vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am submitting a formal request for a security freeze to be placed on my consumer file, as provided under 15 U.S. Code 1681c-1 of the Fair Credit Reporting Act ( FCRA ). Under federal law, once a consumer reporting agency receives a valid request along with proper identification, it is legally obligated to place the security freeze within one business day for requests made online or by telephone, and within three business days for requests made by mail. This request is being submitted electronically via the CFPB portal, which qualifies as an online submission directly received by your agency. Accordingly, your statutory obligation is to complete the freeze within one business day of receipt. I have attached my signed request letter and all standard forms of identity verification, including a government-issued ID and proof of address. These documents are sufficient and meet industry standards. I am utilizing the CFPB portal intentionally, to establish a clear, time-stamped, and verifiable record of delivery and agency response. In light of ongoing litigation and regulatory scrutiny involving consumer reporting agencies ' failure to fulfill statutory duties, this submission route serves as a preemptive safeguard against noncompliance. It also eliminates the possibility of lost requests, manufactured delays, or unsubstantiated procedural hurdles. I expect this request to be completed within the timeframe mandated by law, with a formal confirmation and issuance of any required PIN or reference number. Any attempt to delay, ignore, or complicate this process will be treated as a failure to comply with federal law. Be advised that noncompliance is enforceable under 15 U.S. Code 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), and may expose your agency to civil liability, actual and punitive damages, and attorneys fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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:
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 - XX/XX/XXXX - {$0.00} XXXX * * * * - XXXX XXXX - XX/XX/XXXX - {$1700.00} XXXX * * * * - XXXX - XX/XX/XXXX - {$0.00} XXXX * * * * - XXXX - XX/XX/XXXX - {$0.00} XXXX * * * * - XXXX XXXX XXXX - XX/XX/XXXX - {$670.00} XXXX * * - XXXX XXXX - XX/XX/XXXX - {$220.00} XXXX * * * * - XXXX XXXX XXXX - XX/XX/XXXX - {$6600.00} XXXX * * * * - XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$4300.00} Inquiries : XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: CA

Complaint narrative:
Dear CFPB, I am submitting a complaint regarding the inaccurate reporting of my student loan account. This account had previously been deleted from my credit file after an investigation but has now been reinserted without proper verification. 

This reinsertion violates the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) because no notice or new certified evidence was provided. The false reporting has caused a XXXX-point drop in my credit score, directly harming my ability to obtain credit. 

I am particularly concerned given the CFPBs ongoing litigation against this servicer for falsifying and inflating student loan accounts, which raises the likelihood of systemic misconduct. 

I am requesting the CFPBs assistance in ensuring that : The inaccurate account is permanently removed from my credit reports. 

The creditor provides written verification with original documentation if they claim the debt is valid. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: IA

Complaint narrative:
I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: IA

Complaint narrative:
I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the Equifax, Experian, and Transunion data breach.

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 2025-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Earnest Inc.
State: NJ

Complaint narrative:
I am chronically reaching out to these people. This is INSANE that I can not log into my account, I have had these loans for almost 10 years and the log in process does not work. IT does not recognize names, birth dates, social security numbers, nothing. Their hold time to reach an agent is over XXXX hours and you are usually hung up on while waiting. I am at my wits end, PLEASE HELP!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: MI

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. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: IA

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

I kindly ask that you take this information off my credit report within four business days, as stated in section 605C of the Fair Credit Reporting Act. I would be grateful if you could let me know what actions you have taken. Thank you for handling this quickly..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: IA

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

I kindly ask that you take this information off my credit report within four business days, as stated in section 605C of the Fair Credit Reporting Act. I would be grateful if you could let me know what actions you have taken. Thank you for handling this quickly..

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 2025-08-16 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: AZ

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX REPORTED A CHARGE OFF ON MY ACCOUNT WITH NO 1099 FORM ANCCD IT'S CONSTANT SHOWING ON MY CREDIT REPORT AFTER SETTLEMENT HAS BEEN PAID

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 2025-08-16 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: GA

Complaint narrative:
XXXX XXXX REPORTED A CHARGE OFF ON MY ACCOUNT WITH NO XXXX FORM ANCCD IT'S CONSTANT SHOWING ON MY CREDIT REPORT AFTER SETTLEMENT HAS BEEN PAID

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 2025-08-16 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: MI

Complaint narrative:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/2025

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 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I signed onto my Bank of America mobile app and noticed that I had XXXX transactions/debits totaling just under {$1300.00} so I called their customer service number to ask about this. I was told that the debits were from a claim I had made against a company called XXXX that kept charging me for a solitaire game which I have never had or used in any way. I was told that I would have to call back the next day to talk to a claims XXXX which I did. I was told that some of the charges I was not liable for and there were charges I was liable for. I asked him how did the bank come to that conclusion and I would like it also mailed to me. He said that information isnt available to me it would have to be subpoenaed. He then put me on mute or hold for XXXX minutes then came back just to ask me if I was calmed down now. I told him I no longer wanted to be Bank of Americas customer after 31 years so he deleted my account he then said he wont delete my savings account because I owe a {$5.00} service fee. I told him good luck on ever getting that from me then I hung up. 

The next day I received an email from the United States XXXX about a purchased I made around XXXX which was processed and debited from my account then, the email stated that Bank of America recently withdrew my payment and that I would have to submit a new payment method for the purchase. Again this transaction had already been previously processed and debited. It was never put back in my account either. Furthermore I received an email yesterday from XXXX saying that my account is suspended because Bank of America has after already processing and debiting my account they then somehow take that money back but never putting it back into my account. This is not a matter of insufficient funds because I had taken an early withdrawal from my XXXX due to becoming XXXX and losing my job for my driver license being medically revoked. It seems that bank of American is stealing money from my account. The fraudulent charges to my account that was around {$1300.00} plus the us mint charge of {$120.00} were already processed and cleared come to XXXX I am just waiting on XXXX to confirm how many purchases Bank of America has stolen from me there.

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 monetary relief
Consumer complaint received 2025-08-16 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:
XXXX XXXX XXXX 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 XXXX. 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 - XX/XX/XXXX - {$3700.00} XXXX * * * * - EXXXX XXXX XXXXXX/XX/XXXX - {$4800.00} XXXX * * * * - XXXX XXXX  XX/XX/XXXX - {$2300.00} XXXX * * * * - XXXX XXXX XXXXXX/XX/XXXX - {$5900.00} XXXX * * * * - XXXX XXXX XX/XX/XXXX - {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$2300.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX CAP XXXX NA - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: AL

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 - XX/XX/XXXX - {$0.00} XXXX * * * * - XXXX XXXX - XX/XX/XXXX - {$1700.00} XXXX * * * * - XXXX - XX/XX/XXXX - {$0.00} XXXX * * * * - XXXX - XX/XX/XXXX - {$0.00} XXXX * * * * - XXXX XXXX XXXX - XX/XX/XXXX - {$670.00} XXXX * * - XXXX XXXX - XX/XX/XXXX - {$220.00} XXXX * * * * - XXXX XXXX XXXX - XX/XX/XXXX - {$6600.00} XXXX * * * * - XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$4300.00} Inquiries : XXXX - XX/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