vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this complaint against Equifax for unlawfully denying me access to my own consumer credit report, despite multiple attempts made to obtain it. I have complied with their verification instructions, yet my requests have been repeatedly denied or blocked without justification. 

This is a direct violation of my rights under 15 U.S.C. 1681g ( a ) of the Fair Credit Reporting Act ( FCRA ), which entitles all consumers to obtain a free copy of their credit report annually, as well as upon request in connection with disputes, credit denials, or other qualifying circumstances. 

Details of the Violation : I have made multiple valid requests to access my credit report from Equifax via their website and/or by mail. 

Each attempt was either denied, resulted in an error message, or required unreasonable hurdles that prevented successful access. 

In some cases, I was told I could not be verified despite providing all required identifying information. 

I am not under any credit freeze that should prevent access, and I am not barred from access due to fraud or identity theft flags. 

I submitted appropriate proof of identity and residence, yet access continues to be denied. 

Legal Authority : Under 15 U.S.C. 1681g ( a ) of the FCRA : Every consumer reporting agency shall, upon request, clearly and accurately disclose to the consumer all information in the consumers file at the time of the request There is no lawful basis for Equifax to continuously withhold this information from me. Denying me access to my report interferes with my ability to : Dispute inaccuracies ; Understand my credit standing ; Exercise my rights under federal law. 

Harm Suffered : This denial has caused me : Delay in addressing inaccuracies or potential identity theft Denial of access to necessary financial services Emotional distress and frustration in dealing with a system designed to make access difficult

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: NM

Complaint narrative:
I am a U.S. Bank customer in the XXXX XXXX XXXX ( XXXX area ). U.S. Bank has quietly removed all ATM and branch services from this region, including nearly the entire XXXX XXXX, with the sole exception of XXXX. Branches have been shut down across XXXX XXXX and XXXX. This covers a 200-mile radius with no viable service options, and even then, only an ATM is available- and they are frequently broken and unmaintained by USBank. The closest branch is in XXXX, 3.5 hours away. When I finally reached a representative after multiple disconnects, I was told that U.S. Bank is focusing operations on the XXXX XXXX. The only notification to customers occurred in the fine print on the website, not in the app or directly to customers. This is not just a failure of service : it is a form of systemic geographic and racial abandonment.

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 2025-05-02 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnPlease reference FTC Report XXXX XXXX XXXX have filed an FTC report and sent all information regarding these disputed items with the credit bureaus and they removed them and put them back on. According to Section 605(b) of the Fair Credit Reporting Act provides 4 days to complete this investigation and block any unverified item. I have not received any documents to verify any of these accounts. Also these investigations were not done within 30 days. According to 15 usc 1681i 5(d) Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer's file to other such consumer reporting agencies. As a result of not being in compliance of the law under the FCRA this public record is still reporting on my credit reports with Experian Equifax and Transunion.  I am requesting these item be removed from my credit report and to share with other reporting agencies that are housing this information."

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: IL

Complaint narrative:
I've requested many times from " XXXX for a document stating the facts MY personal data, Financial data ( IRS ), and student loan information has been obtained by ( DOGE ) the Department of Government. instead you'll have stated XXXX has not engaged in any unauthorized activities which still doesn't confirm or give me an definite answer Yes, or NO has my PII, educational, or tax records been obtained. as I read here DOGE gained access to XXXX Department of Education and office of personnel management databases, including student loan databases, potentially affecting millions of borrowers. I need it in writing XXXX wasn't accessed. I don't need the stalling tactic methods just a DEFINITE answer I " aware of the rules that SHOULD apply and also that you should follow also I'm aware of the FCRA law codes and those you should abide. I'm concerned my information was accessed. Please definitely confirm that it has not also according to the FCRA credit reports should report accurate information DEPEDNELNET is reporting inaccuracies such as payment history, terms, status, and the opening dates differs across all three CRA 's. 15 U.S.C. 1681 mandates that credit reporting agencies ( CRAs ) must report information in a fair, accurate, and timely manner. This means if a student loan is reported, it must be reported correctly, and the student has the right to dispute inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: IL

Complaint narrative:
I've requested many times from " XXXX  for a document stating the facts MY personal data, Financial data ( IRS ), and student loan information has been obtained by ( DOGE ) the Department of Government. instead you'll have stated XXXX has not engaged in any unauthorized activities which still doesn't confirm or give me an definite answer Yes, or NO has my PII, educational, or tax records been obtained. as I read here DOGE gained access to XXXX Department of Education and office of personnel management databases, including student loan databases, potentially affecting millions of borrowers. I need it in writing XXXX wasn't accessed. I don't need the stalling tactic methods just a DEFINITE answer I " aware of the rules that SHOULD apply and also that you should follow also I'm aware of the FCRA law codes and those you should abide. I'm concerned my information was accessed. Please definitely confirm that it has not also according to the FCRA credit reports should report accurate information DEPEDNELNET is reporting inaccuracies such as payment history, terms, status, and the opening dates differs across all three CRA 's. 15 U.S.C. 1681 mandates that credit reporting agencies ( CRAs ) must report information in a fair, accurate, and timely manner. This means if a student loan is reported, it must be reported correctly, and the student has the right to dispute 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 non-monetary relief
Consumer complaint received 2025-05-02 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: IL

Complaint narrative:
I've requested many times from XXXX XXXX for a document stating the facts MY personal data, Financial data ( IRS ), and student loan information has been obtained by ( DOGE ) the Department of Government. instead you'll have stated XXXX has not engaged in any unauthorized activities which still doesn't confirm or give me an definite answer Yes, or NO has my PII, educational, or tax records been obtained. as I read here DOGE gained access to XXXX Department of Education and office of personnel management databases, including student loan databases, potentially affecting millions of borrowers. I need it in writing XXXX wasn't accessed. I don't need the stalling tactic methods just a DEFINITE answer I " aware of the rules that SHOULD apply and also that you should follow also I'm aware of the FCRA law codes and those you should abide. I'm concerned my information was accessed. Please definitely confirm that it has not also according to the FCRA credit reports should report accurate information XXXX is reporting inaccuracies such as payment history, terms, status, and the opening dates differs across all three CRA 's. 15 U.S.C. 1681 mandates that credit reporting agencies ( CRAs ) must report information in a fair, accurate, and timely manner. This means if a student loan is reported, it must be reported correctly, and the student has the right to dispute 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 2025-05-02 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: IL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuarcies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against XXXX  for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the neccessary proof of investigation. 
These are the accounts I marked as inaccurate : XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: VA

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc.
State: LA

Complaint narrative:
XXXX is inaccurately reporting a charge-off on my credit report. The vehicle in question was uninsured and declared a total loss. The lender closed the account, and there is no active balance. Despite this, XXXX continues to report the account as charged off with an outstanding balance. 

This violates the Fair Credit Reporting Act ( FCRA ) 1681i, which requires the removal of unverifiable or inaccurate information. It also goes against the precedent set in XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, which mandates deletion of unverified entries. 

Furthermore, per XXXX XXXX  2025 Executive Order prohibiting charge-offs and collections from being reported on consumer credit reports without verified consumer consent, this account is in violation of federal policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had looked on my account and noticed some charges i didnt authorize and i told my bank and i was told that some of them were valid which is not true at all. and they ended up reversing the credit. I dont think thats right at all especially if i never made any of the disputed charges. 
Something should be done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
this company keep reporting and contacting me about a debt i have no ideal about when i sent them a cease letter they continue to contact me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: TN

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: TN

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, 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 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CO

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 explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
I had a compliment against them earlier this year they raise my monthly payments from XXXX to XXXX a month now they are trying to say my new payments are going to be over XXXX  a month! All within a year! It's a XXXX dollar house for a 30 year loan! No way it should be even close to that!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-05-02 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: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: OH

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: AL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief