Accuracy ) 15 U.S.C. 1681s2 ( Furnishers Responsibilities to Consumer Reporting Agencies ) 15 U.S.C. 1681e ( b ) & 15 U.S.C. 1681i ( 5 ) ( a ) ( Accuracy Standards ) 15 U.S.C. 1681i ( 7 ) ( Verification Requirements ) The presence of the inaccuracy due to Equifax and XXXX  Data Breach, I will be seeking legal actions if this issue is not rectified under federal laws and removed. I have contacted Federal agencies to assist me with this matter. My consumer rights have been tarnished and violated. Equifax has reported the negative information on my credit file without my consent. I have never signed any applications permitting this agency to report such information. I have requested proof, including a signed application or contract along with my valid drivers license, but the reporting Furnishers has not provided documentation or their policies and procedures regarding the FCRA. This raises serious concerns about Equifax compliance with FCRA regulations, which require a permissible purpose for accessing and reporting consumer credit information. There is no legal admissible evidence to verify the accuracy. I am requesting the fraudulent items are removed : 1. Bankruptcy XXXX XXXX. XXXX XXXX. XXXX. Date Filed : XX/XX/XXXX XXXX. XXXX. Account XXXX. XXXX. Balance : {$0.00}. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX. Account XXXX. XXXX. Balance : {$0.00}. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX. Account XXXX. XXXX. Balance : {$0.00}. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX. Account XXXX. XXXX. Balance : {$0.00}. XXXX XXXX Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: AL

Complaint narrative:
account closed reporting open balance -credit central {$410.00} and XXXX ic system and credit collection - no contract with company

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 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Got a message on XXXX for work saying they would pay me to draw me didnt want it i said paint me with out pay he kept saying they had to all they needed was my name and email to send the check i did and before anything i walked to wells fargo my work is near and i asked if the check was real and not fake they said it was real i even have the recordings of me going to ask they said everything looked fine now the person kept messaging saying j never sent them the money they sent me and i showed them that i did and they kept saying things so again i went to wells Fargo right away they spotted it was a fake but i went the first time there they said it was real i also trusted wells fargo on this i asked whos signature was in the back of the check and they said its supposed to be mine i dont sign like that wells Fargo even has my signature on how i sign wells fargo also failed me

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 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My wallet was stolen with personal items like identification card and social security card. Someone opened up accounts online with it. I have a police report but still been having issues for removal of accounts.. 

XXXX XXXX XXXX XXXX {$6300.00} - XX/XX/year> Navy federal Credit Union. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

XXXX. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-07-19 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: LA

Complaint narrative:
I am formally requesting, under my rights granted by the Fair Credit Reporting Act ( FCRA 609 ( a ) ) and Uniform Commercial Code ( UCC 1-308 ), that you validate the accuracy, ownership, and reporting authority of the account you have listed on my credit report. 

You are hereby requested to provide : XXXX. A signed contract or agreement bearing my signature that proves this account legally belongs to me. 
XXXX. A full itemized breakdown of the alleged debt and the manner in which it was calculated. 
XXXX. The name and address of the original creditor, and documentation showing proper chain of custody/assignment if applicable. 

If you are unable to validate the debt with a signed contract or verifiable documentation, you are required by law to remove the account from my credit reports with all three major credit bureaus ( XXXX TransUnion, and XXXX XXXX  immediately. 

Please note that continuing to report unverifiable or inaccurate information violates the FCRA and may also be a violation of the FDCPA and other applicable laws. 

You have 30 days to respond from the date of receipt of this letter. Failure to do so will result in further complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. 

This letter serves as my official dispute and debt validation request. I reserve all rights under UCC 1-308 without prejudice.

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 2025-07-19 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am formally requesting, under my rights granted by the Fair Credit Reporting Act ( FCRA 609 ( a ) ) and Uniform Commercial Code ( UCC 1-308 ), that you validate the accuracy, ownership, and reporting authority of the account you have listed on my credit report. 

You are hereby requested to provide : XXXX. A signed contract or agreement bearing my signature that proves this account legally belongs to me. 
XXXX. A full itemized breakdown of the alleged debt and the manner in which it was calculated. 
XXXX. The name and address of the original creditor, and documentation showing proper chain of custody/assignment if applicable. 

If you are unable to validate the debt with a signed contract or verifiable documentation, you are required by law to remove the account from my credit reports with all three major credit bureaus ( Equifax, XXXX XXXX XXXX ) immediately. 

Please note that continuing to report unverifiable or inaccurate information violates the FCRA and may also be a violation of the FDCPA and other applicable laws. 

You have 30 days to respond from the date of receipt of this letter. Failure to do so will result in further complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. 

This letter serves as my official dispute and debt validation request. I reserve all rights under UCC 1-308 without prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: CO

Complaint narrative:
I am writing to formally dispute a false and unauthorized entry on my credit report related to Monterey Financial Services, XXXX, which claims to represent a transaction with XXXX XXXX  XXXX XXXX  XXXX. 
Account Details : Creditor : Monterey Financial Services, LLC Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> I was misled during a XXXX  call, after which I immediately requested cancellation within a few hours of the presentation. I have never used or accessed any services from XXXX XXXX  XXXXXXXX XXXX XXXXXXXX. Despite my prompt cancellation request, the company refused to acknowledge my request and proceeded with false billing. I did not provide my Social Security Number, nor did I knowingly authorize any line of credit or agreement for credit reporting. I believe this constitutes fraudulent and deceptive business practices, and this entry is a clear violation of the Fair Credit Reporting Act ( FCRA ). The company 's sales representatives gave me false and misleading information about the nature of the service and payment. I did not knowingly authorize or agree to any line of credit or financing with Monterey Financial Services or XXXX XXXX XXXX The digital agreement I signed was not identified as a credit/financing contract at the time of booking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Someone opened several credit cards in my name back in XXXX or XXXX. I had to contact each company to close the accounts and freeze my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
Can not afford payment plans have to maintain home continues to report to credit creditor is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
I have noticed several inaccuracies 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 explanation
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
I have noticed several inaccuracies on my credit report

Company response to consumer: Closed with non-monetary relief