vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am XXXX and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not.

As this my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.

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 2025-04-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am XXXX and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not.

As this my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: W&A Intermediate Co., LLC
State: OK

Complaint narrative:
XXXX XXXX XXXX is using Wakefield & Associates to collect a medical debt and report it to the credit bureaus, despite the Consumer Financial Protection Bureau ( CFPB ) finalizing a rule that removes medical debt from credit reports. This rule prohibits credit reporting agencies from including medical collections in credit reports and bans lenders from using medical information in credit decisions. The purpose of the rule is to protect consumer privacy and prevent debt collectors from using credit reporting to pressure consumers into paying potentially inaccurate or unfair medical bills.

The amount in question originally was {$1600.00} and has since increased to {$1900.00} as of XX/XX/XXXX. The account number is XXXX and it was opened on XX/XX/XXXX. Despite this debt qualifying for removal under the CFPBs rule, it remains on my credit report. I am requesting that this item be permanently removed from all credit reporting and that written confirmation be provided once this is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: 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 non-monetary relief
Consumer complaint received 2025-04-16 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-16 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: CA

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law.

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-04-16 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I check my credit reports I was in a data breach. I saw the following INQUIRES : XXXX XXXX XX/XX/XXXX JPMCB CARD XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
This complaint is not a mistake, my credit report contains inaccuracies that fall short of the required standard of maximum possible accuracy. These errors are seriously affecting me, and I urgently need them corrected or removed.

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 2025-04-16 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-16 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: IN

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Summary : I have reached out to the company by phone ( three different phone numbers ), email, and XXXX, and requested information by mail, but have not been able to reach them to unfreeze my credit. This is hurting my family financially. 

XXXX XXXX XXXX I was easily able to freeze my credit on the Experian dashboard, alongside the other two major credit bureaus. 

XXXX XXXX XXXX I realized I needed to submit one time-sensitive credit card application for my business before going back to a freeze. I easily unfroze the other two bureaus. Experian would not let me log in. The portal gave repeated errors. The phone tree was impenetrable and threw me into a loop, asking me to take actions online that were futile and that ultimately directed me back to the dead-end automated phone tree, where no human support was accessible. I requested a pin to be mailed to my home address. ( It never arrived. ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX I tried to log in to the Experian XXXX in various ways, and got error pages indicating the site was broken. ( Screenshot attached from XXXX. XXXX. ) As instructed in the error page, I called multiple Experian phone numbers, and never reached a human to help me log in, or verify my identity, or request a freeze pin. I repeatedly tried to log in to an online account for more info but received repeated set-up errors, site bugs, and login codes sent to either of my XXXX phone numbers that never arrive. 

Calling the Experian number XXXX recommends calling a different number : XXXX. That latter option dead-ends at While I can only transfer calls under specific circumstances, Im here to help you with certain tasks, like [ irrelevant tasks ]. You may say yes or end the call '' or Apologies Im still unable to proceed with the details provided. Please try calling us later. 

XX/XX/XXXX I've waited over XXXX months but no mail has arrived with this pin, and I have no access to prompts to request a new one. I tried creating a new account again in the online portal and received an error ... and the same old useless phone numbers. It feels like a cruel prank. It's been XXXX months. My family needs to apply for a loan and Experian do any humans work here? is standing in the way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
I filed a dispute with all three credit bureaus because M & T Bank is not properly reflecting my on-time payments or monthly payment amount. I received the disputes back with no changes made, stating that M & T reviewed and verified the information. They either completely ignored the request or are purposely attempting to delay proper reporting. It already took them over two months to onboard my loan and reflect in on my credit. The least they could do, is provide accurate information. 

This is the second time that I have had to file a complaint because M & T Bank simply will not fix anything unless you go to extreme measures. 

I made on time payments for XXXX, XXXX and XXXX. Neither the XXXX nor XXXX payments are being reflected on any of my reports. Additionally, they have my monthly payment as {$2900.00} when it should be {$2600.00}. Although it may seem inconsequential to this mortgage company, they are required to provide full and accurate reporting.

I have pulled the true and accurate information directly from their own website, showing on time payments and my monthly payment. The fact that they could blatantly state that they reported accurately, but the truth is right there for them to see, is extremely unprofessionally.

Please see attached screenshots reflecting my name, loan number, payments made on time and my true monthly payment. Kindly do not close out this complaint when M & T responds, as they have a habit of claiming things have been resolved when they haven't ( My first dispute was not completed satisfactorily, at all )

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 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MORGAN STANLEY & CO. LLC
State: OH

Complaint narrative:
Was emailed twice from E * Trade / Morgan Stanley to open a checking account and receive a {$250.00} sign up bonus. 
Terms were : You must be the original recipient of this offer ( I was sent this directly twice in XXXX & XX/XX/scrub> 2024, will attach ). 
Open account by XX/XX/XXXX : ( I opened this account XX/XX/year>2024, see attachment. ) You can't ever have had a checking account with Etrade/Morgan Stanley in the last 12 months ( I had never had one before, nor anyone in my family ).

Direct Deposit 2x {$1000.00} or more direct deposits within 90 days ( I made 2x Direct Deposits on XX/XX/scrub>/2024 and XX/XX/year>2024 of {$1000.00} each, see attached ). 
You must keep your account in good standing ( I did and it still is ). 
Payment will be paid in 120 days ( It's been well over 120 days now on XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Im having a problem with XXXX XXXX  and Experian. After my lease agreement with XXXX XXXX was up they got back their car and still decided to bill me months after I did not have that car anymore they charge me unreasonable fees and then sold the car for over {$40000.00} and still was charging me for excessive fees when our contract was over. I reached out to them because we had a messed up lease agreement and I put down money over {$9000.00} for security deposit which was never returned to me and they still charge me over {$2500.00} in fees after I returned the car nothing was wrong with the car because they was able to sell the car for more than my lease agreement. I reached out to Experian with proof that there was wrong things being reported to them and asked them to fix it and do a investigation regarding it and they have not yet completed that as yet XXXX XXXX was moved from my XXXX XXXX and XXXX account but Experian has not removed it I have over 15 new remarks regarding charge off on my account and over nine repossessions on my account after my lease ended in XXXX and they got their car back after the lease. Because of this its affecting my credit and my everyday life and Im trying my best to work with Experian and XXXX XXXX  to get this situation correct but unfortunately every single time I try to do a dispute XXXX XXXX does more damage to my credit report. Im asking you guys to please help me correct this matter.

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 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My complaint is with a CAPITAL ONE credit card. I have my account set up for auto payments. My payment was short by XXXX XXXX. They charged me a late fee for {$29.00}. It was not late. I paid the additional XXXX XXXX shortage. I called customer service and they refused to let me speak to a manager. I was requesting to have the {$29.00} Reversed. I am a XXXX woman {$29.00} means a lot to someone who lives on Social Security please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-16 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: CO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: IN

Complaint narrative:
Subject : Formal Billing & Reporting Dispute Account # XXXX Disputed Late Payment Month : XX/XX/year> Issue : Inaccurate & Inconsistent Late Payment Reporting Across Bureaus To Whom It May Concern, This letter serves as a formal dispute and request for correction regarding inaccurate and inconsistent reporting tied to my XXXX XXXX XXXX XXXX account # XXXX, specifically a late payment reported for XX/XX/year>. 

Basis of Dispute : your institution is reporting inconsistent payment data across the XXXX major credit bureaus ( Equifax, Experian, and TransUnion ). This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), which requires furnishers of credit information to report accurate and complete data. 

The XX/XX/year> late payment is not only inaccurate, but its inconsistent reporting is causing harm to my credit profile, including score drops and unjustified risk classification. 

Request for Resolution : Please conduct a full investigation of this account, including your records of billing statement delivery in or around XX/XX/year>. 

Provide the Method of Verification ( MOV ) used to validate the late payment reporting to the credit bureaus. 

Immediately update the account to reflect " paid on time '' for XX/XX/year>, and correct all reporting discrepancies across all credit reporting agencies. 

Provide a written confirmation of the correction and the updated account history. 

If this issue is not resolved within 15 business days, I will escalate the matter with the Consumer Financial Protection Bureau ( CFPB ) and consider taking legal action under the FCRA and FCBA for damages related to inaccurate reporting. 

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

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