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

Complaint narrative:
I am writing to formally dispute and request the immediate removal of fraudulent accounts that have been reported on my credit report. These accounts were opened or reported as a result of identity theft, and I did not authorize or initiate them. 

ACCOUNTS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FTC REPORT REFERENCE NUMBER : XXXX Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights under the following provisions : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires consumer reporting agencies to block information resulting from identity theft within 4 business days of receiving appropriate proof of identity, a copy of a police report or FTC Identity Theft Affidavit, and a written request. 
FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) : Entitles me to dispute and receive notification regarding negative information resulting from identity theft.

FCRA 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) : Prohibits data furnishers from reporting information they know is the result of identity theft.

In accordance with these legal protections, I demand that the following fraudulent accounts be permanently removed and blocked from all of my credit reports within the 4-business-day period as required by law. Furthermore, I request that all collection activity related to these accounts be immediately ceased. 

Please consider this a formal dispute and request for action under federal law. I expect a written confirmation of the removal and blocking of these items.

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 2025-07-08 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: PA

Complaint narrative:
I am writing to formally dispute and request the immediate removal of fraudulent accounts that have been reported on my credit report. These accounts were opened or reported as a result of identity theft, and I did not authorize or initiate them. 

ACCOUNTS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FTC REPORT REFERENCE NUMBER : XXXX Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights under the following provisions : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires consumer reporting agencies to block information resulting from identity theft within 4 business days of receiving appropriate proof of identity, a copy of a police report or FTC Identity Theft Affidavit, and a written request. 
FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) : Entitles me to dispute and receive notification regarding negative information resulting from identity theft.

FCRA 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) : Prohibits data furnishers from reporting information they know is the result of identity theft.

In accordance with these legal protections, I demand that the following fraudulent accounts be permanently removed and blocked from all of my credit reports within the 4-business-day period as required by law. Furthermore, I request that all collection activity related to these accounts be immediately ceased. 

Please consider this a formal dispute and request for action under federal law. I expect a written confirmation of the removal and blocking of these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I have tried disputing this account. I have no knowledge of this account. I have not signed, or provided my social security number for authorization of this to be on my credit report. As per USC 1681 ( c ) ( 2 ), 1 believe these reports may have been result of identity theft. The information is not information relating to any transaction by me as a consumer.

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 2025-07-08 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: TX

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

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I am filing this formal complaint against Professional Debt Mediation , Inc. ( PDM ) for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

On XX/XX/year>, I sent PDM a Cease and Desist Notice under 15 U.S.C. 1692c ( c ), explicitly requesting that they : Cease all communication with me via phone or any other medium besides written mail.

Validate the alleged debt in writing, as required by the FDCPA.

My cease and desist notice clearly demanded that ALL communications cease immediately, except for written responses by mail for validation of alleged debt. Despite this legal notice, PDM has continued to call and harass me, contacting me XXXX times via telephone since XX/XX/year>. I have attached : The cease and desist notice dated XX/XX/year> ( sent via email and XXXX mail ). 

My phone call logs showing XXXX calls from PDM after receipt of my cease and desist. 

Two letters from PDM dated XX/XX/year>, and XX/XX/year>, admitting they have been attempting to contact me by phone. 

These actions constitute willful violations of 15 U.S.C. 1692c ( c ), which prohibits further communication once a cease and desist has been sent, except to notify the consumer of specific legal actions.

Furthermore, their repeated phone calls constitute harassment under 15 U.S.C. 1692d ( 5 ), which prohibits causing a telephone to ring repeatedly with the intent to annoy, abuse, or harass.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I, XXXX XXXX XXXX, am providing this statement of facts regarding my XXXX auto loan account ending in XXXX, which was opened on XX/XX/XXXX, and associated with a XXXX XXXX XXXX XXXX XXXX. 
On or around XX/XX/XXXX, the vehicle was returned to XXXX XXXX XXXX as part of a dealership buyback agreement due to the vehicle qualifying as a lemon under applicable consumer protection laws and manufacturer terms. As a result, the dealership assumed responsibility for paying off the full remaining loan balance directly to XXXX XXXX XXXX. 
Following this transaction, I was released from any further obligation on the loan, and the account was fully satisfied by the dealership. However, instead of reporting the account as Closed Paid in Full or Closed Assumed by Dealer, XXXX has since removed the account entirely from my credit reports, which has negatively affected my credit score and erased a valid account history.

This account was in good standing at the time of the buyback and should not reflect as deleted or removed. I am requesting that XXXX re-report this account accurately with the appropriate closed and paid status to all three major credit bureaus.

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

Complaint narrative:
I am filing this complaint regarding inaccurate and inconsistent reporting of an account from XXXX XXXX  on my credit reports with Experian and Equifax. 

This account is being reported as charged off, with a {$1400.00} balance and severe delinquency history. However, there are significant discrepancies in how this account is reported across the credit bureaus : Delinquency Dates & Charge-Off History : Experian reports the delinquencies beginning in XX/XX/XXXX, while Equifax reports the first delinquency in XX/XX/XXXX. The payment histories, charge-off dates, and delinquency progressions are inconsistent between the two reports.

Narrative Codes/ Comments : Both reports state First Payment Never Received, but payment histories on Equifax reflect varying amounts and dates that contradict this statement. These conflicting notations raise concerns about inaccurate reporting of payments and account status. 

Balance and Terms Discrepancies : Both reports reflect slightly different high balances and payment histories, further indicating inconsistent reporting of this account. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681i ( a ), credit bureaus are required to ensure maximum possible accuracy of information and to properly investigate disputes. I have already filed disputes with the credit bureaus regarding this account, but the inconsistencies remain unresolved.

This inaccurate and inconsistent reporting is damaging my creditworthiness, affecting my ability to obtain credit, and causing financial harm.

Requested Resolution : Full reinvestigation of this account.

Correction of inaccurate information regarding payment history, delinquency dates, balance details, and charge-off status. 

Deletion of unverifiable or inaccurate information per the FCRA. 

Written confirmation of results and updated credit reports.

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

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion and Experian will investigate this account for me to ensure accuracy Here is the account l am asking you to verify as accurate : XXXX Account 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 2025-07-08 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: FL

Complaint narrative:
I received a copy of my credit report and noticed it had an account that I didnt recognize.

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 2025-07-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Approximately one year ago, the attorney of the opposing party in a legal case issued a subpoena to Citizens Bank requesting my account records. I recently discovered that the bank released all of my personal banking information without ever notifying me.

I was not given any notice, nor an opportunity to object or respond. To the best of my knowledge, no court-ordered non-disclosure or gag order was attached to that subpoena.

I believe this was a violation of my privacy rights and may have impacted my case and well-being. I am requesting that the CFPB investigate whether Citizens Bank followed proper procedures, and why I was not notified of the release of my information. 

Thank you for your attention to this matter

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

Complaint narrative:
XXXX XXXX, XXXX : XXXX, XXXX XXXX This CFPB complaint has been filed a second time due to FTC report not uploaded with complaint to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the Transunion credit reporting agencies and Equifax 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 personal credit card accounts such as these : Account Name : XXXX XXXX XXXX  : XXXX ( Account Number : XXXX, Dated Opened XXXX Owed {$750.00} ), XXXX XXXX XXXX XXXX  : Account XXXX XXXX XXXX XXXX Opened XXXX, XXXX, XXXX, Amount Owed {$460.00} ), XXXX XXXXXXXX : Original Creditor XXXX XXXX XXXX Account XXXX : Opened XX/XX/XXXX, Amount Owed {$7400.00} ), XXXX XXXX  : Account Number XXXX ( Date Opened XXXX, XXXX, XXXX, Amount Owed {$3900.00} ), Credit Inquiry XXXX XXXX on XX/XX/XXXX XXXX These accounts have resulted in several collections appearing on my consumer FICO credit report. The aforementioned accounts, collections appearing on my credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections area a result of identity theft and fraud. I have attached a copy of the FTC identity theft Criminal Complaint # XXXX case number as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, and collections are the result of identity theft and fraud.

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 2025-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: IL

Complaint narrative:
I am currently in the grace period for my federal student loans and have taken proactive steps to begin repayment by making consistent monthly payments. Despite this, I am being blocked from enrolling in autopay until the grace period ends. As a result, I can not access the advertised 0.25 % interest rate reduction even though Im demonstrating responsible repayment behavior.

Whats especially concerning is that during the grace period, servicers take no proactive steps to encourage repayment or reduce interest burden. Instead, interest continues to accrue, and borrowers are discouraged from paying early by the absence of autopay benefits and lack of loan targeting tools. This structure clearly benefits loan servicers financially at the borrowers expense and seems intentionally designed to maximize interest charges during a time when many borrowers think they can not pay. 
It feels exploitative and counter to the principles of fairness and transparency in student loan servicing.

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

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$370.00} Inquiries 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 2025-07-08 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XXXX account number ( XXXX ), credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX account number ( XXXX ), credit card account opened at XXXX XXXX XXXX XXXX on XXXX account number ( XXXX ), credit card account opened at XXXX XXXX XXXX XXXX  on XXXX account number ( XXXX ), credit card account opened at XXXX XXXX on XXXX XXXX account number ( XXXX ), credit card account opened at Upstart network XXXXXXXX XXXX on XXXX XXXX account number ( XXXX ). An auto loan account opened at XXXX on XXXX XXXX account number ( XXXX ). A student loan opened at Georgia XXXX XXXX on XXXX XXXX account number ( XXXX ). A student loan opened at XXXX XXXX XXXX XXXX on XXXX account number ( XXXX ). A Mortgage account opened at XXXX XXXX XXXX on XXXX account number ( XXXX ) with a balance of {$10000.00}. A Mortgage account opened at XXXX XXXX XXXX on XXXX account number ( XXXX ) with a balance of {$8100.00}. A secured loan account opened at XXXX XXXX XXXX XXXX on XXXX account number ( XXXX ) with a balance of {$7800.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the collections in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # XXXX as proof from the US Federal Trade Commission that all of 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