vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate and damaging information being reported on my credit file by XXXX XXXX XXXX ( XXXX XXXX ). 

During the XXXX pandemic, I voluntarily surrendered my vehicle to XXXX  XXXX  XXXX after speaking with a representative who assured me that as long as the vehicle could be resold, I would not be held financially responsible for any remaining balance or fees. Based on this verbal agreement and the financial hardship I was facing at the time, I complied and turned in the vehicle in good faith. 

However, more than XXXX years later, XXXX continues to report an outstanding balance of approximately {$9600.00} as a monthly car note payment, which is inaccurate and misleading. This entry appears as a recurring negative account and has severely impacted my ability to obtain reliable transportation, secure housing, and live a stable life. 

This ongoing reporting does not reflect the agreement made at the time of surrender and is an inaccurate representation of my financial behavior. It is unfair, outdated, and deceptive, and I am formally requesting that it be removed or corrected from my credit report under the Fair Credit Reporting Act ( XXXX  ). 
They sent a letter stating I owe, but they sold the truck. The letter they sent versus what is being reported is different. I would like this remove. I asked for a letter on what they were charging me for if the vehicle was sold and they never responded.

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 2025-07-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA
State: FL

Complaint narrative:
I am disputing student loans known to be serviced by AES, guaranteed by XXXX, and owned by XXXX, that were taken out without my knowledge or authorization. These loans may contain forged signatures and were incorrectly classified as FFELP  loans. The lenders have failed to produce documentation proving I applied for these loans. While they have sent copies of the promissory notes, they werent the original promissory notes. That said, the signatures seen on those copies sent, do not match my handwriting, and I have made it also known ever since 2017, when first learned of their existence, that Ive never agreed to non Department of Education, Direct Federal Student Loans. Those signatures I have reviewed appear inconsistent, forged, or otherwise non-authentic. I also made it explicitly clear to my schools financial aid office during enrollment that I only wished to receive Department of Education Direct Loans not FFELP loans or privately-backed student loans. These errors have harmed my credit, denied me access to federal repayment and forgiveness programs, and violated consumer protections. I request immediate investigation and correction, including full loan discharge if validation can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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:
Subject : Identity Theft, Personal Information Errors, and Inaction by Credit Bureaus Complaint Summary : I am submitting this complaint to report a serious and ongoing issue involving inaccurate and outdated personal information on my credit reports, failure to correct disputed items, and signs of potential identity theft. Despite multiple requests submitted to TransUnion, Experian, Equifax, and XXXX, the credit bureaus have failed to correct or remove erroneous personal data and to adequately respond to identity theft concerns. 

Details of the Issue : Outdated and Incorrect Personal Information : Credit bureaus continue to report multiple outdated addresses, incorrect variations of my legal name, and employer information that is either incorrect or no longer applicable. 

I have no access to many of the listed addresses and have formally requested their deletion due to suspected identity theft and fraud. 

Inconsistent Reporting Across Bureaus : Discrepancies were found in : Account numbers reported differently by each bureau. 

Payment statuses that conflict between reports. 

Differing employer histories and residential addresses. 

These inconsistencies suggest potential fraudulent activity or negligent handling of my data. 

Failure to Properly Investigate and Respond : I submitted formal disputes and identity theft documentation ( including an FTC Identity Theft Report and police report ) requesting removal of fraudulent data. 

The credit bureaus failed to : Block the disputed accounts per FCRA Section 605B.

Provide the method of verification for the disputed entries.

Update or remove inaccurate personal information.

Impact of Previous Data Breaches : I was affected by major data breaches, including : Equifax ( XXXX ) XXXX ( XXXX ) Experian ( XXXX ) These breaches likely contributed to the misuse of my personal data and the creation of fraudulent accounts in my name. 

Legal Violations Cited : FCRA 1681i ( a ) ( XXXX ) : Failure to provide method of verification. 

FCRA 1681c-2 : Failure to block fraudulent information.

FCRA 1681b ( g ) : Inadequate data protection.

FCRA 1681s-2 : Inaccurate reporting by furnishers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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:
After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately. 
Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX COLLECTIONS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PUBLIC RECORDS : XXXX XXXX XXXX  FL XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-07-06 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: FL

Complaint narrative:
After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately. 
Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX COLLECTIONS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PUBLIC RECORDS : XXXX XXXX XXXX  FL XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-07-06 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: FL

Complaint narrative:
This credit dispute is being submitted as a new evidence dispute. The accounts that are being XXXX XXXX XXXX XXXXXXXX ) disputed do not belong to me. The below is my sworn statement concerning these credit issues. 
It is my sworn statement that, I declare under penalty of perjury ( " under the laws of the United States, '' if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated

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 2025-07-06 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:
This credit dispute is being submitted as a new evidence dispute. The accounts that are being XXXX XXXX XXXX XXXXXXXX ) disputed do not belong to me. The below is my sworn statement concerning these credit issues. 
It is my sworn statement that, I declare under penalty of perjury ( " under the laws of the United States, '' if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Identity Theft Dispute Fraudulent Accounts and Breach-Related Data Exposure FTC Report XXXX : XXXX To Whom It May Concern, I am writing to formally dispute and demand the permanent deletion of fraudulent accounts and inquiries on my credit reports as a result of verified identity theft, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( Section 605B ), and other applicable federal statutes. 

According to the identity theft report I filed with the Federal Trade Commission ( FTC Report # XXXX ), my personal information was fraudulently used to open accounts with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts were never authorized by me and must be permanently removed from all reports. 

My identity was compromised due to multiple significant data breaches, including : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Exposure ( XXXX ) These breaches have collectively and severely increased my risk and ultimately led to this fraudulent activity. The inclusion of this harmful, inaccurate data violates my rights under : FCRA 605B ( 15 U.S.C. 1681c-2 ) You are required to block information resulting from identity theft within 4 business days of receiving valid proof.

FCRA 1681e ( b ) You are required to maintain maximum possible accuracy.

FCRA 1681n and 1681o You may be held liable for willful or negligent noncompliance.

Gramm-Leach-Bliley Act & Data Protection Responsibilities Given the history of these breaches, continued reporting of this fraudulent data shows a lack of due diligence and consumer protection.

I demand the following : 1. Immediate deletion of all fraudulent accounts listed above. 
XXXX. Removal of any associated hard inquiries tied to the unauthorized accounts ( e.g., XXXX XXXX ). 
XXXX. Cease and desist from reporting or re-reporting this data to any third party. 
4. A full reinvestigation and written confirmation of the results within 30 days, as required under 15 U.S.C. 1681i.

Please find enclosed : A copy of my FTC Identity Theft Report Proof of identity and address ( if required ) Failure to comply may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Ohio Attorney Generals Office, and potential legal action for damages. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: SC

Complaint narrative:
I have submitted several disputes and the information has not been removed,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I reviewed my credit report and noticed fraudulent inquiries, please remove the inquiry as it is affecting, my ability to get credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
My friend sent me money for a trip. I tried to use the atm to withdrawal it declined it. Tried to transfer... declined. purchases declined, send to friend... declined. They said it was internal security flagging it and they couldn't do a thing to help. Meanwhile Someone hacked it and took XXXX, but I couldn't even access my own money. They canceled my card and sent new one, but the new virtual card they gave me declines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: TX

Complaint narrative:
Filed an Identity Theft Report with the FTC. 

Submitted a report at XXXX and received an official Identity Theft Report. 

Filed a Police Report. 

Reported the identity theft to local law enforcement and obtained a case/report number. 

Submitted an Affidavit of Identity Theft to Discover. 

Completed and sent Discover any required affidavits or fraud dispute forms. 

Provided Proof of Identity to Discover. 

Sent copies of government-issued ID, Social Security card XXXX and proof of residence to verify your identity.

Placed a Fraud Alert on Credit Reports. 

Contacted XXXX of the major credit bureaus ( Experian, Equifax, or TransUnion ) to place a XXXX fraud alert. 

Requested a Credit Freeze.

Temporarily froze your credit reports to prevent further unauthorized accounts. 

Disputed Fraudulent Account with Credit Bureaus. 

Contacted all three credit bureaus to formally dispute the Discover account and submitted supporting documentation.

Spoke with Discovers Fraud Department.

Called Discover to initiate an investigation and report that the account was opened without your consent.

Saved All Correspondence and Records. 

Kept copies of all letters, emails, confirmation numbers, and documentation submitted for future reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MD

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau regarding the actions of LexisNexis Risk Solutions, a XXXX XXXX XXXX  that provides public record information to credit reporting agencies including XXXX XXXX XXXX XXXX 
I have discovered that LexisNexis may  be furnishing XXXX  data to the credit XXXX, even though the XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX XXXX ) has explicitly confirmed that it does not report XXXX filings directly to any credit reporting agency. 
This practice raises serious concerns under the Fair Credit Reporting Act ( FCRA ), particularly XXXX XXXX. XXXX ( b ), which requires all furnishers of consumer information to follow reasonable procedures to assure maximum possible accuracy. 
LexisNexis is not exempt from these obligations and should be held to the same standard as the credit bureaus regarding permissible purpose, consumer dispute rights, and data accuracy. 
Furthermore, consumers are often unaware that LexisNexis plays a role in providing this data. The lack of transparency combined with the damaging consequences of inaccurate reporting can result in the denial of credit, loss of employment opportunities, and damage to security clearancean issue I am currently facing. 
Additional Legal Context : In 2015, LexisNexis was fined by the XXXX XXXX XXXX XXXX for improperly handling tenant screening reports under the FCRA. 
Numerous complaints have been filed with the FTC and CFPB citing LexisNexis for failing to reinvestigate disputes and for inaccurate public record reporting. 
Their relationship with government and court data feeds should not exempt them from FCRA obligations regarding verification, accuracy, and consumer notification.

Company response to consumer: Closed with explanation