vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX claims I owe money that was forgiven in 2007 under the Public Service Loan Forgiveness Act! I have evidence ALL my loans were forgiven in 2007. I have evidence that I OWE NOTHING! XXXX also claims I made a mysterious payment of {$110.00}? Which I NEVER DID! What part of this isn't falling under the UNFAIR LENDING PRACTICES ACT? Your company gained a XXXX dollar civil penalty lawsuit against these folks FOR THIS VERY REASON! 
I called a representative of XXXX and they were supposed to send me a fraud kit to file a fraud case against them. Well surprise surprise I never received the kit. I filled a police report, I spoke to local judges and police they AGREED this fraudulent, they informed me NOT TO PAY A CENT! Yet! I can't get support from government agencies like YOURS to help me? Why? So if you are unable to assist on a CLEAR CUT CASE OF FRAUD then please direct me to someone that will help me! 
THEY ARE ATTACKING MY CREDIT!! I am a XXXX XXXX that is on a set income, innocent of these mysterious loans, and NEED HELP NOW!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: SC

Complaint narrative:
XXXX claims I owe money that was forgiven in 2007 under the Public Service Loan Forgiveness Act! I have evidence ALL my loans were forgiven in 2007. I have evidence that I OWE NOTHING! XXXX also claims I made a mysterious payment of {$110.00}? Which I NEVER DID! What part of this isn't falling under the UNFAIR LENDING PRACTICES ACT? Your company gained a XXXX dollar civil penalty lawsuit against these folks FOR THIS VERY REASON! 
I called a representative of XXXX and they were supposed to send me a fraud kit to file a fraud case against them. Well surprise surprise I never received the kit. I filled a police report, I spoke to local judges and police they AGREED this fraudulent, they informed me NOT TO PAY A CENT! Yet! I can't get support from government agencies like YOURS to help me? Why? So if you are unable to assist on a CLEAR CUT CASE OF FRAUD then please direct me to someone that will help me! 
THEY ARE ATTACKING MY CREDIT!! I am a XXXX XXXX that is on a set income, innocent of these mysterious loans, and NEED HELP NOW!

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX claims I owe money that was forgiven in 2007 under the Public Service Loan Forgiveness Act! I have evidence ALL my loans were forgiven in 2007. I have evidence that I OWE NOTHING! XXXX also claims I made a mysterious payment of {$110.00}? Which I NEVER DID! What part of this isn't falling under the UNFAIR LENDING PRACTICES ACT? Your company gained a XXXX dollar civil penalty lawsuit against these folks FOR THIS VERY REASON! 
I called a representative of XXXX and they were supposed to send me a fraud kit to file a fraud case against them. Well surprise surprise I never received the kit. I filled a police report, I spoke to local judges and police they AGREED this fraudulent, they informed me NOT TO PAY A CENT! Yet! I can't get support from government agencies like YOURS to help me? Why? So if you are unable to assist on a CLEAR CUT CASE OF FRAUD then please direct me to someone that will help me! 
THEY ARE ATTACKING MY CREDIT!! I am a XXXX XXXX  that is on a set income, innocent of these mysterious loans, and NEED HELP NOW!

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My wallet was stolen years back and as a result Im still getting affected by criminals using my identity to ask for loans which is causing my credit to have a lot of 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 2025-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing a fraudulent account listed under my credit profile. I have never authorized, opened, or maintained this account. Its inclusion is false, misleading, and damaging to my credit record. The reporting of this account is negatively impacting my financial opportunities and must be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This correspondence is a formal dispute concerning an account listed on my credit report that I did not open or authorize. Its presence is entirely fraudulent and constitutes a serious misrepresentation of my financial activity. This false reporting is creating unjust damage to my credit profile.

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 2025-08-25 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: MI

Complaint narrative:
On XX/XX/XXXX, I submitted a certified mail dispute package to the national credit bureaus pursuant to FCRA 605B. My submission included : Proof of my identity ( DL, notarized affidavit ) FTC Identity Theft Report ( # XXXX ) A detailed list of fraudulent accounts, inaccurate addresses, unauthorized inquiries, and false employer information The bureaus confirmed receipt. Under FCRA 605B ( a ), they are legally required to block the reporting of all fraudulent information within 4 business days. 
It is now past the compliance deadline, yet the fraudulent items remain. This constitutes a clear violation of FCRA 605B. 
Fraudulent Items to be Blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Violated Laws FCRA 605B ( a ) : Failure to block fraudulent information within 4 business days FCRA 615 ( f ) : Prohibition on sale/transfer of identity theft debts FCRA 623 ( a ) ( 6 ) : Furnishers must stop refurnishing identity theft data FCRA 616617 : Liability for willful or negligent noncompliance Desired Resolution Immediate permanent deletion of all fraudulent accounts, inquiries, and personal information listed above from my credit reports Written confirmation of compliance Prevent re-insertion of these items without full re-verification under FCRA 611 ( a ) ( 5 ) ( B )

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
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

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 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NY

Complaint narrative:
I deposited a work check on XX/XX/XXXX in the amount of {$1700.00}, at the time of deposit I stated I wanted to deposit and withdrawal. Once the check was already placed, I requested a withdrawal of {$1300.00}, that is when the teller stated to me that I was only able to withdrawal {$100.00} and that the rest would be available the next day. The next day I went to the bank and requested a withdrawal and again was denied stating there was a hold possibly due to the fact that I was a new account holder. Every time Ive called after that, I was told the days that the check would be on hold for were different. In the beginning I was told XXXX XXXX XXXX XXXX XXXX  ( 3 times ) and now XXXX XXXX. I understand that my check needs verification but no one was able to explain and tell me exactly the days. I was also told that they usually dont take that long and Id have it by the beginning of the week of XX/XX/XXXX. No policy was sent to me about this and the teller did not advise me of this the day of the deposit. I was transferred to a supervisor twice, both explaining to me that I should go to a XXXX at a branch and they can request that more funds be released for emergency purposes because I have a daughter and needed to buy groceries. All managers refused stating they were afraid to submit the request incase the funds get returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: HI

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal 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 2025-08-25 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Please remove this debt collection because is not owed or belong to me credit collection service XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: GA

Complaint narrative:
So he reach out to me on snapchat and called me where someone remove all clothes and record my video and from after that they are blackmailing me. and asking for money for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
I attended the XXXX XXXX of XXXX between XXXX. The U.S. Department of Education has confirmed that the school engaged in fraud and misrepresentation, which led to automatic forgiveness of federal loans. However, I also hold private student loans ( originally through XXXX, now with SoFi ) for this same period. These loans were obtained under false pretenses due to the schools deceptive recruitment practices. 



I was told that job placement rates exceeded XXXX XXXX and that the school was properly accredited with transferable credits, which proved false. I was also pressured to sign quickly, with promises of career services, internships, and networking opportunities that never materialized. Despite completing my degree, I was unable to secure employment in my field, leaving me with approximately {$54000.00} in private loan debt XXXX XXXX later. 



This debt has caused severe financial and emotional hardship. I have been forced into forbearances, consolidations, and refinancing, extending the loan terms while struggling to keep up as a working mother of XXXX. Because these loans were tied to fraudulent practices, I respectfully request that the CFPB investigate and require SoFi to provide loan forgiveness similar to what has been granted for federal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: PR

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: SC

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX XX/XX/year> RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor did not notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard, solid proof from
the creditor bank account that I didn't pay and was marked late because this is clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we were already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ). 



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 2025-08-25 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: NJ

Complaint narrative:
Under FCRA 605B ( 15 USC 1681c-2 ), I request permanent blocking of fraudulent accounts linked to identity theft and possible exposure from a data breach. These accounts were reported without my consent, violating 1681 ( a ) ( 2 ). Furnishers are required under 1681s-2 to investigate and stop reporting unless verified with proof. No such verification has occurred. CRAs are also obligated under 1681e ( b ) to ensure maximum accuracy, and continued reporting of disputed, unverifiable accounts violates this standard. Under FDCPA 1692c ( a ) ( 2 ), collection on identity theft-related accounts must cease. I demand immediate removal of all accounts resulting from unauthorized access, identity theft, or data breach-related misuse.

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud

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