vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: NJ

Complaint narrative:
XXXX XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : 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  US POSTAL SERVICE - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
b'Inaccurate info reported and account keeps getting sold to new creditors and needs to be completely removed'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: Experian Information Solutions Inc.
State: TN

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 XXXX XXXX XXXX. 

The accounts below have violated my rights. 
XXXX XXXX XXXX section XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX 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 2025-07-03 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: NY

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. 

XXXX XXXX XXXX XXXX XXXX  -- {$22000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: SIMM Associates, Inc.
State: CA

Complaint narrative:
I am receiving email communications from SIMM Associates regarding a debt they claim to be collecting on behalf of XXXX, a company that no longer operates. The debt was never validated, and it is unclear whether SIMM Associates legally owns or has any servicing rights to this debt. 

I have formally requested validation twice, and they failed to provide any documentation whatsoever. Instead, they responded with another collection email then went silent. They have never sent written correspondence by mail as required by federal law and have only contacted me through email. 

This behavior is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), and I do not believe SIMM Associates has any legal right to collect this debt. Their collection attempts have caused significant emotional, financial, and physical harm, along with considerable time spent defending myself from an illegitimate claim. 





Applicable Violations of the FDCPA 1. 15 U.S.C. 1692g ( b ) SIMM failed to validate the debt after I disputed it, yet continued collection efforts 2. 15 U.S.C. 1692e ( 2 ) ( A ) They misrepresented their legal right to collect a debt they can not prove they own 3. 15 U.S.C. 1692f Their behavior constitutes unfair or unconscionable collection practices 4. 15 U.S.C. XXXX2c They never mailed me the legally required written notice, relying solely on email communication 5. 15 U.S.C. 1692k I am entitled to statutory damages of up to {$1000.00} and additional actual damages for distress and time lost

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NC

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. 

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 2025-07-03 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 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. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I cashed a check at PNC BANK of XXXX XXXX Due to my acct being open less than 30 days i would have to wait the following day to have the funds available. deposit posted full amount however all the money was not in my acct. called customer service they had no idea where my missing money was and proceeded back to the bank with frustration and passion about my missing money. I was told now that it would be all available in 2 days and as the bank manager is explaining this it was business day 2 and no one knew where my money was. The bank manager and teller XXXX stuck by there lie to me about the policy was told correctly and the money is still missing and acct stating the full check amount was posted. i currently late on my rent and other things due to their neglect of TRUE customer care. i am going thru pain and suffering with my bills being late. Fast forward a week later my acct has been close with my money froze and can not use my debit card in store. embarrassed because of PNC freezing my acct because i expressed freedom of speech. i was later told that my funds were froze and they sent a later out stating my acct has been closed without my authorization and money still froze in the account for bills. they have chosen now that it is a option to receive my XXXX dollar promotion. This PNC acct was a terrible nightmare from the beginning. my acct is closed from what was told to me and i am still able to login to this account where it states active currently today. The bank says there was a letter mailed out XX/XX/XXXX regarding this closure. i wonder why it is still active currently i removed everything finally because my card was frozen for some unknown reason i should not be charged a maintenance fee for problems within the entity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am disputing two inaccurate accounts reported on my credit report, which are negatively affecting my credit profile. I have contacted the credit bureaus, but the accounts remain. Details are below : XXXX XXXX XXXX ( Reported XX/XX/XXXX ) This account is listed as a " secured loan '' with an original balance of {$120.00}. However, I never received any funds or benefit from this loan. There was no disbursement or actual credit extended to me. According to Regulation Z of the Truth in Lending Act ( 12 CFR 1026 ), a loan that is not funded can not create an enforceable debt. Reporting this as 90 days late is inaccurate and damaging. 

XXXX XXXX XXXX XX/XX/XXXX ) This account was opened on XX/XX/XXXX and is marked as canceled by credit grantor. I never opened or authorized this account. I have no relationship with this company and never applied for or accepted any credit with them. This is either an error or possibly identity-related. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), inaccurate or unverifiable information must be removed from my report. 

I request that the CFPB investigate these accounts and ensure they are either fully verified with legal evidence or removed from my credit history entirely.

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 2025-07-03 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: NY

Complaint narrative:
I am disputing two inaccurate accounts reported on my credit report, which are negatively affecting my credit profile. I have contacted the credit bureaus, but the accounts remain. Details are below : XXXX XXXX XXXX ( Reported XX/XX/XXXX ) This account is listed as a " secured loan '' with an original balance of {$120.00}. However, I never received any funds or benefit from this loan. There was no disbursement or actual credit extended to me. According to Regulation Z of the Truth in Lending Act ( 12 CFR 1026 ), a loan that is not funded can not create an enforceable debt. Reporting this as 90 days late is inaccurate and damaging. 

XXXX XXXX XXXX XX/XX/XXXX ) This account was opened on XX/XX/XXXX and is marked as canceled by credit grantor. I never opened or authorized this account. I have no relationship with this company and never applied for or accepted any credit with them. This is either an error or possibly identity-related. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), inaccurate or unverifiable information must be removed from my report. 

I request that the CFPB investigate these accounts and ensure they are either fully verified with legal evidence or removed from my credit history entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: GA

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 explanation
Consumer complaint received 2025-07-03 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: SC

Complaint narrative:
I am a verified victim of identity theft and have submitted a legally sufficient FTC Identity Theft Report, along with confirmation from the U.S. Postal Inspection Service that a mail-related crime was committed. Despite this, Experian has refused to remove fraudulent addresses from my credit report, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The XXXX fraudulent addresses in question are : XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX These addresses are inaccurate, unauthorized, and tied to criminal activity, which has already been reported and documented. The only valid address that should remain on my credit report is : XXXX XXXX XXXX XXXX, XXXX, SC XXXX FCRA XXXX, a consumer is not required to submit a traditional police report if a valid FTC Identity Theft Report is provided. Experians insistence that I must prove my FTC report was received by law enforcement contradicts federal law. Their refusal to comply with 605B ( identity theft blocking ), 1681c ( accurate reporting ), and 1681i ( timely reinvestigation and correction of disputes ) constitutes willful noncompliance. 

I am attaching the following documents to this complaint : FTC Identity Theft Report U.S. Postal Inspection Service Crime Report Confirmation Proof of address and ID A record of all correspondence with Experian To date, Equifax has already removed the same addresses, confirming the legitimacy of my documentation. However, Experian continues to ignore federal protections and is obstructing my rights. 

This matter is being escalated, and failure to resolve this dispute will result in further legal and regulatory action. 

Cc : 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 XXXXXXXX XXXX, XXXX South Carolina Attorney Generals Office I am requesting the Consumer Financial Protection Bureau to require Experian to : 1. Remove the fraudulent addresses immediately 2. Provide written confirmation of these removals 3. Cease all further reporting or reinsertion of this false information Failure to act is a violation of federal consumer protection law.

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 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the debt you claim I owe and to point out multiple violations of consumer protection laws in your collection practices. I do not recognize any obligation to the following collection agencies : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), I request full debt validation, including the original creditors name, account number, total alleged balance, and an itemized statement of all fees, charges, and interest. I also request a copy of the purchase agreement between your agency and the original creditor to substantiate your authority to collect this debt. A complaint has been filed with the Consumer Financial Protection Bureau regarding these concerns.

Additionally, I hereby revoke permission for contact via phone, email, or text. All further communication must be in writing. Your failure to afford me a proper opportunity to dispute this debt, as required under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), is a violation of my rights. Your collection practices have been deceptive and lack required legal disclosures. Furthermore, it is unlawful for [ creditor_name ] to report this debt without providing the disclosures mandated by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

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 2025-07-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: DC

Complaint narrative:
I disputed this collection account due to inaccurate reporting. I requested full validation signed contract, billing history, and proof of ownership but the company failed to provide any documentation. Despite my dispute, the account remains on my credit report, causing unjust damage to my credit. This violates the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I request immediate removal of this unverifiable and inaccurate account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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