vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: GA

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

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX XXXX - Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: MA

Complaint narrative:
I am filing a complaint due to several unauthorized credit inquiries that appear on my credit report, which I am requesting to be removed. After contacting the creditors responsible, I was informed that they have no evidence that I initiated these inquiries, nor do they have any written or verbal authorization from me, nor a permissible purpose as required by the Fair Credit Reporting Act ( FCRA ).

Specific Unauthorized Inquiries : Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries were made without my consent, and I have requested that the involved credit bureaus ( XXXX, Equifax, and/or XXXX  ) conduct a thorough and manual investigation. However, these bureaus often rely on the EOSCAR system, which has been noted by the CFPB as insufficient in cases where verifying authorization documents requires a I have invoked several FCRA provisions that support my request for deletion, including : Section 604 ( Permissible Purposes ) : These inquiries do not meet the permissible purposes specified Section 611 ( Inaccurate or Unverifiable Information ) : I am requesting these inquiries be deleted as there is no verification or documentation supporting their inclusion in my credit report.

Section 609 ( Right to Access and Verification ) : TheFCRA mandates that each inquiry on my report must be verifiable by an original contract or evidence of my consent, which is not present in this case.Section 623 ( Responsibilities of InformationProviders ) : Information providers are required to ensure the accuracy and authorization of reported information, which these inquiries do not meet.

5. Section 605A ( Identity Theft Protection ) : Should these inquiries relate to identity theft, I am requesting their deletion under this protection.

Additionally, I reference the case Pintos v. Pacific Creditors Association ( 9th Cir. 2010 ), where the Ninth Circuit ruled that accessing a credit report without a legitimate purpose or the consumer 's consent constitutes a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
submitted multiple IDR applications from XX/XX/XXXX through XX/XX/XXXX, all of which are marked as Closed. I would like to understand the reasons behind this and request that my application be properly processed. I was advised by both the Student Government and Mohela through phone calls to submit these applications. When I contacted support, they indicated that my IDR applications appeared to be in order and confirmed that I had submitted additional applications for the respective years during the email prompts to recertification or reapply. However, they now show the applications as closed and not approved. I have agreed to the terms of PSFL, was placed in deferment, and have continued making payments. I have a qualifying employer for PSLF. Recently, I was informed that my repayment plan is changing, and that my payments will no longer count toward forgiveness, with no option to buy back previous payments. I believe this is unfair and that my repayment efforts should be recognized, regardless of the forbearance. I am concerned that there may have been a system error or miscommunication, especially since I have been advised to manually submit my IDR applications, and my repayment terms have been fluctuating over the past few years. I accepted a lower-paying state job, and now my plan appears to be changing to an unaffordable arrangement. Unfortunately, none of my previous efforts seem to be reflected in my current standing. When I attempt to reach support, now after this big beautiful bill I am unable to speak with a representative, as I only hear a dial tone. I am uncertain about the current status of my account and the proper procedures I should follow. What I do know is that since graduating and obtaining qualifying employment, I have followed all instructions and agreements related to repayment. It is not my fault if the courts now determine that forgiveness is not possible. I would appreciate your assistance in ensuring that my efforts are properly recognized so that I may move closer to PSLF. Just called again, today, XX/XX/XXXX and I got stuck in their automated call service phone loop.I can not speak to a person.I have no idea what's going on with my loans. I've made qualifying payments since XXXX and I have a qualifying employer since XXXX and I only have 34 payments counting for some reason. I call student aid.gov. They say that doesn't make any sense and they can't see anything, and then I have to call mohela, but mohela doesn't answer the phone and they send very generic emails that do not address my actual questions. It's just a script that they mass send out.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9400.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6000.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I made a payment on XXXX and it posted on XXXX from my bank. Today XXXX 3 days later I check and my available credit is still XXXX. So I call Capital one only to find out that they placed a payment hold on my account until XXXX telling me there's nothing they can do, but then tell me to request a credit-limit increase that apparently has the same restrictions on the account as a payment hold would. It's a new account and I'm getting back on my feet after a financial hardship last year. If they are able to contact you when a payment is late or missed, then they should have the same energy when additional funds verification, reviews, or holds are placed. I now have XXXX money for the weekend and my friends are coming into town

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: CA

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 non-monetary relief
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
After paying off the loan they are still reporting a balance.of {$4600.00} my credit report and showing 60 - 180 days late they changed the balance amount but not correcting and reporting correcting the correct status on the credit report purposely causing extra hardship for me when everything could have been reported.all at one time. According 15 usc 1681 accuracy of report if requesting information deleted immediately due to inaccurate information.

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 2025-08-07 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: CA

Complaint narrative:
After paying off the loan they are still reporting a balance.of {$4600.00} my credit report and showing 60 - 180 days late they changed the balance amount but not correcting and reporting correcting the correct status on the credit report purposely causing extra hardship for me when everything could have been reported.all at one time. According 15 usc 1681 accuracy of report if requesting information deleted immediately due to inaccurate information.

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 2025-08-07 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5800.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00}

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 non-monetary relief
Consumer complaint received 2025-08-07 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: NY

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX XXXX XXXX XXXXXXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
I RECENTLY REVIEWED MY CREDIT REPORT AND I HAVE FOUND MULTIPLE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, I HEARBY REQUEST AN INVESTIGATION INTO THESE ITEMS AND THEIR SUBSEQUENT REMOVAL FROM MY REPORT. I AM AWARE THAT PER 15 U.S.C. SEC. 1681i ( a ), YOU ARE REQUIRED TO COMPLETE THIS REINVESTIGATION WITHIN 30 DAYS OF RECEIVING THIS CLAIM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am filing this complaint regarding a vehicle loan Navy Federal Credit Union initiated in my name without a valid, signed promissory note.

In 2023, I applied for an auto loan with Navy Federal. However, I never received a physical promissory note, nor did I electronically or physically sign one. Recently, I formally requested a copy of the signed promissory note through the internal messaging system. Navy Federal responded, admitting in writing that no signed copy exists.

This raises serious concerns. The promissory note is a legal requirement to authorize a loan. Without my signature or informed consent, the loan is neither valid nor enforceable. Nevertheless, Navy Federal has been enforcing this loan, collecting monthly payments, placing a lien on the vehicle, and reporting the account to credit bureaus.

I only became aware of this issue after requesting the original signed agreement and reviewing my records. Countless stolen documents were stolen from my vehicle in a recent theft which prompted this request, only for me to find there is no record of me signing such a document.

I am requesting : A full accounting and return of all payments made toward this void agreement Immediate removal of the lien from the vehicle Immediate correction of any credit bureau reporting related to this invalid loan I am extremely concerned about the legality and ethics of funding and enforcing a loan without proper documentation. I ask the CFPB to investigate this matter and ensure Navy Federal is held accountable for these practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I am disputing a {$60.00} unauthorized transaction through PayPal to XXXX on XX/XX/year>. 

I did not authorize this transaction and submitted supporting documentation, including a hospital letter verifying medical incapacitation during the time of the charge. Despite this, PayPal denied my claim with no valid justification, stating it was consistent with my payment history, even though I have never transacted with this merchant before and had no prior interactions with XXXX. 

I requested escalation to a fraud specialist and a full audit trail ( IP address, device ID ) to validate the activity, and PayPal has refused to provide this or conduct further review.

This is in direct violation of Regulation E, which protects consumers from unauthorized electronic fund transfers. I am seeking a full refund and proper handling of this unauthorized charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint addresses a late payment that has been wrongfully reported. I have verified my records and can confirm that this entry is erroneous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am writing to formally request your assistance in investigating and taking preventive action against potential wage garnishment related to a credit account that I was previously unaware of.

Recently, I became aware that a creditor or debt collector has initiated or may be in the process of initiating wage garnishment proceedings against me. However, I have no prior knowledge of the credit account in question and was never contacted regarding this debt before receiving notice of potential garnishment.

I believe this garnishment may stem from one or more of the following concerns : An account fraudulently opened in my name without my knowledge.

Lack of proper notification or opportunity to dispute the debt. Violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) or Fair Credit Reporting Act ( FCRA ).

I am requesting the following : 1. A formal investigation into this claim and the creditors legal right to pursue garnishment.

2. Temporary relief to prevent any garnishment actions while the claim is being reviewed.

3. Assistance in confirming the validity of the account and any legal judgment obtained.

4. Guidance on how to resolve this issue and protect my credit and wages.

Please find attached any supporting documents I have, including notices received, credit reports, and identification. I am also in the process of disputing the claim directly with the credit reporting agencies and relevant financial institutions.

I respectfully ask that this matter be treated as urgent to avoid undue financial hardship. Please contact me at your earliest convenience to confirm receipt and next steps.

Thank you for your attention to this serious matter.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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