vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: MN

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Thank you for addressing this matter promptly. I kindly request a written response detailing the results of your investigation within 30 days, as required by the FCRA. If any item remains unchanged, please provide the name and contact information of the entity that verified its accuracy.

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 2025-08-12 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: IL

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
I open a savings account and buisness account with Valley National Bank online via Valley direct in XXXX made required deposts needed to open account. Note : I was to recieve a large check from a sale of a home, and was told I had to open a buisness account due to it being an llc sale. Anyways, I sold my home which was in an LLC and deposited my check to my buisness account in person at branch and supplied all paperwork and evidence. I then recieved a phone call from Valley customer serviced stating my buisness account would have to be closed because when I initially did the application, I was to select LLC instead of sole prioritior. They gave me no option to fix only said I can remove funds and gave me a date when the account would be closed. After waiting the XXXX buisness day for check to clear, I transferred my funds to my savings account that I also have with Valley. I only had XXXX other desposit near after for XXXX est.Nearly XXXX  months later after I simply need to take some money out. {$3600.00}. I tried to do it via app where it allows up to {$45000.00} to transfer from one bank to another. I verified my outgoing bank as it is required to sign in the outside banks account. I clicked initiate transfer. They sent me an email that my online transfers have been limited and I can not do any online transfers. I was furious. I need my money. This was on XXXX. XXXX I call them and go to the branch and both have no answer why. In fact, now my account is on hold and I can not even withdraw at the branch. It is now Wednesday and after XXXX phone calls and XXXX visits to the branch, I still have no answer, no resolution, and need my money. This is wrong, this is unfair. To punish before having reasonable evidence of anything wrong doing. To not only put my transfers to be limited, but put a hold on my entire account to suffacate my living entirely. I need my money. People have bills. To put a hold on the entire account for no reason other then stating its suspicious that a person wants to transfer money is absurd. A reasonable proof must be needed to do this. I called and verified everything and still was told sorry you must wait for investigator. This is wrong and the even blocked me from seeing my account on app or online.at the end of the story, they will put back account and a sorry. But the entirety is messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: NY

Complaint narrative:
Subject : Demand for Validation Under 15 U.S.C. 1692g Cease Collection and Remove Account To Whom It May Concern, This letter serves as a formal demand that you IMMEDIATELY CEASE all collection activities regarding the alleged debt referenced in your recent communication.

Under 15 U.S.C. 1692g, you are legally obligated to provide full debt validation upon request. Consider this notice my demand for complete and itemized verification of this debt, including : A copy of the original signed contract or agreement bearing my signature Full accounting and itemized breakdown of the alleged amount Proof of your legal standing to collect on this account, including chain of custody or assignment from the original creditor The name and address of the original creditor Until such documentation is produced, you violate federal law, and any attempt to report this account to a credit bureau, contact me again, or escalate collection efforts will be considered a willful breach of 15 U.S.C. 1692e and 1692d, prohibiting false representation and harassment.

If you fail to comply within 15 calendar days, I will proceed with filing formal complaints to the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney Generals Office. I will also consider civil litigation for damages associated with harassment, defamation, and emotional distress. 

This is not a negotiation it is a demand grounded in federal law. You may either comply or face direct legal consequences. 

These are the accounts : Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX Account Number : 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 2025-08-12 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: MI

Complaint narrative:
I have disputed multiple inaccurate items on my Experian credit report. Experian has verified these items without providing documentation or proof of how the accounts were verified. I have requested a Method of Verification under FCRA 611 ( 15 U.S.C. 1681i ), but Experian has failed to produce the required details or supporting documents. This is a violation of my rights under the FCRA, FACTA, and XXXX XXXX reporting standards. Experian has failed to correct or remove unverified accounts, despite multiple disputes and supporting documentation provided by me. I am seeking the Consumer Financial Protection Bureaus assistance in compelling Experian to provide full documentation of verification or remove the inaccurate accounts from 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 2025-08-12 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: MN

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 

Thank you for addressing this matter promptly. I kindly request a written response detailing the results of your investigation within 30 days, as required by the FCRA. If any item remains unchanged, please provide the name and contact information of the entity that verified its accuracy.

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 2025-08-12 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: MN

Complaint narrative:
I did not apply for credit with these companies, nor did I authorize them to access my credit report. Under the Fair Credit Reporting Act ( FCRA ), only entities with a permissible purpose and my consent may pull a hard inquiry on my credit file.

I request that these inquiries be removed from my credit report immediately. Attached are the following documents to support my claim : A copy of my government-issued ID A copy of a recent utility bill or bank statement to verify my address A copy of my credit report highlighting the fraudulent inquiries If these inquiries are not removed, please provide me with documentation showing proof that I authorized each of these inquiries.

Additionally, I am placing a fraud alert on my credit file and have reported this matter to the Federal Trade Commission ( FTC ) via XXXX. 

Please investigate this matter and correct my credit report as soon as possible. I expect a written response within 30 days, as required under the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 

Thank you for addressing this matter promptly. I kindly request a written response detailing the results of your investigation within 30 days, as required by the FCRA. If any item remains unchanged, please provide the name and contact information of the entity that verified its accuracy.

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 2025-08-12 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-08-12 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XX/XX/year> Transunion, Equifax and Experian Re : Willful Noncompliance with 15 U.S.C. 1681c-2 Identity Theft Blocking Request To Whom It May Concern : On June 8, 2025 I submitted a dispute and identity theft blocking request under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ) for the immediate blocking and deletion of fraudulent accounts appearing on my credit file. My submission included all required documentation, specifically : FTC Identity Theft Report Copy of my government-issued ID Statement identifying the accounts as fraudulent and the result of identity theft You received these materials on XX/XX/year>, as confirmed by the tracking portal of the CFPB.

Under 15 U.S.C. 1681c-2 ( a ), you are required to block the reporting of such information within XXXX ( XXXX ) business days of receipt. Your continued reporting of these fraudulent accounts beyond that statutory deadline constitutes willful or negligent noncompliance with federal law.

Please be advised : 15 U.S.C. 1681n provides that any person who willfully fails to comply with the FCRA is liable for actual damages, statutory damages of {$100.00} {$1000.00} per violation, punitive damages, and attorneys fees.

15 U.S.C. 1681o provides that any person who negligently fails to comply with the FCRA is liable for actual damages and attorneys fees.

Your failure to comply not only violates my rights under the FCRA but also exposes your agency to statutory and punitive damages in addition to regulatory penalties.

I hereby demand that you : 1. Immediately block and permanently delete all information related to the fraudulent accounts identified in my original request dated [ original date ].

2. Provide written confirmation that these deletions have been completed.

3. Furnish me with an updated credit report reflecting these corrections. 

If you do not provide full compliance within XXXX ( XXXX ) calendar days of your receipt of this letter, I will : File complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. 
Initiate legal proceedings to recover statutory, actual, and punitive damages as allowed under 15 U.S.C. 1681n & 1681o.

You are on notice that your agencys actions ( or inaction ) are being documented for evidentiary purposes. 

Sincerely, 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 2025-08-12 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: MN

Complaint narrative:
I did not apply for credit with these companies, nor did I authorize them to access my credit report. Under the Fair Credit Reporting Act ( FCRA ), only entities with a permissible purpose and my consent may pull a hard inquiry on my credit file.

I request that these inquiries be removed from my credit report immediately. Attached are the following documents to support my claim : A copy of my government-issued ID A copy of a recent utility bill or bank statement to verify my address A copy of my credit report highlighting the fraudulent inquiries If these inquiries are not removed, please provide me with documentation showing proof that I authorized each of these inquiries. 

Additionally, I am placing a fraud alert on my credit file and have reported this matter to the Federal Trade Commission ( FTC ) via XXXX. 

Please investigate this matter and correct my credit report as soon as possible. I expect a written response within 30 days, as required under the FCRA

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 2025-08-12 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: CBC Companies, Inc.
State: WA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
During the COVID-19 payment pause, my federal student loans were automatically placed on hold. Prior to this, I was enrolled in autopay with XXXX, my previous loan servicer, and made consistent monthly payments. When the payment pause ended, Aidvantage became the new servicer. They sent a single email to an inactive email address, inquiring whether I wished to continue autopay. Due to my lack of response, they XXXX autopay without further attempts to contact me via phone, mail, or an active email address. Additionally, I never received any 30- or 60-day delinquency notices. 

I only became aware of the issue when I noticed my credit score had dropped from nearly XXXX to XXXX due to a delinquency reported by Aidvantage on my credit report. On XX/XX/year>, I initiated disputes with Aidvantage and all three major credit bureaus. on XX/XX/year> AidVantage sent a letter saying it was under review. On XX/XX/year>, Aidvantage denied my dispute. On XX/XX/year>, I reopened the dispute, requesting the following documentation : All records of Aidvantages attempts to notify me of my payment obligations or delinquency status, including : Dates, times, and methods of contact ( email, phone, or mail ). 

Specific email addresses, phone numbers, or mailing addresses used. 
Full content of each communication, including copies of emails, letters, call logs, or scripts. 

My complete payment history from XXXX prior to the transfer to Aidvantage to confirm my payment status at the time of the transfer. 

Details of the loan repayment restart process post-COVID-19 pause, including : The exact date my repayment obligations resumed. 

All notifications sent regarding the restart and subsequent payment obligations, including any 30- or 60-day delinquency notices issued before reporting to credit bureaus. 

On XX/XX/year>, Aidvantage responded, stating the matter was under investigation. As of XX/XX/scrub>XXXX XXXX I have received no further communication from Aidvantage, despite federal regulations requiring a resolution within 30 days. When I contacted their customer service line, their representatives were unhelpful and discourteous. I request an investigation into Aidvantage for improper repayment notifications and unfair credit reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Called synchrony XXXX @ XXXX XXXX regarding why my payment that was taken on the eighth has not been applied. They basically told me that they can apply it whenever they feel like it during the billing cycle... 

This has happened multiple times.

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