vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: M&T BANK CORPORATION
State: SC

Complaint narrative:
company gave conflicting information as to saying they are a debt collector or a bank however they are reporting a so called debt or information

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 2025-09-11 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: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: NJ

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: FL

Complaint narrative:
On XX/XX/year>, I received alerts that an XXXX XXXX XXXX issued by XXXX was fraudulently opened in my name, with a hard inquiry pulled on Equifax. I contacted the issuer, spoke with the fraud department and they are in the process of closing this fraudulent account. I also filed an Identity Theft report with the FTC. I then disputed the hard inquiry with Equifax and uploaded the report from the FTC as evidence. The system was automatically saying it came to a resolution, which was that the enquiry was factual ( ironic, since it was fraudulent ) and would remain on my account for 2 years. I called a live agent to explain the situation and they said when they looked at my dispute that the system is automatically rejecting my dispute despite uploading documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-11 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: NC

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section XXXX [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required XXXX business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section XXXX [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Affirm has had a fraudulent account in my name since XX/XX/XXXX, for a phone purchase in the amount of \ {$700.00}. I am a victim of identity theft, and this debt does not belong to me. 

Over the years, I have contacted Affirm multiple times to dispute this account. Each time they claim to be starting an investigation, but they never follow up or resolve the matter. The most recent occurrence was in XX/XX/XXXX, when they told me they would respond within XXXX  days. They failed to do so, despite my repeated outreach. 

Affirms actions violate several consumer protection laws, including : * * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 * * * 1681i : Failure to conduct a reasonable reinvestigation of disputed information within XXXX days. 
* XXXX ( a ) : Prohibits furnishing information that is inaccurate or that they know/should know is fraudulent. 
* XXXX ( b ) : Requires furnishers to investigate and correct or delete disputed information after receiving notice. 

* * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 * * ( if Affirm or their agents act as debt collectors ) * XXXX : Prohibits false or misleading representation of a debt. 
* XXXX : Prohibits unfair collection practices. 

Affirms ongoing failure to properly investigate, respond, or remove this fraudulent account has caused me harm and prevents me from clearing my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: LA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see 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 non-monetary relief
Consumer complaint received 2025-09-11 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: WI

Complaint narrative:
I am filing this complaint because Equifax is continuing to report multiple inaccurate and outdated accounts on my credit report. Despite previously submitting XXXX XXXX-based disputes, these accounts remain and are not being reported in compliance with FCRA regulations XXXX The XXXX XXXX format was designed to ensure uniform and accurate data reporting, and Equifax has failed to meet this standard. I have attached a detailed dispute letter outlining the errors and legal violations for each account in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
On XX/XX/year>, I filed a billing dispute with Current regarding a {$470.00} charge from XXXX Rental Car. 

When I rented the car, XXXX placed a {$470.00} pre-authorization hold on my credit card. Upon returning the vehicle, I paid cash for the rental directly at a XXXX Rental Car location. XXXX provided a reciept ( attached ) confirming that the rental balance was fully settled in cash. 

Despite this, XXXX allowed the pre-authorization hold to be converted into a permanent charge on my card. I immediately filed a dispute and provided my card issuer with the XXXX reciept as proof of alternative payment. 

It has been now been XXXX weeks since my dispute was filed, and the charge remains on my account. My issuer has not applied a provisional credit despite the requirements of the Fair Credit Billing Act ( FCBA, 15 U.S.C. 1666 ) that protects consumers from being held responsible for disputed charges during an investigation. 

I have sent XXXX email requests to my card issuer requesting compliance with the Fair Credit Billig Act and that a provisional credit be provided to my account for the remainder of the investigation. I sent over these email requests ( attached ) on XX/XX/year> and XX/XX/XXXX, of 2025 and both responses from my card issue rimmediately declined my requests and reminded me that the " investigation is still ongoing and please wait 90 days for completion '', which completely violates the Fair Credit Billig Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: FL

Complaint narrative:
Delete Hard Inquiries In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681b. 

The accounts below have violated my rights. 
15 U.S.C 1681 section XXXX. XXXX I have the right to privacy. 

15 U.S.C 1681 Section XXXX Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years 15 U.S.C 16816-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : XXXX XXXX XXXX XXXX # XXXX, XX/XX/year> XXXX  XXXX OF XXXX, XX/XX/year> XXXX XXXX XXXX, XX/XX/year> 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: KY

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Never got card even though I've made purchases with it and need the physical card to pay back sender

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 2025-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
I am writing to formally file a complaint against BMW Financial Services for inaccurately reporting late payments to my credit report for the months of XXXX, XXXX, and XX/XX/year>. 

My payment history has been consistent, and I have not had a late payment since XX/XX/year>. However, BMW has reported late payments for the above XXXX months despite the following circumstances : XX/XX/year> Payment : This payment was submitted and posted at XXXX XXXX XXXX. Due to a two-hour time zone difference, I was unaware this would impact the reporting date. Once I realized this could potentially result in a late mark, I proactively drafted and sent a letter to BMW Financial Services requesting a reconsideration of the late payment reporting for XXXX. 

XX/XX/year> XXXX : This payment was successfully drafted from my account on time, with no delays. 

XX/XX/year> XXXX : As of today, XX/XX/year>, the payment for this month has also been successfully drafted without any issues. 

I believe that the reported late payments are either inaccurately recorded or unjustly reported, especially considering the technicality regarding the XXXX payment and the confirmed on-time processing for XXXX and XXXX. 

Attached to this complaint are the following supporting documents for your review : A copy of the letter sent to BMW Financial Services requesting reconsideration of the XXXX late payment. 

Email confirmations and bank records showing timely payments for XXXX and XXXX. 

Screenshots from my credit report indicating the late payment marks for XXXX, XXXX, and XXXX. 

I am respectfully requesting the CFPBs assistance in investigating this matter and helping to ensure the inaccurate derogatory marks are removed from my credit report. These incorrect entries are negatively impacting my credit profile despite my efforts to remain in good standing. 

Thank you for your time and attention to this matter. Please do not hesitate to contact me if further documentation is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you -- credit reporting agency, 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. 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 XXXX XXXX credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX 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 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 2025-09-11 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:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-09-11 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: ResidentCollect, Inc.
State: PA

Complaint narrative:
I am disputing an {$11000.00} debt reported by my former landlord/collection agency related to an apartment I previously rented at [ apartment address ]. After I moved out, squatters entered the unit and allegedly caused damages. I was not responsible for these damages, nor was I in possession of the unit at the time. 

I never received any notice of charges, billing, or a court case regarding this debt. Despite this, the amount was reported to the credit bureaus and has severely harmed my credit. 

The landlord/collector has failed to provide validation of the debt and is attempting to hold me liable for costs I did not incur. This reporting is inaccurate, unfair, and violates the Fair Credit Reporting Act ( FCRA ) and, if a debt collector is involved, the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland is calling leaving voicemails and sending letters and I have never done business with them, claiming I owe them money. I want them to stop this happens Daily weekdays and I need it to stop the same with the voicemails and letters that are mailed to me.

Company response to consumer: Closed with non-monetary relief