vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
I am resubmitting this complaint in reference to the letter I previously sent, wherein I requested the removal of fraudulent items from my credit file. Once again, I am urging Experian, Equifax, and TransUnion Credit Bureaus to remove the fraudulent items listed in the Identity Theft Report. According to the law, you are obligated to remove these listed fraudulent items. Please review the fraudulent items below, which have been exposed in all three Credit Bureaus without my permission, and I request their prompt removal. 
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 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 2025-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: IN

Complaint narrative:
Escrow Account Overcharge Excessive Cushion Beyond Federal Limit Complaint Details : I am submitting this complaint regarding my mortgage escrow account with M & T Bank. According to federal law under the Real Estate Settlement Procedures Act ( RESPA ), specifically 12 CFR 1024.17 ( c ), a mortgage servicer may not hold more than two months ( 1/6 of the annual disbursements ) as a cushion in my escrow account.

However, M & T Bank appears to be holding the equivalent of three months of escrow payments, which exceeds the federal limit. The justification provided by the servicer is that I do not make an escrow payment during the month the escrow analysis is conducted, which is false. My payments are automated and made monthly without interruption. M & T has systematically made this false assumption for several years in a row.

This projection artificially creates a shortfall and justifies a larger escrow requirement than what is permitted under federal regulations. I believe this practice violates RESPA 's escrow limitations and may constitute deceptive or unfair servicing behavior.

After contacting the bank and spending hours on the phone trying to get in contact with a human, I reached one, relayed my concern and was immediatly hung up on. I eventually got back in touch with customer service and filed an official complaint. The written response to my complaint doubled down on the deceptive practice and was unsatisfactory.

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 2025-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I discovered a {$720.00} collection from I.C. System on my XXXX  credit report for a XXXX XXXX XXXX XXXX plan. I was never notified of this debt by mail, email, or phone, and I did not receive a notice of my right to dispute. I only became aware of it when checking my credit report in XX/XX/XXXX. 

The debt is based on an auto-renewal of a pet plan on XX/XX/XXXX. However, my linked payment card had been closed and I never updated my billing information. I did not make any payments toward the XXXX plan and did not use any services that year. The plan was canceled on XX/XX/XXXX just 16 days after renewal. 

I contacted XXXX and requested documentation regarding this balance. I was told they do not retain or provide debt documentation and that I needed to contact the collection agency directly for verification. 

I called I.C. System and requested full debt validation, including an itemized breakdown and copy of any contract I signed agreeing to a XXXX charge. They confirmed my contact info was outdated and said documents would be sent, but I have not received anything as of today. 

I am requesting that this inaccurate and unverifiable collection be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I paid this account in full through XXXX XXXX XXXX ( a debt buyer for XXXX ). The agreement was for full resolution and I provided proof of payment to TransUnion. Despite this, the XXXX account is still showing as charged-off and past due. 

I am under contract for a mortgage with closing scheduled on XX/XX/scrub> XXXX XXXX and this inaccurate reporting is harming my ability to close. 

Under the FCRA, information must be accurate, complete, and verifiable. I request immediate deletion or update to Paid as Agreed.

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 2025-06-03 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: IL

Complaint narrative:
In accordance with the fair credit report act XXXX XXXX XXXX XXXX # XXXX Has violated my rights 15 U.S.C 1681b, I have the right to dispute inaccurate and unverifiable information thats on my credit bureaus and its coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated. 
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

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 2025-06-03 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: FL

Complaint narrative:
I want to emphasize that this complaint is not made in error. My credit report contains inaccuracies that do not reflect the highest standard of accuracy. These discrepancies have been significantly affecting my well-being, both emotionally and financially. I kindly urge you to take the necessary steps to investigate and correct and/or remove these errors. Resolving this matter would provide meaningful relief during an already difficult time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: IL

Complaint narrative:
The amount is incorrect double the amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
Consumer Name : XXXX XXXX Date of Birth : XX/XX/scrub>XXXX  Social Security Number : XXXX Subject : Urgent Request for Identity Theft Block Under FCRA Section 605B Non-Compliance Notice Dear Equifax , I am writing to formally request, under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C . 1681c-2 ), that you immediately block and remove from my consumer credit report all information that is the result of identity theft. As required by law, these items must be blocked within four ( 4 ) business days of receiving proper notice and documentation. 

, I submitted a dispute to Equifax identifying several fraudulent accounts on my credit file. Despite the statutory deadline of four business days, these accounts remain on my report as of today well beyond the allowed time. This lack of timely action is in direct violation of your obligations under the FCRA. 

The following accounts are false, unauthorized, and the result of identity theft : XXXX, XXXX Account Number : XXXX Status : Charge-Off XXXX Account Number : XXXX Status : Charge-Off XXXX XXXX XXXX Account Number : XXXX Status : Collection/Charge-Off XXXX XXXX XXXX Account Number : XXXX Status : Collection/Charge-Off XXXX XXXX  Account Number : XXXX Status : Closed XXXX XXXX XXXX Account Number : XXXX Status : Closed These accounts have also resulted in unauthorized hard inquiries and negative entries that continue to damage my credit profile. 

I did not apply for, open, or authorize any of these accounts or inquiries. They are entirely the result of identity theft and fraud. I have previously submitted documentation to support my claim, including the Federal Trade Commission Identity Theft Report ( # XXXX ), which is attached again with this correspondence. 

Equifax has a legal obligation to act within the timeline established by the FCRA, and the continued presence of these fraudulent accounts on my report is unacceptable. I respectfully demand immediate compliance with Section 605B and request written confirmation once the disputed items have been fully removed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TN

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number XXXX XXXX XXXX XXXX I have already filed disputes and submitted detailed CFPB complaints regarding XXXX XXXX  collection accounts from XXXXXXXX XXXX XXXX These debts are not legally collectible. TransUnion is now reporting all XXXX accounts as closed. However, Experian is still reporting them as open, and all three credit bureausTransUnion, Experian, and Equifaxare still showing these accounts on my reports, even though they were never properly validated. The following accounts must be deleted : Account XXXX XXXXXXXX ( {$2000.00} ), Account XXXX XXXXXXXX ( {$950.00} ), Account XXXX XXXXXXXX ( {$940.00} ), and Account XXXX XXXXXXXX ( {$660.00} ). These accounts must be fully deleted and closed. No corrections. No further communication. Anything less is a violation of my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ( b ) ). I am requesting the immediate and permanent deletion of all XXXXXXXX XXXX XXXXXXXX accounts from TransUnion, Experian, and Equifax. These debts are not legally collectible and have no legal basis to remain on my reports. These accounts are not being reported accurately across all credit bureaus, which is causing me financial harm and is a direct violation of my rights under the Fair Credit Reporting Act. 

Please see attached supporting documents and identity documents

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TN

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number XXXX XXXX XXXX XXXX I have already filed disputes and submitted detailed CFPB complaints regarding XXXX XXXX  collection accounts from XXXXXXXX XXXX XXXX These debts are not legally collectible. TransUnion is now reporting all XXXX accounts as closed. However, Experian is still reporting them as open, and all three credit bureausTransUnion, Experian, and Equifaxare still showing these accounts on my reports, even though they were never properly validated. The following accounts must be deleted : Account XXXX XXXXXXXX ( {$2000.00} ), Account XXXX XXXXXXXX ( {$950.00} ), Account XXXX XXXXXXXX ( {$940.00} ), and Account XXXX XXXXXXXX ( {$660.00} ). These accounts must be fully deleted and closed. No corrections. No further communication. Anything less is a violation of my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ( b ) ). I am requesting the immediate and permanent deletion of all XXXXXXXX XXXX XXXXXXXX accounts from TransUnion, Experian, and Equifax. These debts are not legally collectible and have no legal basis to remain on my reports. These accounts are not being reported accurately across all credit bureaus, which is causing me financial harm and is a direct violation of my rights under the Fair Credit Reporting Act. 

Please see attached supporting documents and identity documents

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 2025-06-03 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: NE

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

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 2025-06-03 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: NE

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

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 2025-06-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: OK

Complaint narrative:
I checked my credit report and found it had a collection on my credit score. Harris & Harris LTD had filed on behalf of XXXX cable. I contacted XXXXXXXX XXXX XXXX  ) and they could not find an account with my name, my address, or my phone number. Of course not, I never had an account with them. They could not help me without the account number, that I never had. I have not received any mail, text, or email concerning this fraudulent account. Either XXXX is running a scam or Harris & Harris is running one. Both can file against me, but neither one knows who I am, my phone number, or my address. That would be pretty poor accounting, if you had no information on your customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: IL

Complaint narrative:
In accordance with the fair credit report act XXXX XXXX XXXX XXXX # XXXX Has violated my rights 15 U.S.C 1681b, I have the right to dispute inaccurate and unverifiable information thats on my credit bureaus and its coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated. 
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

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 2025-06-03 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: IL

Complaint narrative:
In accordance with the fair credit report act XXXX XXXX XXXX XXXX # XXXX Has violated my rights 15 U.S.C 1681b, I have the right to dispute inaccurate and unverifiable information thats on my credit bureaus and its coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: CA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$3000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$3000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5400.00}

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 2025-06-03 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: HI

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and XXXX  credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00}

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