vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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:
Issue : Unauthorized ACH withdrawal of {$13000.00} from my checking account and incorrect handling of my dispute by M & T Bank. 
On XX/XX/2025 an unauthorized XXXX debit for XXXX from XXXX posted to my checking account ending in XXXX. I did not authorize this transaction. I reported the unauthorized debit to M & T bank within the Regulation E timeframe, but the bank denied my claim. they did not provide any documentation proving I authorized the ACH debit. On XX/XX/2025, M & T Bank sent me a letter stating that I requested a stop payment for XXXX. I did not request a stop payment. This is false and shows improper record keeping and misrepresentation by the bank. Despite the bank taking action to stop XXXX from further debits, they still refused to return the {$13000.00} and they still have not provided proof that I authorized the original transaction. This letter dated XX/XX/XXXX is new evidence that was not available during my previous CFPB complaint. Requested resolution : Refund the full {$13000.00} unauthorized debit. Provide proof that I authorized the ACH debit ( the bank has not provided any ). Correct the inaccurate statement that i requested a stop payment Conduct a proper regulation E investigation with documentation. provide a written explanation of how the prior investigation was handled. 
Reason for new filing ; This complaint contains new evidence dated XX/XX/2025 that was not part of my earlier CFPB complaint. The bank 's false statement that I requested a stop payment and the lack of authorization documentation require regulator review. 
.See XXXX, XXXX, XXXX and 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 explanation
Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
I am writing to file a dispute regarding several items on my credit report. Below are the details of the accounts I believe to be inaccurate. I request that these items be investigated and corrected where necessary. 

INQUIRIES EX : 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 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 2025-12-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIDELITY CAPITAL HOLDINGS, INC
State: TX

Complaint narrative:
Stock did a reverse split and they sold my shares at a loss without any permission from me

Company response to consumer: Untimely response
Consumer complaint received 2025-12-01 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: MD

Complaint narrative:
i have reviewed my credit report and found unverified items.

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 2025-12-01 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: LA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain accounts and inquiries listed on my credit reports. Please find the details of the accounts in dispute below, separated by each bureau. 

CHARGED OFF XXXX XXXX, XXXX, XX/XX/XXXX, {$360.00} XXXX, XXXX, XX/XX/XXXX, {$420.00} XXXX, XXXX, XX/XX/XXXX, {$340.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$2500.00} XXXX, XXXX, XX/XX/XXXX, {$9300.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1500.00} XXXX, XXXX, XX/XX/XXXX, {$51.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$160.00} XXXX, XXXX, XX/XX/XXXX, {$110.00} XXXX, XXXX, XX/XX/XXXX, {$370.00} XXXX, XXXX, XX/XX/XXXX, {$380.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} INQUIRIES XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX LATE PAYMENT XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, 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 explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
My mortgage contract states that a payment will be deducted from my checking account on the first of every month. Saturday XX/XX/year> my mortage company began the process of removing MY MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
XXXXDear: CFPBXXXXI hope this message finds you well. XXXXXXXXI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.XXXXIn light of these regulations, I must highlight that XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX,  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.XXXXI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.XXXXThank you for your attention to this matter. I look forward to your prompt response.XXXXSincerely,  XXXX XXXX XXXX XXXX XXXX XXXX, Tx. XXXX 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 explanation
Consumer complaint received 2025-12-01 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts listed on my credit report. I believe the information to be inaccurate and incomplete. Below are the details of the accounts in dispute, separated by each credit bureau. 

Charged Off Accounts : XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$15.00} XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$480.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$16000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$510.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$770.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$8500.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$2500.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$710.00} Inquiries : XXXX XXXX XXXX, XX/XX/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 explanation
Consumer complaint received 2025-12-01 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: CO

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: MS

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am disputing the accuracy and validity of a debt being reported or collected under the above XX/XX/XXXX account number. I have been notified of a balance allegedly owed, yet I have not received any proper validation or documentation that confirms the debt is legitimate, accurate, or enforceable.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I am writing to you today regarding the above-referenced account. This debt was settled and paid in full on XX/XX/2025. Prior to making this payment, a representative from this company, WORLD FINANCE CORPORATION account # XXXX, assured me that upon settlement with both companies, and since they no longer own the account the collection account would be removed from my credit report. I upheld my end of this agreement by paying the debt in full.As I am working to improve my credit standing and have maintained a strong payment history since this time, I was disappointed to see that the collection entry has not been deleted as promised.I have complained and disputed multiple times with XXXX XXXX as to why this account is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am disputing the XXXX XXXX account due to inaccurate and unlawful credit reporting. The account was closed and sent to collections, yet XXXX continues to report new monthly late payments as if the account is still active. This constitutes improper re-aging and violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), which requires furnishers to report only accurate information and prohibits the creation or continuation of inaccurate data. 

XXXX XXXX XXXX, the collection agency assigned to this account, has confirmed in writing that they do not report to the credit bureaus, meaning XXXX is solely responsible for the inaccurate monthly late marks. A closed or charged-off account can not legally continue to accrue new late payments. 

I am requesting that you investigate this matter and remove all late payments added after the account was closed. If XXXX can not verify accurate and lawful reporting under the FCRA, please delete this account from my credit file entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: Lendmark Financial Services
State: GA

Complaint narrative:
I'm a customer of LENDMARK FINANCIAL of the XXXX GA XXXX. Unfortunately, I've experienced life changing events lately and have been falling behind on my accounts. Nevertheless, I don't go over XXXX days late. XXXX XXXX has been very helpful by refinancing and granting deferments and aware of my situation. I then began receiving calls from a XXXX of the XXXX office and she stated she was new in the office. I tried to brief her of my situation and informed her that I had a post dated payment set that would keep me from going over XXXX days late, but out of month. She periodically called, saying she couldn't let me go past the end of the month. Which I didn't understand, because I was focused on XXXX days is when they could legally post late? Her phone calls became pressing and she led me to believe that she could refinance and start over in XXXX. I know she's trying to justify saying she gave me options, but every time I said I wanted to go with my current post payment arrangement. She subliminally mentions/about further collection activities? And got me to give her a credit inquiry. Then the refinancing she said she was doing for me fell through. Now I have an unnecessary inquiry added to my XXXX account and added henderence for my future XXXX housing loan I have planned for the upcoming year. Please remove the inquiry from my credit bureaus accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: Kinum, Inc., Indianapolis, IN Branch
State: MI

Complaint narrative:
Request for investigation & Deletion of inaccurate accounts - FCRA 1681e ( b ) To Whom it May Concern, I am disputing the accuracy of the following accounts : - XXXX XXXX Under FCRA 1681e ( b ), you must maintain maximum possible accuracy. These accounts are inaccurate or unverifiable. XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ) - superficial investigations violate FRCA. Please delete and confirm in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to comply with its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). This provision requires the agency to provide a comprehensive description of the reinvestigation procedures used to verify disputed information when requested by the consumer. I specifically requested the name and contact information of the furnisher, the identity of the individual with whom the agency communicated, and the documentation relied upon to verify the accuracy of the disputed account. The agency failed to provide this information within the XXXX period mandated by law, which constitutes a clear and direct violation of my rights under the FCRA.

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 2025-12-01 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief