vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
Between XXXX and XX/XX/year>, all three credit bureaus ( XXXX XXXX XXXX XXXX ) reported incorrect balances for my Milestone and XXXX  XXXX credit cards. The Milestone statement posted on XX/XX/XXXX, and the XXXX  XXXX statement posted on XX/XX/XXXX. These should be the balances reflected for XXXX, but instead, the bureaus are reporting inflated amounts from XXXX billing cycleseven though those charges havent been billed or are not due yet. 

Despite submitting multiple disputes and providing proof ( including account statements ), the incorrect balances persist and have caused a significant drop in my credit score. These premature updates undermine the accuracy of my credit file, and the issue continues to escalate with each reporting cycle.

Im requesting a full investigation and correction of the reported balances based on the actual posted statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: CT

Complaint narrative:
I have recently reviewed my credit report. I was shocked to find the information being reported is incomplete and unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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:
The existence of this account has caused me significant XXXX, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit 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 2025-08-05 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: TX

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion immediately block and permanently remove multiple fraudulent accounts including the following : Collection accounts at ACCT XXXX- XXXX  ( account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX, {$520.00} ) ; XXXX XXXX TU XXXX  ( account XXXXXXXX XXXX XXXX XXXX, opened XX/XX/XXXX, {$540.00} ) ; XXXX XXXX XXXX TU ( accounXXXX XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, {$2700.00} ) ; XXXX  - ALL ( account XXXX *, opened XX/XX/XXXX, {$8500.00} ) ; and XXXX  - XXXX ( account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX, {$16000.00} ), that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report # XXXX, # XXXX & # XXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach. 

I am filing this FTC Identity Theft Affidavit to report five fraudulent accounts appearing on my consumer FICO TransUnion, XXXX, and XXXX  credit reports which I do not recognize and which are the result of identity theft and fraud. These accounts include collection accounts with XXXX XXXX ( opened XX/XX/XXXX, acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$520.00} ), XXXX  ( opened XX/XX/XXXX, acct # XXXXXXXX XXXX {$8500.00} ), XXXX ( opened XX/XX/XXXX, acct # XXXXXXXX XXXX XXXX XXXX {$540.00} ), XXXX XXXX  ( opened XX/XX/XXXX, acct # XXXX XXXX XXXX XXXX XXXX {$2700.00} ), and XXXX  ( opened XX/XX/XXXX, acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$16000.00} ). These fraudulent accounts have caused unauthorized hard inquiries and collection activity. I demand the immediate removal of these items from all my credit reports and that all collection efforts cease under my rights pursuant to the FCRA and FDCPA.

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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 2025-08-05 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: DC

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report. I have previously submitted disputes regarding these inaccuracies, but they have not been corrected, and the issues continue to negatively affect my credit score and financial standing. 
As you are aware, Equifax experienced a significant data breach in 2017, which exposed the personal and financial information of millions of consumers, including myself. This breach may have contributed to the erroneous information on my credit report, which has not been rectified despite previous attempts to resolve these disputes. 
I have already submitted disputes regarding these inaccuracies, yet they remain unresolved. As per the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes in a timely manner and correct any inaccuracies. The continued reporting of incorrect information, in light of the data breach, raises concerns about the accuracy and integrity of my credit report.

I respectfully request that you : Immediately investigate these disputed items. Please conduct a thorough investigation of the accuracy of the information and correct any inaccuracies within the statutory 30-day period.

Provide an update or resolution. Notify me of your findings and the actions taken to correct the inaccuracies.

Remove any unverifiable or incorrect information. If you are unable to verify the accuracy of the disputed items, I request that you remove them from my credit report entirely.

Additionally, please send me a written confirmation once the necessary corrections have been made, including an updated copy of my credit report reflecting the changes.

I trust that you will act swiftly and in compliance with all applicable laws and regulations to resolve this matter.

Thank you for your prompt attention to this issue. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
When my loans were transferred to Aidvantage I was unable to add my bank account with the notice that " the combination of acct & routing number resulted in a rejected payment ''. The notification requested I have my bank send a letter to confirm the account. I had my bank send that letter a few months ago. 

Because my loans haven't required payment, I've only recently tried adding my bank account again. I saw the same notification that I could not add my account. 

Last week I emailed customer support about the issue. They marked the issue 'resolved ' and in the resolution only stated that they were looking into it. 

Today I called the XXXX number. After being placed on hold a few times, with the agent saying they were looking into it, the call ended. 

Online chat has only given me a ticket number with no resolution. 

I've completed the requested actions, and have had no help in seeing this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Experian immediately block and permanently remove multiple fraudulent accounts including Collection accounts at ACCT XXXX- XXXX  ( account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, {$520.00} ) XXXX XXXX XXXX XXXX EX ( account XXXXXXXX XXXX XXXX XXXX, opened XX/XX/XXXX, {$540.00} ) ; XXXX  - ALL ( account XXXXXXXX XXXX, opened XX/XX/XXXX, {$8500.00} ) ; and XXXX  - ALL ( account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX, {$16000.00} ) that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report # XXXX & # XXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach. 

I am filing this FTC Identity Theft Affidavit to report four fraudulent accounts appearing on my consumer FICO XXXX, Experian, and XXXX  credit reports which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts consist of collection accounts with XXXX XXXX  ( opened XX/XX/XXXX, account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$520.00} ), XXXX  ( opened XX/XX/XXXX, account XXXXXXXX XXXX  {$8500.00} ), XXXX ( opened XX/XX/XXXX, account XXXX XXXX XXXX XXXX, {$540.00} ), and XXXX  ( opened XX/XX/XXXX, account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} ). These accounts have resulted in fraudulent hard inquiries and unauthorized collection activity. I demand these items be removed from all of my consumer credit reports and that any collection activity related to them cease immediately pursuant to my rights under the FCRA and FDCPA. 

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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.

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 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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

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.

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 non-monetary relief
Consumer complaint received 2025-08-05 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-05 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
I am writing to formally dispute the validity of the above-referenced account, which has been reported to the credit bureaus and is appearing on my credit report. This letter also serves as a demand for you to cease and desist all collection activities regarding this account until the matter is resolved. 

I do not recognize this account, nor have I entered into any agreement with your company for this alleged debt. 

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I request that you provide written verification and documentation proving that this account is valid, accurate, and legally enforceable. 

If you can not provide such documentation, you must immediately remove the account from all credit reporting agencies and cease any collection activities. 

Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), you are hereby instructed to stop all communications with me, except to provide verification of the disputed debt or to inform me of your intentions regarding this matter. 

Failure to comply with this request will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office, and to consider legal action to protect my rights. 

Please confirm receipt of this letter in writing, and provide your response within XXXX  days as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX and/or their debt collector Spring Oaks Financial for inaccurate credit reporting. 

In XXXX XXXX I settled and paid a total of {$940.00} toward the account originally held with XXXX XXXX. This debt was settled in full, and I have documentation to confirm the payment and settlement terms. 

However, either XXXX XXXX or Spring Oaks Financial is misreporting the account on my credit report. It continues to reflect as unpaid or charged off, which is incorrect. This is a violation of the Fair Credit Reporting Act ( FCRA ) and has negatively affected my credit standing. 

As a result of this inaccurate reporting, I have experienced financial hardship, such as being denied a loan, receiving a higher interest rate, or being unable to move forward with a mortgage or car purchase. 

Given the distress, time, and financial impact this has caused, I am requesting that the matter be fully investigated and the account be corrected with all credit bureaus to show Paid Settled or equivalent accurate status. 

In addition, I am seeking financial relief in the amount of {$1000.00} to compensate for the burden and damage caused by this reporting error. 

Thank you for your time and assistance.

Company response to consumer: Closed with non-monetary relief