vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
Subject : Request for Security Freeze and Blocking of Fraudulent Information Under FCRA Dear to whom it may concern I am writing to request both a security freeze on my credit file and the blocking of inaccurate information that has resulted from fraud.

I recently detected fraudulent activity on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B, I am exercising my rights to have all information resulting from identity theft or fraud blocked from my credit file.

Specific Requests : 1.

Security Freeze : Please place a freeze on my credit file immediately to prevent further unauthorized access or fraudulent activity. A Security Freeze be placed on my consumer file, pursuant to FCRA 609.

2.

Blocking of Inaccurate Information : Reason : A Block of any information that is inaccurate, unverifiable, or due to identity theft, as required under FCRA 605B. Fraud/Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: LJ Ross Associates
State: MI

Complaint narrative:
From XXXX to XXXX, someone was using my name for a XXXX account at a rental property in XXXX, Michigan. When I initially disputed the account and filed a fraud charge, it was initially removed from my credit report and was supposed to remain off my report permanently. However, instead, XXXX simply sold the account to a different creditor company, and now it is back reporting to my credit report, albeit under a different creditor company. That company is LJ Ross and Associates. When I contacted them to inquire about my account, they were unable to provide any information and informed me that I would need to reach out to XXXX. They were very rude about the situation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
Issue Type : Mortgage Servicing Fees and Escrow Company : M & T Bank Complaint : My mortgage was transferred from XXXX XXXX  to M & T Bank. At the time of transfer, late fees were carried over. Since my loan was moved to M & T, I have made all payments on time. 
I dispute these inherited late fees. I requested in writing ( over 30 days ago ) that the fees be reviewed and removed, as I am not confident they are accurate. I later received notice that one late fee was waived, but no full resolution has been provided. 
On XX/XX/XXXX, at about XXXX XXXX I spoke with a representative named XXXX, who placed me on long holds before the call dropped. His supervisor then joined the line and was rude and dismissive. I was told that inherited late fees will not be waived, but I was not provided with any policy language to support this. 
I never chose to move my loan to M & T. I am simply asking for a fair review and removal of these fees, which I believe are unjustified. My mortgage is scheduled to be fully paid in XX/XX/XXXX, and I want this resolved before that date. 
Relief Requested : Removal of all inherited/unverified late fees.

Written explanation or policy reference that supports M & Ts refusal to waive these fees.

Professional handling of my account and inquiries going forward.

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 2025-09-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My rights were violated as a consumer under 15USC1681B and I need them blocked and deleted from my report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XXXX  XXXX, I mistakenly did {$50.00} payment but BoFA never reached out to me regarding missed payment. There was no notification given. I got to know that i missed the payment when i saw my credit score. {$50.00} is a very small amount and I got penalized this much. my score reached XXXX because of this. and till date it has reached XXXX because of their fault.

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am filing a formal complaint against Midland Credit Management regarding the inaccurate and unlawful reporting of a XXXX-derived collection account. 

The documentary evidence ( attached as Exhibits ) demonstrates that Midland and the credit reporting agencies ( XXXX and XXXX  ) are publishing contradictory and misleading data. Midlands own tradeline history reflects a charge-off in XXXX. Despite this, the bureaus are reporting the account as Collection as of XX/XX/XXXX with a projected removal date of XX/XX/XXXX. This representation is materially false because I have not made any payment, promise, or acknowledgment of this debt since before the XXXX charge-off. 

The effect of this discrepancy is to artificially extend the credit reporting period and to make the debt appear more recent than it truly is. This constitutes prohibited re-aging in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681c ( 605 ( c ) ) and 1681s-2 ( a ) ( 5 ). These sections require furnishers to report the accurate Date of First Delinquency ( DOFD ) as provided by the original creditor, and prohibit altering or manipulating the DOFD in order to extend the 7-year reporting period. Midlands actions also undermine the duty to provide accurate information under 623 ( a ) ( 1 ) of the FCRA.

The re-aging has caused measurable harm, including lowering my credit score, misrepresenting my creditworthiness to potential lenders, and obstructing my ability to obtain credit on fair terms. It is deceptive, misleading, and prejudicial to my financial standing.

Accordingly, I request that the Consumer Financial Protection Bureau investigate this matter and compel Midland and the relevant credit bureaus to either ( 1 ) delete the Midland tradeline entirely from all consumer reporting agencies, or ( 2 ) correct it to accurately reflect the true DOFD and a fall-off date that is no later than seven years from the original delinquency with XXXX. 

If Midland can not document the original DOFD with authentic, verifiable records from XXXX, then the only permissible resolution under the FCRA is deletion of the tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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:
Dear Experian Team, 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 Date XX/XX/XXXX Account Number XXXX Balance {$8100.00} XXXX XXXX XXXX Date XX/XX/XXXX Account Number XXXX Balance {$1500.00} XXXX XXXX Date XX/XX/XXXX Account Number XXXX Balance {$970.00} XXXX XXXX BANK XXXX  Date XX/XX/XXXX Account Number XXXX Balance {$480.00} XXXX XXXX  Date XX/XX/XXXX Account Number XXXX Balance {$980.00} XXXX XXXX Date XXXX Account Number XXXX Balance XXXX XXXX XXXX Date XXXX Account Number XXXX Balance {$950.00} XXXX XXXX  Date XX/XX/XXXX Account Number XXXX Balance {$950.00} XXXX XXXX  Date XX/XX/XXXX Account Number XXXX Balance {$950.00} XXXX & XXXX XXXX Date XX/XX/XXXX Account Number XXXX Balance {$290.00} XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX  XXXX BANK Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date 09XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date 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 2025-09-13 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:
I am submitting this complaint regarding multiple inaccuracies and erroneous items being reported on my credit file by various furnishers and credit reporting agencies. These errors are causing severe harm to my credit standing and are in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Below is a detailed list of the inaccurate and disputed items : Wrong Address Reporting XXXX XXXX XXXX XXXX XXXX, CA XXXX Incorrect XXXX XXXX  XXXX, CA XXXX Incorrect These addresses do not belong to me and should not appear in my credit profile. 

Accounts Reported with Late Payments/Charge-Offs/Collections ( Inaccurate & Disputed ) XXXX XXXX XXXX XXXX XXXX  High Balance {$490.00} Late Payment ( Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$2400.00} Charge Off ( Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$210.00} Charge Off ( Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$34000.00} Charge Off ( Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  High Balance {$2000.00} Charge Off ( Opened XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance {$18000.00} Late Payment ( Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX  High Balance {$24000.00} Charge Off ( Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX  High Balance {$4300.00} Collection ( Opened XX/XX/XXXX ) These accounts are either inaccurately reported, not validated, or are reporting erroneous payment histories inconsistent with my records. I dispute the accuracy, ownership, and validity of these negative items and request a full investigation. 

Unverified and Questionable Inquiries XXXX XXXX  XXXX  Inquiry ( XX/XX/XXXX ) XXXX XXXX XXXX Inquiry ( XX/XX/XXXX ) XXXX  Inquiry ( XX/XX/XXXX ) These inquiries were not authorized by me and appear to have been made without my consent, which constitutes a violation of FCRA 604.

Requested Action : Immediately investigate and remove the inaccurate addresses.

Conduct a full reinvestigation of all disputed accounts and delete any unverifiable, inaccurate, or outdated negative items.

Remove the unauthorized and questionable inquiries from my credit file.

Ensure compliance with the FCRA and FDCPA by holding the furnishers and credit reporting agencies accountable.

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 2025-09-13 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: MS

Complaint narrative:
XXXX XXXX Subject : Dispute of Inaccurate Bankruptcy Reporting on Equifax Credit Report XXXX XXXX  Account Dear CFPB, I am submitting this formal complaint and dispute regarding Equifaxs inaccurate reporting of my XXXX XXXX  XXXX  account. The account is currently being reported as associated with a bankruptcy in both the current payment status and worst payment status fields. This information is inaccurate, outdated, and misleading. 
The bankruptcy referenced in my credit file has been removed from my credit report The account is currently in good standing, and I am making regular, on-time payments. Therefore, it is incorrect and damaging for Equifax to continue listing bankruptcy in the Current Status and Worst Status sections of this tradeline. 

This misreporting violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain complete and accurate information. I have already attempted to resolve this issue directly with Equifax, but the inaccurate reporting remains. 
I respectfully request that the CFPB investigate this issue and require Equifax to : 1. Remove the bankruptcy notation from both the current payment status and worst payment status fields for the XXXX XXXX  account. 
2. Update the account status to reflect that the account is current and in good standing. 
3. Ensure all information reported on my credit file is accurate and does not misrepresent my financial history. 
This inaccurate reporting is negatively affecting my credit score and financial opportunities. I am requesting the CFPBs assistance in ensuring this matter is corrected as soon as possible. Please see attached documents. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX Subject : Dispute of Inaccurate Bankruptcy Reporting on Equifax Credit Report XXXX XXXX  Account Dear CFPB, I am submitting this formal complaint and dispute regarding Equifaxs inaccurate reporting of my XXXX XXXX  XXXX  account. The account is currently being reported as associated with a bankruptcy in both the current payment status and worst payment status fields. This information is inaccurate, outdated, and misleading. 
The bankruptcy referenced in my credit file has been removed from my credit report The account is currently in good standing, and I am making regular, on-time payments. Therefore, it is incorrect and damaging for Equifax to continue listing bankruptcy in the Current Status and Worst Status sections of this tradeline. 

This misreporting violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain complete and accurate information. I have already attempted to resolve this issue directly with Equifax, but the inaccurate reporting remains. 
I respectfully request that the CFPB investigate this issue and require Equifax to : 1. Remove the bankruptcy notation from both the current payment status and worst payment status fields for the XXXX XXXX  account. 
2. Update the account status to reflect that the account is current and in good standing. 
3. Ensure all information reported on my credit file is accurate and does not misrepresent my financial history. 
This inaccurate reporting is negatively affecting my credit score and financial opportunities. I am requesting the CFPBs assistance in ensuring this matter is corrected as soon as possible. Please see attached documents. 

Thank you for your attention to this matter. 

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 explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
In reviewing my credit report, I discovered several accounts and inquiries that I do not recognize and did not authorize. 

On XX/XX/year>, a hard inquiry from XXXX XXXX XXXX appeared without my knowledge or application. 

On XX/XX/year>, an inquiry from XXXX XXXX also appeared without my consent. 

On XX/XX/year>, an inquiry from XXXX XXXX XXXX appeared that I did not authorize. 


Additionally, the following collections and charged-off accounts are being reported, which I did not open or authorize : XXXX XXXX XXXX XXXX XXXX  {$1100.00} ( collection ) XXXX {$1400.00} ( collection ) XXXX XXXX XXXX XXXX XXXX {$820.00} ( collection ) XXXX XXXX reported as charged off XXXX XXXX XXXX XXXX XXXX XXXX . reported as charged off These accounts and inquiries are not mine and appear to be the result of identity theft. I have never held accounts with these creditors nor authorized the inquiries listed. 

I have filed/plan to file a police report and have contacted the credit bureaus to dispute these fraudulent accounts and inquiries. I am requesting that these inaccurate items be investigated and removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: TX

Complaint narrative:
I am filing this complaint regarding an unauthorized hard inquiry that appeared on my credit file on XX/XX/scrub>, 2025, reported by XXXX XXXX. I did not authorize this inquiry, nor did I apply for any credit, loan, or financial product with XXXX XXXX. This constitutes identity theft and/or an impermissible use of my consumer 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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover charged off and sold this account, yet they continue to report it every month as past due on my credit report. This is inaccurate because once a debt is sold or charged off, the original creditor should not continue updating the status monthly as delinquent especially if they no longer own the debt. 

I have attempted to contact Discover directly several times by phone, but each time I was transferred between departments and never provided with a resolution or the correct department. I was told they could not assist me, even though I verified my identity. 

This is negatively affecting my credit profile, despite Discover no longer having any interest in or ownership of the account. The monthly reporting of a past due status on a charged-off, sold debt is misleading and in violation of the Fair Credit Reporting Act ( FCRA ) and can be considered re-aging of the account. 

XXXX I previously held an account with XXXX Bank that was settled in full as of XX/XX/year>. Despite this, my XXXX  credit report still shows the account as Paid in Settlement/ {$36000.00} Written Off, which presents the debt as if it were unpaid or defaulted in full. 

This large written off amount is misleading, especially since the account was resolved through a formal settlement. XXXX has not updated the tradeline accurately to reflect the closure and resolution of the account. I have proof of the settlement being accepted and completed. 

This entry is significantly damaging my credit profile, even though the debt no longer exists. I am trying to rebuild my credit after resolving my past obligations, and this reporting is unfairly limiting my progress. 


XXXX XXXX Bank is reporting an account on my XXXX  credit report as Charged Off as Bad Debt, without any context showing whether the account was closed, resolved, or paid. This language is misleading and damaging, especially if the debt was sold, settled, or otherwise resolved behind the scenes. 

I attempted to dispute the account through the credit bureau, and Ive also tried contacting XXXX XXXX directly without receiving a clear response or resolution. There has been no recent update to the tradeline to reflect an accurate or complete status. 

The bad debt label continues to hurt my credit score despite a lack of active collection or balance due, and no context is provided in the reporting to show a conclusion to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently, I did an Investigation on my credit report and several items on there to be Inaccurate.

Under 15 U.S code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency Prepares a consumer report. It shall follow reasonable procedures to assure the maximum Possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an Item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the Consumer, or modify that item of information, as appropriate, based on the results of the Reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has Been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, 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 explanation
Consumer complaint received 2025-09-13 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: FL

Complaint narrative:
Recently, I did an Investigation on my credit report and several items on there to be Inaccurate.

Under 15 U.S code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency Prepares a consumer report. It shall follow reasonable procedures to assure the maximum Possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an Item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the Consumer, or modify that item of information, as appropriate, based on the results of the Reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has Been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately.

Company response to consumer: Closed with explanation