vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 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: TX

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX  . These accounts needs to be removed immediately.

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within XXXX  days of receipt of this letter.

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX Equifax XXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00} XXXX/game Date Opened XX/XX/XXXX Balance {$190.00} XXXX Card Services Balance {$4100.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Factual Data XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: PA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> 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 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: NY

Complaint narrative:
On XXXX XXXX of XXXX, XXXX XXXX and his XXXX XXXX XXXX XXXX unlawfully entered the XXXX XXXX XXXX building and gained access to my private data. I feel that my rights to privacy were violated by a 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/year> I had to renew my home insurance. At that time, Florida was hit by a hurricane and my insurance wasnt able to renew my policy until XXXX  days later the hurricane passed. I communicate that to the bank, but regardless they put me now in an escrow account for the rest of my loan which represents {$800.00} more per month. Let me repeat that, {$800.00} more per month on top of my mortgage. 

I tried to talk to someone on Truist and they put me with a front line call receiver with less than a year in a position that was reading a script and wasnt able to or didnt want to transfer to a supervisor ( as I requested ). They kept me on the phone for more than XXXX hour without finding the right person to talk to me and offering to talk to some additional people that I didnt request to talk to. 

Very unprofessional treatment and customer service

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 2025-03-14 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Subject : Request for Student Loan Cancellation Due to Illegal Takeover by XXXX Dear Consumer Financial Protection Bureau, I am writing to formally request the cancellation of my student loan due to unlawful actions taken by XXXX, which has illegally taken over my student loan and personal information. This matter has caused significant financial and personal distress, and I believe my rights as a borrower have been violated. 
I originally took out my student loan with [ XXXX ]. LOAN ID_ Account number : XXXX - XXXX However, I recently discovered that XXXX has unlawfully assumed control over my loan and personal data without my consent. This unauthorized transfer has resulted in [ explain the consequences youve faced, such as incorrect loan balances, unauthorized payments, or identity theft concerns. 
I request the CFPBs immediate intervention to investigate this matter and take the necessary steps to rectify this wrongful action. Given the unauthorized and potentially fraudulent nature of this takeover, I believe my student loan should be canceled. I also request any available consumer protection measures to prevent further harm. 
I didnt authorize XXXX to have any access to my profile and personal information. This is a violation of my constitutional rights. 
I appreciate your prompt attention to this matter and look forward to your response. Please confirm receipt of this request and guide the next steps. 
You may contact me at XXXX XXXX. Tel : XXXX. Email : XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

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
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 2025-03-14 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: TN

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/scrub>XXXX Current Address : XXXX XXXX XXXX XXXX Texas XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift 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 explanation
Consumer complaint received 2025-03-14 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 am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/scrub>XXXX Current Address : XXXX XXXX XXXX XXXX Texas XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I contacted the collection agency Blitt and Gaines PC located at XXXX XXXX XXXXXXXX XXXX in XXXX XXXX, IL, XXXX to inquire about a possible account with them, The agent on the phone was asking for my information and I read online to not accept or verify the information because that could be used as me accepting anything they might have fraudulently added to my credit, i have never received a call, email or mail from this agency, the agent on the phone refused to help unless i accepted or gave her my information, i asked for a mail piece of the original contract application and she was only willing to give me their address to write to them, but i know because its online that this company uses this tactics to collect from poor elder people on social security, I did some more research and they claim to be a XXXX XXXXXXXX credit card, i contacted XXXX XXXX  and they do not have any card ever being open under my name with them, can someone please help me as i do not have the money to be taken advantage of by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc.
State: NY

Complaint narrative:
XX/XX/XXXX, 2025XXXX my prepaid card linked to my XXXX account to order a uber. The ride cost {$24.00} and I left a {$10.00} tipXXXX XXXXl pre authorized the initial charge of {$24.00} and additionally withheld {$4.00} because it is common to leave a tip for that type of service. After the ride was finished I did leave a tip for {$10.00}, another pre authorization was placed on my account for {$10.00}. When XXXX went to settle payment they submitted a request for the combined trip and tip in the amount of {$34.00}. I have spoken to uber and they said the other XXXX transaction 's were canceled by them. I have waited over XXXX days because they list this as the maximum time for a pending charge to stay on your account before it will automatically fall off if the company has not tried to collect it. It been XXXX days and the charges are still pending {$29.00} and {$10.00}. I have tried repeatedly to find out why the havent released the funds and I was given many different answers. XXXX agent said that it would automatically fall off in XXXX  days that was on the XXXX day. They have now restricted my access to my account while they escalate my case to an appropriate department. I received and email saying this could take several days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I pay a Phone/Web Payment Fee of {$7.00} to have my payment processed online. On my monthly mortgage statements there is a " Total New Fees and Charges '' line that shows the late charge and Phone/Web Payment Fee amount. I am not required to pay online. I can mail my payment to avoid the Phone/Web Payment Fee. I need to know why the ( XXXX ) I am paying each month is included in " Total Payment Amount? '' I would like to know, if I am being charged interest as well on this fee ( XXXX ) which is included in the Total Payment Amount due every month. I can understand the interest on the late fee, but not the Phone/Web Payment Fee. The customer service reps can not seem to answer this question for me. PPH Mortgage is including a fee ( XXXX ) into my mortgage amount that I do not have to pay and is not required of me to pay. It is illegal and if interest is being charged its doubled illegal. This has been going for years and I have asked PPH Mortgage about before, but with no real answer as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I deposited a check in the amount of {$10000.00} at a Regions Bank ATM on XX/XX/year>. The checking account I deposited it into was frozen because the check was flagged as potentially fraudulent. I received notice about this and was told the account would be unfrozen by XX/XX/XXXX after the bank verified the check was valid. The account was not unfrozen, and when I called customer service they told me I had to go in person to a branch. I went to the branch, and the manager looked up the account and said the issue was that the check was fraudulent and that the issuing bank had insufficient funds. He told me to get a new check, but refused to unfreeze my account. I talked to the person who issued the check, they talked to their bank and the funds were released and are in my Regions account, so the check was not fraudulent and the account it drew from did not have insufficient funds. I called customer service again, and was told to go into a different branch ( I also filed a complaint about the manager at the first branch ). I went in to a second branch, and they told me they would " look into it '' but refused to give me any details about why it is frozen, what I need to do to unfreeze it, how long it would be frozen, etc. I called Regions priority line and fraud lines, they told me I can only resolve it in person at a branch. At this point, Regions had effectively stolen my deposit and refused to give me access to my account or explain to me why it remains restricted. No one at Regions seems willing or able to help me resolve 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