vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
From XXXX XXXX XXXX My wife/I were scammed into signing under duress for 2 loans totaling $ XXXX. 
$ XXXX in my wife name XXXX XXXX $ XXXX in my name XXXX XXXX from a Loan company name Service Finance Company LLC. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Florida XXXX XXXX 
$ XXXX in my name XXXX XXXX from a Loan company name XXXX XXXX XXXX XXXX, Texas XXXX. 
XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX came to our home and said his company was funded by The State Of California and he would be able to get the almost XXXX old concrete fence in our front yard removed without us having to pay anything out of our pocket. 
We thought everything was fine even though my wife said he sounded like a scam artist.

He promised us that we wouldn't have to pay for anything until XX/XX/year>XXXX  and that The State Of California would be paying for the XXXX year. 
After taking measurements of our backyard fence that was practically falling down due to also being almost XXXX old due to heavy winds and a XXXX falling down fence along with 2 other 's we talked more and didn't sign any paperwork and he left. 
We were then bombarded with calls to docu sign via email for the 2 loans under duress even though the work not completed. 
And when the front yard was done it had to be fixed due the contractor making mistakes.

After finding out we were scammed I called XXXX XXXX XXXX XXXX XXXX and he said that his son XXXX XXXX would come and talk to us. 
I told him about XXXX XXXX from XXXX XXXX and he said he doesn't work for him anymore. 
Afterwards my wife/I cellphones were bombarded with calls from XXXX XXXX which XXXX XXXX XXXX XXXX not to take. 
His son XXXX XXXX arrived at our home and did measurements in our backyard at the fence and 2 other 's and wrote notes down on his tablet. Then he made us sign a release form and said if we signed it his father would help us and if we didn't he would. Then he said if we came after him the family has 2 lawyers that would sue us. 
So under duress we signed and he gave us {$1500.00} cash and a receipt which he took back then left in a white XXXX. 
My has pictures of the release form and receipt. 
XXXX XXXX XXXX in XXXX, XXXX, is most likely associated with XXXX XXXX XXXX XXXX XXXX. 
I called both Loan Company 's at they're investigating the loans. 
Be advised XXXX XXXX XXXX XXXX XXXX said that he's been in business XXXX. 
Service Finance Company LLCXXXX Loan Company 's along with XXXX XXXX XXXX XXXX XXXX sounds like a Scam Business. 
Please get investigate because my wife/I are a XXXX old XXXX  citizen devoted XXXX couple and don't want to lose our home in default for not paying these loans due to having signed them under duress.

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 2025-07-10 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: CA

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9700.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Account XXXX XXXX  - Account Number : XXXX I am writing to formally dispute the accuracy of the following account on my credit report, which I obtained on you obtained your credit report, XX/XX/2025.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I Noticed a {$150.00} collection From vystar On my credit report I disputed it before & I provided a police report The collection was Removed And now it just popped back up can you please remove it again Permantly That account was open fraudulently and you already proved it

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 2025-07-10 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: MI

Complaint narrative:
I am filing a complaint regarding multiple hard inquiries that appear on my credit report without my knowledge or authorization. I did not apply for credit, authorize, or engage in any transaction that would justify these inquiries. 

Here is the list of unauthorized inquiries : XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX  EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. EQUIFAX XXXX XXXX XXXX XXXX  EQUIFAX 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  US DEPARTMENT OF EDUCATION XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) 604 [ 15 U.S.C. 1681b ], a hard inquiry requires my consent or a valid permissible purpose. I request that the credit bureau provide documentation proving I authorized each of these inquiries. If such proof can not be provided, these inquiries must be removed from my credit report immediately. 

These unauthorized inquiries are negatively affecting my credit profile and were made without my involvement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX'I called Bank of America on XXXX XXXX XXXX  and filed a fraud dispute with the claim # XXXX XXXX XXXX.\n\nFederal law regulation E protects against unauthorized electronic withdrawals and gives the bank 10 days to issue a provisional credit while they investigate. I was notified on XXXX XXXX XXXX that my claim was denied because and i quote from the Bank of America rep i changed my mind about the transaction\n\nI want to say that that is not what i told the rep on the original call when i filed the claim on the 30th of this year. I told them i was going to buy a car but i never did and that the dealership charged my card without my consent when I wasnt present. This is fraud and Bank of America is violating federal law and lying about their reasons for denying me.'

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 monetary relief
Consumer complaint received 2025-07-10 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:
I had no role in opening these fraudulent accounts. In line with USC 1681g, I am formally requesting their deletion within 15 days. Relevant supporting documents are included.

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 2025-07-10 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts appeared on my credit report. I did not authorize or open any of these accounts, they do not belong to me and are the result of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 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. 
ACCOUNT XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXXXXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Foreign fees charged while in XXXX XXXX ( A USA 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A TOTAL OF {$56.00} In XX/XX/XXXX I was first charged this fee ( XXXX ) i complained and tehey reversed the charge on XX/XX/XXXX. 
how can they charged a foreign trnsaction fee in USA XXXX XXXX XXXXXXXX  want to see these charges reversed. They could not explain why they were charging this fee when I contacted them and didnt offer any proof of the origin and porpuse of this fee. 
been goin gto XXXX XXXX twice a year to visit my parents and never been charge this kind of fee as resent as XXXX XXXX, before this last trip XX/XX/XXXX to XX/XX/XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
On XX/XX/year> I logged into my Freedom Mortgage app to make my XXXX payment. I paid {$1000.00} for my regular mortgage payment Later that evening I went back into the app to pay an escrow balance that was showing short for {$210.00}. 

I then saw an email that was sent stating my account needed immediate attention so I logged into my mortgage app to see that my account was still showing due for XXXX. I called immediately and spoke with a rep who told me that for some reason the payment of {$1000.00} did not go thru and I should contact my bank to see why. I made the payment with her on the phone that day which I believe was XX/XX/year>. This put my XXXX payment 30 days late which was going to be reported to my credit bureau. I called my bank and spoke with a rep there who was not able to see anything from the mortgage company trying to push the payment thru. I then called my mortgage company back. I spoke with a different rep who said that I requested to cancel the payment thru the app. I did not request a cancellation for my mortgage payment and I explained that to him. After some back and forth I asked to speak with a supervisor and he transferred me to a rep named XXXX ( I may have spelling incorrect ) who was also unable to help me. She told me there is no way the system would let me make two payments in one day. I explained to her that one payment in the amount of {$1000.00} was my regular mortgage payment and the other of {$210.00} was a short escrow payment. Which the app did have a box for me to check showing the {$210.00} was a short escrow payment. I then asked again to speak with a supervisor and spoke with a third rep who told me she was not able to help with correcting the 30 day late reporting to my credit since the payment was made on XX/XX/year> I believe. I explained to her that I paid on XX/XX/year> the regular payment and the short escrow payment. I never requested to have a payment reversed or cancelled and that it must have been a glitch in the system. I explained that I am trying to do a refi so it would not make sense for me to make my payments 30 days late since I can not have any 30 days reporting to accomplish my refi. 

I would like for Freedom Mortgage to take my payment history into account and process a goodwill adjustment by removing the 30 day late from my credit.

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 2025-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am formally disputing the accuracy of the following account ( XXXX ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : [ XXXX XXXX  XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX  XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts appeared on my credit report. I did not authorize or open any of these accounts, they do not belong to me and are the result of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: KY

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Credit collection services did not provide a debt validation letter requested I have sent certified letters and requested upon calls to send the debt letter no response

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX 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 explanation
Consumer complaint received 2025-07-10 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: OH

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MS

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation