vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 a collections account opened at XXXX XXXX XXXX on XX/XX/year> with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries 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, or 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries 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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I called to put my XXXX loan on deferment and was approved for 1 year. 6 months later I received a notice saying I'm being put on collection. I called to find out what happened and explained that I was eligible and approved for 1 year deferment. The people on the phone said that they are not going to change it, I also asked for them to check and provide me with the recorded conversation and they refuse to provide it saying it was not recorded. The situation was that I was approved XX/XX/XXXX and was supposed to end XX/XX/XXXX. The agent made a mistake and entered the deferment for XX/XX/XXXX and ends XX/XX/XXXX. I raised this issue and they said that the line dropped and I never called back, which is why i asked for recorded conversation. They refuse to fix this issue and have dropped my credit score and rating. This is affecting my personal and professional life and I do not thing this is fair.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I called to put my student loan on deferment and was approved for 1 year. 6 months later I received a notice saying I'm being put on collection. I called to find out what happened and explained that I was eligible and approved for 1 year deferment. The people on the phone said that they are not going to change it, I also asked for them to check and provide me with the recorded conversation and they refuse to provide it saying it was not recorded. The situation was that I was approved XX/XX/XXXX and was supposed to end XX/XX/XXXX. The agent made a mistake and entered the deferment for XX/XX/XXXX and ends XX/XX/XXXX. I raised this issue and they said that the line dropped and I never called back, which is why i asked for recorded conversation. They refuse to fix this issue and have dropped my credit score and rating. This is affecting my personal and professional life and I do not thing this is fair.

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 2025-07-09 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-07-09 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:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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 2025-07-09 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: FL

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 non-monetary relief
Consumer complaint received 2025-07-09 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: DISCOVER BANK
State: GA

Complaint narrative:
Discover Card has failed to provide a charge-off letter as previously requested, violating my rights under the FCRA. The account in question has been marked as a profit and loss write-off, yet Discover continues to update it monthlydespite it being deemed uncollectible and reported to the IRS, which legally constitutes debt cancellation. Per 15 U.S.C. 1681s-2, furnishers are prohibited from reporting information they know or have reason to believe is inaccurate, and under 15 U.S.C. 1681e ( b ), the credit bureaus have a legal obligation to ensure maximum possible accuracy. This monthly reporting is not only misleading and damaging, but its also illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
I am filing a complaint against Current Bank due to an unresolved dispute totaling {$8100.00}. Since XX/XX/year>, I have been locked out of my account after my phone was stolen. Despite recovering the device and contacting Current Bank multiple times through calls, emails, and mailed correspondence, I have not been granted access to my account or received any proper resolution. 

The only communication Ive received has been generic updates through the appwhich I can not access due to the lockout. I have sent countless emails, called numerous times, and was promised a follow-up in a few days that turned into weeks, then months, with no actual response or refund. 

It is now over a year since the fraud occurred, and I still have no access to my account, no refund, and no formal explanation. I have mailed a formal dispute to their XXXX office at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, with no acknowledgment. 

This is an extreme case of negligence that has caused significant financial harm and emotional stress. I am asking the CFPB to assist in pressuring Current to properly review this dispute, provide a written resolution, and issue a full refund of the missing {$8100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA
State: VA

Complaint narrative:
I called to put my XXXX  loan on deferment and was approved for 1 year. 6 months later I received a notice saying I'm being put on collection. I called to find out what happened and explained that I was eligible and approved for 1 year deferment. The people on the phone said that they are not going to change it, I also asked for them to check and provide me with the recorded conversation and they refuse to provide it saying it was not recorded. The situation was that I was approved XX/XX/XXXX and was supposed to end XX/XX/XXXX. The agent made a mistake and entered the deferment for XX/XX/XXXX and ends XX/XX/XXXX. I raised this issue and they said that the line dropped and I never called back, which is why i asked for recorded conversation. They refuse to fix this issue and have dropped my credit score and rating. This is affecting my personal and professional life and I do not thing this is fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: PA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: NY

Complaint narrative:
PNC Bank is engaging in XXXX  Consolidated Stats 3922.1. Financial exploitation of an older adult or care-dependent person. 

The joint account owner is elderly and alleged incapacities in need of a guardian. PNC Bank legal department in XXXX was given court records and complaints filed with FBI and XXXX XXXX XXXX XXXX XXXX about this issue. Fraud and criminal behavior.

This was known by the branch manager, and their staff. Yet, someone entered a branch in XXXX XXXXXXXX XXXX, using a stolen identity, and withdrew all funds from both of my accounts. No notice as given and no fraud alert was set off. 

Upon talking with PNC they were concerned. The joint account holder is disabled and in a wheelchair. She could not have gone to the bank alone and done this, as the clerk had said. Investigations stalled.

This is 2713. Neglect of care-dependent person by PNC Bank , who was aware of the criminal behavior by the joint account holders associates.

Overall, PNC Bank has violated 12 CFR 9.12 and 9.13 for mismanagement of their customers assets and funds, that have been withdrawn and attempted to be deposited in another financial institution, entrapping this new bank in illegal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: MI

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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 has failed to provide a charge-off letter as previously requested, violating my rights under the FCRA. The account in question has been marked as a profit and loss write-off, yet XXXX continues to update it monthlydespite it being deemed uncollectible and reported to the IRS, which legally constitutes debt cancellation. Per 15 U.S.C. 1681s-2, furnishers are prohibited from reporting information they know or have reason to believe is inaccurate, and under 15 U.S.C. 1681e ( b ), the credit bureaus have a legal obligation to ensure maximum possible accuracy. This monthly reporting is not only misleading and damaging, but its also illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
RE : URGENT DISPUTE FRAUDULENT inquiries UNDER 15 U.S.C. 1681c-2 FILED FTC REPORT XXXX XXXX XXXX Dear Equifax, This letter is a formal dispute under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2, also known as Section 605B, regarding multiple fraudulent items listed on my credit report due to identity theft. I am a victim of identity theft and did not open, authorize, or have any knowledge of the following inquiries now harming my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S.C. 1681c-2, once you receive : 1. A valid identity theft report, and 2. Proof of my identity, You are legally required to block the fraudulent information from appearing in my file within 4 business days of receipt. Attached are the following documents : A copy of my government-issued ID A utility bill or proof of residence A copy of the FTC Identity Theft Report A signed affidavit confirming I did not open or authorize these inquiries

Company response to consumer: Closed with non-monetary relief