vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 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: AZ

Complaint narrative:
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 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: TX

Complaint narrative:
I see in my credit report in XXXX and XXXX  a debt for a company name XXXX XXXX I am not liable for this account is not mine

Company response to consumer: Untimely response
Consumer complaint received 2025-06-29 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:
To Whom It May Concern, I am formally demanding the IMMEDIATE and permanent removal of the child support account you have reported to the credit bureaus ( Account # XXXX ). Your reporting of this information is unauthorized and a clear violation of my rights under the law. 

Legal Arguments and DEMAND FOR REMOVAL 1. Violation of My Right to Privacy ( FCRA 15 USC 1681 ) : You are reporting, storing, and sharing my personal and financial information without my explicit, written consent. The FCRA requires that all data reported to consumer reporting agencies must be accurate, complete, and with the consumers permission. You have a grave responsibility to protect my privacy, and you have no legal right to report any account without my express authorization.

2. No Permissible Purpose ( FCRA 15 USC 1681b ) : Under the Fair Credit Reporting Act, you must have a permissible purpose and clear legal authority to report or share information to credit bureaus. I have reviewed my agreed order, and at no point did I give consent for credit reporting. You have no permissible purpose to furnish this data.

3. No Authorization or Written Consent : At no time have I signed or provided any authorization for your office to report this child support account to Experian, Equifax, TransUnion, or any third party.

4. Failure to Comply With Consumer Law ( FCRA 15 USC 1681c, 1681i ) : You are required to ensure the maximum possible accuracy of any information you furnish and to correct or delete any information that can not be legally verified or is unauthorized. Since you do not have my permission, this account must be removed immediately.

5. Ongoing Willful Noncompliance and Harm : Continuing to report or reinsert this account after this notice constitutes willful noncompliance and exposes you to statutory damages of {$1000.00} per violation ( FCRA 15 USC 1681n ), plus actual damages and attorney fees.

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 2025-06-29 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: TX

Complaint narrative:
To Whom It May Concern, I am formally demanding the IMMEDIATE and permanent removal of the child support account you have reported to the credit bureaus ( Account # XXXX ). Your reporting of this information is unauthorized and a clear violation of my rights under the law. 

Legal Arguments and DEMAND FOR REMOVAL 1. Violation of My Right to Privacy ( FCRA 15 USC 1681 ) : You are reporting, storing, and sharing my personal and financial information without my explicit, written consent. The FCRA requires that all data reported to consumer reporting agencies must be accurate, complete, and with the consumers permission. You have a grave responsibility to protect my privacy, and you have no legal right to report any account without my express authorization.

2. No Permissible Purpose ( FCRA 15 USC 1681b ) : Under the Fair Credit Reporting Act, you must have a permissible purpose and clear legal authority to report or share information to credit bureaus. I have reviewed my agreed order, and at no point did I give consent for credit reporting. You have no permissible purpose to furnish this data.

3. No Authorization or Written Consent : At no time have I signed or provided any authorization for your office to report this child support account to Experian, Equifax, TransUnion, or any third party.

4. Failure to Comply With Consumer Law ( FCRA 15 USC 1681c, 1681i ) : You are required to ensure the maximum possible accuracy of any information you furnish and to correct or delete any information that can not be legally verified or is unauthorized. Since you do not have my permission, this account must be removed immediately.

5. Ongoing Willful Noncompliance and Harm : Continuing to report or reinsert this account after this notice constitutes willful noncompliance and exposes you to statutory damages of {$1000.00} per violation ( FCRA 15 USC 1681n ), plus actual damages and attorney fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: M&T BANK CORPORATION
State: IL

Complaint narrative:
I am writing to formally address a serious issue I have encountered regarding my mortgage account. Due to a challenging divorce and high legal bills, I requested assistance to defer one months payment to the end of my mortgage term. After a lengthy interview process, I was approved for this assistance. 

During our discussions, it was made clear that my husband, who signed the loan stating he was not part of it, would not need to be involved further. However, upon attempting to make my mortgage payment the following month, I discovered that my request was declined due to the absence of his signature on paperwork. This requirement was never communicated to me, and considering he was not on the loan, it did not cross my mind that this would be an issue. 

As a result, I was faced with the difficult decision of either paying two months of rent or starting the process over again. I chose to start over, leading to a frustrating ordeal of more than seven attempts to receive the correct paperwork at both of our addresses, all of which required notarization. This process was further complicated by an error on the notarys part, requiring re-execution multiple times. 

Given the high-conflict nature of my divorce, it was dangerous for me to visit my husbands home, yet I had to do so with the notary present to finalize the necessary signatures. The repeated errors and poor handling of this process by your team have resulted in late payments that now adversely affect my ability to purchase a home as a single mother of four. 

Despite my consistent communication with your office, I have repeatedly been told that I should have simply paid in full. This response fails to take into account the significant issues created by your team. 

I am not seeking a favor or financial assistance ; I am requesting that your team rectify the errors that were made. I hope for a prompt review of my account history, where you can see my numerous attempts to resolve this issue.

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 2025-06-29 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX/ XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX XXXX Account name : XXXXXXXX XXXX # XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX I looked at my credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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. and according to 15 USC 1681s-2 they are supposed to 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. 1681i ( a ) ( 1 ) ( A ) You have the right to dispute inaccurate information, and credit reporting agencies ( CRAs ) must investigate within 30 days. 1681i ( a ) ( 5 ) ( A ) If information can not be verified, it must be deleted. 1681e ( b ) CRAs must ensure maximum possible accuracy in the information they report. " Under 15 U.S. Code 1681i and 1681e ( b ) of the FCRA, I have the right to dispute any information that I believe is inaccurate or unverifiable. If the account in question can not be verified, it must be removed from my credit 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
Consumer complaint received 2025-06-29 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX/ XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX XXXX Account name : XXXXXXXX XXXX # XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX I looked at my credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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. and according to 15 USC 1681s-2 they are supposed to 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. 1681i ( a ) ( 1 ) ( A ) You have the right to dispute inaccurate information, and credit reporting agencies ( CRAs ) must investigate within 30 days. 1681i ( a ) ( 5 ) ( A ) If information can not be verified, it must be deleted. 1681e ( b ) CRAs must ensure maximum possible accuracy in the information they report. " Under 15 U.S. Code 1681i and 1681e ( b ) of the FCRA, I have the right to dispute any information that I believe is inaccurate or unverifiable. If the account in question can not be verified, it must be removed from my credit file. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: UPGRADE, INC.
State: LA

Complaint narrative:
Upgrade Inc Account ending in * XXXX Charge Off Amount : {$1600.00} Marked as charged off and transferred/sold. No verification of balance, terms, or itemized statements has been provided, violating my rights under 15 U.S.C. 1618. I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account ending in XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Complaint Against Ally Financial Misleading Instructions and Wrongful Repossession I was told by an Ally branch manager that if I made a specific payment, it would stop the repossession process. I followed the exact instructions and made the full payment on time. I was then told the account was frozen, even though I was still attempting to pay more. I was later told I could make another payment on XXXX XXXX the company was closed, making it impossible for me to pay on the date they gave me. 

Despite doing everything they instructed and acting in good faith, Ally still repossessed my car. I made multiple calls, spoke with different departments, and followed their guidance at every step. I have proof of payment, attempted payments, and can request call recordings and chat logs showing I was misled. 

I am requesting the return of my vehicle and removal of all repossession-related fees, as this repossession should not have happened. I am also considering legal action due to the emotional stress and financial harm caused by Allys mishandling of my rights everytime I try to reach out through text chat or audio they say call here and everything isnt open I was told to make a payment through a third party with XXXX XXXX with a XXXX dollar charge I did exactly what they said and everything was closed! Today XXXX  is the XXXX I been trying numerous times reaching since I try to make payment they told me to make a certain payment to stop the repossession and I did exactly what they said I kept looking updates for my acceptance payments all they kept.saying wait XXXX and then I try to make another huge payment because they never stopped the possession even though they said I had till the XXXX of XXXX they still took my vehicle when I made numerous attempts I simply feel this was treated unfairly I did exactly everything what they said to you and they kept sending me to different numbers different departments I literally almost done paying this car I tried to make that payment and they froze it and made it seem like I made no attempts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: LA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX  ] [ XXXX, La, XXXX ] [ XXXX ] [ XXXX ] Date : [ XX/XX/XXXX ] To : XXXX XXXX XXXX XXXX / XXXX / XXXX  [ Insert Address or Contact Info, if available ] Subject : Request for Account Information Account # XXXX Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am writing regarding the installment account listed under my name, account number XXXX, which was reported as charged off on XX/XX/XXXX, with a balance of {$460.00}. 

Please note : I am not disputing this account. I am simply requesting the following information for my personal records and financial planning : 1. The date of delinquency ( when the account first became past due and was never brought current ).

2. The date of the last payment made on the account.

3. The date the account was officially charged off.

Please provide this information in writing. Your assistance in clarifying these details will be appreciated and will help ensure my credit records remain accurate and complete.

Thank you for your time and cooperation. 

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 2025-06-29 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:
This is my second formal complaint against Equifax Credit Bureau. I originally filed complaint # XXXX with the CFPB on XX/XX/year>, disputing multiple inaccurate accounts on my credit report. I requested that Equifax either remove these accounts or provide full, legally valid verification, including signed contracts and communication history from the original creditors. 

On XX/XX/year>, Equifax responded by claiming the accounts were " updated '' or " verified, '' but provided no legal documentation. In some cases, only billing statements were included, which do not satisfy the verification requirements under FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 7 ). 

The disputed accounts are : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax continues to report these accounts as charge-off on a monthly basis, violating FCRA 623 ( a ) ( 5 ) and CFPB XXXX XXXX, which prohibits illegal re-aging of accounts. Their reinvestigation did not correct or remove inaccurate data, in violation of FCRA 611 ( a ) ( 5 ), and they failed to notify me of any legitimate verification process.

This response is not only unacceptable under federal law, but also violates North Carolina consumer protection laws ( N.C. Gen. Stat. 75-1.1 and 75-63 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I found inaccurate negative items on my credit report I contacted the furnished received no verifiable response and Im requesting a full investigation under the fair reporting act.please remove the unverifiable itemsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: PA

Complaint narrative:
I found inaccurate negative items on my credit report I contacted the furnished received no verifiable response and Im requesting a full investigation under the fair reporting act.please remove the unverifiable items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: PA

Complaint narrative:
I found inaccurate negative items on my credit report I contacted the furnished received no verifiable response and Im requesting a full investigation under the fair reporting act.please remove the unverifiable items. Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation