vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> LVNV Funding LLC XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Subject : Debt Validation Request Account # XXXXXXXX XXXX XXXX XXXX XXXX Dear LVNV Funding, I am writing in response to the collection account you are reporting on my credit file, originally from XXXX  XXXX. This is not a refusal to pay, but a request for validation made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I request that you provide validation of this debt, including : 1. Proof that you own or have been assigned the debt.

2. The original signed agreement or contract with XXXX XXXX. 
3. A full accounting of the alleged balance, including principal, interest, fees, and payments.

4. Verification that you are licensed to collect in my state.

Until you provide the above, you must cease all collection activities and stop reporting this account to the credit bureaus.

If you can not validate the debt, you are required to delete this account from my credit reports with XXXX XXXX XXXX XXXX 

Thank you for your cooperation. Please respond within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: NC

Complaint narrative:
Equifax and XXXX  are inaccurately reporting my federal student loan as over 6 months delinquent, and XXXX ( my servicer ) is furnishing this false data. My account is current and has only been late once. I have disputed with Equifax multiple times over the past 6 months, but each time Equifax verifies the false information without properly investigating, in violation of FCRA 611 and 623 ( b ).

This is causing me significant harmI can not obtain housing because many NC landlords only use Equifax reports or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
I disputed accounts with Experian that are not mine and provided an FTC Identity Theft Report as supporting evidence. Despite submitting these disputes, Experian has failed to remove the fraudulent accounts, and they remain on my report.

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 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: MI

Complaint narrative:
Stated that I owed taxes in or around the amount of {$400.00} with fees adding up to {$660.00} None of this makes any sense as I have not filed taxes since XXXX I have not filed any taxes for the XXXX fiscal year because I was XXXX. I did not pay any taxes because I did not XXXX XXXX XXXX during this time. I did not have any employement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am filing this complaint because TransUnion is reporting a late payment on my account with XXXX XXXX XXXX ( account # XXXX XXXX XXXX XXXX XXXX  ) dated XX/XX/year>. This account is fully paid, closed, and has a XXXX balance with no past due amounts. Despite this, TransUnion continues to reflect a late payment that never occurred, which is completely inaccurate and misleading. The presence of such a mark on my credit file is harmful because it suggests to lenders, creditors, and other financial institutions that I was delinquent, when in fact I responsibly paid and closed this account.

This is a clear violation of my rights under the Fair Credit Reporting Act. Under 15 U.S.C. 1681e ( b ), TransUnion is required to maintain maximum possible accuracy in all information it reports. By reporting a false late payment, TransUnion is failing to comply with this legal obligation. Furthermore, under 15 U.S.C. 1681i ( a ), when I dispute inaccurate information, the bureau is required to conduct a reasonable reinvestigation and either verify the item with proper documentation or remove it if verification can not be provided. TransUnion has continued to report this late payment without providing legitimate evidence that it ever occurred, effectively ignoring its statutory duties.

The impact of this inaccurate reporting has been significant. Even though the account is closed and paid, the false late payment has affected my creditworthiness, potentially resulting in higher interest rates and greater scrutiny from lenders. Beyond the financial consequences, it has caused me undue stress and frustration as I repeatedly attempt to correct a matter that should have been straightforward. The failure to accurately report my account history erodes trust in the credit reporting system and directly harms consumers who are acting responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: TN

Complaint narrative:
I have a lot in accuracies on my report and I will upload to show my evidence. The credit report agency have failed to file the correct information causing damages to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
People is checking my credit running my credit without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
While reviewing my credit report, I discovered inquiries that I did not authorize and that are not associated with 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 non-monetary relief
Consumer complaint received 2025-08-27 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 disputing the several items on my credit report that are inaccurate, incomplete, and unverifiable, which are causing significant stress and negatively affecting my financial well-being. Upon reviewing my report, I noticed a XXXX XXXX account with a balance of {$4000.00} reported as a charge-off. Because this debt exceeds {$600.00}, federal law requires that the creditor issue an IRS Form 1099-C for canceled debt. I have not received any such documentation, and therefore this entry can not be verified and should be removed from my credit file.

Additionally, my report lists a charge-off from XXXX showing a XXXX balance. According to FCRA 605 ( a ) 15 U.S. Code 1681c, information that is obsolete, inaccurate, or unverifiable must be removed from a consumers credit report. This account reflects either incomplete or inaccurate reporting, and I request that it be deleted immediately.

Furthermore, my credit report contains inquiries from XXXX XXXX and XXXX XXXX XXXX that I did not authorize. Under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), all inquiries must have a permissible purpose, and under FCRA 619 15 U.S.C. 1681q, reporting inquiries without consent or legal basis is prohibited. These inquiries are unauthorized and must be removed from my credit file.

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 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I am filing this complaint regarding account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXXXXXX. 

On XX/XX/year>, I sent a formal dispute because the payment history is inaccurate and misleading. XXXX XXXX XXXXXXXX reported the account as 60 days late for three consecutive months, which is not possible and distorts the true status of the account.

This violates the FCRA ( 15 U.S.C. 1681e ( b ) and 1681i ). Despite my dispute, I have not received any response or documentation supporting this reporting.

Equifax dont answer me.

please help me cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
This account shows a XXXX balance. I also noticed that the account number is not complete there are a bunch of XXXX  in place. I also noticed that the first date of delinquency is not present, but it is in other bureaus, and they are all different actual dates. Please correct this information as it must be accurate fair and complete FCRA SECTION 609.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Mortgage — FHA 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: Fay Servicing, LLC
State: MO

Complaint narrative:
Good evening, my husband and I filed bankruptcy last year and our loan went from XXXX XXXX  to Fay Servicing. Ever since the change in companies it has been a nightmare. We were in forbearance and we called to see about making our payments again. They told us we would have to pay everything we were behind so we tried selling the home. The day of the sale of the home Fay servicing sent in the final number and we were told we needed XXXX to close on the home. We did not that kind of money so we tried working something out with them. They told us in XXXX we would have to go through a probation period which we did then they sent us a contract to get notarized. We did everything they asked of us, and we called in XXXX to make our first payment and they said we were in foreclosure and they couldnt do anything for us. They said they never received our contract even though we have tracking that shows they did receive it. We also talked to the attorney general and they sent the attorney general a copy of the contract they said they did not receive. They told us we would have to go through the loan modification applications again which we did. Then we got a letter in XXXX stating they were auctioning off our house. They said they can no longer work with us or do anything for us. If you look this company up we arent the first case. They arent helping anyone out. Their communication isnt good, and they dont know what is going on whenever you call. Its always a different story.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX disputing a late payment on my mortgage that was done in error.

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 2025-08-27 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: PA

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint Regarding Unauthorized Maintenance Fee by Bank of America To Whom It May Concern, I am writing to file a formal complaint against Bank of America regarding an unauthorized and un-notified maintenance fee charged to my account.

On [ Date of charge ], a maintenance fee of {$12.00} was charged to my account, with no prior notification. I did not receive any prior notification, including statements, phone calls, or letters, about the change to my account or the implementation of this new fee. The charge appeared without my consent or approval.

Upon discovering the fee, I immediately contacted a Bank of America representative on [ Date of call ]. The representative was sympathetic and acknowledged that I had not been properly notified. They assured me that the fee would be reversed. However, as of this date, the fee has not been refunded to my account.

This action by Bank of America is a violation of the Consumer Financial Protection Bureau 's guidelines regarding fair and transparent practices. I am requesting that the CFPB investigate this matter and ensure the fee is promptly reversed.

I have attached a copy of my bank statement showing the charge.

Thank you for your time and attention to this matter. I look forward to your response and a swift resolution.

Sincerely,

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 2025-08-27 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 filed disputes with TransUnion regarding accounts that do not belong to me. Along with my disputes, I attached my FTC Identity Theft Report to show these accounts were the result of identity theft. Even with this documentation, TransUnion has continued to report the same accounts on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: AZ

Complaint narrative:
The Cash app offer said if I loaded the offer it would take 5 percent off a ride so I loaded it to use for my XXXX ride the next morning. However when I tipped for a previous ride, they applied the offer to the tip and removed the offer so I can't use it on a ride now. The offer explicitly stated 5 percent off any ride. Not 5 percent off any tip. The offer was applied incorrectly to a XXXX $ tip making the savings much lower than taking 5 percent off a XXXX $ ride. I feel the offer was advertised incorrectly and shouldn't have been applied to an XXXX tip but applied to an XXXX ride.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: PA

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. Below is the accounts that I request to be investigated and updated : XXXX XXXXXXXX XXXX XXXX Balance Owed : {$15000.00}

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 non-monetary relief
Consumer complaint received 2025-08-27 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: AR

Complaint narrative:
I respectfully request that immediate steps be taken to block and remove these accounts from my credit history.

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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
This account has been appearing on my credit report and I have tried to rectified this with the credit bureaus. Nothing has been done to remove this item that is not mines, I was a victim of identity theft. I have disputed this item, and the credit bureaus have not removed this as this is a violation of my consumers rights, as documentation has been provided. I will proceed with legal action on the credit bureau as well as the collection agency. The item was originally owned by XXXX XXXX and I never had an account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account Details : 1. XXXX XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation