vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
To whom it may concern, Dear Credit Bureau, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts in my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681| ( 7 ).

Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
XXXX. XXXX & XXXX : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
XXXX. XXXX & XXXX : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
XXXX. XXXX & XXXX : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
XXXX. XXXX & XXXX : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account 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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I am filing this complaint regarding Credit Collection Services ( CCS ) and their reporting of an alleged debt on my credit reports. The information being furnished by CCS is inaccurate, incomplete, and can not be properly verified, and therefore must be removed pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). 

I am disputing the following account : Creditor/Collector : Credit Collection Services Account Number : XXXX Amount Reported : {$460.00} Bureaus Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), consumer reporting agencies are required to delete any disputed information that is found to be inaccurate, incomplete, or unverifiable after investigation. 

CCS has failed to provide : Complete and accurate documentation proving the debt is valid Proper verification that they are legally authorized to report this account Accurate reporting of key data points, including dates, balance, and status Because the furnisher has not produced valid evidence, the information can not be verified, and therefore must be deleted under the statute.

Additionally, per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if the information can not be verified, the furnisher is prohibited from reinserting the tradeline unless they submit a valid certification of accuracy which has not happened. 
I am requesting that the credit reporting agencies : Conduct a full reinvestigation of the CCS account Require verification from CCS with proper documentation Delete the account entirely if CCS can not verify all information as accurate Provide written confirmation of the results of the investigation This account is currently harming my credit and does not meet FCRA accuracy and verification requirements. 

I have already attempted to resolve this matter directly, but the furnisher continues reporting without providing valid proof. This violates FCRAs accuracy and verification standards. 

Therefore, I am requesting the CFPBs assistance to ensure : proper reinvestigation removal of unverifiable information compliance with 15 U.S.C. 1681i ( a ) ( 5 ) Thank you for your attention. I request the deletion of this account if verification can not be fully and accurately established. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: SC

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$950.00} Date of Last Activity : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date of Last Activity : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$330.00} Original Creditor XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My credit card was charged for a purchase that I did not authorize. I called the merchant and asked them to review the sales audit. The merchant did not return the amount to me as requested. I contacted the card issuer and the bank credited my account. The bank sent me confirmation letters that this amount would be placed back on my card, however my account states that the bank did not place this amount back on my card.

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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: Experian Information Solutions Inc.
State: TX

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 2025-12-02 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: VI

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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 2025-12-02 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: NV

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
M & T Bank has made multiple errors in managing my mortgage escrow account, resulting in incorrect tax payments, inaccurate escrow projections, and improper increases to my monthly mortgage payment. 
1. Incorrect XXXX Tax Disbursements : M & T paid incorrect amounts to the City for my property taxes. For the first half of XXXX, they disbursed {$5700.00} even though the correct amount was {$2900.00}. For the second half of XXXX, they disbursed {$4700.00} instead of the correct {$4700.00}. 
2. Incorrect Tax Estimates for XXXX : M & T incorrectly estimated my XXXX XXXX and XXXX. ( XXXX XXXX ) property taxes as {$7100.00}, even though the Citys correct amounts are {$2300.00} per quarter ( total {$4700.00} ). 
3. Incorrect XXXX XXXX XXXX : Because M & T used incorrect XXXX tax amounts and incorrect projections, their XXXX escrow analysis is wrong. The correct XXXX annual escrow amount should be {$9400.00} or {$780.00} per month. 
4. Incorrect Monthly Escrow Deductions : M & T has been deducting the wrong escrow amount for the last XXXX months, creating an artificial escrow shortage. 
5. Late Tax Payment by M & T : M & T failed to pay my XXXX XXXX XXXX property tax on time, resulting in the City charging {$84.00} in interest in the next quarters tax bill. I am now forced to dispute XXXX & XXXX disbursal of the charge out of my escrow account, as the failure resulting in the interest fee was theirs and not mine. 
6. Escrow Shortage Letter Dated XX/XX/XXXX : M & T sent me a letter claiming an escrow shortage and increasing my mortgage payment for XXXX, but these calculations are based on the incorrect information above. 

I have contacted M & T Bank and requested : A corrected XXXX escrow analysis Correction of all XXXX tax disbursements Reimbursement of the {$84.00} penalty Adjustment of my monthly escrow payment to the correct {$780.00} A revised, accurate escrow shortage amount Application of any legitimate shortage as a one-time payment I am submitting this complaint because these errors have not yet been resolved and have caused financial harm, an inaccurate increase in my monthly mortgage payment, and unnecessary administrative burden.

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 2025-12-02 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-02 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: MI

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : 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 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

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: EQUIFAX, INC.
State: TN

Complaint narrative:
These accounts appearing on my credit report are completely unknown to me and were never opened, authorized, or managed by me. Their presence is inaccurate and misleading, and it wrongly suggests activity that I had no part in. This is a serious invasion of my consumer rights and has caused me substantial concern about the security and accuracy of my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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:
This is an escalation of my prior CFPB complaint. The credit bureau continues to refuse compliance with FCRA 605B and 623 despite receiving all legally required identity-theft documentation, including my FTC Identity Theft Report ( # XXXX ), LAPD report , government ID, SSN, and proof of address. Instead of applying 605B procedures, the bureau responded with a generic 611 dispute handling process, which is not applicable to verified identity-theft cases and directly violates federal law. 

The following fraudulent accounts still remain on my credit file, unblocked and unlawfully reported : XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX Account # XXXX I did not authorize these accounts or applications. Both are explicitly listed in my FTC identity-theft report, and the bureau has acknowledged receipt of all documentation, yet still refuses to execute the mandatory actions : Failure to block the fraudulent information within the statutory 4 business days ( 605B ( b ) ( 1 ) ).

Failure to delete derivative data, including associated inquiries ( 605B ( b ) ( 2 ) ).

Failure to prevent continued reporting and reinsertion ( 605B ( c ) ( 1 ) ).

Failure to notify furnishers as required ( 623 ( a ) ( 6 ) ( B ) ).

Misclassification of an identity-theft submission as a regular dispute, which is a known violation pattern.

At this stage the conduct is no longer administrative error it constitutes willful non-compliance, creating ongoing harm to my creditworthiness and exposing the bureau to full civil liability under 15 U.S.C. 1681n and 1681o. 

I request CFPB intervention to : Require the bureau to immediately apply 605B procedures and permanently block both XXXX XXXX accounts ; Ensure deletion of all related inquiries and internal sub-files ; Require written confirmation of the block and permanent suppression ; Review whether enforcement measures or regulatory action are warranted due to repeated statutory violations. 

The bureau has all required documentation and has exceeded every legal deadline. Their refusal to act is intentional and in direct violation of federal identity-theft protections.

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 — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Collection Management Holdings, LLC
State: IL

Complaint narrative:
Credit Management CO. XXXX XXXX XXXX XXXX XXXX XXXX, PA has fraudulently stolen, my impersonal sensitive information, with all nine # of my social security, address, and is Tring to extort me for a {$790.00} and is a illegal third-party collection agency that is using harassing, illegal, and is violating the FDCPA. The FDCPA prohibits third party - debt collectors from using threats, harassment deception, and coercion or any other illegal or abusive tactics. Credit Management CO, on XX/XX/XXXX used the credit reporting agencies to commit fraud and is CON-SPIRE 18 U, S, C ( a ) ( 1 ) ( 2 ) and has con-spire with XXXX XXXX XXXX XXXX XXXX  in fraud . Credit management co is claiming to be a fiduciary trustee and is in violation of 15 U.S.C s 6802, 15 U.S.C s 1681b - 18 USC s 1028A- AGGRAVATED IDENITITY THEFT ' this is being done under TDC- threat duress and coercion. and is in plain XXXX fraud under 18 U.S.C s 1028. This company is using unauthorize use of my credit under 15 U.S.C 1602. This medical bill at XXXX XXXX XXXX XXXX was paid in full and is all ready pre-paid. I am the original creditor, not XXXX XXXX XXXX XXXX XXXXXXXX nor credit management, Once a person SS # is used by a medical agency the bill are ALL READY PRE-PSAID as in the addicted letter that was sent to XXXX XXXX XXXX XXXX In my Affidavit that ALL ACCOUNTS ARE PRE-PAID in congressional record, XX/XX/XXXX on HR 1491. p83, under all accounts are pre-paid and under TITLE 31 section 3124 exemption from taxation. Today est XXXX XXXX  a XXXX XXXX employee # XXXX XXXX XXXX of Credit Management Co tried to extort me for a medical bill that is and was paid in full, this was done under threat duress and coercion trying to use extortion tactics. This is violation of UCC section 2-721 fraud. This companies are reporting false information and is XXXX profiling me because of my skin XXXX, this is being done UNDER XXXX OF LAW because ignorance of the law is no excuse. Credit Management CO LLC employees have no foreign registration act of XXXX on fil is violating the laws of the UNITED STATES OF AMERICA and is committing TAX fraud trying to collect a debt that is untaxable under TITLE 31 section 3124 especially employee XXXX XXXX XXXX # XXXX. The CFPB is undisclosed and undisclosed of case law, of illegal third-party collection agencies like this CREDIT MANAGEMENT CO LLC . who is using threating, illegal tactics and also could allegedly be Foreigners, illegal immigrants trying to rob we the people Mortmain trust fund account and there are committing fraud against the United States treasury department trying to collect payment

Company response to consumer: Closed with explanation