vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: FL

Complaint narrative:
I am submitting this rebuttal to XXXX response to my original complaint. XXXX wrongly claimed that the Master Promissory Note ( MPN ) grants them unlimited authority to report my private student loan detailssuch as balance, original amount, and payment historyto credit bureaus. This misuse of the law is improper. 

The Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g ( b ) ( 1 ), prohibits the disclosure of educational records without explicit written consent, except under specific exceptions. XXXX actions do not fall within any of these exceptions. 

Although XXXX cited 20 U.S.C. 1232g ( b ) ( 1 ) ( D ) which pertains to financial aidthe law only allows disclosure necessary for aid eligibility, disbursement, or loan enforcement. Reporting to credit bureaus is not required for servicing the loan and does not qualify under this exception. 

Even if the Department of Education permits reporting for internal purposes, that doesnt override FERPA or my privacy rights. My credit report should not be used as a tool for federal enforcement.

I have never given XXXX written permission to share my data with third parties. I have opted out of all nonpublic data sharing. XXXX  continued reporting of my student loan info to Equifax, XXXX, and TransUnion violates FERPA, 15 U.S.C. 1681b, and my rights under 15 U.S.C. 6802 ( b ). 

Their response misrepresents the law and ignores my revocation of authorization. This amounts to willful noncompliance under FCRA 1681n and is a clear violation of federal student privacy laws.

I request the immediate and permanent removal of all XXXXt-related tradelines from all consumer reporting agencies and confirmation that all unauthorized disclosures of my educational records have ceased.

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 2025-07-13 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 am submitting this rebuttal to XXXX response to my original complaint. XXXX wrongly claimed that the Master Promissory Note ( MPN ) grants them unlimited authority to report my private student loan detailssuch as balance, original amount, and payment historyto credit bureaus. This misuse of the law is improper. 

The Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g ( b ) ( 1 ), prohibits the disclosure of educational records without explicit written consent, except under specific exceptions. XXXX actions do not fall within any of these exceptions. 

Although XXXX cited 20 U.S.C. 1232g ( b ) ( 1 ) ( D ) which pertains to financial aidthe law only allows disclosure necessary for aid eligibility, disbursement, or loan enforcement. Reporting to credit bureaus is not required for servicing the loan and does not qualify under this exception. 

Even if the Department of Education permits reporting for internal purposes, that doesnt override FERPA or my privacy rights. My credit report should not be used as a tool for federal enforcement.

I have never given XXXX written permission to share my data with third parties. I have opted out of all nonpublic data sharing. XXXX  continued reporting of my student loan info to Equifax, XXXX, and TransUnion violates FERPA, 15 U.S.C. 1681b, and my rights under 15 U.S.C. 6802 ( b ). 

Their response misrepresents the law and ignores my revocation of authorization. This amounts to willful noncompliance under FCRA 1681n and is a clear violation of federal student privacy laws.

I request the immediate and permanent removal of all XXXXt-related tradelines from all consumer reporting agencies and confirmation that all unauthorized disclosures of my educational records have ceased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: NC

Complaint narrative:
Equifax did not fix an error on my credit report. 
confirmation # XXXX regarding dispute results I received from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: NC

Complaint narrative:
I am formally disputing inaccurate and unverifiable items on my Experian credit report, including accounts with incorrect charge-off statuses, a mischaracterized voluntary repossession, outdated personal information, and unverifiable collections. Some accounts may be obsolete under FCRA 1681c ( a ) ( 4 ), and I have identified unauthorized hard inquiries that violate 1681b. Experian has an obligation under FCRA 1681i and 1681s-2 to verify this data or delete it permanently. My dispute letter is attached to this complaint for review.

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 2025-07-13 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: IL

Complaint narrative:
Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX Subject : Complaint Regarding Collection of Canceled Debt and IRS Form 1099-C Omission Dear Federal Trade Commission , I am writing to file a formal complaint against XXXX XXXX XXXX XXXX which has recently contacted me in an attempt to collect a debt that was already dismissed by the original creditor, Navy Federal Credit Union XXXX 

The debt in question was classified by the original creditor as a bad debt and, to my understanding, was written off. Despite this, a collection agency is now pursuing payment. This raises concerns under the Fair Debt Collection Practices Act ( FDCPA ) and potentially the Fair Credit Reporting Act ( FCRA ), especially if this debt has been re-aged or reported incorrectly. 

Additionally, the original creditor never issued a Form 1099-C ( Cancellation of Debt ), even though the amount exceeded {$600.00}. This form is required for tax reporting when a debt is canceled, and its absence has complicated my ability to accurately file my 1040 return and remain in compliance with IRS regulations. 

I am concerned that the sale and collection of a previously canceled debtwithout proper documentation or noticeis misleading and unfair. Also this debt has been on file for 7 years. I request that this matter be reviewed and investigated. 

Attached are : Evidence of the nefarious reporting from this 3rd party debt collector with no contractual agreement between myself and them. 

Thank you for your attention to this matter and for helping to protect consumers from improper debt collection practices. 

Sincerely, XXXX XXXX

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 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened a checking and savings account with a representative over the phone on XX/XX/XXXX. We set up mobile banking, a debit card was sent in mail and all was well. On XX/XX/XXXX I added my account/routing numbers to my employers direct deposit. On XX/XX/XXXX when I went to open the mobile app it said it didnt recognize my username/password. It stated to Call for Assistance. I called and could not get a clear answer other than I must go to a branch location, Bank of America. I went to talk with the manager XXXX I believe was her name. She stated BOA closed my account because they could not verify me. Meanwhile my direct deposit from work was trying to go into the bank account that the system closed as XXXX referred to it as. The system closed my account. I never was questioned, received any kind of notification, was never asked for more documentation etc. I thought thats what I was doing when opening the account over the phone for almost two hours. 
Unlawful, deceptive and reckless conduct. 
I have been without my paycheck for a week now and am ready to sue. I have already contacted my attorney. 
Thank you for your time.

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 2025-07-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/year> I Reported Identify Theft And Fraudulent Accounts Opened On My Report.. I Also Had Acconts Reporting Incosintence Errors on Accounts..

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 2025-07-13 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: MI

Complaint narrative:
I am filing a complaint regarding a duplicate payment of {$510.00} that was charged on both XX/XX/XXXX and XX/XX/year>, to my Capital One credit card ending in XXXX. 

I called Capital One customer service on XX/XX/year>, and they confirmed the duplicate payment and said a refund check would be issued within two weeks. I followed up multiple times, and I was told that the refund was reissued, but I never received it. 

Eventually, I received a letter from Capital One dated XX/XX/year>, stating they could not refund the duplicate payment. This was the third time I received the same generic response, with no explanation or resolution. 

I made several timely attempts to dispute the charge, but the company continues to refuse the refund without justification. 

I am requesting the CFPBs help in having Capital One refund the duplicate payment of {$510.00} and close this issue fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: LEXISNEXIS
State: NV

Complaint narrative:
Subject : Formal Dispute of Personal Data & Request for Investigation and Deletion Pursuant to FCRA ( 15 U.S.C. 1681 et seq. ) To Whom It May Concern, I am submitting this letter as a formal consumer complaint/dispute and privacy demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., concerning personal data you maintain, disseminate, and share in your consumer reporting systems and affiliated databases. I am asserting both the right to accuracy and the right to data security in light of LexisNexis Risk Solutions ' known breach of sensitive consumer information. 

I. Background : Publicly Reported Data Breach of LexisNexis On or around XX/XX/XXXX, LexisNexis experienced a data breach involving unauthorized access to consumer records including Social Security numbers, drivers license numbers, dates of birth, and contact information. This breach was reported publicly in a filing with the Maine Attorney Generals Office and widely covered by reputable sources including XXXX XXXX XXXX XXXX. Critically, the breach was not disclosed until XX/XX/XXXX, over three months after the exposure a delay that created prolonged risk to affected consumers like myself. 
As a consumer whose data is likely retained and sold by LexisNexis across its various information products, I have strong reason to believe that my personally identifiable information ( PII ) was among the compromised records. 

II. Legal Grounds for Challenge and Demands 1. Failure to Maintain Reasonable Procedures FCRA 1681e ( b ) Under the FCRA, LexisNexis is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. A breach of this magnitude constitutes prima facie evidence of procedural failure in both data integrity and consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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:
I XXXX XXXXXXXX has placed two collection accounts on my credit report that I did not have any deals with nor did I apply for these accounts. One account is worth XXXX XXXX for the amount of XXXX the second is from XXXX  and amount of XXXX. 
XXXX has a closed account on my credit report. I never applied for a XXXX phone nor do I have a XXXX service the amount of XXXX they closed account. 
Four hard inquiries that I did not apply for a credit line with none of these companies XXXX XXXX, XXXX, XXXX XXXX XXXX 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
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Credit Report Dispute for Account Affirm Inc ( Account Number : XXXX ) To Whom It May Concern, I am writing to formally dispute information in my credit report. The item I am disputing is listed under the name Affirm Inc with the account number XXXX. 

According to my report, this account was opened on XX/XX/XXXX, and has a status of charged off with a past due balance of {$76.00}. The comment also notes that the first payment was never received. However, I dispute the accuracy and validity of this account as reported. 

Specifically, I am requesting the following : 1. Verification of the debt, including all documentation showing that the debt is valid, that I am legally responsible for it, and that Affirm made reasonable efforts to contact me prior to charging it off.

2. An explanation for why the original balance is reported as {$68.00}, while the current balance is listed as {$76.00}.

3. Proof that the account was legally reported in compliance with the Fair Credit Reporting Act ( FCRA ). 

If this account can not be verified within the timeframe set forth by the FCRA, I respectfully request that it be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: NJ

Complaint narrative:
XXXX XXXX have furnished this account as a charge off / collection you are in violation of the Fair Credit Reporting Act 15 USC 1681.The IRS defines a Charge Off as cancelled debt. When a debt is cancelled a FORM 1099C must be issued. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Delete the following account from my consumer reports : XXXX XXXX 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
Consumer complaint received 2025-07-13 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: NJ

Complaint narrative:
XXXX XXXX have furnished this account as a charge off / collection you are in violation of the Fair Credit Reporting Act 15 USC 1681.The IRS defines a Charge Off as cancelled debt. When a debt is cancelled a FORM 1099C must be issued. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Delete the following account from my consumer reports : XXXX XXXX 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 2025-07-13 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: NC

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

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