vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 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:
I am filing this formal complaint as a consumer asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c-2 ], due to my status as a verified victim of identity theft stemming from a data breach. My personally identifiable informationincluding my full legal name, Social Security number, and other sensitive credentialswas accessed or disseminated without my authorization and has been misused in connection with one or more credit transactions appearing on my consumer report. 

I did not authorize the creation of any such accounts, nor did I give consent for any person, business, or data furnisher to utilize or monetize my information in connection with a credit inquiry, lease, loan, or service agreement. These actions were taken without my knowledge and constitute clear identity misuse as defined by federal statute.

Pursuant to my rights under FCRA 605B, I have submitted an Identity Theft Report to the Federal Trade Commission and provided documentary evidence to the consumer reporting agency ( ies ) and furnishers, including a government-issued ID and proof of residence. Despite this, the inaccurate, fraudulent, and unauthorized data continues to be reported, violating the mandated obligation to block and permanently remove such information within four business days upon proper notice.

I am therefore demanding : 1. The immediate and complete blocking of all information resulting from this identity theft as outlined in 15 U.S.C. 1681c-2 ( a ). 


XXXX. The permanent deletion of any tradelines, inquiries, or data associated with the fraudulent use of my information. 


XXXX. Confirmation that no such blocked information will be redisclosed, sold, or reinserted absent full compliance with FCRA 605B ( c ) and ( d ).

Continued reporting of this informationdespite my valid Identity Theft Reportconstitutes willful noncompliance and is actionable under 15 U.S.C. 1681n and 1681o. I respectfully request the Consumer Financial Protection Bureau investigate the involved partys failure to fulfill their statutory obligations and ensure that this matter is resolved in full accordance with the law.

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 2025-08-03 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: VA

Complaint narrative:
Under Internal Revenue Code 6050P, a creditor ( also called an " applicable entity '' ) is required to file Form 1099-C with the IRS and send a copy to the debtor when they cancel a debt of {$600.00} or more. The creditor, " XXXX XXXX XXXX Bank '' is reporting on my credit report that account is " Charge Off. ''

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Under Internal Revenue Code 6050P, a creditor ( also called an " applicable entity '' ) is required to file Form 1099-C with the IRS and send a copy to the debtor when they cancel a debt of {$600.00} or more. The creditor, " XXXX XXXX XXXX Bank '' is reporting on my credit report that account is " Charge Off. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: VA

Complaint narrative:
Under Internal Revenue Code 6050P, a creditor ( also called an " applicable entity '' ) is required to file Form 1099-C with the IRS and send a copy to the debtor when they cancel a debt of {$600.00} or more. The creditor, " XXXX XXXX XXXX Bank '' is reporting on my credit report that account is " Charge Off. ''

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Newrez reported me being late on my payments in XXXX XXXX and XXXX by 180 days to XXXX. I have never been late on my payments. I refinanced my loan through Newrez and representive I spoke to stated I would not be late with my payments under this program.

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 2025-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: OH

Complaint narrative:
XXXX  bought my student loans, since then I have not be able to get a hold of this company unless I wait over 3 hours. I currently can not even log into their website to obtain payoff information. I have asked for how funds were applied, complete payment history to understand where/when/how/what servicer applied the funds, etc. I would like a full accounting, time spent on what programs and how much longer I have until payments can be eliminated per the terms of the program. This loan servicer is nocompliant with Reg. Z application of payments, nor UDAP regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: DC

Complaint narrative:
I am writing in response to a notice I received regarding an alleged debt. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The amount of the debt ; 2. The name of the original creditor ; 3. A copy of the original contract or agreement bearing my signature, or other evidence proving I am legally obligated ; 4. Documentation that you are authorized to collect this debt on behalf of the original creditor or that you own the debt ; 5. A complete payment history including all fees, interest, and charges ; 6. Proof that the statute of limitations has not expired.

Until this information is provided, I am requesting that you cease all collection activities, including reporting to any credit bureaus, as this debt is currently in dispute. 

Please also note that I request all future communication regarding this matter be in writing only.

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 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My husband and I ( XXXX and XXXX XXXX ) have had a joint checking account with PNC Bank for more than 15 years with no issues... We had not used it for several months ( less than a year ) as we were residing in the XXXX for that time. When we tried to use the account in XXXX, we were shocked to find out that, it was closed in XXXX. We have not had any problems with the law other than XXXX XXXX XXXX XXXX. It is absolutely unexpected and bewildering to us, without any warning our account is closed and supposedly they sent us a check but we never got it ( we are not sure what the sum was in it but it was small ). We contacted PNC bank several times, speaking to a representative who was also confused as to why it was closed. They refuse to provide us with an answer, and told us to contact them via letters ( not emails ), letters via the mail?! As it stands, we have no way of paying our dues to the IRS...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-08-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX - XXXX XXXX XXXX - XXXX - Account not mine XXXX - XXXX - Account not mine XXXX  - XXXX - Account not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX - XXXX - Account not mine XXXX XXXX XXXX  - XXXX XXXX Account not mine XXXX  - XXXX - Account not mine XXXX  - XXXX - Account not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: WI

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. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, 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 Bondage Final Rule XXXX ( b ) ( XXXX ) - ( XXXX ) -- -- -- XXXX ( b ) ( XXXX ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX 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 XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: FL

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 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 2025-08-03 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: FL

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 non-monetary relief
Consumer complaint received 2025-08-03 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: WI

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. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : 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 2025-08-03 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: GA

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX - XXXX- Account not mine XXXX XXXX XXXX  XXXX - XXXX Account not mine

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 2025-08-03 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: LA

Complaint narrative:
My name is XXXX XXXX ( SSN ending XXXX ), DOB XX/XX/year>. My only address for 6 years is XXXX XXXX XXXX, XXXX XXXX, LA XXXX. I am employed by XXXX XXXX ( XXXX years ). I am a victim of identity theft and have filed multiple FTC Identity Theft Reports and FCRA 605B affidavits with TransUnion, Equifax, and Experian. Fraudulent accounts and inquiries continue to report despite my lawful block requests. This violates FCRA 605B requiring blocking within 4 business days.

The following fraudulent accounts were removed under FCRA 605B but have reappeared : XXXX XXXX  ( {$410.00} charged off ), XXXX XXXX XXXX ( {$26000.00} ), XXXX XXXX ( {$12000.00} ), XXXX XXXX {$0.00} ). I never applied for or used these accounts. Their reappearance violates my rights under FCRA 605B and constitutes improper reinsertion without certification or notice as required by FCRA 611 ( a ) ( 5 ) ( B ) Equifax, TransUnion, and Experian failed to comply with FCRA 605B and 611 ( a ) ( 5 ) ( B ). Fraudulent accounts reinserted without notice include XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX No reinvestigation results or certifications were provided. I request CFPB enforcement to compel permanent blocking of these fraudulent accounts and inquiries.

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 2025-08-03 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: LA

Complaint narrative:
My name is XXXX XXXX ( SSN ending XXXX ), DOB XX/XX/year>. My only address for 6 years is XXXX XXXX XXXX, XXXX XXXX, LA XXXX. I am employed by XXXX XXXX ( XXXX years ). I am a victim of identity theft and have filed multiple FTC Identity Theft Reports and FCRA 605B affidavits with TransUnion, Equifax, and Experian. Fraudulent accounts and inquiries continue to report despite my lawful block requests. This violates FCRA 605B requiring blocking within 4 business days.

The following fraudulent accounts were removed under FCRA 605B but have reappeared : XXXX XXXX  ( {$410.00} charged off ), XXXX XXXX XXXX ( {$26000.00} ), XXXX XXXX ( {$12000.00} ), XXXX XXXX {$0.00} ). I never applied for or used these accounts. Their reappearance violates my rights under FCRA 605B and constitutes improper reinsertion without certification or notice as required by FCRA 611 ( a ) ( 5 ) ( B ) Equifax, TransUnion, and Experian failed to comply with FCRA 605B and 611 ( a ) ( 5 ) ( B ). Fraudulent accounts reinserted without notice include XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX No reinvestigation results or certifications were provided. I request CFPB enforcement to compel permanent blocking of these fraudulent accounts and inquiries.

Company response to consumer: Closed with non-monetary relief