vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally document and raise concerns regarding a series of data security incidents involving Navy Federal Credit Union ( NFCU ) between XXXX and XXXX, which may have placed my personal and financial information at risk. 

Background of Breaches XX/XX/XXXX : NFCU confirmed that a members personal data, including name and account number, was inadvertently exposed to another member. 
XXXX XXXX : Two former employees improperly accessed and shared personal information of members, prompting breach notifications. 
XXXX XXXX XXXX XXXX A former employee accessed member information and executed unauthorized transfers. Although funds were restored and accounts were reissued, this represented a serious insider misuse. 
XX/XX/XXXX : A XXXX GB backup database connected to NFCU was exposed online through a vendor system misconfiguration. Exposed data included usernames, emails, hashed credentials, and internal system logs. While no plain-text account numbers or Social Security numbers were confirmed, the exposure significantly increased phishing and social engineering risks. 

Concerns These incidents raise questions about Navy Federal Credit Unions data security practices, insider access controls, and vendor oversight. The repeated nature of these breaches suggests systemic issues that need regulatory review. 

Requested Action I respectfully request that your office : 1. Investigate Navy Federal Credit Unions handling of these incidents.

2. Assess whether NFCU met its obligations under applicable data protection and consumer protection laws.

3. Ensure that stronger safeguards are put in place to prevent further compromise of member data. 

Personal Impact As a member, these breaches have forced me to take additional measures to safeguard my identity and financial well-being, including credit monitoring, fraud alerts, and account security enhancements. The cumulative risk and repeated exposures have caused me significant concern.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Since filing bankruptcy and having it discharged on XX/XX/year>. I have been working to rebuild my credit by maintaining consistent employment. The continued presence of the bankruptcy record is disproportionately impacting my ability to secure fair credit opportunities.

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 2025-09-26 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: MT

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am submitting this formal complaint against Transunion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from DEPT OF D/XXXX  and XXXX  CARD. Despite having received all required documents, Transunion has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

DEPT OF DXXXX XXXX, XXXX CARD 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 2025-09-26 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: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 2025-09-26 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: VA

Complaint narrative:
I am submitting this complaint against XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) regarding their failure to properly implement my student loan discharge and their continued inaccurate credit reporting. 

On XXXX XX/XX/year>, I received official confirmation from the XXXXXXXX XXXX XXXX XXXX that my federal student loans were XXXX under the Public Service Loan Forgiveness ( PSLF ) program ( see attached documentation, FSA Feedback Case No. XXXX ). 

Despite this discharge : XXXX. XXXX continue to show my loans as active in their servicing records. 
XXXX. These loans are still being reported to the credit bureaus as outstanding with a balance, negatively impacting my credit profile. 
XXXX. I have contacted the servicer and provided documentation, but no corrections have been made. 

This constitutes : A violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate reporting of consumer credit information. 
A failure by the XXXX  XXXX XXXX contracted servicer ( XXXX ) to properly implement federal loan discharge obligations.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: HI

Complaint narrative:
Approximately on XX/XX/year> someone stating that they were from SOFI bank stated that someone was using my account to process transactions of {$1000.00}, XXXX and {$10000.00}. I also let my primary bank know so that the funds would not be processed. Yet, SOFI is still allowing transactions to be processed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX Equifax Information Services LLC ( XXXXXXXX XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 


UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing a complaint because my creditor XXXX XXXX XXXX  is reporting late payments on my account that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher but the late payments remain without proper validation or documentation under 15 USC 1681 S2A, furnitures must must report accurate information under 15 USC 1681-I the credit bureaus must perform a reasonable investigation within XXXX  days. neither of them have provided sufficient evidence to support the negative reporting.

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 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
XX/XX/XXXXXXXX  XXXX XXXX XXXX obtained default judgment due to improper service, I was not the recipient of summons and never received notification of subsequent garnishment. 
XX/XX/XXXXXXXX  My motion to the court to vacate was granted meaning the interest, the garnishment, and case was terminated. 
XXXX XX/XX/XXXXXXXX  I contact XXXX to set up arrangements to pay the {$3600.00}. XXXX said she had to contact Mariner to confirm that was acceptable. 
Late XX/XX/XXXX I call and leave voicemail at XXXX with nothing response. I called Mariner consumer affairs to explain what I was waiting on, they contacted legal to contact XXXX XX/XX/XXXX XXXX with XXXX calls and to state that Mariner accepted the agreement to pay {$400.00} on XX/XX/XXXX and XXXX on the XXXX of every month until the XXXX is paid with no discussion changed cost or fees ( I have a recording to verify ) I asked if it could be emailed to be and was told no it would be mailed. 
XX/XX/XXXX Document arrives in mail 5 days before payment is due " consent to judgements '' demanding I pay the vacated amount including 23.7 % interest backdated 15 months at the payment terms discussed. 
XX/XX/XXXX prior to the date of discussed and documented first payment something was processed through the court on a closed/terminated case with a vacated judgement. I was still not served this document. 
XX/XX/XXXX I logged into XXXX payment sote and made payment of {$400.00} There were also payment plan options available to choose from. I called and reiterated our verbal agreement to XXXX and was told that they would not negotiate. 
XX/XX/XXXX logged into XXXX site payments still available and options to create new plan as well with adjusted balance although also a different balance than listed anywhere else. 
XX/XX/XXXX logged in to make additional payment and balance says blocked and to call to make payment I have called, left a voicemail, called original creditor, and have been blocked from online payments, I have screenshoots, requests for call recordings, and have made every attempt to settle the pre judgement amount because had I been properly notified this never would have gotten to court in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding a misleading promotional offer for the Citi XXXX XXXX  credit card that I applied for through the XXXX XXXX website. 

While purchasing airline tickets directly on the XXXX XXXX website, I was presented with a promotion stating that if I applied for the Citi XXXX XXXX credit card, I would receive a {$200.00} statement credit toward the purchase of my airline ticket. Relying on this offer, I proceeded with the application. 

However, I was later informed that I would not receive the {$200.00} statement credit because I was not instantly approved at the time of purchase. This critical restriction was not clearly disclosed on the promotional page at the time of application. As a result, the offer was misleading, and I was denied a benefit that directly influenced my decision to apply for the card and purchase my airline ticket.

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 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding SYNCB/AMAZONs failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX  and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. SYNCB/AMAZON has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

SYNCB/AMAZON 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 monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/year>, I had a fraudster hack into my email and pose as one of my vendors ( XXXX XXXX XXXX ) who was requesting payment for an overdue invoice. The fraudster copied my vendors email identically and asked me to wire money from my wells fargo account to their citibank account. I wired {$200000.00} to their account. The morning after I wired the money, i realized it was a fraudster when I checked with my vendor if they received the money. I immediately had wells fargo submit a reversal request to citibank. XXXX XXXX to this date has not received a response from citibank. I had filed an IC3 report and a local police report. FBI contacted Citi and told me they asked Citi to freeze acct and research. The agent called me several days after the wire and said money was on the account. My local police dept contacted Citi Citi as well last week and confitmed money was still there but Citi is saying they dont have record XXXX XXXX reversal request from wells fargo. They found that the Citi account was in the name of XXXX XXXX, who does not even claim this account. The two banks are not communicating.

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