vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am a certified XXXX XXXX  victim. Fraudulent accounts were opened in my name at Navy Federal Credit Union. Despite submitting official victim certification and proof, Navy Federal denied my request to remove adverse reporting.

Additionally, Navy Federal sued me for {$40000.00} related to this debt. I defended myself in court and the case was dismissed with prejudice the court ruled I am not responsible. Despite this, Navy Federal continues to report negative information to XXXX XXXX XXXX XXXX XXXX XXXX 

Under the Debt Collection Practices for XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Fair Credit Reporting Act, 15 U.S.C. 1681c-3, Navy Federal is legally required to block, suppress, and remove this adverse information. Their refusal violates federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am formally disputing certain collection and charge-off accounts on my credit report as inaccurate, outdated, or unverifiable. Despite submitting disputes and supporting documentation, these accounts remain unverified and continue to harm my credit. Under the Fair Credit Reporting Act ( FCRA ), I demand a full reinvestigation of these accounts, and any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$10.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-10-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: MN

Complaint narrative:
I recently reviewed a copy of my XXXX XXXX XXXX XXXX  credit reports and noticed that there is a item as follow : - Account Name - SOURCE RECEIVABLES MNG- Account number- XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX , Phone number XXXX XXXXXXXX .This is inaccurate in my credit report and I was shocked that I have been a victim of identity theft. This has hurt so bad as I am in the process of buying a home for my family. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX XXXX XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. XXXX XXXX XXXX . Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Have a blessed day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
The personal information on my credit report were outdated.

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 2025-10-01 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: TX

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-01 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: MI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: MI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-10-01 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:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Complaint - Furniture purchased at XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> : Purchased Furniture ( King size XXXX, bed frame, bed, and nightstand ) from XXXXXXXX XXXX XXXXXXXX for a TOTAL COST of {$4500.00} I made a deposit of {$1400.00} TD Bank financed the remaining balanced of {$3100.00}, with XXXX percent interest for 90 days TOTAL PAYMENTS = {$3300.00} XXXX {$1400.00} ( initial deposit ) XXXX {$1000.00} XXXX {$500.00} XXXX {$400.00} BALANCE = {$1200.00} XX/XX/year> : Furniture was delivered. While they were assembling the wooden frame planks, they did not appear evenly distributed, but I figured that they were experts and that they knew what they were doing. 

When they left, I noticed that the nightstand did not lay flat on the floor. 

I sent my salesperson a text letting her know that the nightstand did not lay flat but that I did not notice it until after they had already left my home. I have copies of texts and plenty of photos. 

I called the number and left a message ; no one ever called me back. 

On XX/XX/XXXX : I sent another text to XXXX me and she said she would contact customer care. 

I also noticed that the frame was very squeaky when I sat on the bed. I also noticed that there were strings hanging from the mattress which made me feel like the mattress was not new. 
The bed frame eventually broke in half and fell. 

It was weeks before a repairman came out to fix the bed. When the man did come, he said he could not understand why he was sent out. He said this bed can not be repaired. Then he said the nightstand was wobbly because my floor was not even which is a lie. 

It has been well over a month since the repairman said that they would take care of the problem. I have heard nothing from XXXXXXXX XXXX XXXXXXXX. I was getting ready to make the final {$1200.00} payment when my daughter said to me, XXXX they are taking advantage of you. You are elderly, frail, and you have XXXX XXXX, and your problems leave you little energy to fight this, but why are you paying for something that you do not and can not use! I have been sleeping on my sofa because I am afraid to hurt myself on a broken bed. 

I do not want this furniture. I want XXXXXXXX XXXX XXXXXXXX to come and pick this furniture, including the mattress up, and refund the {$3300.00} dollars that I have paid to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: AK

Complaint narrative:
In XX/XX/XXXX, I applied to be moved from XXXX to XXXX, and also submitted a reconsideration request/buyback that same month. The XXXX application was approved in XX/XX/XXXX. I made the first payment on XXXX in XX/XX/XXXX. Aidvantage processed it, but it showed as processed at XXXX point on studentaid.gov ( see attached ), but after a couple of weeks, it was removed and still shows " in review ''. When I inquired about it, I was told to just wait. XXXX has not issued credit for the XX/XX/XXXX payment. When I inquired about that, I was told to submit a reconsideration request. I already did that and, once again, was told " it takes time ''. I should also receive credit for a XXXX processing forbearance for the time it took to process the XXXX request XXXX and when I contacted Aidvantage, the answer I received was that it should count and they will check into it. ( See attached ). As of today, XX/XX/XXXX, I have received NO answers. I have done my part, but Aidvantage nor XXXX are honoring their parts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: NY

Complaint narrative:
Subject : Complaint Regarding Student Loan Servicer Data Breach and Request for Loan Relief To Whom It May Concern, I am writing to file a complaint regarding the handling of my federal student loans. My personal and financial information was compromised as a result of the DOGE-related data breach and privacy violation. This breach represents a serious violation of my right to privacy and has caused my data to be exposed to identity theft risk, harassment, and fraud attempts. This data breach violates both FERPA and Title IV protections. 

My servicer EdFinancial failed to adequately safeguard my personal data, creating unnecessary risk and financial harm. I request that the CFPB investigate this matter, hold my loan servicer accountable, and consider relief including loan forgiveness or discharge as a remedy for the damages caused.

Enclosed are any supporting documents, breach notices, correspondence in support of this investigations.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX [ Loan Account Number ( XXXX ) ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Albert Corporation
State: NY

Complaint narrative:
Summary of complaint : On XX/XX/year> my Albert account posted an XXXX debit of {$2300.00} to XXXX XXXX ( mortgage payment ). XXXX XXXX later advised the payment was returned/reversed and provided ACH trace # XXXX. My Albert account does not show any matching inbound credit for this amount ; the debit cleared and the money left my account, but I have not received the returned funds. Albert has stated the investigation is closed and no error found despite the provided trace number and supporting documentation.

Attached evidence : Screenshots of my Albert transaction list showing the XX/XX/XXXX debit for - {$2300.00} and the Missing/Retry text. 
PDF documentation and the investigation files I received from Albert ( including the pages that show the transaction and the summary table ).

Correspondence logs with Albert and XXXX XXXX ( if any ). 

I ask that the CFPB open a complaint/investigation and inform me of next steps. I am available to provide any additional documentation or statements needed. 

Thank you, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I dispute multiple student loan tradelines and demand immediate investigation and corrective action under the FCRA and applicable federal law. The loans listed below are inaccurately reported, re-aged, lack valid chain-of-custody documentation, and the furnisher/servicer has failed to provide required verification. 
Flagged Loans Total Deletion Requested Dept. of Ed / XXXX  Multiple XXXX  Loans >120 days late, DOFDs not properly furnished. 
[ Add additional student loan servicers here if applicable. ] Violations & Legal Basis FCRA 1681e, 1681i, 1681s-2 inaccurate reporting, failure to investigate.

FCRA 1681c ( a ) ( 4 ) 7-year reporting limits from DOFD.

FDCPA illegal/unfair collection practices where third-party collectors involved.

CRA Violations discriminatory reporting.

IRS 1099-C Rules failure to issue cancellation of debt where required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I dispute multiple XXXX  loan tradelines and demand immediate investigation and corrective action under the FCRA and applicable federal law. The loans listed below are inaccurately reported, re-aged, lack valid chain-of-custody documentation, and the furnisher/servicer has failed to provide required verification. 
Flagged Loans Total Deletion Requested Dept. of Ed / XXXX  Multiple XXXX  Loans XXXX120 days late, DOFDs not properly furnished. 
[ Add additional student loan servicers here if applicable. ] Violations & Legal Basis FCRA 1681e, 1681i, 1681s-2 inaccurate reporting, failure to investigate.

FCRA 1681c ( a ) ( 4 ) 7-year reporting limits from DOFD.

FDCPA illegal/unfair collection practices where third-party collectors involved.

CRA Violations discriminatory reporting.

IRS 1099-C Rules failure to issue cancellation of debt where required.

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 2025-10-01 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: OH

Complaint narrative:
Hi, My name is XXXX XXXX. I noticed I've been a victim of identity theft, and my personal information was exposed in a national data breach. I am contacting you regarding fraudulent accounts that have been reported on my credit report. 

Under the authority of 15 U.S. Code 1681c-2, I am formally requesting that you block and remove from my credit report all information that resulted from this identity theft, including any fraudulent accounts, inquiries, or collections that do not belong to me. 

XXXX XXXX  account number : XXXX XXXX XXXX XXXX  account number : XXXX XXXX XXXX account number : XXXX XXXX  XXXX XXXX  account number : XXXX 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