vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: CO

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay.If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
{$13000.00} was taken from my M & T account on the wrong time. This was supposed to be taken out on the first day of window completion. Two days was given to have the windows installed. and the money was taken out before the install date, and the window service was not completed or started. I have the contract and I have pictures. M & T bank has been giving me the round around. An asked to Appeal the claim 3 times and I faxed a letter for appeal twice. M & T bank did not call me back and when I call them back it is back to square one. Banks are required by law Regulation XXXX to investigate unauthorized transactions. They did not properly investigate the claim, and I am appealing a re-review.

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 2025-11-16 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: MI

Complaint narrative:
I am submitting this complaint because the credit bureau is reporting a bankruptcy on my credit file without a permissible purpose and without providing Method of Verification, in violation of the Fair Credit Reporting Act ( FCRA ).

I have repeatedly requested the bureau to verify the bankruptcy, including : Source of the information Who verified it How it was verified What documents were used The bureau has not provided this information.

Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), I am legally entitled to a Method of Verification, and they have failed to provide it. 

If the bankruptcy can not be verified, it must be deleted.

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 2025-11-16 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:
I am the victim of identity theft, and several items on my credit report reflect fraudulent activity, unauthorized inquiries, or identity confusion. My Experian report shows inconsistent, inaccurate, or suspicious information that does not belong to me. 

Despite having an active fraud alert on my file, companies continued to furnish data without properly verifying my identity as required under : FCRA 602 ( accuracy mandate ) FCRA 604 ( a ) ( 3 ) ( permissible purpose ) FCRA 605A ( fraud alert obligations ) FCRA 605B ( identity theft blocking ) FCRA 611 ( reinvestigation requirements ) FCRA 623 ( a ) ( 1 ) ( A ) ( duties of furnishers ) FACTA Identity Theft Prevention Act Unauthorized hard inquiries were placed on my credit file without my consent or a permissible purpose under 604. I requested documentation proving authorization for each inquiry, including any application, contract, XXXX data, or signed consent. None was provided. 

Several accounts on my credit report appear to be fraudulent or inaccurately attributed to me, which indicates possible file mixing or identity theft. These accounts have harmed my credit standing and have caused financial and emotional stress. 

I also requested documentation verifying my identity prior to reporting these accounts and inquiries. The companies failed to do so. 

I need the CFPBs assistance because the companies have not complied with FCRA and continue reporting inaccurate, unauthorized, and identity-theftrelated 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 2025-11-16 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 am the victim of identity theft, and several items on my credit report reflect fraudulent activity, unauthorized inquiries, or identity confusion. My Experian report shows inconsistent, inaccurate, or suspicious information that does not belong to me. 

Despite having an active fraud alert on my file, companies continued to furnish data without properly verifying my identity as required under : FCRA 602 ( accuracy mandate ) FCRA 604 ( a ) ( 3 ) ( permissible purpose ) FCRA 605A ( fraud alert obligations ) FCRA 605B ( identity theft blocking ) FCRA 611 ( reinvestigation requirements ) FCRA 623 ( a ) ( 1 ) ( A ) ( duties of furnishers ) FACTA Identity Theft Prevention Act Unauthorized hard inquiries were placed on my credit file without my consent or a permissible purpose under 604. I requested documentation proving authorization for each inquiry, including any application, contract, XXXX data, or signed consent. None was provided. 

Several accounts on my credit report appear to be fraudulent or inaccurately attributed to me, which indicates possible file mixing or identity theft. These accounts have harmed my credit standing and have caused financial and emotional stress. 

I also requested documentation verifying my identity prior to reporting these accounts and inquiries. The companies failed to do so. 

I need the CFPBs assistance because the companies have not complied with FCRA and continue reporting inaccurate, unauthorized, and identity-theftrelated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I am requesting a full and immediate correction as required under federal law. 

Because the companies involved accessed and furnished my information without a permissible purpose, and because these items are associated with identity theft as defined under FCRA 603 ( q ), I am demanding the following relief : Delete and permanently block all accounts, inquiries, and negative information that were furnished without my authorization, as required under FCRA 605B / 15 U.S.C. 1681c-2.

Cease all reporting, sharing, selling, or furnishing of my personal information to any third parties who lack a lawful purpose, pursuant to FCRA 604 ( a ).

Conduct a complete and lawful reinvestigation under FCRA 611, using proper verification proceduresnot automated responses.

Obtain certifications from any furnishers under FCRA 609 ( e ) confirming whether they can verify that I authorized the accounts. 

Remove any unauthorized inquiries, as they represent illegal access to my consumer report. 

Provide written confirmation that the disputed information has been deleted and blocked, as required by the law. 

This request is supported by my official FTC Identity Theft Report ( Report Number : XXXX ), which legally requires blocking and removal of identity theft-related data. 

Failure to comply with these requirements may result in additional regulatory complaints and enforcement actions.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am filing this complaint because XXXX is furnishing credit data that is inaccurate, contradictory, and materially misleading, in violation of its obligations under the Fair Credit Reporting Act ( FCRA ). 

The account in question is : XXXX Account Number : XXXX Original Balance : {$590.00} Status reported : Paid Collection / Charge-Off This account has been fully satisfied, yet XXXX continues to furnish it as a derogatory debt with inconsistent dates, conflicting status codes, and remarks that do not align with the actual account history. The inconsistencies are not clerical errors ; they reflect a failure to maintain, verify, or correct information as mandated by federal law. 

Across the reporting history, XXXX has supplied : Different dates of last activity Different status descriptions Inconsistent updates to the accounts resolution Remarks that do not correspond with the accounts paid status XXXX has been notified of these inaccuracies, yet the misreporting continues.

This conduct violates the following provisions of the FCRA : FCRA 607 ( b ) failure to ensure the maximum possible accuracy of furnished information FCRA 623 ( a ) ( 1 ) ( A ) furnishing information known or reasonably expected to be inaccurate FCRA 623 ( a ) ( 2 ) failure to update or correct incomplete or inaccurate reporting FCRA 611 ( a ) failure to conduct a lawful and good-faith reinvestigation The misreporting has resulted in direct harm, including a depressed credit score, reduced access to competitive credit terms, and adverse effects on housing and financial opportunities.

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 2025-11-17 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:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

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 2025-11-17 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: NV

Complaint narrative:
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! 


XXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: IL

Complaint narrative:
I recently paid off over {$4000.00} on my U.S. Bank credit card and requested that the account be closed. At the time of closure, I was not told that I would receive any additional charges or a trailing balance after the account was closed. 

After closing the account, I received a bill for {$39.00}. This charge was never disclosed to me during the closure process. I called U.S. Bank customer service on XX/XX/year> and asked why I was being billed after closing the account. I was told the bank started a new policy six months ago and that they dont grandfather people in. I asked if the charge could be waived as a courtesy, considering my good payment history and the fact that I had just paid off the full balance, but the representative said they would not waive it. 

I paid the {$39.00} only to avoid any potential negative impact on my credit or risk of the closed account going delinquent, but I believe this fee was unfair. It was never disclosed, and I was told no exceptions could be made. The interaction felt dismissive and not customer-focused.

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 2025-11-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
Radius Global Solutions for an amount of {$1800.00}. Original Creditor XXXX for mobile service. This account was opened in 2022 using my SSN. The address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX I never lived in XXXX. Nor did I have XXXX service in XXXX 
It appears my SSN was breached in the XXXX XXXX XXXX breach. I am disputing this debt as I do not owe it. I want my credit report to be updated to reflect this.

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 2025-11-17 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: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The company has reported inaccurate, incomplete, and/or unverifiable information to the credit reporting agencies, causing harm to my creditworthiness and financial reputation.

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 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
I XXXX XXXX I am filing a complaint against XXXX XXXX XXXX ( Morgan Stanley ) for wrongfully restricting my brokerage/checking account after I deposited a legitimate paycheck, despite completing all required verifications during signup. Signup ( XXXX  ) : I opened an XXXX XXXX XXXX account to deposit paychecks. I completed multiple identity and account verifications ( ID upload, XXXX, address proof, etc. ) before the account was approved. 
Deposit : I deposited a legitimate payroll check from my employer via mobile deposit or in-branch. 
Clearance : The check cleared and funds posted to my account. 
Restriction ( few days later ) : My account was suddenly restricted I can no longer access funds, transfer, or withdraw. No fraud alert or reason was provided. 
Customer Service Runaround : I called XXXX XXXX XXXX support multiple times ). Representatives refused to explain the restriction, provide a case number, or escalate. They repeatedly said its under review with no timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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:
After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all 3 CRAs and they refuse to dispute or investigate the inquiries. Attached is a FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries : Except as provided in the section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: FL

Complaint narrative:
After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all 3 CRAs and they refuse to dispute or investigate the inquiries. Attached is a FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries : Except as provided in the section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

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 2025-11-17 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:
XXXX XXXX XXXX XXXX  XXXXXXXX, XXXX XXXX XXXX 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 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. XXXX XXXX XXXX The following items are inaccurate, incomplete, or unverifiable and must be deleted or corrected : - XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX. Charged-off revolving account, balance misreported. 
- XXXX XXXX XXXX XXXX account {$4100.00}, no proof of assignment or validation. 
- XXXX XXXX XXXX XXXX repossession {$30000.00} ; inaccurate payment history and charge-off status. 
XXXX XXXX XXXX XXXX XXXX loan ; marked consumer disagrees but no valid reinvestigation documentation provided. 
- XXXX / XXXX XXXX XXXXXXXX loan with late status ; payment record unverified. 
- XXXX / XXXX XXXX Credit card ; 30-day late improperly reported.

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 2025-11-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXXXXXX, XXXX XXXX XXXX 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 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. XXXX XXXX XXXX The following items are inaccurate, incomplete, or unverifiable and must be deleted or corrected : - XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX. Charged-off revolving account, balance misreported. 
- XXXX XXXX XXXX XXXX account {$4100.00}, no proof of assignment or validation. 
- XXXX XXXX XXXX XXXX repossession {$30000.00} ; inaccurate payment history and charge-off status. 
XXXX XXXX XXXX XXXX XXXX loan ; marked consumer disagrees but no valid reinvestigation documentation provided. 
- XXXX / XXXX XXXX XXXXXXXX loan with late status ; payment record unverified. 
- XXXX / XXXX XXXX Credit card ; 30-day late improperly reported.

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 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I have been receiving constant phone calls, emails text messages and mail. I have requested to place me on the do not contact list. Company is still reaching out to me via phone call text message emails and mail. There have been multiple dates and times of the phone call.

Company response to consumer: Closed with non-monetary relief