vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 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: KS

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX Date : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, PA XXXX Subject : Dispute of Fraudulent Information Under 15 U.S. Code 1681c-2 ( Identity Theft ) To Whom It May Concern, I am writing to formally dispute and request the immediate blocking of fraudulent information on my credit report in accordance with 15 U.S. Code 1681c-2, which provides protections for victims of identity theft.

I am a victim of identity theft, and certain items on my credit report do not relate to any accounts I have opened or authorized. In accordance with federal law, I am requesting that XXXX  block the reporting and future furnishing of this information. Below is a list of the fraudulent items that must be removed : Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Enclosed are the required documents to support my dispute, as required under 15 USC 1681c-2 : 1.A copy of my government-issued photo ID 2.A police report or identity theft report ( as defined under 15 USC 1681a ( q ) ) 4.A statement explaining that the information listed above resulted from identity theft Under 15 USC 1681c-2, you are legally obligated to block this information within 4 business days of receiving my request and documentation. Please confirm in writing that the requested accounts have been removed and will not be reinserted into my credit file. 

Thank you for your prompt attention to this matter. Please send all future correspondence related to this dispute to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA XXXX and XXXX for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-06-29 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
this card is showing late payments on my report, and I have not permitted this to be on my report. I have sent letters about this, and no response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My personal information was exposed to XXXX XXXX data breach and mt identity was stolen and i do not recognize these accounts listed on the identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: SC

Complaint narrative:
My personal information was exposed to XXXX XXXX data breach and mt identity was stolen and i do not recognize these accounts listed on the identity theft 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 non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
The contractor who sold us the contract did not mention that the rate would double. We were told that we would be on a fixed rate of about {$280.00} per month. After about one year the rate went up over {$500.00} and our electric bill was never under {$65.00} which should have been {$0.00} on some months. The service was very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
In XXXX, several COVID-19 rental relief checks issued in my name ( In excess of {$10000.00} ) were intercepted by my tenant and fraudulently deposited via Navy Federals mobile deposit system. These were significant transactions, yet no red flags or ID verification were triggered despite the forged endorsements and the checks being payable to me and the tenant being non military affiliated. 
The signature on these checks was clearly unlike my own, and Navy Federal failed to conduct any verification or due diligence before processing the deposits.These checks were not ordinary paymentsthey were critical to my livelihood and meant to cover past-due rent from the tenant who ultimately committed the fraud. 
Their theft led to severe financial hardship. Despite notifying Navy Federal of the fraud, the institution refused to assist or provide any temporary credit. Instead, I was told the fault lay with the endorsing bank, not Navy Federal.

It took over a year to recover the funds from the paying bank on my own. However, by then, I was severely behind on my mortgage, forced to sell my home at a steep loss to avoid foreclosure, and compelled to leave behind valuable household items, including a refrigerator, washer and dryer, bedroom set, and patio furniture.

The stress from this ordeal was so severe that I was hospitalized in a mental health institution for nearly a month. The emotional and financial impact of Navy Federals negligence has been catastrophic.

To my knowledge, the tenant who committed the forgery continues to bank with Navy Federal and has not faced any civil or criminal consequences. This inaction reflects a disturbing disregard for fraud committed within the institution and further supports my claims of negligence and failure to protect its members. I have reached out seeking arbitration on XXXX XXXX, I also sent a follow up message XXXX XXXX. I have not received a substantive response despite being promised one. 


Violations of the Uniform Commercial Code ( UCC ), including : - UCC 3-401 : A forged signature is not effective as an endorsement. Navy Federal accepted forged items without verifying their authenticity.

- UCC 3-406 : A party who fails to exercise ordinary care in accepting a check may be liable for resulting losses.

- UCC 4-401 : A bank may only charge a customers account for properly payable items.

These items were not properly payable due to the forgery.

- UCC 4-202 and 4-205 : Collecting banks must exercise ordinary care in presenting and transferring items. Navy Federal failed in this duty.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: MS

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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 recently reviewed a coppy of my credit report and notice I had inquiry that I don't reconosco. 

XXXX : XXXX XXXX : XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: OK

Complaint narrative:
I am a XXXX XXXX permanently XXXX veteran and was approved for Total and Permanent XXXX ( TPD ) discharge of my federal student loans over [ X months ] ago. The loans were serviced by MOHELA. 

Despite my loan showing a {$0.00} balance on both XXXX and the MOHELA XXXX, the loans still appear as active and unpaid on my credit reports ( Equifax, TransUnion, Experian ). This has severely impacted my credit and caused unnecessary stress. 

I submitted my XXXX documentation and was informed that the loans were successfully XXXX, but MOHELA has not reported this to the credit bureaus. 

I have attempted to dispute the tradeline with the credit bureaus, but MOHELA continues to verify the incorrect information. I have also been unable to reach MOHELA by phone or receive assistance via mail. 

I am requesting that the CFPB assist in having MOHELA update all credit reporting agencies to reflect a {$0.00} balance and a XXXX status, in compliance with my approved XXXX discharge and the Fair Credit Reporting Act.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MP

Complaint narrative:
XXXX XXXX found on credit report ( transunion )

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I am formally disputing a hard inquiry reported on my credit report from Barclays Bank Delaware, which I did not authorize, initiate, or consent to. I have no current or past credit relationship with Barclays Bank Delaware, and I have not applied for credit, loans, or services that would lawfully permit them to access my consumer report. 

Details of the Unauthorized Inquiry Company Name : Barclays Bank Delaware Inquiry Type : Hard Inquiry Inquiry Date : XX/XX/year> Account or Reference Number ( if any ) : N/A no credit account exists Violations and Applicable Laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( f ) It is unlawful for any person or entity to obtain a consumer report unless they have a permissible purpose and prior authorization from the consumer. Barclays Bank Delawares inquiry violates this statute if no such permission was granted. 

FCRA, 15 U.S.C. 1681b ( a ) ( 3 ) Permissible purposes are limited and include : A credit transaction initiated by the consumer Employment purposes ( with written consent ) Court orders or subpoenas None of these apply in this case. I did not authorize any credit inquiry or application.

FCRA, 15 U.S.C. 1681n and 1681o These sections provide for civil liability for willful or negligent noncompliance with the FCRA. If Barclays Bank Delaware knowingly obtained my report without permission, they are liable for damages, attorneys fees, and punitive damages.

Federal Trade Commission ( FTC ) Guidance The FTC has clarified that pulling a credit report without a legitimate business need or consumer consent is considered an invasion of privacy and may constitute fraudulent activity.

My Demands : Immediate removal of any and all hard inquiries from Barclays Bank Delaware from all three credit bureaus ( XXXX XXXX XXXX XXXX  ). 
A written investigation summary explaining how this inquiry was verified and why it was allowed to be reported. 
Confirmation of deletion and correction of my consumer credit file under FCRA 1681i. 
If this unauthorized inquiry is not promptly removed from my credit file, I will take the following actions : File additional complaints with the Federal Trade Commission ( FTC ), State Attorney General, and XXXX XXXX XXXX 
Retain legal counsel to seek compensation for violations under FCRA, including damages for emotional distress, lost credit opportunities, and legal fees. 
I expect this matter to be fully investigated and resolved within the 30-day window required by federal law.

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 2025-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Byrider Franchising, LLC
State: PA

Complaint narrative:
They sold my loan to a XXXX party without my permission. I asking for a 1099c.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: DISCOVER BANK
State: KS

Complaint narrative:
The person calling saying they are from discover asking for my sibling. They call XXXX a day my sibling has a discover card I do not know why they are calling my number. They give a number for discover and the discover website the number that calls is XXXX. I have XXXX the number its a scam. I do not have a discover card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
ANY ADVICE ABOUT CHASE BANK REFUSING/ TAKING FOREVER TO SEND FUNDS BACK THE MERCHANT. ESPECIALLY WHEN BOTH CREDITS OF {$490.00} WERE SUPPOSED TO BE CREDITED TO THE XXXX XXXX  TOGETHER AT EXACT SAME TIME/ DAY. SO I AVOID BEING EVICTED. BECAUSE I CAN'T FINANCIALLY AFFORD TO GET EVICTED. I CALLED/ MESSAGED CHASE CLAIM DEPARTMENT MORE THAN ONCE. SINCE XX/XX/XXXX AND THE XXXX AS WELL THROUGHOUT THIS MONTH OF XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
According to 15 USC 1681c-2, I have the right to dispute inaccurate and unverifiable information that's on my credit report. I have disputed multiple times with credit bureaus, and it's still coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested, even with my other complaint ; they never sent verification of debt, the ORIGINAL Contract bearing my signature, and an explanation of the amount and how it was calculated.

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 2025-06-29 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: TX

Complaint narrative:
According to 15 USC 1681c-2, I have the right to dispute inaccurate and unverifiable information that's on my credit report. I have disputed multiple times with credit bureaus, and it's still coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested, even with my other complaint ; they never sent verification of debt, the ORIGINAL Contract bearing my signature, and an explanation of the amount and how it was calculated.

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 2025-06-29 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: TX

Complaint narrative:
According to 15 USC 1681c-2, I have the right to dispute inaccurate and unverifiable information that's on my credit report. I have disputed multiple times with credit bureaus, and it's still coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested, even with my other complaint ; they never sent verification of debt, the ORIGINAL Contract bearing my signature, and an explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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:
XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX XXXX XXXX XX/XX/year> Dispute and Demand for Deletion under 15 USC 1681e ( b ), 15 USC 1681b, and 15 USC 1681s-2 Charge-Off Reporting Dear Experian Dispute Department, I am writing to formally dispute the accuracy and legality of a charge-off currently being reported on my Experian credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ).

The account in question is : Creditor : Sezzle Account Number : n/a Reported Amount : {$140.00} Date of Charge-Off n/a Legal Grounds for Dispute Under 15 USC 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Reporting this charge-off without proper verification of its accuracy, completeness, and legal standing violates this provision.

Under 15 USC 1681b, a credit reporting agency may only furnish a consumer report with a permissible purpose. I do not recall authorizing or providing consent for this charge-off to be reported, and I hereby request that you provide the specific permissible purpose and documentation relied upon for reporting this account.

Under 15 USC 1681s-2, furnishers of information to consumer reporting agencies are required to provide accurate information and to investigate disputes. I am formally disputing the accuracy and legality of this charge-off, and you are required to notify the furnisher immediately so they may conduct a reinvestigation.

What I Demand 1. A full reinvestigation of this charge-off, including the original signed contract, payment history, and validation of the debt, along with verification that you have a permissible purpose for reporting it.

2. The name, address, and contact information of the furnisher who reported this information. Including non electronic signature 3. A written explanation of the permissible purpose you relied upon for reporting this charge-off under 15 USC 1681b .

4. Deletion of this charge-off from my Experian credit report if you can not fully verify its accuracy, completeness, and legality. 

Enclosed are copies of my government-issued ID and proof of address to assist in processing this dispute. 

If this inaccurate and potentially illegally reported information is not deleted within 30 days, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office for violations of the FCRA, and I will consider pursuing legal action under 15 USC 1681n and 1681o for damages, costs, and attorneys fees. 
Please complete your reinvestigation and provide a written response within 30 days as required by the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Company closed my account was a few months past due on payment. I settled the account right after to a XXXX balance in exchange was suppose to get a deletion letter for account to be deleted, reply at XXXX XXXX after it was paid said not giving me a deletion letter and hung up the phone on me, I just want this account deleted from my credit asap pls. My nordstrom card # was : XXXX

Company response to consumer: Closed with explanation