vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I called Truist to get a refund for an overdraft they charged me for my account being overdrawn {$0.00}. 

Here is a sequence of events : - XXXXXX/XX/XXXX : I checked my account and had an overdrawn balance. I transferred money over to bring it positive. It would have been positive by less than {$0.00} - XX/XX/XXXXXXXX XXXX ET : I received an account update text saying my available account balance was {$0.00} - XX/XX/XXXX XXXX ET : I received an account update text that I received an overdraft fee and my account was overdrawn by {$36.00} with {$0.00} being the amount the bank covered. 
- XX/XX/XXXX XXXX ET : I called Truist customer service to have the overdraft fee refunded as it was below the {$5.00} threshold and my account had a positive available balance at XXXX XXXX. The customer service rep told me I was not eligible for a refund as I had one in XX/XX/XXXX, and a recent policy update prohibited accounts older than 2 years to have more than 1 overdraft fee refunded in a 24 month period. I refused to pay the fee for {$0.00}. I also negated the way that Truist had arranged my settled debits to trigger their predatory overdraft fee policy. The upper management also declined to refund the fee and stated they would put a complaint in for me and note that I said I would be closing my account.

- Further, I declined the overdraft coverage from Truist some time ago due to their predatory and fraudulent practices after I was charged upwards of {$400.00} in overdraft fees. None of these charges should have come through if it would have caused an overdraft. 

I have all receipts for the debits that were rearranged to settle on XX/XX/XXXX in a predatory and fraudulent manner to trigger Truists overdraft fee policy. Truist rearranged many debits that had already settled the previous week before to settle on Monday in a predatory way.

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 2025-11-26 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: TX

Complaint narrative:
I am writing to formally dispute an inaccurate late payment listed on my credit report. I have reviewed my report and found a late payment entry for Account Name : XXXX XXXX Account Number : XXXX which I believe is incorrect. I have consistently maintained an excellent payment history with Creditors and have never been late with a payment. I request that you thoroughly investigate this matter and promptly remove the erroneous late payment from my record, as it does not reflect my truefinancial history. I appreciate your prompt attention to this matter. Please notify me in writing of any updates regarding the status of this dispute and kindly correct my credit report if this itemis found to be inaccurate. Thank you for your assistance.

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 2025-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
1. I paid the amount necessary to reinstate my mortgage before the stated deadline, yet SPS failed to apply the payment properly.

I have proof of payment. 
My mortgage statements showed I had until the 1st to make the reinstatement payment.

Despite this, SPS moved forward with foreclosure actions. 
2. SPS has not returned the funds despite the payment not being credited and the foreclosure moving forward.

It has been several weeks. 
My bank confirms the funds have not been returned. 
3. SPS has failed to communicate.

I have emailed repeatedly asking for confirmation of payment, account reinstatement, and the status of their internal review. 
SPS has not responded with any clear explanation or resolution. 
4. My home was sold, and the trustee ( XXXX  ) stated that my case is under review, yet no one has contacted me to provide my funds or next steps.

5. I have not been contacted to provide banking details or any instructions regarding the return or disbursement of my funds, despite the property being sold.

6. This lack of communication and mishandling of funds violates servicing obligations, including accurate and timely application of payments, error resolution, and response requirements under RESPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XX/XX/year>XXXX  Subject : Request for Immediate Removal of Unauthorized, Inaccurate, and Fraudulent Accounts from My Credit Profile Pursuant to U.S.C. Code 1681a, c, and 605b, and Affidavit of Truth Laws To Whom It May Concern, I am writing today to demand immediate action regarding unauthorized, inaccurate, and fraudulent accounts that have been erroneously associated with my credit profile. Pursuant to the Fair Credit Reporting Act ( FCRA ) and relevant sections including U.S.C. Code 1681a, 1681c, and 605b, as well as Affidavit of Truth laws, it is imperative that you promptly address and correct these egregious discrepancies. 
The following accounts do not belong to me and were not opened or authorized by me : XXXX Account ending in XXXX XXXX XXXX  Account ending in XXXXXXXX XXXX Account ending in XXXX These accounts reflect incorrect personal information and fraudulent activity tied to identity theft. I did not consent to, apply for, or open any of the above accounts. 
Under FCRA Section 605B, credit reporting agencies must block and remove information that results from identity theft once notified. I am exercising my right to have these fraudulent accounts immediately deleted, suppressed, and blocked from my credit file. 
I request the following actions : Immediate removal of all fraudulent accounts listed above.

Blocking of all related information connected to these accounts. 
Notification to all furnishers to cease reporting these accounts. 
An updated credit report reflecting the removal of the fraudulent items. 
Please complete these actions promptly and provide written confirmation once the corrections have been made. 
Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
I am submitting this follow-up regarding previously disputed items on my credit report that remain inaccurately, misleadingly, or unverifiably reported. Despite prior disputes, the following addresses and accounts continue to appear incorrectly : XXXXXXXX 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  Balance : {$6200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies misrepresent my credit history and violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( a ), 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), which require consumer reporting agencies and furnishers to ensure maximum possible accuracy and to correct any information that can not be verified. I am requesting a thorough reinvestigation of all disputed items and immediate correction or removal of any unverifiable or inaccurate information.

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 2025-11-26 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I am the victim of identity theft. There is a fraudulent account reporting in my name with this company. 
I already provided a police report and sworn identity theft statement. 
The company refused to delete the fraudulent account. 
They did not provide any evidence showing I opened or used this account. 
They are violating my rights under identity theft laws. 
I am requesting CFPB assistance to have this fraudulent account permanently deleted from all credit bureaus immediately. 

Police Report Number : XXXX Company ignored identity theft documents and refused removal. 
Please investigate and enforce removal. 

Signature : XXXX XXXX XXXX XXXX XXXX Email : 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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EdFinancial Services
State: OH

Complaint narrative:
I am filing a complaint against EdFinancial Services due to inaccurate and inconsistent reporting of my student loans to XXXX  and other consumer reporting agencies. 

Two EdFinancial accounts contain multiple errors : 1. Account # XXXX 2. Account # XXXX These inaccuracies include : Missing payment or deferment data ( N/R ) Inconsistent codes such as X Unsupported or incorrect PDE deferment codes Irregular past-due reporting Missing monthly updates Conflicting late status information Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers may not provide information they know or should know is inaccurate. Under FCRA 623 ( a ) ( 8 ), I submitted a Direct Dispute requiring EdFinancial to conduct a full investigation. 

Despite my detailed dispute and supporting documents, these errors remain. I am requesting that the CFPB : Require EdFinancial to conduct a proper investigation Require them to verify all reported data with documentation Correct any inaccurate or incomplete information Delete these tradelines entirely if they can not verify each data point Confirm that all corrections were sent to XXXX  My Direct Dispute letters are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
This letter is a formal demand under FCRA 609 and 611 to perform a full reinvestigation, validation, and verification of the account reported by XXXX XXXX XXXX on my credit report. 

I dispute this account in its entirety. You must validate accuracy using actual source documentation and must delete unverifiable information. 

You are required to : XXXX. Initiate a complete reinvestigation. 
XXXX. Obtain documentary evidence supporting the tradeline. 
XXXX. Provide the XXXX XXXX XXXX, including name, title, and documents used. 
XXXX. Delete the tradeline if you can not produce legally sufficient verification. 

Send findings and an updated consumer file in writing. 

Sincerely, 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 2025-11-26 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:
This letter is a formal demand under FCRA 609 and 611 to perform a full reinvestigation, validation, and verification of the account reported by XXXX XXXX XXXX on my credit report. 

I dispute this account in its entirety. You must validate accuracy using actual source documentation and must delete unverifiable information. 

You are required to : XXXX. Initiate a complete reinvestigation. 
XXXX. Obtain documentary evidence supporting the tradeline. 
XXXX. Provide the XXXX XXXX XXXX, including name, title, and documents used. 
XXXX. Delete the tradeline if you can not produce legally sufficient verification. 

Send findings and an updated consumer file in writing. 

Sincerely, 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 2025-11-26 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: Affirm Holdings, Inc
State: OH

Complaint narrative:
This account has been on my credit report as AFFIRM did not give me any information that this is mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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 am filing this complaint as the verified owner of this credit file to formally demand the immediate removal of numerous inaccurate and unauthorized items that continue to appear on my Experian, Equifax, and TransUnion credit reports, despite six prior rounds of dispute. These repeated reporting errors are misleading, harmful, and violate my rights under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), 15 U.S.C. 605B / 15 U.S.C. 1681c-2, FCRA 619 ( 15 U.S.C. 1681q ), FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), and FCRA 604 ( f ) ( 15 U.S.C. 1681b ( f ) ). On Experian and TransUnion, the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  continues to be inaccurately reported as a charge-off with a {$0.00} balance, despite being closed with no outstanding balance, misrepresenting my credit history and harming my credit profile. Additionally, the following inquiries remain on my reports without authorization : on Experian, XXXXXXXX XXXX XXXX XXXX ; on Equifax, XXXXXXXX XXXX. These accounts and inquiries are not accurate or verifiable, and their continued presence falsely portrays credit activity I did not authorize. I have attached documentation proving my ownership of this file and evidence showing that these items are unauthorized and inaccurate, and I am requesting their immediate removal from all three credit reports. The repeated failure to remove these items after six previous disputes constitutes ongoing violations of federal law and continues to negatively impact my creditworthiness.

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 2025-11-26 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: NC

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. 
These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on 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 explanation
Consumer complaint received 2025-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered multiple hard inquiries on my credit report that I did not authorize and for which I never applied. These inquiries do not meet the FCRAs requirement that a user have a permissible purpose to pull a consumer report ( 15 U.S.C. 1681b ). I disputed the inquiries with the credit reporting agency and requested reinvestigation under 15 U.S.C. 1681i, but the inquiries remain on my file. I am asking the CFPB to investigate and require the credit reporting agency to remove all unauthorized inquiries and confirm in writing that my file hasbeencorrected.

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 2025-11-26 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:
I am filing this complaint as the verified owner of this credit file to formally demand the immediate removal of numerous inaccurate and unauthorized items that continue to appear on my Experian, Equifax, and TransUnion credit reports, despite six prior rounds of dispute. These repeated reporting errors are misleading, harmful, and violate my rights under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), 15 U.S.C. 605B / 15 U.S.C. 1681c-2, FCRA 619 ( 15 U.S.C. 1681q ), FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), and FCRA 604 ( f ) ( 15 U.S.C. 1681b ( f ) ). On Experian and TransUnion, the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  continues to be inaccurately reported as a charge-off with a {$0.00} balance, despite being closed with no outstanding balance, misrepresenting my credit history and harming my credit profile. Additionally, the following inquiries remain on my reports without authorization : on Experian, XXXXXXXX XXXX XXXX XXXX ; on Equifax, XXXXXXXX XXXX. These accounts and inquiries are not accurate or verifiable, and their continued presence falsely portrays credit activity I did not authorize. I have attached documentation proving my ownership of this file and evidence showing that these items are unauthorized and inaccurate, and I am requesting their immediate removal from all three credit reports. The repeated failure to remove these items after six previous disputes constitutes ongoing violations of federal law and continues to negatively impact my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
I am filing this complaint as the verified owner of this credit file to formally demand the immediate removal of numerous inaccurate and unauthorized items that continue to appear on my Experian, Equifax, and TransUnion credit reports, despite six prior rounds of dispute. These repeated reporting errors are misleading, harmful, and violate my rights under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), 15 U.S.C. 605B / 15 U.S.C. 1681c-2, FCRA 619 ( 15 U.S.C. 1681q ), FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), and FCRA 604 ( f ) ( 15 U.S.C. 1681b ( f ) ). On Experian and TransUnion, the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  continues to be inaccurately reported as a charge-off with a {$0.00} balance, despite being closed with no outstanding balance, misrepresenting my credit history and harming my credit profile. Additionally, the following inquiries remain on my reports without authorization : on Experian, XXXXXXXX XXXX XXXX XXXX ; on Equifax, XXXXXXXX XXXX. These accounts and inquiries are not accurate or verifiable, and their continued presence falsely portrays credit activity I did not authorize. I have attached documentation proving my ownership of this file and evidence showing that these items are unauthorized and inaccurate, and I am requesting their immediate removal from all three credit reports. The repeated failure to remove these items after six previous disputes constitutes ongoing violations of federal law and continues to negatively impact my creditworthiness.

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 2025-11-26 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:
Equifax is reporting the XXXX account with the most severe and harmful inaccuracies. Equifax is the only bureau reporting this account as OPEN even though it is a charge-off, which is materially impossible and highly misleading. Equifax also reports the account as 120 days late, contradicting XXXX  and XXXX, which both report the account as a closed charge-off. Additionally, Equifax lists a completely different creditor type ( Auto Financing ), different dates of last activity, different reporting dates, and a different dispute status. These inconsistencies show that Equifax is providing inaccurate, inconsistent, and unverified information in violation of 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681i, and the Furnisher Rule. I am requesting that Equifax provide full documentary verification or delete all unverifiable and inconsistent information from my credit file.

Company response to consumer: Closed with non-monetary relief