vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 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: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/year>

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
All three credit bureaus have inaccurately reported student loan information without proof of an originally signed and verifieXXXX XXXX XXXX XXXX and they are failing to verify or delete this incorrect information which is a violation of FCRA. I even found XXXX different versions of my name that I have never used to identify myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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:
To Whom It May Concern, I am reporting that my personal and financial accounts were compromised through unauthorized access. As a result, fraudulent activity has occurred, which is now negatively impacting my credit profile.

Under 15 U.S. Code 1681 of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 45, which prohibits unfair or deceptive acts and practices, I am exercising my legal right to dispute inaccurate and fraudulent information on my credit report. I am requesting an immediate investigation into this matter. 

I am demanding the removal of all unauthorized inquiries, fraudulent accounts, and any resulting negative reporting associated with the identity theft I have experienced. 

In compliance with FTC identity theft procedures, I am submitting a formal identity theft report through IdentityTheft.gov, and I am in the process of filing a local police report to further support my claim. 

The following accounts are among those reporting fraudulent activity and missed payments that I did not authorize or initiate : XXXX XXXX XXXX XXXX 4 and 5 missed payments XXXX XXXX  6 missed payments XXXX XXXX 5 missed payments XXXX XXXX XXXX XXXX XXXX 5 missed payments XXXX XXXX 5 missed payments XXXX XXXX 5 missed payments XXXX XXXX XXXX XXXX 5 missed payments XXXX XXXX XXXX 4 missed payments XXXX XXXX 3 missed payments This activity constitutes a clear violation of federal law. I respectfully request that all necessary actions be taken to correct and protect my credit report from further harm. 

Thank you for your time and prompt attention to this urgent matter. 

Sincerely, [ 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 2025-05-04 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: LA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-04 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: MD

Complaint narrative:
My personal and financial information was compromised without my authorization. 

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. As of XXXX of XXXX a number of personnel unrelated to my student loans have been granted access to this information which is a clear violation of FERPA and your responsibility is to safeguard my information.

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 2025-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There was a credit card opened under my name at Kohls and Kohls sent a mail to my address asking to pay a balance of {$190.00} for a card ending in XXXX. I dont recognize this card and have never requested for a Kohls card, I currently dont own a Kohls/Capital one card. So this is clearly identity theft. Someone else misused my address and phone number to get a card issued from Kohls. I have reported the same with Kohls and they are investigating a fraudulent activity case on their end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: DE

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
I resolved the delinquency on my account on XX/XX/year>, and my balance was brought current. The agreement was to avoid a " past due '' notice on my credit report. The next day, on XX/XX/year>, the creditor reported my account as 30+ days past due to the credit bureaus. This feels retaliatory or negligent, and it is now impacting my home loan process unfairly. Im asking for an immediate review and correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: CT

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts on my report. I don't recognize the account number, account status, and I don't recognize the account balance. The unauthorized accounts and inquiries I'm referring to are included in my ftc report. I would like these accounts removed from my file as this does not meet FCRA and its 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 non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am filing this complaint against Discover Bank for inaccurately reporting a charge-off account on my credit report and for failing to notify me of the securitization of my account. 
XXXX XXXX XXXX XXXX The account in question was associated with my Discover Bank credit card. I have recently become aware that this account XXXX have been securitized through the Discover Bank XXXX XXXX XXXX or a similar financial vehicle. This process appears to have occurred without any notice to me, the account holder. 

My concerns are as follows : Discover Bank reported the account as charged-off while simultaneously transferring or securitizing the debt, possibly relinquishing ownership.

I was never notified that the account was being pooled or sold into a trust, which I believe violates federal consumer protection laws and may constitute deceptive or unfair practices.

The continued reporting of the charge-off may be inaccurate and misleading if Discover Bank no longer has ownership or legal standing regarding the account. 

Discover Bank has failed to respond with verification of the account status, ownership, or assignment when I requested documentation directly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment - XX/XX/year> I want you to know that I understand my financial obligations. I already had a purchase with the store, and I went to buy more, I requested at time that the two purchase be put together on automatic debit, but they didnt do it. I made mistake in falling behind, I believed in the process that already worked and did not monitor the account, but since then, When I realized what happened, I made the necessary updates. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment informed above. You can see my payment histories always flawless except that I never received any late letter or information, in accordance with the applicable laws below, I request the review and removal of the information, account settled.

Under 15 U.S.C. 1666b and 15 USC 1666

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint against TransUnion, Equifax, and Experian for violations of the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes and federal complaints, all three agencies continue to report inaccurate, outdated, and unverifiable information on my credit reports. This includes federal student loan accounts ( Dept of EducationXXXX ) misreported as 90 days past due, charged-off credit card accounts ( e.g., XXXX XXXX, XXXX, XXXX ) with unresolved or improperly verified disputes, and inconsistent derogatory reporting across bureaus. These violations fall under 15 U.S.C. 1681e ( b ), 1681i, 1681g, and have caused me financial harm and emotional distress. I request the CFPB investigate and require the bureaus to correct or delete all inaccurate data

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint against TransUnion, Equifax, and Experian for violations of the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes and federal complaints, all three agencies continue to report inaccurate, outdated, and unverifiable information on my credit reports. This includes federal student loan accounts ( Dept of EducationXXXX ) misreported as 90 days past due, charged-off credit card accounts ( e.g., XXXX XXXX, XXXX, XXXX ) with unresolved or improperly verified disputes, and inconsistent derogatory reporting across bureaus. These violations fall under 15 U.S.C. 1681e ( b ), 1681i, 1681g, and have caused me financial harm and emotional distress. I request the CFPB investigate and require the bureaus to correct or delete all inaccurate data

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
discovered a hard inquiry on my credit report from [ insert company name ] that I did not authorize. I have never applied for credit or given permission for this company to pull my credit. This inquiry was made without my knowledge or consent and is negatively affecting my credit score. I am requesting an investigation and the removal of this unauthorized inquiry from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: NY

Complaint narrative:
THERE ARE SEVERAL ACCOUNTS REPORTING ON MY CREDIT FILE THAT ARE NOT MINE I AM A VCTIM OF IDENTITY THEFT I AM CURRENTLY ON XXXX XXXX AND IT IS HARD FOR ME TO KEEP UP WITH THIS I REQUESTED A FRAUD ALERT, FREEZE AND XXXX XXXX ALERT AS WELL AS A THOROUGH INVESTIGATION AND REMOVAL OF THESE ACCOUNTS BUT THERE HAS BEEN NO RESULTS. 
THE FOLLOW ACCOUNTS BELOW ARE NOT MINE AND I AM REQUESTING REMOVAL OF THESE ACCOUNTS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: IL

Complaint narrative:
I have been receiving a ach deposit from my insurance company every week for the last two months. The XXXX XXXX  server proved the payment was sent XXXX XXXX to my account. I then called my bank navy federal and they stated they didnt receive to deposit. After more investigation fiserve was down which affected a lot of banks. Instead of navy federal letting the consumers know out of fear of being the reason for this glitch the representatives lied about not knowing anything about outrages. Approximately 2hrs after I spoke with navy federal the system then updated stated thaXXXX XXXX  was down and was causing issues and they will work hard to work with XXXX . After 2hrs XXXX was back up and my direct deposit is still has not been credited.so I called back once again and the representative was clueless and rude. And now Im five days behind on my bills and still no answer where my deposit is at

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In XX/XX/scrub> 2025, I noticed unauthorized changes to my credit report connected to an account listed under XXXXXXXX XXXX ( Account Number : XXXX ). Upon further investigation, I confirmed that these changes were made without my knowledge or consent, and they directly violate my rights under the Family Educational Rights and Privacy Act ( FERPA ), which protects the privacy of my educational records, as well as the Fair Credit Reporting Act ( FCRA ), which governs the accuracy and use of credit reporting data. 

I did not authorize any access to this account, nor did I provide consent for any third-party entity to make inquiries, changes, or updates to this account. The unauthorized use of my personally identifiable information ( PII ) began in XX/XX/year>2025, and the discrepancies became apparent to me in XXXX 2025. These actions are unlawful under both FERPA and FCRA, which protect against unauthorized access and misuse of personal and educational information. 

On XX/XX/year>2025, I formally requested documentation from XXXXXXXX XXXX regarding this account, including a record of all activities, access logs, and authorization details. To date, I have not received a complete or satisfactory response, which further compounds the violation. 

I am demanding an immediate and thorough investigation into this matter. I request that Account XXXX : XXXX be corrected to reflect Paid as Agreed or be completely removed from my credit file due to the breach of my educational and financial data. If these actions are not taken promptly, I will be forced to escalate this matter and seek legal recourse under 15 U.S. Code 1681n for willful noncompliance with the 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 explanation
Consumer complaint received 2025-05-04 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:
The following account is on my Experian Credit report, and I don't have any knowledge of this account and would like it to be removed. 

Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : 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 2025-05-04 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:
The following account is on my Experian Credit report, and I don't have any knowledge of this account and would like it to be removed. 

Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number : 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 2025-05-04 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:
The following account is on my Experian Credit report, and I don't have any knowledge of this account and would like it to be removed. 

Account name : XXXXXXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CarMax, Inc.
State: NC

Complaint narrative:
Reporting inaccurate information. XXXX XXXX XXXX XXXX XXXX 

I reported inaccurate information online, by mail, by calling all 4 above and I keep getting the run around.

First my name is listed incorrect Second they have an unknown phone number listed for my fraud alerts. 
Third I requested all old paid in full XXXX balance Closed accounts be removed/deleted. 
Fourth : There's a collection that isn't money reporting and I requested a courtesy deletion. I reached out to the collection agency and all credit bureaus. 

Last : XXXX XXXX of XXXX car delealerahip and Carmax of XXXX.... I applied as a co-signer for a family member for both of these dealerships one time each and they both unauthorized ran my credit together over 40 times for different lenders and it's reporting individually on my reports. When I called and asked each dealership they told me that in 30 days they will all combine as one and I should only see one inquiry which was a lie. 

These said things above are affecting me with getting a new home and upgrading my vehicle and I was even denied a second job in the banking industry due to these. 

Please help CFPB This is not my account. I have no knowledge of this account. 15 USC 1681b Requesting for prompt removal. Also, inaccurate information is being reported.

Company response to consumer: Closed with explanation