vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: IL

Complaint narrative:
I am formally requesting the deletion of these unauthorized accounts from my credit file. I did not initiate them, nor was I made aware of their inclusion. As per USC 1681g, I expect their removal within 15 days. Enclosed are the documents to support my claim

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 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.

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 2025-07-31 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: CA

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit report. I am a victim of identity theft, and there are multiple unauthorized accounts and inquiries listed that I did not initiate. These items are inaccurate and do not belong to me. 

Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and delete the fraudulent accounts and inquiries. Enclosed are a list of the disputed items and a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please investigate and remove these items as soon as possible. I also request written confirmation once the corrections are completed. 

Thank you for your prompt attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I was banking with Navy Federal and I sent a {$1000.00} XXXX payment to my boyfriend on XX/XX/year> from my XXXXXXXX XXXX XXXX  ( XXXX ) account to his business XXXX account. He sent me the money back on XX/XX/year> from his business XXXX account to my Navy Federal Account. I never received the money because the bank blocked me from receiving the money and had me close my account and withdraw my money from a nearby branch which was one hour a way from me because they stated that I was committing XXXX fraud and the security team flagged it but couldnt give me a clear answer after calling to get an explanation from XXXXXXXX I had to take off work lose out on a day of pay to close my account on XX/XX/year>. The day I closed my account they still didnt give me more information they told me the money was returned back to my boyfriends XXXX account. XXXX did an investigation and stated they did not see any funds being returned from Navy Federal to them. I know its two years later but I feel like this an unsolved mystery and they stole my money and kept it years later. I need some clear answers and my money back. I want the evidence in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Issues with financial aid services
Company: SLM CORPORATION
State: MO

Complaint narrative:
In XX/XX/year>, I applied for a {$14000.00} private student loan through Sallie Mae to attend the XXXX  XXXX XXXX  XXXX XXXX. I was informed that a co-signer was required for approval. However, my co-signer never completed their portion of the application ; Sallie Mae disbursed the funds anyway. This is a serious violation of protocol and makes the loan agreement invalid. No lender should ever release funds without a legally binding and fully completed co-signer agreement. 

I selected the Deferred Repayment plan, which Sallie Mae presents as a standard and reasonable option for students. I was told interest would accrue during school, but I was never informed that I would be expected to repay over {$53000.00} in total. Sallie Mae is attempting to collect {$53000.00} on a {$14000.00} loan. That includes {$38000.00} in finance charges ; this is more than 3.5 times the amount I borrowed. It is financially abusive and predatory. 

Before making a single payment, {$6400.00} in interest had already accrued while I am still in school. That interest is now scheduled to capitalize, inflating the principal and compounding the debt even further. I was never shown a repayment estimate or breakdown before signing. The true cost of the loan was hidden and never disclosed clearly. Sallie Mae buried essential information in fine print without verbal disclosure or visible warnings. That is not informed consent ; it is manipulation. 

Summary of what occurred : Loan amount : {$14000.00} Interest rate : 15.000 % fixed Accrued deferment interest : {$6400.00} Total repayment estimate : {$53000.00} Finance charges added : {$38000.00} Loan disbursed without completed co-signer authorization This is a clear-cut case of predatory lending, misrepresentation, and possible fraud. Sallie Mae misled me on repayment terms, failed to verify legal co-signer approval, and structured the loan in a way that inflates beyond reason. These actions warrant urgent investigation. I am asking the CFPB to review this case immediately and hold Sallie Mae accountable. Please see supportive evidence attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My personal and financial data was compromised as a result of a data breach. I request full removal of the incorrect names and addresses and unauthorized inquiries and accounts which have been closed and placed in collections GRAMM LEACH BLILEY 15 us code 6802 has been violated I have filed an FTC REPORT attached below I have hired legal counsel for this matter My identity was not thoroughly verified which put me at risk. Per the FCRA this is a violation of 15 usc 1681

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 2025-07-31 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:
My personal and financial data was compromised as a result of a data breach. I request full removal of the incorrect names and addresses and unauthorized inquiries and accounts which have been closed and placed in collections GRAMM LEACH BLILEY 15 us code 6802 has been violated I have filed an FTC REPORT attached below I have hired legal counsel for this matter My identity was not thoroughly verified which put me at risk. Per the FCRA this is a violation of 15 usc 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
Description of What Happened : I am formally disputing the accuracy and validity of several items appearing on my credit report. I am requesting, in accordance with 15 U.S.C. 1681i ( a ) ( 7 ), the method of verification used to confirm the accuracy of the listed accounts. I am also invoking my right under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) to receive a description of the reinvestigation procedures used, including the name, address, and telephone number of any furnisher of information contacted. 

Despite multiple disputes, the following accounts have not been verified properly and no supporting documentation has been provided. Under the legal doctrine of estoppel by silence ( Engelhardt v. Gravens, XXXX XXXX XXXX, XXXX ( Mo ) ), your failure to respond with valid proof constitutes an admission that no such debt exists. Therefore, these accounts must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( This account resulted from identity theft. I did not authorize it. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported without my consent, violating 15 U.S.C. 1681b ) What I Am Requesting : Immediate deletion of all disputed accounts listed above. 

A full description of the method of verification for each disputed item. 

The name, address, and phone number of each furnisher contacted during your investigation. 

Written confirmation of deletion or the specific documentation used to verify each account. 

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), any previously deleted items may not be reinserted into my report without proper notice. Any failure to comply may be considered willful noncompliance under 15 U.S.C. 1681n, which may result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: PA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
b'This complaint is submitted on behalf of XXXX XXXX and XXXX XXXX XXXX, who are both listed as parties to the vehicle finance contract currently under dispute.\n\n we are filing a formal complaint against GM Financial for unlawful billing activity, refusal to provide full accounting, and violation of commercial and consumer protections under UCC and federal law.\n\nOn XXXX XXXX XXXX we mailed a lawful Presentment, Demand for Full Accounting, and Notice of Dispute via USPS Certified Mail. GM Financial received this package on XXXX XXXX XXXX (Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. They were given XXXX  business days to respond by XXXX XXXX XXXX. As of today, no written response has been provided addressing the serious contractual, financial, and legal issues raised.\n\nDespite this active dispute, GM Financial has continued to call and email to demand payment, directly violating 15 U.S.C.  1692c(c) of the Fair Debt Collection Practices Act (FDCPA), which requires all collection activity to cease once a formal dispute is issued.\n\nFurthermore, they have:\n\nRefused to provide a full accounting of the transaction per UCC  9-210 (Request for Accounting in a secured transaction) and UCC  3-501(b)(2) (presentment and dishonor).\n\nFailed to disclose the conversion of the original contract into a negotiable security, violating Truth in Lending Act (TILA) and Consumer Financial Protection Act protections.\n\nContinued to attempt collection on a contract that is actively in rescission and dispute, ignoring legal due process and rights of the consumer.\n\nThis is an attempt to enforce a fraudulent and dishonored contract, while deliberately avoiding transparency, disclosure, and lawful response.\n\nWe demand the following:\n\n1. Immediate cease and desist of all collection activity.\n\n2. Full itemized accounting under UCC  9-210 including all payments, securities created, proceeds generated, and third-party beneficiaries.\n\n3. Formal acknowledgment of the dispute and rescission.\n\n4. No further threats of repossession, negative credit reporting, or harassment.\n\n5. Investigation and action by the CFPB.\n\nWe reserve the right to escalate this to the Federal Trade Commission, State Attorney General, and pursue bond/liability claims if GM Financial fails to comply.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) and 607 ( b ), I am exercising my right to request a full reinvestigation into this item, as I believe the information being reported may be inaccurate, incomplete, or unverifiable. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account below. Thank you. 
XXXX XXXX XXXX * * * * Balance Owed : {$8300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am filing a formal complaint against Portfolio Recovery Associates and XXXX, and I am requesting that the CFPB require immediate deletion of the reported collection account from all credit reporting agencies ( XXXX, XXXX, and XXXX  ) and that damages be considered for the financial and emotional harm caused. 

Portfolio Recovery Associates is reporting a collection account with a balance of {$2900.00}, allegedly opened on XX/XX/XXXX. I previously disputed this account through XXXX  in XX/XX/XXXX. Despite this, no debt validation was ever mailed to me, which violates FDCPA 809 ( 15 USC 1692g ). 

XXXX  has continued reporting this collection account with C ( collection ) marks from XX/XX/XXXX through XX/XX/XXXX, even though there has been no payment, no schedule, and no activity. This is deceptive and appears to be re-aging the debt in violation of FCRA 605 ( c ).

The payment hi
story and balance history are inaccurate. The terms listed are 1 Month, which is baseless, and the account was last updated in XX/XX/XXXX without any consumer action. This is false and misleading credit reporting under FCRA 1681s-2 ( a ). 

XXXX  added the comment : Account information disputed by consumer ( Meets requirement of the FCRA ) and Completed investigation of FCRA dispute consumer disagrees. 
This proves they acknowledged my dispute, but failed to remove unverifiable information, violating FCRA 611 ( 15 USC 1681i ). 

Additionally, the report includes invalid dates and no mention of proper reinvestigation efforts. I never received any communication, documentation, or legally required validation of the debt from Portfolio Recovery Associates. 

This account is inaccurate, unverifiable, and damaging to my credit profile. Due to this mishandling, I have suffered : Denial of credit and financing opportunities Higher interest rates Emotional distress Lost time disputing and defending my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-07-31 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: CA

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit report. I am a victim of identity theft, and there are multiple unauthorized accounts and inquiries listed that I did not initiate. These items are inaccurate and do not belong to me. 

Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and delete the fraudulent accounts and inquiries. Enclosed are a list of the disputed items and a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please investigate and remove these items as soon as possible. I also request written confirmation once the corrections are completed. 

Thank you for your prompt attention.

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 2025-07-31 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:
To Whom It May Concern, I am submitting this complaint because my credit report contains information that I believe is inaccurate and unverifiable. I previously submitted a dispute to [ Experian / TransUnion / Equifax ] about the following account : The credit bureau responded that the account was " verified, '' but they did not explain how it was verified or provide any proof. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) help me get answers to the following : 1. Who was contacted to verify the account?

2. What company or data furnisher provided the verification?

3. What documents were used to confirm the information?

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fair and reasonable investigation, and I believe the bureau has not fully met that obligation.

I have included copies of my ID, proof of address, and previous dispute communications to support this complaint. I am requesting a full investigation, and I would like this account removed if it can not be properly verified with evidence.

Thank you for your assistance.

Company response to consumer: Closed with explanation