vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant XXXX and XXXX XXXX, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
Mohela is the owner of est XXXX  student loans. However in 2024, my account was involuntarily closed during my forbearance period under the XXXX administration for renovation. As of now my mohela account login doesnt exist and my account was never restored for me to choose my best payment options. Im reporting my personal information sold and compromised through the movement of my federal student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have challenged my report and have sent evidence to the agency that I do NOT have a bankruptcy and they refuse XXXX remove it. I have even contacted XXXX and the courthouse in question they verified I do not. Attached is proof. Thanks!

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. 
As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature authorization and consent within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.

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 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SIMMONS FIRST NATIONAL CORPORATION
State: OR

Complaint narrative:
On XX/XX/XXXX, XXXX my balance due on my simmons credit card. The amount was over XXXX XXXX ( XXXX ) dollars. Simmons electronically withdrew the payment from my checking account TWICE. I contacted them and they said they would credit my account right away. The following day there was no posting to my bank a court. I called Simmons again and they said it should be there within 24 hours. It was not. I called again and this time they said they could not help me and to ask my bank for help. It has been akmost a week and Simmons still has not returned my {$10000.00}.

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 2025-04-15 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: CA

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 2025-04-15 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: IL

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 non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am filing this complaint because Experian, XXXX, and XXXX have failed to appropriately process my identity theft report under Section 605B of the Fair Credit Reporting Act ( FCRA ), which entitles victims of identity theft to request a block of fraudulent information on their credit reports.

Despite submitting a valid FTC Identity Theft Report and the required documents ( government-issued ID, utility bill, and a copy of my Social Security card ), Experian has refused to apply the 605B block. They claim the FTC report is invalid due to " formatting issues '' and that it lacked a fraud discovery date however, that field is optional and marked if known on the FTCs official report.

Documents Submitted : FTC Identity Theft Report ( newly generated ) Government-issued ID Utility bill Social Security card ( see name explanation below ) Divorce decree ( to support legal name change ) Name Clarification : My SS card reflects my married name. I have legally reverted to my maiden name and included a copy of my divorce decree. A new SS card is in process.

Why This Complaint Matters : I am not asking that the affected accounts be removed I am requesting that the payment status be corrected, as the fraudulent use of my identity led to these delinquencies. These accounts were not authorized by me, and I did not receive goods, services, or funds from them.

I initially filed my FTC report after discovering unauthorized inquiries. Since then, Ive received two data breach notices from Change Healthcare and was affected by the Equifax data breach, confirming my personal data has been compromised multiple times.

I believe the credit bureaus are improperly treating my 605B request as a regular dispute and are using stalling tactics to avoid compliance.

Per the law, the bureaus must block disputed identity theft items within four business days upon receiving a valid report. I request your intervention to ensure my rights under the FCRA are honored and my credit is corrected. 

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
According to my research about FCRA 605, Credit Bureau is required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Google Compare Credit Cards Inc.

Complaint narrative:
I am a XXXX  XXXX XXXX  ( XXXX  ) and was expecting a payment from XXXX in XX/XX/2024. The funds were never received in my bank account in XXXX. My bank has no record of the transaction, and XXXX has refused to provide any of the necessary information to trace the payment. 

Details : XXXX stated that the payment was issued but did not provide any transaction confirmation. 
I have requested the XXXX XXXX document, XXXX XXXX, the name of the sending bank, and details of any intermediary ( correspondent ) banks involved in the transfer.

Without this information, my bank can not trace the payment.

I followed up multiple times and clearly explained the importance of this data, but I have received no 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 2025-04-15 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: NY

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year>XXXX XXXX XXXX Balance XXXX {$0.00}

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 2025-04-15 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

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 2025-04-15 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:
I have a few items on my personal credit report that are the result of identity theft. I have tried working with the reporting agencies to get these items removed to no avail over the past several years. I have completed an Identity Theft Affidavit for mailing to the credit bureaus which I will also attach to this complaint.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have a few items on my personal credit report that are the result of identity theft. I have tried working with the reporting agencies to get these items removed to no avail over the past several years. I have completed an Identity Theft Affidavit for mailing to the credit bureaus which I will also attach to this complaint.

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 2025-04-15 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: EQUIFAX, INC.
State: AL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am filing this complaint because XXXX, TransUnion, and XXXX have failed to appropriately process my identity theft report under Section 605B of the Fair Credit Reporting Act ( FCRA ), which entitles victims of identity theft to request a block of fraudulent information on their credit reports.

Despite submitting a valid FTC Identity Theft Report and the required documents ( government-issued ID, utility bill, and a copy of my Social Security card ), XXXX has refused to apply the 605B block. They claim the FTC report is invalid due to " formatting issues '' and that it lacked a fraud discovery date however, that field is optional and marked if known on the FTCs official report.

Documents Submitted : FTC Identity Theft Report ( newly generated ) Government-issued ID Utility bill Social Security card ( see name explanation below ) Divorce decree ( to support legal name change ) Name Clarification : My SS card reflects my married name. I have legally reverted to my maiden name and included a copy of my divorce decree. A new SS card is in process.

Why This Complaint Matters : I am not asking that the affected accounts be removed I am requesting that the payment status be corrected, as the fraudulent use of my identity led to these delinquencies. These accounts were not authorized by me, and I did not receive goods, services, or funds from them.

I initially filed my FTC report after discovering unauthorized inquiries. Since then, Ive received two data breach notices from XXXX XXXX and was affected by the XXXX data breach, confirming my personal data has been compromised multiple times. 

I believe the credit bureaus are improperly treating my 605B request as a regular dispute and are using stalling tactics to avoid compliance.

Per the law, the bureaus must block disputed identity theft items within four business days upon receiving a valid report. I request your intervention to ensure my rights under the FCRA are honored and my credit is corrected. I am resubmitting the additional documents. 

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 non-monetary relief
Consumer complaint received 2025-04-15 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, CHALLENGED OR NOT.

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 2025-04-15 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:
This is now the third time Im reaching out regarding a dispute I submitted about an account on my credit report that I strongly believe is still inaccurate and incomplete. Despite my previous attempts, the issue has not been properly addressed, and the incorrect information remains.

Its becoming increasingly difficult to stay hopeful, as it seems no thorough review has been conducted so far. This ongoing situation has been incredibly stressful and is taking a real toll on my well-being and daily life. Im feeling deeply discouraged and exhausted.

Please understand, Im personally submitting this disputeno one is doing this on my behalf. I am simply asking for a fair and complete review of my concern.

I would truly appreciate your prompt attention to this matter. Thank you for your time and understanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am filing this complaint because XXXX, TransUnion, and XXXX have failed to appropriately process my identity theft report under Section 605B of the Fair Credit Reporting Act ( FCRA ), which entitles victims of identity theft to request a block of fraudulent information on their credit reports.

Despite submitting a valid FTC Identity Theft Report and the required documents ( government-issued ID, utility bill, and a copy of my Social Security card ), XXXX has refused to apply the 605B block. They claim the FTC report is invalid due to " formatting issues '' and that it lacked a fraud discovery date however, that field is optional and marked if known on the FTCs official report.

Documents Submitted : FTC Identity Theft Report ( newly generated ) Government-issued ID Utility bill Social Security card ( see name explanation below ) Divorce decree ( to support legal name change ) Name Clarification : My SS card reflects my married name. I have legally reverted to my maiden name and included a copy of my divorce decree. A new SS card is in process.

Why This Complaint Matters : I am not asking that the affected accounts be removed I am requesting that the payment status be corrected, as the fraudulent use of my identity led to these delinquencies. These accounts were not authorized by me, and I did not receive goods, services, or funds from them.

I initially filed my FTC report after discovering unauthorized inquiries. Since then, Ive received two data breach notices from XXXX XXXX and was affected by the XXXX data breach, confirming my personal data has been compromised multiple times. 

I believe the credit bureaus are improperly treating my 605B request as a regular dispute and are using stalling tactics to avoid compliance.

Per the law, the bureaus must block disputed identity theft items within four business days upon receiving a valid report. I request your intervention to ensure my rights under the FCRA are honored and my credit is corrected. I am resubmitting the additional documents. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief