vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Experian continues to report an illegal debt on my credit profile. Ive disputed it at least 15 times. They drop my credit score and tell me the investigation proved the debt collection is Accurate. Thats impossible because Ive checked with the courts and I sent all 3 credit agencies proof that the judge did not grant a money judgement. I also sent proof that the balance couldve have been {$7600.00} not {$19000.00} but they continue to tell me the debt is confirmed.

Michigan law states If the right to the occupancy of the land is terminated by the act of the landlord in evicting the tenant, the obligation to pay rent ceases. ... It follows that an action by the landlord can not be maintained for rent after eviction, Michigan law says the landlord has to receive a money judgement. Please remove this illegal action from my credit profile. I dont owe XXXX XXXX XXXX XXXX holding money. 
The law also says you can not write off debt and still collect. So please provide proof that your client did not write off this debt or take a tax deduction, they did not receive any government assistance due to covid-19 for the lost of income during covid.

Ive wrote this letter to National credit system and sent same info to Experian x It is illegal to collect on a closed account. I XXXX XXXX did not agree to settle any debt and I have not agreed that I owe any debt. My information should not have been shared with a 3rd party. Please stop violating my rights. Your negative actions has cause me financial hardship and prevented me from purchasing a home for my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have repeatedly disputed multiple unauthorized hard inquiries, fraudulent accounts, and an inaccurate XXXX XXXX XXXX with TransUnion, XXXX, and XXXX. The bankruptcy cases ( Nos. XXXX, XXXX, XXXX ) were dismissed, yet they remain on my reports. These items are the result of identity theft. I am also a documented XXXX  XXXX survivor, and the continued reporting violates the FCRA, VAWA, and RCW 70.123.075 protections for XXXX victims. Despite years of disputes, the credit bureaus have failed to investigate or remove the information, causing ongoing harm and privacy risks.

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 2025-08-10 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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:
My name is XXXX XXXX XXXX and I am writing this letter on my own behalf to formally dispute inaccurate and fraudulent accounts listed on my credit report as directed result of identity theft pursuant to my rights under the FCRA 15 USC 1681. These following accounts were opened and used without my knowledge or consent and are materially impacting my creditworthiness, including denial of credit, employment opportunities, and housing eligibility. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Under FCRA 1681i you are required to conduct a reasonable reinvestigation of this disputed information within 30 days. I have informed all debt collectors and lenders the debts are due to identity theft but no action has been taken. I have also provided my current ID and utility bill for your review. Furthermore, under FCRA 1681c-2, I am exercising my right to request the blocking of all information resulting from identity theft. I demand that you immediately delete these accounts from my credit file and provide written confirmation of your compliance. Failure to act in accordance with the federal law will result on legal action for damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 2025-08-10 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-10 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Company went into bankruptcy, dispute several time charging interest Big lots would like deleted off my credit report. FCRA 623 ( a ) 1 ( A ) UCC-9-611 UCC 9-613

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
this is a charged-off account, I believe this debt is not owed, either because it was already paid in full to the original creditor, and sold to a new creditor ( or collection agency ) with whom you have no direct contract or relationship. they failed to provide proof you owe the debt and/or proof they have the legal right to collect it. this debt ( especially if it was paid or is incorrect ). This is being inaccurately reported on your credit report, which is harming your credit score. you never signed a contract with this new creditor/collection agency and they can not provide proof that you owe them money. They need to stop all collection attempts. All inaccurate entry need to be removed from your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Fresh Holdings Inc
State: AZ

Complaint narrative:
I contacted credit fresh at the end of XXXX to set up a settlement agreement. I got yelled at, and had to file a complaint against them, so at the beginning of the year I got in touch with a XXXX who helped me set up a settlement Payment plan. I paid every payment on time. At some point, the XXXX I was dealing with, XXXX, stopped responding and someone named XXXX XXXX, starts responding in email. He never once called me like XXXX would. He wanted me to start paying more, I explained to him that XXXX about to go on an unpaid maternity leave and XXXX willing to continue with the settlement payment I was already paying but need to keep the payment the same right now. He kept going back and forth on email, and it was starting to become confusing because he initially said no, then he offered a new settlement offer. He told me he would only offer that settlement if I gave up my banking information. Mind you, Ive been paying the previous settlement manually, and on time. I told him I wasnt comfortable giving over my bank account information because I had literally just had to open an entirely new account because my other one had become compromised from a data breach. I asked if I can give a debit card, but I didnt understand why it was necessary to keep my account info on file when I hadnt missed a settlement payment yet. I told him collections was also calling me and to please relay to them that we are discussing payment plans. He told me they wont stop calling until I provide my bank info. I asked if I can do it through a secure portal, because I work from early morning to late at night. Its hard to step away and get on the phone and I wasnt comfortable discussing that with collections when I was discussing payment agreements with a supervisor, and I questioned this as well, why he was making me speak to them if him and I were discussing it? I also asked if I could just make manual payments for now? Because the first payment was going to be setup for XX/XX/XXXX. I then became XXXX  and I was out for a few days. I told him I was XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, and I told him couldnt speak right now. Within 2 days credit fresh reported my account as delinquent, and they didnt even report it accurately because I had been in active settlement since the beginning of XXXX. So they intentionally damaged my credit report, but XXXX XXXX never ONCE called me to discuss options, didnt give me a direct line to call him. So now, I dont care. Im not entering into settlement if they are going to purposely damage my credit score even after Ive been paying them. I also asked for this settlement agreement in writing ( which was provided previously when I entered into settlement with them ) and he didnt provide that same breakout and told me that it would only be provided once I give my banking information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL

Complaint narrative:
pennymacs insurece depart does not answer any of our question when we reach out! 
we done repairs on one of there clients house. 
will XXXX is his name. i am the XXXX  of XXXX XXXX XXXX  a XXXX XXXX  that they the client reached out for repairs and we went through with reapirs after signing contracts with client and pennymac! penny mac sent half in the begining and when we completed we was to get remaining when we completed and we completed job around XX/XX/year>2023! we have sent certified mail to client the client will not answer or respond. we have signed contract with pennymac they will not pay us! we are a small very small business and this has pretty much closed our doors almost because of the amount we have put foward towards this job. so we are having to take action now and have sometime done about this! we have gave plenty of time and chances to make this sitution right! this is agenst the law what pennymac is doing!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: CA

Complaint narrative:
Intent to Sue TransUnion and Equifax for FCRA Violations I am filing this complaint to document ongoing violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion and Equifax. 

Both agencies are continuing to report inaccurate and fraudulent information on my credit reports despite my multiple disputes, which included all required documentation under 15 U.S.C. 1681c-2, including : - FTC Identity Theft Report ( Report # XXXX ) - XXXX XXXX Police Department Identity Theft Report ( Case # XXXX ) See attached Exhibits A-L.

The most significant inaccuracy is a fraudulent XXXX  that is the direct result of identity theft. This XXXX  should have been removed under the FCRA, yet both agencies have failed to block it as required by law. They have ignored these notices and continue to harm my credit profile and reputation Their actions violate the following FCRA provisions : - 15 U.S.C. 1681c-2 Failure to block information resulting from identity theft upon proper documentation.

- 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to reinvestigate disputed information within the 30-day statutory period.

- 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy of consumer reports.

- 15 U.S.C. 1681n & 1681o Willful and negligent noncompliance.

I have already issued Notices of Intent to Sue to both TransUnion and Equifax, giving them final opportunities to comply before litigation. See attached Exhibits 1-2. 

I am requesting CFPBs immediate investigation and enforcement action to compel TransUnion and Equifax to : 1. Permanently delete the fraudulent bankruptcy from my credit file.

2. Remove all other identity theft-related entries.

3. Ensure compliance with FCRA accuracy and reinvestigation requirements. 

Failure to resolve this matter will result in me filing a lawsuit seeking statutory, actual, and punitive damages.

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 2025-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank Of America has totally disrupted my business. 

We tried to do two wire transfers, one XXXX to XXXX XXXX, another to my personal account with another XXXX based bank. BOA has blocked both of these transfers saying they look suspicious. After trying to clear this up on the phone and reassuring them we initiated these transfers, we need to get things moving. They then actually locked us out of our account, we only see a message 'call your bank ' when trying to log in. 

We called several times and the bank insists that I visit them personally with two peices of ID to re-verifiy myself. I sent my Mother there with my power of attorney but the bank says its not good enough, the POA has to specifically mention the bank account on it. 

I am in XXXX, my business is based here. I have no choice but to book a ticket to XXXX XXXX  first thing next week to clear this up in person.

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 2025-08-10 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: NJ

Complaint narrative:
I, hereby state that my personal and financial information was exposed as a result of a data breach. I have reason to believe that the exposure of my information directly resulted in the theft and fraudulent use of my identity. 

After learning of the breach, I began experiencing the following issues : Unauthorized inquiries and applications for credit in my name that I did not initiate. 

Accounts opened without my knowledge or consent. 

Fraudulent transactions and attempts to obtain funding using my personal information. 

I did not authorize any of these activities. I am the victim of identity theft and have suffered financial and personal harm as a direct result of this fraudulent activity. 

This statement is provided to assist in the investigation of this matter and to establish that any accounts, inquiries, or transactions in my name, other than those I personally authorized, are the result of identity theft and should not be attributed to me. 

I request that all consumer reporting agencies and relevant institutions : XXXX and remove all fraudulent accounts and inquiries related to the identity theft. 

Company or Organization : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2800.00} Fraudulent XXXX XXXX Account XXXX XXXX Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$6100.00} Fraudulent Checking or Savings Account XXXX XXXX Organization : XXXX  XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$130.00} Fraudulent Personal or Business XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : Date fraud began : Date that I discovered it : XX/XX/XXXX XX/XX/XXXX Total fraudulent amount : {$3200.00} Fraudulent Personal or Business XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Organization : XXXX Account Number : Date fraud began : Date that I discovered it : XX/XX/XXXX XX/XX/XXXX Total fraudulent amount : {$11000.00}

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 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
I invested my money in Coinbase I bought XXXX  I sold it. I have {$7300.00} just sitting in that account every time I go to withdraw it it says restricted we are keeping your money safe from potential losses. How was it a loss if its my money and its just sitting idle and theyre checking account its been XXXX XXXX XXXX  and I havent been able to access it or withdraw it. I tried calling them. They told me its on hold and theres no timeframe on when the hold will be lifted. I was like how thats my money. I need it back. They said we can not help you any further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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