vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company 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 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: IL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX And M & T Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : XXXX Email : XXXX Subject : Formal Complaint Regarding Unjust Account Freeze and Withheld Funds Date : XX/XX/year> To Whom It May Concern, I am writing to formally express my deep frustration and disappointment regarding the sudden and unjustified freezing of my account by M & T Bank an action that occurred on XXXX of the most important days of my life : my sons birthday. 

I have done nothing wrong. The only transaction that took place was the deposit of a legitimate refund check for a return made to a pet store for services related to my dog. This was a routine refund, and yet M & T Bank chose to block my account entirely, without any reasonable explanation or opportunity for immediate resolution. 

What makes this situation even more upsetting is the fact that I was unable to use my own funds to pay for my sons birthday cake or a golf outing that was planned to celebrate his special day. This unnecessary disruption was not only embarrassing but incredibly hurtful. My son doesnt understand why his celebration was interrupted, and I have no way to explain it to him beyond the fact that my bank a bank my family has trusted since I was a child failed me. 

My parents have banked with M & T since I was XXXX XXXX XXXX. I myself had an account as a young boy. This institution once stood for community and loyalty, but today it feels like your policies are driven by suspicion and disregard for your customers. The treatment I received shows a complete lack of empathy and respect. 

I am demanding the immediate release of my funds. The way this situation was handled is absolutely unacceptable, and I will not allow it to be swept under the rug. I also request a written explanation of why my account was frozen and what M & T Bank intends to do to prevent these unjustified disruptions from happening again. 

This matter has caused emotional distress, public embarrassment, and hardship to me and my family all of which could have been avoided with proper communication and a shred of human understanding. 

Please consider this letter an official complaint and take immediate steps to resolve this issue. 

Sincerely, 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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint against Equifax and TransUnion for their continued reporting of an inaccurate and unauthorized debt associated with a XXXX timeshare loan under the account listed as XXXX on my credit reports. This debt is being reported as open and owing in the amount of {$48000.00}, despite the fact that XXXX has officially closed this account and retained the membership in satisfaction of the balance. This information should have been updated months ago, yet both bureaus continue to report the account as active and delinquent. 

Additionally, this account should not appear on my wife XXXX credit report at all. She did not sign any loan documents related to this purchase. We explicitly stated during the XXXX  upgrade that any financing should be solely under my name, and the XXXX sales agent agreed. XXXX was only to be listed as a co-owner for membership accessnot financially liable. 

XXXX misrepresented the structure of this ownership, and now this loan is being reported against XXXX without her consent or legal obligation. This misreporting has caused serious damage to her credit score and created financial stress for our household. 

I have contacted XXXX about this issue and was told the account was closed, and the inventory was retained in satisfaction of the balance. Yet Equifax and TransUnion continue to report the balance as open and unpaid, and refuse to remove XXXX as a responsible party despite her lack of legal liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
I was notified on XX/XX/XXXX that my student loans were forgiven under PSLF effective XX/XX/XXXX. I was also notified that I had overpaid by {$5600.00}. On XX/XX/XXXX I was notified that I would receive my refund within XXXX business days. XXXX business days from XX/XX/XXXX is XX/XX/XXXX. I have not received my refund and I sent XXXX complaints to Mohela requesting an update on my refund without any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Please accept this complaint as the dispute on the accounts that appeared due to fraudulent actions. I hope for your immediate action, as these items affect my life. I have been disputing these accounts with you for a decent amount of time and so far you are still reporting them which are violations of my rights as a consumer, so I had to submit this complaint on your company. Under the FCRA 605b, each fraudulent item should be deleted/ blocked immediately. The following items opened/used by a different person or group of the people, I never used and authorized them : Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
Affirm charged off my account to XXXX XXXX. I have settled this debt back in XXXX. It reappeared on my credit XX/XX/XXXX which I didnt settled again. Now XX/XX/XXXX it is still reporting with XXXX different descriptions of XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I purchased a used car from XXXX XXXX XXXX XXXX in XX/XX/year>, based on a recommendation from a family member. I needed the car urgently for work and to get my daughter to school. Unfortunately, this dealership sold me a lemon, and Credit Acceptance financed the loan. 

The salesman ( XXXX ) came off as trustworthy, but issues began XXXX days after purchase. The inspection light came on, and he attempted to fix it by XXXX a solution. Over time, I experienced multiple problems including a faulty gas fuel sensor, loose brakes, and a torn emergency brake handle. Every time I returned the car for repairs, another issue popped up and the repairs never resolved the real problems. 

Despite complaining and bringing the car back more than XXXX times in XXXX month, the issues persisted. The salesman also behaved inappropriately by flirting with me, which made the situation even more uncomfortable. 

The final straw came in XX/XX/year>, when the car broke down on a busy street while I was taking my daughter to school. I waited hours for the dealerships tow service, which never came. When I returned to the dealership, I was told conflicting stories about what was wrong from no gas in the car ( which I had just filled ) to a mechanic installing the fuel sensor incorrectly. 

I was offered a loaner but told Id have to pay for a rental upfront and they would reimburse me later, which I could not afford. In the end, they took the car, made poor repairs again, and returned it with brakes still making noise. 

Eventually, the car was repossessed. Now there is a {$28000.00} balance on my credit. I was never given a breakdown of the amount owed or the option to resolve this fairly. This was not just a repossession this was a predatory sale and finance agreement. I am requesting a full investigation and that this repossession and deficiency balance 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 2025-07-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-22 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: KY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company 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 2025-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
I requested copies of the original signed Master Promissory Note for each loan. 

Complete payment History for each loan. 

Clain of Assignment Proof of Authorization ( You have the right to collect.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-22 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX XXXX  XXXX Re : Formal Complaint Against Credence Resource Management Illegal Credit Reporting To Whom It May Concern, I am submitting this formal complaint regarding Credence Resource Management and its unlawful reporting of a collection account to the credit bureaus without providing proper notice or debt validation. I only became aware of this account after discovering it on my credit report. 



According to the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must provide a written notice of the debt within XXXX days of the initial communication. I never received any such notice, communication, or validation from Credence Resource Management before this account appeared on my credit file. This omission is a clear violation of Section 809 ( a ) of the FDCPA. 



Furthermore, the Fair Credit Reporting Act ( FCRA ) requires data furnishers to ensure the accuracy and integrity of any information reported to consumer reporting agencies. In this case, the lack of prior verification and communication suggests a willful disregard for consumer protection laws. 



I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action. I am requesting that the agency ensure Credence Resource Management either validate the alleged debt in accordance with federal law or remove the collection from all credit bureaus. 



Thank you for your attention to this matter. 

XXXX XXXX XXXX Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 2025-07-22 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: CA

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!

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