vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: AR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate 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
Consumer complaint received 2025-10-15 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: IN

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Starmark Financial LLC
State: TN

Complaint narrative:
I previously mailed a written dispute and validation request to Starmark Financial regarding an alleged account that they are reporting on my credit file. Despite my written request for validation by mail, a Starmark Financial representative called me by phone and used threatening language, stating that I was refusing to pay. 

I made it clear that I only wanted written communication by U.S. mail, not email or phone. The company has refused to provide any written validation documents and continues collection efforts, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) and 805 ( c ).

I am requesting that the CFPB investigate Starmark Financials ' conduct, require them to provide proper written validation, and direct them to cease all collection and reporting activity until they comply.

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 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: OK

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: OFG BANCORP
State: PR

Complaint narrative:
Summary of the Issue On XX/XX/year>, a direct deposit was sent from a commercial bank ( not related to Oriental Bank ) to my personal checking account with Oriental Bank. This payment is a recurring weekly transfer of the same amount from my own business. 

Despite the funds being properly transmitted and traceable, the deposit has not appeared in my Oriental Bank account. 

Steps Taken to Resolve the Issue XX/XX/year> I filed a formal claim with Oriental Bank, providing the trace number and proof of payment. 

As the payer, my business verified that all deposit information was correct and successfully transmitted. 

According to federal regulations ( Regulation E, 12 CFR Part 1005 ), a financial institution must investigate and resolve an electronic fund transfer ( EFT ) error within 10 business days or provisionally credit the consumers account.

More than 10 business days have passed, and no provisional credit has been issued. 

Repeated Attempts to Follow Up I made multiple follow-up calls to Oriental Bank XXXX XXXX XX/XX/year> XX/XX/year> ( XXXX calls ) XX/XX/year> ( XXXX calls ) XX/XX/year> Each time, I was either left on hold for extended periods or told that someone would call me back with a solution. No representative has ever contacted me with a resolution, update, or credit. 

Consequences of the Delay Due to the missing deposit and Oriental Banks inaction : My account has incurred overdrafts, I am likely to be charged overdraft and late fees, and Automatic payments to credit cards and other vendors have failed or will soon fail. 

This situation has caused financial and reputational harm, which Oriental Bank has not addressed or mitigated. 

Requested Action I respectfully request that the CFPB : Investigate Oriental Banks failure to comply with Regulation E and its error resolution timeframes.

Require Oriental Bank to issue a provisional credit immediately and reimburse any overdraft or related fees resulting from their delay. 

Ensure that Oriental Bank improves its consumer response and complaint handling process to prevent similar issues in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute XXXX Account Number : XXXX Account Name : XXXX  XXXX Type of disputed information : Credit Card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : XXXX the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : XXXX Account Name : XXXX  XXXX Type of disputed information : Credit Card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : XXXX the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : XXXX Account Name : XXXX Type of disputed information : unsecured loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : XXXX the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 






Thank you for your assistance Sincerely, 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 2025-10-15 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: CA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-15 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: NC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-15 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I had a deposit of my XXXX on Wednesday XXXXXXXX XXXX XXXX. I went into the bank, and was denied my money. I got some of my money. I left a balance of {$240.00} dollars to cover an outstanding check and 2 cash advances. M & T frozen my account. Some incompetent female on a power trip named XXXX is dragging her feet because she didn't like my tone of voice. My tone of voice is the least of those woman 's worries of she doesnt quit faking an investigation. There is nothing to investigate. I dont owe this bank any money but the check wasn't paid so that company is trying to charge me a bad check fee which I am not paying, because this is no fault of mine. My cash advance companies are asking where thier money is. Im on a fixed income and this bank is being rediculous. My accounts have been frozen since the other incident on XX/XX/year>XXXX Hold XXXXXXXX XXXX paycheck for a couple weeks and see if her tone of voice changes. Do your jobs and do something about this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
All XXXX having issue with account not receiving proper funds, funds disappears, account frozen, credit being compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint regarding unauthorized hard inquiries that were made on my credit report without my knowledge, consent, or any permissible purpose. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( a ) ( 2 ), a credit reporting agency may only furnish a credit report when there is written authorization from the consumer or a legitimate purpose clearly permitted by law. These inquiries were made without my explicit written consent, in direct violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX ; XXXX XX/XX/XXXX. Additionally, the credit reporting agencies involved have failed to follow reasonable procedures to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). This continued reporting of unauthorized inquiries represents willful and negligent noncompliance, as outlined in 15 U.S.C. 1681n and 15 U.S.C. 1681o. I am demanding the immediate removal of all unauthorized hard inquiries from my credit report. If the entities that made these inquiries can not provide proof of my consent, they must be deleted in accordance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: CA

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: NY

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate 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 explanation
Consumer complaint received 2025-10-15 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: GA

Complaint narrative:
I am reporting inaccurate and inconsistent information being furnished by XXXX XXXX XXXX XXXX and verified by Equifax. This complaint concerns a different XXXX XXXX account than the one mentioned in my prior submission. I disputed this account because the reporting does not accurately reflect the accounts history or balance, but Equifax verified it as accurate without correction. 

The account shows a balance of {$6600.00}, while the original balance is {$6500.00}, which misrepresents the actual amount owed. The payment history grid displays charge-off ( CO ) notations each month from XX/XX/XXXX through XX/XX/XXXX, even though a charge-off can only occur once. This repeated reporting creates the false impression of ongoing delinquency. 

Additionally, the Date of First Delinquency ( DOFD ) is reported as XX/XX/XXXX, but the payment grid for that same month shows the account 60 days past due instead of XXXX, which is inaccurate and distorts the timeline of delinquency. 

Equifax verified this information as accurate despite these inconsistencies. The reinvestigation appears incomplete and did not address the contradictions involving the balance, XXXX, or charge-off pattern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
According to 15 USC 1681 c-2 and 1681 s-2 you have broken the law by reporting this information on my report knowing its inaccurate. Remove this fraudulent information from my credit report immediately..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ProCollect , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Cease and Desist / Debt Validation Request Account Reference : XXXX To Whom It May Concern : I am formally requesting that you cease all communication with me regarding the above-referenced alleged debt, as allowed under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

Additionally, I am disputing the validity of this debt under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). I request that you provide the following : 1. Verification of the alleged debt, including a copy of the original signed lease or contract bearing my signature.

2. An itemized statement showing how the amount of {$330.00} was calculated.

3. Proof that your company is legally authorized to collect this debt in my state.

Until this information is provided, you must cease all collection activity and stop reporting this account to any credit reporting agency. If this account can not be fully validated, I demand that it be deleted from all credit bureaus ( XXXX XXXX XXXX XXXX XXXX XXXXmmediately.

Any further contact from your office other than providing proper validation will be considered a violation of the FDCPA and will be reported to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Sincerely, 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 2025-10-15 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: GA

Complaint narrative:
My credit reports from Equifax, XXXX and TransUnion all contain inaccurate and inconsistent information that has not been corrected despite prior disputes. 

The main issue involves my XXXX XXXX XXXX auto loan ( account ending in * XXXX ), which is showing several late payments and is listed as 6089 days past due. This is not accurate my payments have been made on time, and I can provide proof. 

My reports also include incorrect or inconsistent information for XXXX XXXX and multiple Department of Education student loan accounts. Several loans that are in deferment or closed status are being reported incorrectly, and some balances or dates do not match across bureaus. 

I have contacted all three credit bureaus and the furnishers directly, but they have not provided verification or corrected the information. This inaccurate reporting is negatively affecting my credit and violates the Fair Credit Reporting Act ( FCRA ), which requires accurate and verifiable reporting. 

I am requesting that the CFPB require Equifax, XXXX and TransUnion to conduct a full reinvestigation of my accounts, verify the accuracy of each reported item with proper documentation, and delete or correct any unverifiable or inaccurate information immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: GA

Complaint narrative:
My credit reports from Equifax, XXXX and TransUnion all contain inaccurate and inconsistent information that has not been corrected despite prior disputes. 

The main issue involves my XXXX XXXX XXXX auto loan ( account ending in * XXXX ), which is showing several late payments and is listed as 6089 days past due. This is not accurate my payments have been made on time, and I can provide proof. 

My reports also include incorrect or inconsistent information for XXXX XXXX and multiple Department of Education student loan accounts. Several loans that are in deferment or closed status are being reported incorrectly, and some balances or dates do not match across bureaus. 

I have contacted all three credit bureaus and the furnishers directly, but they have not provided verification or corrected the information. This inaccurate reporting is negatively affecting my credit and violates the Fair Credit Reporting Act ( FCRA ), which requires accurate and verifiable reporting. 

I am requesting that the CFPB require Equifax, XXXX and TransUnion to conduct a full reinvestigation of my accounts, verify the accuracy of each reported item with proper documentation, and delete or correct any unverifiable or inaccurate information 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 2025-10-15 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: TX

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with explanation