vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
STUDENT LOAN DISPUTE LETTER Date : XX/XX/year> To : U.S. Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Re : Formal Dispute and Demand for Deletion - Account # XXXX Creditor : U.S. Dept of Ed XXXX XXXX / XXXX ( Perkins Loans ) To Whom It May Concern : This letter serves as my formal and lawful demand that you immediately investigate and delete the above-referenced student loan account from all consumer reporting agencies. 

The reporting of this account is inaccurate, incomplete, and violates federal law specifically 15 U.S.C. 1650 ( Private Education Loan protections ) and the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g. 1. Violation of 15 U.S.C. 1650 : Under the Truth in Lending Act amendments for private education loans, lenders must provide full and accurate disclosures, prohibit misleading practices, and ensure proper classification of the loan. I dispute that this loan meets those statutory requirements or that all mandated disclosures and conditions were ever provided. Therefore, you must produce verifiable documentation proving full compliance with 1650. 2. Violation of FERPA : If any part of this loan reporting or verification involved my educational records or personally identifiable information obtained from an educational institution, you are in direct violation of FERPA. Without my signed, dated consent or a valid exception under 20 U.S.C. 1232g, any use or disclosure of those records is unlawful. I hereby demand within 30 calendar days : Complete copy of the original signed promissory note. Chain of title or assignment history from inception to current. All account statements, payment history, and ledger activity. Proof of 15 U.S.C. 
1650 compliance ( all disclosures, fee details, and agreements ). A valid FERPA release or written authorization signed by me permitting disclosure of educational information used to create or verify this loan. If you can not produce the above documentation within the time allowed by law, you must immediately delete all related accounts, tradelines, and negative data from Experian, Equifax, and TransUnion. Failure to comply will result in immediate regulatory complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Department of Education, and the Office of the State Attorney General. I will also pursue all available legal remedies for violations under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and FERPA. You are required to respond in writing within 30 days of receipt of this notice. Sincerely, 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 non-monetary relief
Consumer complaint received 2025-10-21 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: PA

Complaint narrative:
STUDENT LOAN DISPUTE LETTER Date : XX/XX/year> To : U.S. Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Re : Formal Dispute and Demand for Deletion - Account # XXXX Creditor : U.S. Dept of Ed XXXX XXXX / XXXX ( Perkins Loans ) To Whom It May Concern : This letter serves as my formal and lawful demand that you immediately investigate and delete the above-referenced student loan account from all consumer reporting agencies. 

The reporting of this account is inaccurate, incomplete, and violates federal law specifically 15 U.S.C. 1650 ( Private Education Loan protections ) and the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g. 1. Violation of 15 U.S.C. 1650 : Under the Truth in Lending Act amendments for private education loans, lenders must provide full and accurate disclosures, prohibit misleading practices, and ensure proper classification of the loan. I dispute that this loan meets those statutory requirements or that all mandated disclosures and conditions were ever provided. Therefore, you must produce verifiable documentation proving full compliance with 1650. 2. Violation of FERPA : If any part of this loan reporting or verification involved my educational records or personally identifiable information obtained from an educational institution, you are in direct violation of FERPA. Without my signed, dated consent or a valid exception under 20 U.S.C. 1232g, any use or disclosure of those records is unlawful. I hereby demand within 30 calendar days : Complete copy of the original signed promissory note. Chain of title or assignment history from inception to current. All account statements, payment history, and ledger activity. Proof of 15 U.S.C. 
1650 compliance ( all disclosures, fee details, and agreements ). A valid FERPA release or written authorization signed by me permitting disclosure of educational information used to create or verify this loan. If you can not produce the above documentation within the time allowed by law, you must immediately delete all related accounts, tradelines, and negative data from Experian, Equifax, and TransUnion. Failure to comply will result in immediate regulatory complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Department of Education, and the Office of the State Attorney General. I will also pursue all available legal remedies for violations under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and FERPA. You are required to respond in writing within 30 days of receipt of this notice. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NEW YORK COMMUNITY BANCORP INC
State: OH

Complaint narrative:
I did open this account or authorized for this to be opened please remove from credit report

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 2025-10-21 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: OH

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-21 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-10-21 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: Early Warning Services, LLC
State: FL

Complaint narrative:
Subject : Identity Theft and Unauthorized Use of Personal Information Request for Removal from Early Warning Services System Dear Consumer Financial Protection Bureau, I am writing to formally report identity theft and request an investigation into the unauthorized use, sale, or trading of my personal information. I recently discovered that my data was used without my consent and placed into the Early Warning Services system. 

I did not authorize any person, business, or institution to use, transfer, or report my information to EWS or any related financial reporting databases. This constitutes a violation of my rights and falls under Florida Statute 817.568 ( Identity Theft Law ), which makes it illegal to willfully and without authorization use another persons identifying information for fraudulent purposes. 

I am requesting the immediate removal of my name and personal information from the Early Warning Services system and any affiliated databases or consumer reporting platforms. I have never consented to being included, and I am concerned that this information is being used to restrict my access to financial institutions or services unfairly. 

Please investigate this matter and provide written confirmation once my information has been removed. I also ask for guidance on any additional steps I should take to protect my identity, correct my records, and prevent further unauthorized use of my information. 

Thank you for your prompt attention to this matter. I am prepared to provide any identification, documentation, or affidavits necessary to support my claim and to help facilitate the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The investigation did not fix an error on my report

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 2025-10-21 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:
The investigation did not fix an error on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: CT

Complaint narrative:
I have been receiving calls daily at different hours from different numbers. Sometimes the number has a XXXX area code which is the state i live in. When i answer they ask for my name and dont even let me respond before they start to receit this is an a attempt to collect a debt. Every time i tell them to stop calling and any and all requests are to be sent via mail. i have yet to receive anything. 
So far this week i have received a call XX/XX/XXXX at XXXX, XX/XX/XXXX @ XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX. I could go on dating back to XXXX weeks as to the calls i have been receiving.

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 2025-10-21 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

RESOLUTION : I am not demanding verification nor validation of any of these accounts. These accounts listed SHALL be removed.

I am demanding that the credit reporting agency do what is fair and equitable. I will move for a complaint for small claims for default judgment due to your violations. Per 15 U.S. Code 1681c-2, the credit reporting agency SHALL remove any account I identify as alleged identity theft, and the accounts that SHALL be removed.

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes Act I believe the late payments for this are reporting inaccurately.

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 2025-10-21 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

RESOLUTION : I am not demanding verification nor validation of any of these accounts. These accounts listed SHALL be removed.

I am demanding that the credit reporting agency do what is fair and equitable. I will move for a complaint for small claims for default judgment due to your violations. Per 15 U.S. Code 1681c-2, the credit reporting agency SHALL remove any account I identify as alleged identity theft, and the accounts that SHALL be removed.

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes Act I believe the late payments for this are reporting inaccurately.

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 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
The overdraft fees for Fifth-third are predatory and are designed to keep the consumer in debt. Everyday the account is withdrawn, the bank charges {$35.00} per item, up to 3 items which results in a {$100.00} charge everyday. This is absolutely ridiculous considering most consumers are paid twice a month, resulting in astronomical draft fees to accumulate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation