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

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Equifax credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: Velocity Portfolio Group
State: SC

Complaint narrative:
Call the company. They indicated that the information that I was giving them was not in their system that they have no understanding of what I was referring to about. Cks prime investment was reporting on my credit report of a debt of {$2200.00} was not reported in their system. I have written to this company requesting a debt collection validation letter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I demand blocking and deletion within XXXX  days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX Date : XX/XX/year> XXXX CARD Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> XXXX XXXX Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing again regarding the {$2300.00} unauthorized charge on my debit card ending in XXXX. In your letter ( Ref. XXXX ), you state : These transactions were made from your account using your Citibank Debit Card ending in XXXX, and youve indicated the card was in your possession. As a result, were unable to honor your claim. 

This assertion is categorically false. I have neverat any pointindicated that the card was in my possession. In every communication, I explicitly informed you that : I never received the physical card. 

The card was stolen from my mailbox ( as confirmed by XXXX XXXX XXXX Report # XXXX ). 

The suspect was apprehended using a falsified ID to activate and use the card. 

I have attached the following to demonstrate the truth : XXXX XXXX Police Investigation Report ( # XXXX ) Confirms the card never reached me and was fraudulently activated and used at XXXX XXXX XXXX. 

Arrest Log Shows the suspect has been taken into custody for this crime. 

On the detective supplement it's clearly documented that " XXXX does not know the suspect and desired prosecution for the theft ''. 

Your claim that I indicated the card was in my possession is baseless, and it suggests Citi failed to review any of the evidence I provided. Under Regulation E, you are required to : Reopen and conduct a goodfaith investigation of the unauthorized {$2300.00} charge. 

Reverse and permanently credit my account for that {$2300.00}.

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 2025-06-06 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: TX

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
am submitting this complaint regarding a fraud claim I filed with Navy Federal Credit Union for unauthorized debit card transactions totaling {$3300.00}, which occurred on or around XXXX XXXX XXXX. These transactions were made through XXXX XXXX, a gambling platform. I did not authorize these charges, do not gamble, and did not provide my card information to anyone. 

At the time of the transactions, my debit card was in my possession and had not been lost or stolen. After noticing the charges, I immediately contacted Navy Federal to report the fraud. I also filed a police report to document the incident and provided it to Navy Federal during the claims process. 

Despite this, Navy Federal denied the claim, stating that " no error occurred '' and the charges were valid, without providing documentation or sufficient justification. I believe my XXXX account was accessed without my permission, possibly due to credential theft or unauthorized access. I have never authorized these types of transactions in the past, and this activity is inconsistent with my typical account behavior. 

I have requested a second review, submitted a police report, and provided written answers to Navy Federal 's follow-up questions. I am asking the CFPB to assist in having this matter fully investigated and resolved. I am seeking a full reimbursement of the {$3300.00} in unauthorized charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a recent victim of a data breach, and fraudulent accounts have surfaced on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I demand that these accounts be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXXddress : XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

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 2025-06-06 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.

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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 a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally dispute the placement of my federal student loan account into forbearance and/or delinquency without my knowledge or proper notification. These actions, taken unilaterally by XXXX, have significantly harmed my credit score and financial standing. 
According to my records, my loan was placed into forbearance and/or reported as delinquent around XX/XX/year>. I did not request, authorize, or consent to any forbearance status. 
I received no advance notice of this change, nor allowed to contest or opt out of the action. On XX/XX/year>, I received an email stating I was four months behind on payments. However, my credit report from XXXX  and Experian, reviewed on XX/XX/year>, shows that delinquent status had already been reported as of XX/XX/year> ( Contacted by Fasfa via Email XX/XX/year> ). This timing demonstrates that my account was marked delinquent before any communication from XXXX. 
Additionally, my records show that XXXX first contacted me about a forbearance status on XX/XX/year>, in response to my application for an Income-Driven Repayment ( IDR ) plan, which I submitted on XX/XX/year>. That was the first and only communication I received regarding the forbearance, and it came after the status change and credit reporting. 
This mismanagement has resulted in serious negative marks on my credit report, including a reported 90-day delinquency. I was not notified of this delinquency until well after it was reported to the credit bureaus.

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 2025-06-06 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: MD

Complaint narrative:
I am writing to formally dispute the placement of my federal student loan account into forbearance and/or delinquency without my knowledge or proper notification. These actions, taken unilaterally by XXXX, have significantly harmed my credit score and financial standing. 
According to my records, my loan was placed into forbearance and/or reported as delinquent around XX/XX/year>. I did not request, authorize, or consent to any forbearance status. 
I received no advance notice of this change, nor allowed to contest or opt out of the action. On XX/XX/year>, I received an email stating I was four months behind on payments. However, my credit report from XXXX and XXXX, reviewed on XX/XX/year>, shows that delinquent status had already been reported as of XX/XX/year> ( Contacted by Fasfa via Email XX/XX/year> ). This timing demonstrates that my account was marked delinquent before any communication from XXXX. 
Additionally, my records show that XXXX first contacted me about a forbearance status on XX/XX/year>, in response to my application for an Income-Driven Repayment ( IDR ) plan, which I submitted on XX/XX/year>. That was the first and only communication I received regarding the forbearance, and it came after the status change and credit reporting. 
This mismanagement has resulted in serious negative marks on my credit report, including a reported 90-day delinquency. I was not notified of this delinquency until well after it was reported to the credit bureaus.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the placement of my federal student loan account into forbearance and/or delinquency without my knowledge or proper notification. These actions, taken unilaterally by XXXX, have significantly harmed my credit score and financial standing. 
According to my records, my loan was placed into forbearance and/or reported as delinquent around XX/XX/year>. I did not request, authorize, or consent to any forbearance status. 
I received no advance notice of this change, nor allowed to contest or opt out of the action. On XX/XX/year>, I received an email stating I was four months behind on payments. However, my credit report from Equifax and XXXX, reviewed on XX/XX/year>, shows that delinquent status had already been reported as of XX/XX/year> ( Contacted by Fasfa via Email XX/XX/year> ). This timing demonstrates that my account was marked delinquent before any communication from XXXX. 
Additionally, my records show that XXXX first contacted me about a forbearance status on XX/XX/year>, in response to my application for an Income-Driven Repayment ( IDR ) plan, which I submitted on XX/XX/year>. That was the first and only communication I received regarding the forbearance, and it came after the status change and credit reporting. 
This mismanagement has resulted in serious negative marks on my credit report, including a reported 90-day delinquency. I was not notified of this delinquency until well after it was reported to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: FL

Complaint narrative:
There is incorrect information on my credit report, and I want it removed immediately. This is impacting my daily life, and I can not apply for credit of any sort if I need help now or in the future. 

These accounts do not belong to me and I have no knowledge of them

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

Complaint narrative:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

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 2025-06-06 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: NC

Complaint narrative:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I demand blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX XXXX - Account XXXX XXXX XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX * * * XXXX, Date Opened : XXXX, Balance : {$10000.00} XXXX  XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$19000.00} Inquiries XXXX Date : XXXX XXXX FIN Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX XXXX/XXXX  Date : XXXX XXXX XXXX/XXXX  XXXX  Date : XXXX XXXX XXXX Date : XXXX XXXX  XXXX  XXXX Date : XXXX XXXX  Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX  XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX  XXXX  XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX Date : XXXX XXXX XXXX CO XXXX Date : XXXX XXXX XXXX Date : XXXX  XXXX  XXXX  XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX Date : XXXX XXXX XXXX XXXX  XXXX Date : XXXX XXXX XXXX Date : XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: NC

Complaint narrative:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I demand blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX XXXX - Account XXXX XXXX XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX * * * XXXX, Date Opened : XXXX, Balance : {$10000.00} XXXX  XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$19000.00} Inquiries XXXX Date : XXXX XXXX FIN Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX XXXX/XXXX  Date : XXXX XXXX XXXX/XXXX  XXXX  Date : XXXX XXXX XXXX Date : XXXX XXXX  XXXX  XXXX Date : XXXX XXXX  Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX  XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX  XXXX  XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX Date : XXXX XXXX XXXX CO XXXX Date : XXXX XXXX XXXX Date : XXXX  XXXX  XXXX  XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX Date : XXXX XXXX XXXX XXXX  XXXX Date : XXXX XXXX XXXX Date : 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