vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} 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 US 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hi, Myself XXXX XXXX. I am holding a savings bank account with Truist from more than XXXX year. This month i did observe a maintenance fee of {$12.00} deducted from my account. I reached out Truist and i got surprised and disappointed with their answer. I am reaching out you to help me here. Here is the explanation for deduction. Since i am not maintaining {$15000.00} per month in my savings account they deducted the {$12.00} fee Bank authority didnt inform me about this while opening the account and from last 1 year. I am not even getting more than {$10000.00} as salary I cant maintain {$15000.00} i would have closed this account or even i would have not opened it.. 

This seems to be kind of money game Truist have started. If they have this rule they should deduct for every month but thats not the case. They deducted this month only,, from last XXXX months i am holding around {$500.00} to {$1000.00}. This is the minimum amount what they have said while opening the account. No deduction happened from last XXXX  months. 

I would really request you to take this and help me to get my {$12.00} money

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 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Debt Validation letter sent on XX/XX/year>. 
No information received from debt collection agency. 
When I called LVNV I was referred to an attorney office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: FL

Complaint narrative:
I reviewed my credit reports and discovered that although none of my accounts are showing late payments, collections, or charge-offs, the bureaus continue to report inaccurate and unverifiable information in the form of outdated personal information and numerous hard inquiries. For example, Experian is still showing an alias XXXX XXXX XXXX, which is not accurate, and all three bureaus continue to list prior addresses that are no longer current, which increases the risk of mixed or merged files. In addition, TransUnion, Experian, and Equifax all show multiple hard inquiries between XX/XX/XXXX and XX/XX/XXXX from companies including XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX , and others. Many of these inquiries were not authorized, and no permissible purpose has been provided despite prior disputes. These errors remain on my credit file even after previous disputes, and they continue to harm my creditworthiness by lowering my scores and misrepresenting my identity and credit activity.

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 2025-08-18 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: FL

Complaint narrative:
I reviewed my credit reports and discovered that although none of my accounts are showing late payments, collections, or charge-offs, the bureaus continue to report inaccurate and unverifiable information in the form of outdated personal information and numerous hard inquiries. For example, Experian is still showing an alias XXXX XXXX XXXX, which is not accurate, and all three bureaus continue to list prior addresses that are no longer current, which increases the risk of mixed or merged files. In addition, TransUnion, Experian, and Equifax all show multiple hard inquiries between XX/XX/XXXX and XX/XX/XXXX from companies including XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX , and others. Many of these inquiries were not authorized, and no permissible purpose has been provided despite prior disputes. These errors remain on my credit file even after previous disputes, and they continue to harm my creditworthiness by lowering my scores and misrepresenting my identity and credit activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: GA

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX INQUIRIES : XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year>

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 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX, 2025 Dept of Ed/Aidvantage Attn : Compliance Department XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Re : Request for Account Information ( Not a Dispute ) To Whom It May Concern, I am writing regarding the above-referenced account. Please note that this letter is NOT a dispute of the account. I am simply requesting information in order to confirm the accuracy and completeness of the information being reported.

In accordance with 15 U.S.C. 1681e ( b ) ( Compliance Procedures ) and 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ), I respectfully request that you provide the following documentation and details regarding this account : The Date of First Delinquency.

The Date of Last Payment.

The Date of Charge-Off ( if applicable ).

The Complete Chain of Assignment, including the names of any prior owners or assignees of the account.

Please provide the requested information in writing within seven ( 7 ) days of receipt of this letter so that I may properly update and verify my records.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: VA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} 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 US 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ray Klein, Inc.
State: CA

Complaint narrative:
Multiple calls per day from this company ( Professional Credit Services ). During the last call on XX/XX/year> at XXXX XXXX  PST, the caller disclosed personal information about the account before confirming they were speaking with the intended recipient. They disclosed they were calling about a medical debt and the date from the debt. I would like legal action to be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jon Barry and Associates, Inc.
State: OK

Complaint narrative:
I received a billing statement with an outstanding debt owed. The statement says I can file a dispute at XXXX by XX/XX/year>. However, the site does not allow me to file a dispute electronically. The site does not accept the account number they provided to me nor does the site accept the reference number. Today is XX/XX/XXXX. And now I will miss the deadline to dispute because of their misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: LA

Complaint narrative:
Subject : Formal Dispute of Billing Errors Under 15 U.S. Code 1666 ( b ) Violation of Consumer Rights I am writing to formally dispute inaccuracies on my credit report regarding my account with EDFINANCIAL ( XXXX XXXX ). Upon reviewing my credit report, I noticed multiple billing errors that violate my rights under the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1666 ( b ), which defines a billing error as : The creditor 's failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

A computation error or similar accounting error made by the creditor on a statement.

Additionally, the creditor did not provide proper notification of the billing statement at least 21 days prior to the due date, as required by law. Therefore, any late payment marks on this account are invalid.

Details of the Dispute : Account Name : EDFINANCIAL ( XXXX XXXX ) Issue : Payments on this account were made on time as agreed, yet the account is inaccurately reported as late on my credit report. 

Violation : This constitutes a billing error under 15 U.S. Code 1666 ( b ).

I demand to see verifiable proof, including bank account records and payment history, showing that I failed to make payments on time. Without such evidence, this account must be updated to reflect " Paid as Agreed '' or removed entirely from my credit report.

Legal Implications : Under 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1681n ( civil liability ), this billing error constitutes a violation of my consumer rights. If this matter is not resolved promptly, I will pursue monetary compensation in small claims court in my city and state for the damages caused by these violations.

Escalation of Complaint : This letter has also been submitted to the following agencies to escalate my complaint : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission ( FTC ) Requested Action : Provide solid documentation from your records confirming the accuracy of the information you reported. 

Correct the account status to reflect " Paid as Agreed '' or remove this account from my credit report entirely. 


Please confirm receipt of this letter and provide a written response within 30 days, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: AMERISAVE MORTGAGE CORPORATION
State: PA

Complaint narrative:
From XXXX to XXXX I attempted to apply for a refinance loan to do repairs on my home. I explained to both XXXX XXXX and XXXX XXXX, what the funds were needed for. I needed them to remove an existing part of the house and repair a crumbled foundation. Both of these people assured me that the loan could be used for that. While speaking to XXXX, who is the sales manager, he asked me for the {$500.00} deposit to process this loan. I stopped him once again and said before I do that, will this loan be approved with a bad foundation on the house, I need the money to fix the foundation. He assured me that it could be he then asked me if I approved of the {$500.00} being withdrawn and I agreed, he then transferred me to XXXX XXXX, who is a processor who gathered more information and I started sending the information that they needed. In the meantime, while reading up on XXXX loans, I learned that it is not possible to get this loan because of the foundation. I then called XXXX XXXX, who informed me that this was not the loan for me because it would not be possible for an inspector to pass the house and the loan would not be approved. So essentially XXXX and XXXX both lied when asked a direct question. I attempted to stop payment through my bank, but that was not possible. I then sent emails to both XXXX and XXXX requesting my money be returned to me, but neither of them have returned my messages. Their numbers are XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. The company is XXXX XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-18 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: MI

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

1681c2 ) that you, the Equifax 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 Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} 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 US 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
XXXX  reports an account from Celtic Bank/Contfinco XXXX XXXX XX/XX/XXXX, balance {$0.00} ) as potentially negative. Reporting a {$0.00} balance closed account as negative is misleading, inaccurate, and violates FCRA 1681e ( b ). 

XXXX  lists XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$630.00} ) as a negative account. This account is inaccurate and unverifiable, and XXXX has failed to provide proper validation. Continued reporting without investigation violates FCRA 1681i and 1681s-2. 

XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$20000.00} ) is reporting inaccurate and incomplete data on my credit file. XXXX has not provided proper verification or complete payment history, violating FCRA 1681s-2.

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