vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I opened my Navy Federal account in 2022, and the only deposits ever made into the account were from my employment. I have never deposited any checks myself, and I rarely even opened the Navy Federal mobile app. Around that time, I was going through serious medical and mental health challenges including anxiety, panic attacks, OCD, and depressive episodes and was in a vulnerable state. 

During this period, a person I trusted to care for me took advantage of my condition. I now believe she accessed my phone using XXXX XXXX while I was unconscious and gathered sensitive information ( such as my PIN and account credentials ), which I kept written in a missing mini journal inside my wallet. I believe she used this information to carry out unauthorized transactions, including a check deposit for approximately {$9000.00}, of which Navy Federal later held me responsible for about $ XXXX. 

I did not authorize this transaction. I was not physically able to go into any branch, and I rarely ever used the physical debit card I relied almost entirely on XXXX XXXX for all transactions. When Navy Federal asked if I had my card, I couldnt find it. Despite all of this, I was accused of initiating the deposit and entering the PIN myself, which is absolutely false and deeply upsetting. 

I submitted multiple appeals and even provided medical documentation supporting my condition at the time, but Navy Federal repeatedly denied my claim without fair consideration. Additionally, I struggled to reach their fraud department due to extremely long wait times, which added to the stress of the situation. As soon as I realized something was wrong and could not get through to Navy Federal, I changed my direct deposit and stopped using the account altogether. 

I believe I was failed by my financial institution during a time when I needed protection, not punishment. I have now been left with a damaging balance of over {$4000.00} for something I did not authorize and could not have prevented in my condition. This has hurt my credit, limited my ability to bank normally, and caused ongoing emotional and financial distress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
To Whom It May Concern : I am writing to formally dispute the following account ( XXXX ) listed on my credit report, which were opened fraudulently due to identity theft : XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX These fraudulent accounts have caused significant harm to my credit score. I have been notified that my personal information has been exposed in over a dozen company data breaches, including those involving Equifax, Experian, and TransUnion, which has led to this unauthorized use of my identity. Enclosed, please find my Identity Theft Aidavit from the Federal Trade Commission to substantiate my claim of identity theft.

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681c-2, you are required to block and remove any information resulting from identity theft, including the aforementioned accounts and all associated credit inquiries, from my credit file upon receipt of this aidavit. I demand an immediate investigation and the prompt removal of these accounts and inquiries, with expedited processing due to the substantial adverse impact on my credit score.

Please provide written confirmation within thirty ( 30 ) days that these fraudulent accounts and inquiries have been removed from my credit report, as mandated by the FDCPA and 15 U.S.C. 1681c-2. Failure to comply promptly may result in further legal action to enforce my rights under federal law. 
Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the following account ( XXXX ) listed on my credit report, which were opened fraudulently due to identity theft : XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX These fraudulent accounts have caused significant harm to my credit score. I have been notified that my personal information has been exposed in over a dozen company data breaches, including those involving Equifax, Experian, and TransUnion, which has led to this unauthorized use of my identity. Enclosed, please find my Identity Theft Aidavit from the Federal Trade Commission to substantiate my claim of identity theft.

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681c-2, you are required to block and remove any information resulting from identity theft, including the aforementioned accounts and all associated credit inquiries, from my credit file upon receipt of this aidavit. I demand an immediate investigation and the prompt removal of these accounts and inquiries, with expedited processing due to the substantial adverse impact on my credit score.

Please provide written confirmation within thirty ( 30 ) days that these fraudulent accounts and inquiries have been removed from my credit report, as mandated by the FDCPA and 15 U.S.C. 1681c-2. Failure to comply promptly may result in further legal action to enforce my rights under federal law. 
Thank you for your immediate attention to this matter.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Creditor Name : XXXX XXXX Balance : {$0.00} Condition : Closed Status : XXXX Days Late Date Closed : XX/XX/year> Account Number : XXXX XXXX XXXX ( XXXX XXXX ) : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXXXXXX : ( no incluiremos a menos que t lo autorices ) Documento de prueba : Annual Credit Report - XXXX.pdf Complaint reforzado ( en ingls ) : To Whom It May Concern : I am submitting this formal complaint against Synchrony Bank ( SYNCB/CARE CREDIT ) in relation to the inaccurate and unverifiable negative account being reported on my XXXX  credit file. 

Account Details : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Creditor : Synchrony Bank SYNCB/CARE CREDIT Account Number Ending : XXXX Balance : {$0.00} Status : Closed XXXX Days Late Date Closed : XX/XX/year> This account is being reported with severe delinquencies ( XXXX days late ) even though the balance is {$0.00} and the account is closed, which raises questions about the accuracy and compliance with the Fair Credit Reporting Act ( FCRA ). I have never received any detailed billing statements, notices of late payments, or documentation validating these derogatory marks. 

Furthermore, this tradeline is not being consistently reported across all bureaus, which indicates an inconsistency and data integrity issue. 

Under 15 USC 1692g ( b ) and 1681s-2 ( b ), I am requesting the following : 1. Full legal validation of this account, including : - Original signed contract - Full billing and payment history - Notice of late payments - Notice of closure 2. Immediate removal of this account from my credit file if such documentation can not be provided within the time allowed by law. 

XXXX. A XXXX XXXX Cease & DesisXXXX XXXX XXXX demand undeXXXX XXXX XXXX 15 USC 1692c ( c ) XXXX XXXX  to stop all further reporting and collection activity related to this account unless fully validated in writing. 

I request that this dispute be permanently recorded, this account removed if validation is not met, and that Synchrony Bank be marked as a repeat violator of credit reporting accuracy standards. 

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 2025-08-05 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:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 XXXXXXXX XXXX - XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-05 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: PA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable account on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). In XX/XX/year>, Equifax was fined {$15.00} XXXX for improper investigations and failure to comply with FCRA accuracy requirements. The CFPB concluded that superficial or automated procedures fail to meet the FCRAs reinvestigation standard. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed item without proof. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-05 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:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX * * * * Balance Owed : {$0.00} XXXX XXXXXXXX XXXX * * * * * * Balance Owed : {$70.00} XXXX XXXXXXXX XXXX XXXX  XXXX * * * * Balance Owed : {$0.00} XXXX XX/XX/XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2025-08-05 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:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law. Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. Legal Precedent : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 
XXXX XXXX XXXXXXXX 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 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
PayPal advertises the PayPal Debit Card which earns PayPal account holders 5 % cash back when the card is used. The Card draws funds from a PayPal Balance and credits cash back into the PayPal Balance. A PayPal Balance is therefore necessary for the use of the PayPal Debit Card. 

On PayPal 's website, PayPal advertises that users can " add to [ their ] PayPal balance anytime [ they ] want '' direct from debit card or bank. 

I opened a PayPal Balance and PayPal Debit Card around XX/XX/year>. I was able to fund my PayPal Balance with a bank-issued debit card up to XX/XX/year>. Thereafter, the PayPal mobile app and desktop website would report that " [ PayPal is ] having trouble with this transaction '' and to " try again with another debit card or bank account '' whenever I attempted to fund my PayPal Balance with the same bank debit card. After contacting customer support, PayPal would restore the ability to fund my PayPal Balance using the debit card once, but the subsequent transactions would then be blocked and necessitate another request with customer support.

The error error message is misleading. From conversations with customer support, it seems that an automatic block is preventing the adding of funds from a debit card, and that customer support themselves are unable to prevent the block from happening in the first place.

Effectively, I can not add to my PayPal Balance any time I want from my debit card, as advertised by PayPal, since customer service has to be involved on each and every occasion that I wish to add to the PayPal Balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Sent a letter offering a lawyer services to litigate supposedly just recently filed case against me, and then the second page was a fake document formatted to look like a complaint filed in court.

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 2025-08-05 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:
I am submitting this follow-up complaint as my third formal request to have fraudulent accounts and unauthorized inquiries removed from my credit report. These items are the result of identity theft, and I did not authorize or initiate any of the activity in question. 
According to FCRA 605B 15 U.S.C. 1681c-2, you are required to block information from a consumers credit file if it is a result of identity theft and the proper documentation has been submitted. I have previously provided these documents and am resubmitting them for your convenience. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief