vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Navy Federal ignoring Regulation E claim for undelivered merchandise XXXX shows no signature On XX/XX/year>, I made a purchase from XXXX XXXX XXXX XXXX that was never delivered. The XXXX tracking shows the item was marked delivered, but I never received it. XXXX has confirmed that no signature was captured despite a signature being required. 

I filed a dispute with Navy Federal Credit Union and provided all supporting documents : XXXX tracking, XXXX  claim denial, and the refusal from the merchant to resolve the matter. Navy Federal initially acknowledged the dispute, but has now ignored my secure messages, phone calls, and faxes.

I am being held liable for {$2500.00} and my account is now negative due to this unresolved issue. Navy Federal has failed to process this under 12 CFR 1005.11 ( Regulation E ) and is not providing a written denial or any path for resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
Someone falsely used my social security and identification cards to purchase and apartment in my name. I went and filed a police report and I contacted rent recovery solutions and they provided me with the community previous balance adjustment with all the charges. I also used a site call public records to look up who used my information and a person who had gained access to my personal information name show up in my public records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX. on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$4900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 explanation
Consumer complaint received 2025-07-25 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: MD

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-07-25 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Payment made XXXX was posted to wrong acct. 
Put in with XXXX and Santander to get XXXX  back. 
Per Santander chargeback sent. Bank rates not received. Neither will help beyond that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I ordered a couch from XXXX XXXX XXXX who was providing a promotion for XXXX interest for XXXX  months through Synchrony Bank. I signed up for the card and set my minimum monthly payment to cover the cost of the couch in equal increments over XXXX months. On the application ( which i was not aware of ) there was a " pre-checked ' box for " Card Security '' insurance that charges {$1.00} per {$100.00} of the balance on the card. continually increasing my balance over the life of the promotion, causing there to be a balance at the end of the promotion, and thus applying ALL the interest at the expiration of the promotion onto my card. I now have a $ XXXX balance on my card after paying off the principle of my balance. 

I would receive ONLY email updates that my auto payments were being paid but would not see the detail of what was being charged. Again, as a consumer taking advantage of a promotion, and setting up my payments according to the expectation that i was ONLY paying for the couch, i did not check on my account. 

This is a deceptive practice by nature and may even be illegal given it is negative option marketing, which requires inaction by me as a form of acknowledgement. In NO WAY would i ever sign up for additional fees on this promotion.

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 2025-07-25 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX XXXX  Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: MD

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} XXXX XXXX XXXXXXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX # XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : FINAL NOTICE Demand for Deletion of Unverified, Inaccurate, and Fraudulent Accounts with Signature Validation Request Pursuant to FCRA, FDCPA, and Identity Theft Protections To Whom It May Concern, This is my final written notice about multiple accounts that are being inaccurately and unlawfully reported on my Equifax credit file. Despite prior disputes, you continue to report derogatory, fraudulent, and unverifiable items which are seriously damaging my credit standing. 



I am formally invoking my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and identity theft protections under 15 U.S.C. 1681c-2, and demand that you : Delete all listed accounts unless you can produce original application contracts bearing my actual wet signature. Screenshots, PDFs, or billing summaries are not acceptable under law. 



FRAUDULENT COLLECTION ACCOUNT ( Unverified ) : XXXX XXXX XXXX {$1700.00} Opened XX/XX/XXXX Violations : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to properly reinvestigate disputed data 15 U.S.C. 1681e ( b ) Inaccurate information 15 U.S.C. 1692g ( b ) Debt not validated upon dispute 15 U.S.C. 1681c-2 ( a ) Failure to block identity theft items after FTC report LATE PAYMENTS & OVER-LIMIT ACCOUNTS ( Disputed, Repeated, or Fraud-Linked ) : XXXX {$1600.00} ( 141 % of {$1200.00} limit ) 47 % on-time XXXX XXXX {$1400.00} ( 146 % of {$1000.00} limit ) 63 % on-time XXXXXXXX XXXX {$0.00} balance 67 % on-time These accounts have multiple delinquent payments, high use above credit limits, and possible unauthorized use, making them eligible for deletion under : 15 U.S.C. 1681s-2 ( a ) Prohibits reporting of inaccurate or outdated info 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Requires deletion if unverifiable 15 U.S.C. 1681c-2 ( a ) Identity theft block ( FTC Report Attached ) ATTACHED : FTC Identity Theft Report Filed at identitytheft.gov Copy of government-issued Photo ID Recent Proof of Address ( utility bill, lease, etc. ) NOTICE OF CFPB ACTION AGAINST EQUIFAX : As the CFPB has already ruled in CFPB v. Equifax Inc., your organization has been found liable for repeated violations of federal law for failing to correct disputed and inaccurate consumer data. Your continued reporting in my case reflects similar willful noncompliance, subject to civil liability under : 15 U.S.C. 1681n Willful noncompliance 15 U.S.C. 1681o Negligent noncompliance 15 U.S.C. 1692k Damages under FDCPA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: AZ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$1400.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been a victim of fraud and identity theft and recently I have learned that my information was used to make transactions that are unauthorized. Not only that, they actually have registered different addresses under my name which I never gave consent and now, I can't even pull up my Experian account for that matter. I need to have my address updated the soonest possible time please so as to make sure all my information are protected.

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 2025-07-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Somebody close to me stole my phone, wallet, and was using my mobile banking app to complete fradulant activity on my account as if it was me. I immediately reported it to my bank they opened an investigation but I was still in the end at fault even though I had nothing to do with it I now am being denied to open any future bank accounts which is holding me back from being able to buy a home, apply for loans, or anything that has to do with my credit.

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 2025-07-25 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: GA

Complaint narrative:
Reporting Summary : Original Balance : {$1600.00} Charged-Off Amount : {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/XXXX SSN ( Last XXXX ) : XXXX Phone : ( XXXX XXXX XXXX Date : XX/XX/XXXX To : [ Experian / Equifax / TransUnion send individually ] [ Insert bureau mailing address ] Subject : LEGALLY BINDING DISPUTE Final 15-Day Notice for Deletion Account in Violation : XXXX XXXX XXXX ( XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal dispute and 15-day legally binding notice for the XXXX XXXX XXXX account currently being reported as a charge-off with an alleged balance of {$860.00} and a past due amount of {$460.00}.

Upon review, the account contains multiple legal violations and inaccurate reporting that require immediate deletion from my credit file. 



Violations : 1. FCRA 607 ( b ) Inaccurate & Misleading Reporting : The account is listed as charged off for {$860.00}, yet still shows a monthly past due status and the same {$860.00} balance, which is inconsistent, misleading, and double reporting a derogatory status. 
2. FCRA 611 ( a ) No Verification After Dispute : This account was previously disputed. More than 30 days have passed, and no proper validation has been provided. Under law, it must be deleted. 
3. IRS Violation Missing 1099-C : Since the amount was charged off, I should have received a Form 1099-C if the debt was forgiven. I have not received this, and the balance remains unvalidated.

Final Demand : I am requesting the following : Permanent deletion of the XXXX XXXX XXXX account from all credit bureaus Immediate cease of all past due and charge-off monthly updates Written confirmation of deletion within 15 days Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and the IRS, along with potential legal action for willful FCRA noncompliance ( FCRA 616 & 617 ). 

Sincerely, 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 2025-07-25 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:
Reporting Summary : Original Balance : {$1600.00} Charged-Off Amount : {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/XXXX SSN ( Last XXXX ) : XXXX Phone : ( XXXX XXXX XXXX Date : XX/XX/XXXX To : [ Experian / Equifax / TransUnion send individually ] [ Insert bureau mailing address ] Subject : LEGALLY BINDING DISPUTE Final 15-Day Notice for Deletion Account in Violation : XXXX XXXX XXXX ( XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal dispute and 15-day legally binding notice for the XXXX XXXX XXXX account currently being reported as a charge-off with an alleged balance of {$860.00} and a past due amount of {$460.00}.

Upon review, the account contains multiple legal violations and inaccurate reporting that require immediate deletion from my credit file. 



Violations : 1. FCRA 607 ( b ) Inaccurate & Misleading Reporting : The account is listed as charged off for {$860.00}, yet still shows a monthly past due status and the same {$860.00} balance, which is inconsistent, misleading, and double reporting a derogatory status. 
2. FCRA 611 ( a ) No Verification After Dispute : This account was previously disputed. More than 30 days have passed, and no proper validation has been provided. Under law, it must be deleted. 
3. IRS Violation Missing 1099-C : Since the amount was charged off, I should have received a Form 1099-C if the debt was forgiven. I have not received this, and the balance remains unvalidated.

Final Demand : I am requesting the following : Permanent deletion of the XXXX XXXX XXXX account from all credit bureaus Immediate cease of all past due and charge-off monthly updates Written confirmation of deletion within 15 days Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and the IRS, along with potential legal action for willful FCRA noncompliance ( FCRA 616 & 617 ). 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation