vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Fraudulent accounts have been added to my credit report without my consent. I am not responsible for them and am demanding their removal. Under 15 U.S. Code 1681g, please delete them within 15 days. Supporting information is enclosed with this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: MOHELA
State: NY

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against MOHELA, XXXX XXXX  and XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

Complaint 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I would like an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. 

Sincerely,

Company response to consumer: Untimely response
Consumer complaint received 2025-06-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
Experian received my disputes along with full documentation, including proof of identity and evidence of identity theft. Despite this, Experian failed to correct or investigate the inaccurate accounts. They provided no meaningful response and continue reporting false information, in violation of 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 2025-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-06-23 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: EQUIFAX, INC.
State: AR

Complaint narrative:
Filing Notice : Notice of Fiduciary Status, UCC-1 Filing Reference, and Demand for Immediate Suppression of Unauthorized Reporting.

I have filed publicly to inform all third party agents that this file secures all property, assets, and legal interests associated with the estate and artificial legal entity XXXX XXXX XXXX, including but not limited to : the Birth Certificate, Social Security XXXX Account, and any property or credit accounts created or securitized under that name. 
XXXX. I have lawfully executed a Security Agreement and Copyright Assignment transferring all interest in the name XXXX XXXX XXXX into private XXXX control. 
4. I am asserting lawful control over the estate and requiring that no further entries, inquiries, or transactions be made on this consumer profile without my written fiduciary consent. 

I am also submitting this notice in writing with the full set of supporting affidavits and instruments. 

Notice of Fiduciary Status, XXXX Filing Reference, and Demand for Immediate Suppression of Unauthorized Reporting. 

I am placing a fraud alert due to unauthorized use and securitization of my legal name and estate. I am the Secured Party Creditor and Fiduciary over the estate known as XXXX XXXX XXXX. A XXXX Financing Statement has been filed under file number XXXX, securing the estate and all related assets into a private XXXX. 

I am concerned about unauthorized trade lines, identity conversion, and commercial activity conducted without my fiduciary consent. Please flag my file for immediate review and direct me to your Fraud and Identity Theft Department for further documentation and remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My identity was stolen and I wanted to place security freezes with the XXXX credit bureaus. I was able to do so with XXXX XXXX XXXX  ; however, I am facing issues with Experian. I am unable to log into my account because in order for me to log in I need the phone number registered to the account. I do not have that phone number anymore, therefore, I can not log in. I've called them a total of 8 times and spent hours on a phone and they're completely incapable/unwilling to help. I just want to log into my account to place a security freeze to protect myself after the identity theft, but I can not because of them.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$310.00}. 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : XX/XX/2025 Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe : Notice of Intent to Sue for Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It XXXX Concern, This letter serves as formal notice of my intent to pursue legal action against Equifax Information Services LLC for XXXX of the Fair Credit Reporting Act ( FCRA ) if the following matters are not fully resolved within XXXX calendar days from your receipt of this letter. 



I have submitted multiple disputes regarding XXXXXXXX XXXX XXXX XXXX  XXXX accounts inaccurately reported on my Equifax credit report. Despite my documented efforts and repeated requests, Equifax has : Continued to report these accounts as verified without providing the method of verification as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ; including a representative stating he can't issue me a method of verification for the XXXX XXXX account. Employee Id # XXXX Reinserted previously deleted accounts without proper written notice within XXXX business days, violating FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) ; Supervisor Soya stating EQUIFAx does NOT sent reinsertion letters out. which is a noncompliance to the FCRA Provided false and misleading information during recorded phone conversations, including a supervisor stating that Equifax does not send reinsertion letters a direct contradiction of the FCRA ; which I have in my possession Failed to meet its duty to ensure maximum possible accuracy under FCRA 607 ( b ).

These actions have caused me emotional distress, credit-related obstacles, and ongoing harm. I have documentation supporting these claims, including recordings of phone calls, dispute letters, and credit report snapshots.

To resolve this matter and avoid litigation, I am demanding : 1. Immediate deletion of the XXXXXXXX XXXX XXXX XXXX XXXXXXXX accounts from my Equifax credit report ; XXXX. A complete and verifiable written method of verification for each account in question ; XXXX. A written statement confirming compliance with the FCRA and detailing what corrective actions have been taken. 



If this issue is not resolved to my satisfaction within 15 days, I will initiate a lawsuit against Equifax Information Services LLC in XXXX XXXX XXXX XXXX XXXX for statutory, actual, and punitive damages as allowed under FCRA XXXX and XXXX. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: MD

Complaint narrative:
I am disputing a late payment that has been reported in error. I maintain consistent records of my financial transactions, and they confirm the payment was not delinquent. I ask that this issue be corrected immediately to ensure my credit report accurately reflects my payment behavior.

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 2025-06-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
credit acceptance sold my personal information to a third party debt collector threatened to sue me. after selling my information to the third party debt collector they have been phone harassing me threating me saying that they will get the debt that they have attached to my name. i have told them numerous of times the vehicle do not belongs to me and i di not give anyone any consent to use my information this is idenity theft.

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 2025-06-23 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: Credit Karma, LLC
State: IL

Complaint narrative:
Complaint : I am filing this complaint against Credit Karma for repeatedly accessing my credit file without my express authorization, resulting in multiple inquiries that have negatively affected my credit score.

Credit Karma has been pulling my credit report on a near-daily basis, without my consent for each instance. I did not initiate any credit monitoring service that allows for such frequent inquiries, nor did I authorize Credit Karma to continuously access my report in a way that causes potential harm. These hard or soft inquiries have caused a reduction in my credit score and violate the principles of reasonable, permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

Despite my repeated attempts to revoke or restrict their access to my credit report, Credit Karma continues to pull it without offering a way to opt out. I contacted their support channels to remove my account or authorization and cease further pulls, but no effective resolution has been provided.

Under the FCRA, a company may only access a consumers credit report when there is a permissible purpose, and even then, it must be reasonably related to a specific and lawful transaction or service. Daily inquiries that are neither consumer-initiated nor tied to a legitimate credit application do not constitute a valid permissible purpose.

I request that the CFPB investigate this matter, and I demand that : Credit Karma immediately stop pulling my credit report from any bureau without my specific consent ; All unauthorized or excessive inquiries be removed from my credit report ; An updated credit report be mailed to me reflecting these corrections ; Credit Karma provide a written statement confirming my data and file access have been revoked.

Their continued actions amount to willful disregard of consumer rights under the FCRA and potentially the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45, which prohibits unfair or deceptive acts in commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing you about the the Fraudulent use of my social security number due to the XXXX  XXXX breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 
XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

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 2025-06-24 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: NC

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

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 2025-06-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, I had a loan with Capital one for a car. The interest was very high. The loan was for about {$19000.00} with Capital One Auto Finance. The loan was opened on XXXX XXXX, XXXX. I paid the account in full. 

There were a few times when I asked for a payment extension. I was under the impression that that meant the payments weren't going to be late. 

I asked for detailed reports of when the payment extensions were made from the company. But they never sent them. 

I asked if the company would kindly stop reporting the payments - I sent a detailed letter twice asking based on directions from the representatives of the company. 

Even though the account has been paid in full and nearly XXXX dollars or more has been paid in full on the XXXX loan and I've sent XXXX letters asking them to stop reporting any late payments that were during an extension period, the company has not complied with my request. 

Please stop reporting the late payments. It is only fair. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I am submitting this complaint because Navy Federal Credit Union withdrew {$480.00} from my checking account on or around XX/XX/year>, despite the fact that the funds were a federal student aid refund issued to me for my XXXXXXXX XXXX XXXX XXXX  These funds are XXXX XXXX aid, protected under federal law ( XXXX CFR XXXX ), and were clearly labeled as financial aid in my account. 

Navy Federal applied the funds to a previously charged-off account that had already been assigned to a third-party collections agency ( XXXX XXXX ), which I had already sent a payment to. Despite this, Navy Federal accessed my checking account and took federal aid funds that are legally protected and intended only for XXXX XXXX  
I contacted Navy Federal and was told the XXXX was due to the charged-off balance, but I believe this violates Department of Education XXXX XXXX and possibly the Electronic Fund Transfer Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation