vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: M&T BANK CORPORATION
State: MA

Complaint narrative:
b"On October 14, 2025; I submitted an application online for a credit limit increase. \n\nApplication Confirmation No.XXXX XXXX XXXX XXXXThe bank checked my XXXX  credit bureaux report with a hard inquiry dated October 14, 2025.\n\n\nOn October 15, 2025; and without my consent, the bank hit my XXXX  Credit Bureaux Report with another hard inquiry. \n\nI never submitted any application with the bank on October 15, 2025.\n\n\nI submitted a complaint with the bank that they didn't have my consent for the hard inquiry made on October 15th.\n\n\nThe bank failed to provide any explanation to the hard inquiry, however. \n\n\nThe bank also denied my application for the credit limit increase, despite the fact that my payment history with the bank and my credit score qualify me for the credit limit increase. \n\nI submitted a complaint with the bank, but my complaint remains unresolved.\n\n\nI believe that the bank is biased against me and discriminating against me on the basis of national origin, age, gender, perceived ethnicity,  perceived race, and perceived religion. \n\n\nI hope that this complaint would encourage the bank to provide equal opportunity and to enforce state and federal anti discrimination laws within their own organization."

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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
I am writing to file a formal complaint against M & T Bank. 

On XX/XX/year> : I submitted a credit card application online. 

application confirmation number : XXXX The bank denied my application NOT based on information obtained from the credit bureaux reports. 

The bank denied my application, however, because I already have an existing credit card with them. 

The bank falsely claims that consumers can only have one single credit card with them. 
I spoke to some bank managers, and they all confirmed to me that they have many customers with XXXX credit cards with M & T bank The bank failed to provide me with any of their own published policy that restrict consumers from having a second credit card with them. 


I submitted a complaint with the bank customer service, but my complaint remains unresolved. 

I believe that the bank is biased against me and discriminating against me on the basis of national origin, age, gender, perceived ethnicity, perceived race, and perceived religion. 


I hope that this complaint would encourage the bank to enforce state and federal anti discrimination laws.

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 2025-10-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: CO

Complaint narrative:
I have not received any paperwork from pro collect when I called XX/XX/XXXX XXXX they gave me some information but no proof of the so call Damages I called because it showed up on my credit I was told there was damage to microwave dishwasher washer carpet which was everything that I report that was wrong during my stay there for XXXX year they came and fixed the washer the dishwasher and the microwave was both brand new and the only carpet was on the steps and it was damaged when I moved in I kept asking them when they going to shampoo it they never did I shampooed it on my own as best as I could and they never replaced it the landlord at the time her name was XXXX she knows everything that was going on with the unit very sweet person they fired her because me and her both defended a tenant that was a veteran that they accused of doing something wrong and he never did anything and that's what caused all the problems with me so when I moved out nothing was wrong with the property except mildew that I told them about and they didn't do anything about when I gave them my move in paper I asked for a copy of it and they will never give me a copy I don't remember the exact dates it was around XXXX of XXXX I do have pictures proven that it was no damage to the property and I also cleaned the property before I left the landlord and I had issues and she took it out me by pen paper and lying everything that she reported is false and I am going fair housing and Hud to report her when I told the PRO COLLECT that they didn't want to hear anything they threatened me and told me if I don't pay it they going to keep it on my credit and go after me. They do not have any receipts or proof that I damaged those things. Also if I did what they said they would have reported it to Housing Authority of XXXX XXXX Texas and I will not be receiving my XXXX XXXX XXXX at this time by law if you damage the property I would not be able keep my voucher my voucher was transferred from XXXX XXXX Texas to XXXX Colorado. All WAS A COMPLETE LIE FALSE AND PRO COLLECT HAS NO PROOF AT ALL!!! Again I tried to explain that to PRO COLLECT XXXX XXXX which was a false name that I have pictures and proof took because I cleaned up the unit before I left nothing damaged. PR COLLECT WOULD NOT EXCEPT ANYTHING I HAD TO SAY VERY MEAN RUDE AND DIDN'T LET ME DISPUTE ANYTHING I ALSO HAVE NOT RECEIVED ANYTHING ABOUT THIS AND IT'S BEEN OVER A YEAR

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 2025-10-29 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: CA

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I received a credit card & Debit card today XX/XX/year> From Wells Fargo that I did not request. I attempted to contact them and close the account. This is fraud. I requested both the Debit card and credit card be closed immediately. they asked for personal information which I did not supply.

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 2025-10-29 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX  # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX  XXXX # XXXX -- Balance : {$3200.00} - Date Opened : XX/XX/XXXX XXXX  XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX  # XXXX - Date Opened : XX/XX/XXXX XXXX  XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- Balance : {$220.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX  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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXXXXXX -- Balance : {$380.00} - Date Opened : XX/XX/XXXX XXXX XXXXXXXX # XXXX - Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX -- Balance : {$13000.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX -- Balance : {$11000.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX 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 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 2025-10-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: MS

Complaint narrative:
I took out this loan and misread the interest. I paid two payment twice a month of {$350.00} and the another payment of {$350.00} before realizing the interest was 657.50 %! The loan was for {$1200.00} and in three payment I had paid it off but went to check the loan and it said I owed {$1400.00}! thats {$200.00} more than the original amount I took out plus the fact that I had paid it off. Theres no way to pay this off in payments with the interest being this high. Thats insane that a company can do that. When I contacted them, they said the only way to do it was to pay the full pay off today. I couldnt do that so basically interest is still accruing at 650 %!!!

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I am disputing the way FNB OMAHA is reporting a charge-off on my credit report because they failed to provide me with the legally required notices before furnishing derogatory information. Under the Fair Credit Reporting Act, they were required to send me both a Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ) and an Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ), yet I never received either one. The account, FNB OMAHA, with account # XXXXXXXX XXXX XXXX XXXX XXXX reported positively for a period of time, but after delinquency it was charged off and derogatory data began appearing on my consumer report without the legally mandated warnings. The absence of a Negative Information Notice denied me the chance to address the debt before damage occurred, and the absence of an Adverse Action Notice denied me my right to review, obtain, and dispute my credit report. These failures violate the FCRA and render the charge-off reporting unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: Western-Shamrock Corporation
State: TX

Complaint narrative:
Western Shamrock corporation [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX XXXX, XXXX  XXXX ] Subject : Request for Debt Validation and Credit Report Correction Amount {$260.00} Dear Western Shamrock Corporation, I am writing in regard to an alleged debt in the amount of {$260.00} that appears on my credit report under your companys name. I have noticed that this account has been reported twice, which is inaccurate and may constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Under my rights provided by the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting : 1. Validation of the debt, including a detailed accounting of the amount claimed, the original creditor, and any documentation bearing my signature that shows I am legally obligated to pay this amount.

2. Immediate correction and removal of any duplicate or inaccurate reporting from all credit reporting agencies ( XXXXXXXX XXXX XXXX XXXX  ). 

Please note that until this debt is properly validated, and the duplicate reporting is corrected, you are required to cease all collection and reporting activities related to this account. 

If this account is found to be reported in error or can not be validated, I request that it be deleted from my credit file immediately in compliance with 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ). 

Please provide your written response and documentation within 30 days of receipt of this letter. 

Thank you for your prompt attention to this matter. 
Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: GA

Complaint narrative:
CFPB Complaint XXXX XXXX XXXX XXXX ( Acct XXXX XXXX XXXX XXXX XXXXXXXX ) Complainant : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Email : XXXX Phone : XXXX Filed Against : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Data Furnisher : XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX ( XXXX ) XXXX Subject : Continued Inaccurate Reporting and Improper ReAging of Closed Account Fifth Attempt for Human Verification Summary of Complaint This complaint concerns the inaccurate and deceptive reporting of my closed XXXX / XXXX XXXX account ( Acct XXXX XXXX XXXX XXXX XXXXXXXX ) by Equifax. Despite the account being closed and paid in full since XX/XX/XXXX, Equifax continues to rereport this tradeline with a Date Reported of XX/XX/XXXX a full XXXX years after closure with no consumer activity or validation documentation. I have repeatedly requested humanverified documentation from both the furnisher and Equifax, yet all disputes have been resolved via automated eOSCAR methods, violating my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXX False Date Reported. Account shows Date Reported XX/XX/XXXX though closed XX/XX/XXXX, violating 607 ( b ) ( accuracy ) and 623 ( a ) ( 2 ) ( duty to update correctly ). 
2 Improper ReAging. Updating a XXXX account with a XXXX date misrepresents its age and illegally extends reporting under 605 ( c ). 
3 Status Conflict. Listed as Pays as Agreed and Closed or Paid Account / XXXX Balance simultaneously factually impossible and misleading to potential lenders ( 607 ( b ) ). 
XXXX Missing Date of First Delinquency. Absence of XXXX prevents calculation of the XXXX limit required under 623 ( a ) ( 5 ). 
XXXX ReInsertion After Closure. Rereporting a paid account in XXXX without new activity or notice violates 611 ( a ) ( 5 ) ( B ). 
XXXX Failure to Provide Human Verification. Equifax has not furnished any documentary proof from the furnisher after multiple disputes, violating 611 ( a ) ( 1 ) and 611 ( a ) ( 5 ). 
Requested Resolution I respectfully request that the Consumer Financial Protection Bureau compel Equifax and XXXX/ XXXX XXXX to : XXXX. Provide full, humanverified documentation confirming account ownership, closure details, and accurate reporting. 
XXXX. If verification can not be produced within 30 days, permanently delete this tradeline from all credit files. 
XXXX. Ensure no reinsertion occurs without prior written notice and supporting proof as required under 611 ( a ) ( 5 ) ( B ). 
XXXX. Acknowledge statutory damages of {$1000.00} per violation under XXXX for continued noncompliance. 
Sincerely, XXXX XXXX XXXX XXXX  XXXX XXXX | XXXX XXXX GA XXXX Email : XXXX | Phone : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
I noticed a charge for {$250.00} on my Capital One credit card account posted on XX/XX/year>. Since I have not been to the listed Merchant " XXXX XXXX XXXXXXXX '' in the city of XXXX XXXX, I tried to open a dispute on the Capital One website. I was directed to call to make such a dispute on XX/XX/year>, and was questioned about the charge. I insisted that the charge was fraudulent. The case Reference number information was not emailed to me as promised. 
I checked the Capital One website again on XX/XX/year>, and noticed the same charge was placed on my account again, with no explanation. 
I called and had to hold for over three ( 3 ) hours with no help at the end as to the status of their findings. Instead of supporting me for this scam, they pretended they had no information they could provide. 
I was informed that the information was mailed to my home address. Unfortunately, the Unit number on my address was missing on my Profile. When I questioned the inaccuracy and asked if they would send another letter, they refused to acknowledge their mistake, and no further help was given. 
I am angry that Capital One is not protecting me as a customer against scams and fraudulent charges and is indifferent to helping resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report contains late payment entries that I believe are inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my report must include only information that is accurate, complete, and verifiable. I request that these entries be verified, and if they can not be confirmed, corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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 am filing this complaint against XXXX XXXX XXXX XXXX XXXX for falsely reporting inaccurate information on my credit report. This collection agency is claiming that they purchased a debt from XXXX  XXXX XXXX XXXX ( XXXX ) and that I owe them, which is not true. 

The original creditor ( XXXX ) confirmed that this account was sold to XXXX. XXXX, XXXX on XX/XX/year>, and I have documentation proving this including written confirmation from XXXX and my active payment plan with XXXX. XXXXXXXX XXXX XXXXXXXX  is already reporting the same account on my credit report, which means XXXX XXXX XXXX is fraudulently taking ownership of an account that I am currently paying through another collection agency. 

In addition to the false reporting, XXXX XXXX XXXX has been harassing me in violation of federal consumer protection laws. Their actions have caused unnecessary stress and harm to my credit profile. 

The credit reporting agencies are also in violation for allowing this form of double jeopardy and failing to properly investigate the matter despite the clear evidence that this account is already assigned and being paid through XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I made a {$19000.00} payment to MOHELA on XX/XX/year>. {$9700.00} from that payment is missing, and XXXX XXXX ( XXXX of the loans I was paying off in full ) still shows a balance. Ive contacted MOHELA multiple times via phone or email, with no written resolution. They have stated over the phone that the issue would be resolved by XXXX, and it has still not been resolved in XXXX.

Company response to consumer: Untimely response