vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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 formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 2025-07-30 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: CA

Complaint narrative:
I am filing this complaint against Equifax for failing to properly reinvestigate inaccurate late payments and a fraudulent hard inquiry on my credit report. I disputed late payments reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the hard inquiry from XXXX XXXX XXXX XXXX XX/XX/year> ), providing an FTC Identity Theft Report as proof. Despite this, Equifax verified thXXXX XXXX  account as accurate without providing supporting documentation or a Method of Verification ( MOV ), violating FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 7 ). Additionally, FCRA 609 ( a ) ( 1 ) ( A ) grants me the right to know how Equifax verified disputed information, but no details were provided. Equifax also failed to block the fraudulent hard inquiry despite my FTC report, which is a violation of FCRA 605B. Continued reporting of these unverifiable and fraudulent items violates FCRA 623 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I am seeking deletion of this debt due to hardships of not being able to find employment that helps me sustain a better way of living. I have the right to request this and ask that stop collection activities, including the numerous calls every day and remove it all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing this CFPB complaint because the debt collector ( or creditor ) has repeatedly failed to communicate with me about this debt, despite my many attempts to resolve it. 

This debt is from over six years ago. I did not even know about it until they suddenly sued me. I never received any letters or notices about this debt prior to the lawsuitif anything was mailed, it must have been sent to the wrong address. 

After learning about the lawsuit, I have called, emailed, and sent letters for over a year to try to resolve and pay this debt. I even worked with a government mediation program, which finally helped set up a $ XXXX settlement agreement. 

Unfortunately, I missed one payment because I was in a car accident that was not my fault. Since then, I have been trying to contact the company again to resume payments or renegotiate, but they have never responded to a single voicemail, email, or letter. 

Because they ignored me, I had to reach out to another government mediator. To this day, they have not responded to the mediator either. 

This is now my second CFPB complaint about this same issue. After my first complaint, the company said they needed another 60 days to assess my case. It has been over six years since this debt originated, and they are still refusing to provide a solution or clear planall while continuing to sue me in court. 

I owe about {$1000.00} and have stated numerous times that I am willing and ready to pay, but they refuse to cooperate or communicate. It feels like they are dragging this out simply to collect court fees and extra costs, which feels unfair, predatory, and in bad faith.

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 2025-07-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Stenger & Stenger, P.C
State: GA

Complaint narrative:
Stenger and Stenger also, XXXX XXXX, XXXX continue reporting old debt past the statute of limitations to my credit report. This debt went delinquent on XX/XX/year>, and was completely charged off by the original creditor on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing a dispute under the Fair Credit Reporting Act ( FCRA ) regarding a fraudulent XXXX XXXX Bankruptcy that appears on my TransUnion credit report. 

The record shows : Filing Date : XXXX XXXX XXXX Discharge Date : XXXX XXXX XXXX  Case No. : XXXX XXXX XXXX / XXXX Court : U.S. Bankruptcy Court XXXX XXXX XXXX XXXX ( XXXX Division ) I have never filed for bankruptcy in any jurisdiction. This record is a clear case of identity theft or an administrative error. I have already provided TransUnion with the following documentation in prior disputes : FTC Identity Theft Report ( # XXXX ) Copy of Government-Issued ID Social Security Card Utility Bill ( proof of current address ) A letter from the Court confirming I did not file for bankruptcy. 

Despite multiple disputes and submissions of proof, TransUnion and Experian has failed to remove this inaccurate and damaging public record. This is a violation of the FCRA 1681e ( b ), 1681c ( a ) ( 1 ), and 1681i ( a ).

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been attempting to recover access to my Equifax account after being locked out several months ago. Im calling support and verifying all of my information correctly. I was told that I would be able to follow the email that they sent to me and regain access I followed all of their steps and was still unable to gain access and receive the same error that I did from the very start, which was unable to proceed at this time. Please try again later call XXXX Equifax. 

I have been trying for months to regain access to my account and was given no explanation for why I was not able to recover my information or anything else. I still have access to the Lock and Alert portion of the Equifax website tools, which is a separate login from the myEquifax where you retrieve your credit score at this time I personally feel that my personal credit report that Im entitled to annually is being withheld from me and I am for some reason being deliberately restricted from accessing my own Equifax account or someone has changed my email or something and Im not being given any help with this whatsoever. I truly feel like my rights are being violated by this credit bureau and their negligence, which is pretty bad considering there was a data leak in XXXX  and they exposed all of our data probably on purpose considering the first thing that they do upon hearing that youre having any concerns whatsoever about your credit report is pitched their paid subscription service that ranges from XXXX  dollars to {$50.00} per month, depending on the package that you select so when we have concerns about our credit in our well-being they tried to sell products to us

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

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 2025-07-29 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: FL

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

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 2025-07-29 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: NC

Complaint narrative:
I am a victim of identity theft. Ive never gave anyone permission or authorization to open these accounts without my consent. All my personal information is secure with me. Ive never opened his these accounts or gave anyone permission to open these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
I am a victim of identity theft. Ive never gave anyone permission or authorization to open these accounts without my consent. All my personal information is secure with me. Ive never opened his these accounts or gave anyone permission to open these accounts

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 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
They deactivated my account for credit card processing and claimed I can refund all recent transactions and they will refund those within XXXX  days. There was a transaction for {$6200.00} on XX/XX/XXXX which they still have not refunded back to my customers credit card ehich was XXXX XXXX XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: AL

Complaint narrative:
I am filing this complaint because I have identified multiple items on my credit report that are inaccurate, incomplete, or contain discrepancies. I submitted a formal dispute to the Equifax and attached a detailed letter identifying each account and the specific information that needs to be reviewed. At this time, I am asking for the CFPBs help to ensure that my dispute is properly processed and investigated. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be incorrect, and the credit bureaus are legally obligated to conduct a thorough reinvestigation of each item. My dispute letter, which is attached to this complaint, outlines all the information I am challenging. It is critical that the credit bureaus acknowledge my dispute, investigate each point I raised, and provide corrections where appropriate to ensure that my credit report is both accurate and complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A.
State: OK

Complaint narrative:
Second complaint with PNC in regards to them receiving a check to pay off balance of loan with an excess to be returned to me. Which XXXX, from their complaint department called me within XXXX hours of her receiving th complaint and said she would get back with in a week, its been XXXX, still waiting. I have repeatedly updated my name, address every time I have called with multiple departments, because I am always transferred. On XXXX I called and spoke with a gentleman named XXXX XXXX verify they had received the check and if the balance had been mailed out, which he informed me it had been on XX/XX/year> in my widowed name ( which changed XXXX  years ago after I remarried and they have the marriage license ), to an address that had not been used in over XXXX  years, I asked to speak to a supervisor at which time he said he would and I was disconnected, after calling back XXXX more times I was told they did not have XXXX available and someone would call me on XX/XX/year>, which she did and said she would contact me back within XXXX hours, no contact from her and yet. I received an email that the check was in my widows name and my deceased husbands name and it was mailed XX/XX/year>, so not sure who is correct, since I can not get a straight or same answer department to department. Who knows where the title to the vehicle may be at this time as well. I have been dealing with this payment issue since XX/XX/year> with absolutely no clarity of what is going on, except that they took what monies they needed to pay off the loan and seem to have no regard to the balance getting to their customer. Not to mention, this whole ordeal has affected my credit and it looks like I still was charged late fees, even though they had been in possession of the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-30 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Self Financial Inc.
State: FL

Complaint narrative:
There are lots of accounts that need to be removed for diffrent reasons!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief