vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
I was deeply alarmed to discover that my credit report has been accessed and used without my knowledge or consent. Applications were submitted in my name, and inquiries were made by companies I have never interacted with or authorized. I neither recognize nor approved these fraudulent actions, and their presence on my credit report is an outright violation of my rights as a consumer. This situation is unacceptable and offensive, especially to someone who has always acted responsibly and within the law. I demand immediate investigation and removal of these unauthorized inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
I tried logging into my account at http : /experian.com/freeze, the portal says they do not recognize me, when I try to put in my credentials. Because that didnt work, I request to be identified another way, the portal states they will send me a code to my number ending in XXXX. However, I NEVER RECEIVED a text code to be identified. 

I called the numbers XXXX and XXXX. 

In both instances, a robot tells me what the purpose of the call is, and sends me in circles through their menu. According to the robot message, they only transfer you to a live agent in extreme cases. I went through the cycle of explaining to the AI operated phone multiple times, and didnt get anywhere. 

After going through the circles, they hung up on me. I need my credit report unfrozen and am left without a resolution with Experian

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 2025-04-14 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a credit account with Synchrony Bank for purchases from XXXX. I had canceled all of my subscription orders with XXXX several months before the order in question was sent. And, when XXXX still tried to ship it to me, I canceled those pending shipments XXXX times. XXXX acknowledged such each time. On the XXXX occasion, XXXX shipped it before notifying me. Once I received notification, I again contacted XXXX, and told them again that I did not want the order, and they instructed me how to return it. As soon as I received it, I took it to XXXX, as instructed and returned it. 

When the charge appeared on my account, I disputed with the Synchrony Bank, providing the order history, and that I had returned it to XXXX. And, after XXXX denied receiving it back, I provided to the bank a copy of my receipt from XXXX. The bank removed the charge. Now, XXXX has provided additional information on the order. It again is falsely claiming it did not receive the return but, ITS REPLY CLEARLY STATES THAT IT WAS DELIVERED BACK TO XXXX IN XXXXXXXX XXXX XXXX on XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX! 
Count, Date/Time, Description, Location

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
I noticed a collection account on my credit report for an apartment in Texas, where I've never lived before, because I've never lived in any state other than Nevada.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
I have contacted the company several times about the matter. I had lost XXXX XXXX XXXX XXXXt at the same time as my vehicle becoming un-driveable. They change what they tell me everytime I call. 
I followed their instructions ... there is still no application on the website for transfer of loan to a newer vehicle as collateral. 

I can not get XXXX XXXX  without a car ... I found a potential vehicle but now they are telling me that first I have to wait XXXX  months ( due to a recent forbearance for lack of XXXX XXXX ) before I can apply to transfer the loan. 

In the meantime, the vehicle is permanently garaged but they require me to keep full collision insurance. 

Regarding the loan itself, they told me that even though I pay XXXX extra monthly for ( XXXX different ) loan insurances ( gap, XXXX, etc ), Im " inelligible '' to use that now unless collecting XXXX  from the state. I have been grabbing whatever hours I can get to avoid XXXX. I made the forbeance payments. 

I called again to see if possible to transfer ( not borrow ) the existing loan to new vehicle..they hung up. There is nothing on the website as they said. 

They hung up on me several times now, call me demeaning names ( honey, sweetie ) when someone finally answers the phone, even when I informed them I find it offensive and condescending. They refuse to answer the phone. 
The worst people to deal with, it appears the insurances I originally signed up for were fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Need account ( s ) removed asap they are charged off and still should not be showing up

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 2025-04-14 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-14 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I started getting emails in XXXX on the XXXX about Capital One approving and opening a card in my name, then received an email this month of XXXX on the XXXX about the card being frozen after suspicious activity. Initially, I thought it was just scam emails, but this final email urged me to look into it. I contacted Capital One today, the XXXX of XXXX, and they confirmed that someone had opened an account using my social security number and personal information and that it had been frozen. They opened up an investigation and now I am trying to follow all of the recommended steps to protect my identity, credit, and money. I did not check my email often this year, so the emails flew under the radar. I didn't even read them when they came in because I assumed it was spam. I don't even know the card number or the account number since I never approved these to be opened. The Capital One employee who assisted me was able to find the fraudulent account using my name and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
UPON CHECKING MY CREDIT REPORT I NOTICED XXXX ACCOUNTS FROM LVNV FUNDING THAT I DIDN'T RECOGNIZE.UPON CALLING LNVN FUNDING THEY NOTIFIED ME THAT CREDIT ONE WAS THE ORIGINAL CREDITOR AND THAT THE BALANCE FOR ACCT # XXXX WAS XXXX & ACCT # XXXX WAS {$1100.00} WHICH I KNEW WAS INACCURATE.I CALLED XXXX XXXX XXXX  THE REPRESENTATIVE STATED THE BALNCE WAS {$600.00} FOR ACCT # ENDING XXXX & XXXX FOR ACCT ENDING IN XXXX REQUESTED A PAYMENT HISTORY AND A BILLING STATEMENT HISTORY AND WAS TOLD THEY COULDN'T SEND ME THAT INFORMATION.I REQUESTED TO SPEAK WITH A SUPERVISOR WHO ALSO STATES SHE COULDN'T SEND ME THE INFORMATION THAT I REQUESTED I ASKED TO SPEAK WITH HER SUPERVISOR AND AFTER BEING PUT ON HOLD FOR OVER XXXX MINUTES SHE ALSO STATED THAT THEY COULDN'T SEND ME THE INFORMATION.LNVN FUNDING HAS BEEN PLACING LATW PAYMENTS ON MY CREDIT REPORTS FOR OVER 2 YEARS WITHOUT MY KNOWLEDGE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX a XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Violations of 15 U.S.C. 1681 ( FCRA ) and FERPA To Whom It May Concern, I am writing to formally file a complaint regarding what I believe to be clear violations of both federal statutes under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681, and the Family Educational Rights and Privacy Act ( FERPA ).

Specifically, I have become aware that my sensitive personal and educational information has been improperly accessed, used, and/or disclosed without my consent. The following concerns are at the center of this complaint : 1. Violation of 15 U.S.C. 1681 ( FCRA ) : My consumer report information appears to have been accessed or shared without permissible purpose, in direct violation of the Fair Credit Reporting Act. 
I did not provide consent for such inquiries or disclosures, and I was not notified of these actions as required by law.

Inaccurate information may have been reported and/or used in decision-making processes affecting my creditworthiness, employment opportunities, or other vital matters, constituting a breach of my rights under the FCRA.

2. Violation of FERPA : My educational records, or personally identifiable information contained within them, appear to have been disclosed without my explicit written consent.

These unauthorized disclosures violate FERPA regulations, which mandate that such information remains confidential unless prior consent is provided or unless a specific exception applies. 
To date, I have not been provided with any satisfactory explanation or record of these disclosures, despite my request for full access and accounting of my education records as FERPA entitles me.

The mishandling of my personal, financial, and educational information has caused me significant distress and has potentially impacted my opportunities and reputation. I respectfully request that the responsible parties conduct a full and immediate investigation into these violations. I also request that I be provided with : A full accounting of any and all instances in which my records and personal data were accessed, shared, or used.

Remediation of any inaccurate or improperly disclosed information.

Assurance of compliance with federal law moving forward, including corrective action plans.

Please consider this letter a formal complaint. If necessary, I am prepared to escalate this matter to the appropriate regulatory authorities, including the U.S. Department of Education for FERPA violations and the Consumer Financial Protection Bureau ( CFPB ) for FCRA violations.

I appreciate your prompt attention to this serious matter and expect a written response within [ 15/30 ] days of receipt of this letter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: EQUITY LOANS LLC
State: CA

Complaint narrative:
During Closing XXXX XXXX & XXXX XXXX XXXX XXXX ) ( BIC ) tender Promissory Note ( PN ) to Equity Prime Mortgage, XXXX, ( EPM ), instead of EMP following Real Estate Procedure or acting in XXXX faith & clean hands in their fiduciary capacity converted BIC, PN into Negotiable Instrument and Pledged XXXX Collateral to XXXX XXXX XXXX  XXXX ( XXXX & XXXX XXXX XXXX XXXX XXXX see Title 12 Sec. 412 ; and simultaneously using Federal Reserve Operating Circular No. 10 Pledged Mortgage Loan as Collateral and open Deposit Account Control Agreement Account ( DACA ) with full disclosure to XXXX, also prior to closing XXXX transfer all Loan securities to XXXX XXXX XXXX XXXX XXXX without first, Deposit Cash into Cash Collateral Account ( CCA ) ; the lender must fully collateralized with 100 % CASH pursuant to Public Law 89-485, Sec 23 of the Federal Reserve Act, and Title 12 Sec. 84, once in place it provide flexibility to Lender 's depository institution to increase their pool of all pledged collateral to that Lender 's can borrow Federal Reserve Note ( FRN ) from Treasury discount window and payment system, and Breach Usufructuary Assign to United States Treasury XXXX XXXX now vested. See attached files

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
I was looking at my credit report and saw XXXX accounts that were not open by me.Please investigate this fraudulent accounts. 
XXXX  XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX 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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: OH

Complaint narrative:
XXXX XXXX has reported that my credit score has dropped due to removal of student loan. Contacted Nelnet, who stated loans are still in forbearance and not sure why credit bureaus are showing removed as these are currently still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one has hindered my life for quite a while now. Every time the fraudulent account is removed from my credit profile capital one somehow get the fraud account back now my report. I have expressed several times that I have no knowledge who this account belongs to. I am a victim and capital one is not treating me as such! The amount owed is {$11000.00} and I have disputed the account several times. It would come off then it gets added back. Capital one have some decency. It is not my fault that my personal information was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: OH

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 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: TX

Complaint narrative:
A number identifying themselves as TrueAccord contacted me regarding an undisclosed debt. I was prompted to click a link to settle the debt. I was provided no details about the debt, either what the debt was from or what the amount was. I believe this message to be fraud. I have been contacted multiple times from multiple phone numbers. I have confirmed that I have no outstanding medical or dental debt from my service providers. I have no outstanding medical insurance debt. I have no outstanding debt from loans- student, home, auto, or otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
In XX/XX/XXXX, the engine in my XXXX XXXX XXXX failed while I was living in XXXX XXXX, Florida. I later found out that my vehicle was covered under a national fuel pump recall ( XXXX Campaign Number : XXXX ), but when I took it to XXXX XXXX XXXX and other local dealerships, I was denied support. They claimed the recall parts werent available. 

I was left stranded multiple times with my young son, which created major safety issues. With no help from XXXX, I spent over {$5000.00} to replace the engine using a trusted friend since I couldnt afford a dealership repair. I have no official receipts due to that. 

In XX/XX/XXXX, XXXX XXXX locked me out of my online account and rerouted my calls to a limited-hours recovery team that never responded. I attempted to ask for payoff details and a resolution, but got no communication. The loan was then charged off and reported negatively on my credit, with a XXXX still in place. 

I had to purchase a new vehicle with a $ XXXX  monthly payment at XXXX XXXX XXXXXXXX, something I wouldnt have done if XXXX had helped fix the recall issue or let me resolve the loan. Ive suffered financial damage, credit loss, and emotional distressall while dealing with a vehicle that failed due to a known issue XXXX still wont repair. 

I believe XXXX has failed to properly address a known safety recall and has damaged my credit without giving me a way to resolve this. I respectfully ask the CFPB to intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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 these accounts and inquiries because they are fraudulent and unauthorized. I did not open these accounts nor did I apply for any credit that would justify these hard inquiries. This is a clear case of identity theft. I demand that these items be investigated and permanently removed from my credit report immediately.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., regarding the inaccuracies I have identified in my credit report.

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