vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-22 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: DE

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am filing this complaint because Portfolio Recovery Associates ( PRA ) is reporting inaccurate information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically 602, 607, and 611. 

This account was settled through a court-negotiated agreement and I have fully paid the settlement. However, PRA is still reporting the collection with multiple inaccuracies : XXXX. The account is improperly listed as Open, even though it has a {$0.00} balance and is fully settled. A settled or paid collection must be reported as Closed. 
XXXX. The remarks contain contradictory information : Paid collection Settled less than full balance Dispute resolved subscriber disagrees This is inconsistent and misleading, which constitutes inaccurate reporting under the FCRA. 
XXXX. I provided evidence of the settlement, but PRA continues to report the tradeline inaccurately. 
XXXX. Because the reporting is not accurate, complete, or consistent, it must be corrected or deleted entirely per FCRA 607 ( b ). 

I am requesting the CFPB to require : Portfolio Recovery to correct the tradeline to show Closed / Paid or Delete the tradeline entirely due to inaccurate and contradictory reporting. 

XXXX, XXXX  and XXXX are also failing to maintain maximum possible accuracy under the FCRA by allowing an open status on a paid account. 

I am providing screenshots of the inaccurate reporting. 

I am requesting immediate correction or deletion. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: IL

Complaint narrative:
Even though the balance has been paid in full, late payment remarks remain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened an account with Truist Bank on XX/XX/XXXX. Ive made multiple direct deposits into the account from my employer with no issue at all. Today, XX/XX/XXXX I went into the branch here in XXXX XXXX  ( XXXX XXXX XXXX  ) to open a savings account. The account was opened and setup again with no problem. I immediately transferred {$1500.00} from my checking account to the new savings account. About an hour later I could not login online into the account and I was advised to call the fraud department. 

After speaking with someone they told me that the bank decided they were no longer going to continue our relationship and my account was closed. They said I would get my funds in about XXXX weeks. I got paid today which means I wont have any additional funds for XXXX weeks. They mentioned it can take XXXX months to receive my funds which means my daughter may go hungry over the next XXXX weeks. I have my car note pending to come out of the bank account so that means I will receive a returned check fee for that payment. This was not right.

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 2025-11-22 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: TX

Complaint narrative:
This account was cleared in full, but the report still lists it as having late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am disputing the accuracy and completeness of the XXXX XXXX account reporting under my credit file. This account is being reported with multiple factual and Metro-2 compliance errors, including : XXXX. Incorrect Utilization on a Closed Account Your reporting shows a {$810.00} balance, a {$600.00} limit, and 135.5 % utilization for an account listed as closed. 
Closed accounts can not show active utilization. 

XXXX. Incomplete Payment History Several months are marked as unknown on the payment history grid. 
Metro-2 requires complete Payment History Profile data. 

XXXX. Contradictory Delinquency CXX/XX/XXXXes The account reports delinquency codes after the date of closure, which violates FCRA XXXX ( a ). XXXX. Failure to CXX/XX/XXXXe Dispute Properly Remarks state the account was previously in dispute, yet the Metro-2 Compliance Condition CXX/XX/XXXXeXX/XX/XXXX was never applied. 

XXXX. Inconsistent and Inaccurate Payment History The grid shows late payments in months inconsistent with the accounts closure and payment history. 
XX/XX/XXXX Closed Account Reporting Active Utilization ( 141 % ) Closed accounts can not : Report a credit limit Report active utilization Report new balances XX/XX/XXXXXXXX is reporting : Active balance = {$700.00} Active limit = {$500.00} Utilization = 141.2 % Thats a Metro-2 Base Segment breach. 
And a FCRA XXXX ( b ) accuracy breach. 

XX/XX/XXXX Missing Payment History ( XXXX marked? ) Every? is a field integrity violation. 

Missing or unknown months violate : Metro-2 Payment History Profile ( Field XXXX ) FCRA XXXX ( a ) ( XXXX ) ( A ) reporting incomplete data FCRA XXXX ( b ) CRAs failing to maintain accuracy XXXX Late Payments Reported After Account Closure Account status = Closed Yet they show NEW late cXX/XX/XXXXes in 2025. 

This is illegal. 

A closed account can not incur new delinquency. 
That violates : FCRA XXXX ( a ) Metro-2 Account Status cXX/XX/XXXXe integrity. XXXX Improper Dispute CXX/XX/XXXXing Remark says : Previously in dispute now resolved Yet Metro-2 never shows : Compliance Condition CXX/XX/XXXXe XX/XX/XXXX ( required during a dispute ) Missing compliance cXX/XX/XXXXing = violation.XX/XX/XXXXXXXX ( b ) Accuracy Requirement XX/XX/XXXXXXXX is furnishing data that is : Incomplete Internally contradictory Impossible ( 141 % utilization on a closed card )XX/XX/XXXXXXXX ( a ) ( XXXX ) ( A ) Duty Not to Report Inaccurate Information The reporting includes : Wrong utilization Contradictory payment dates Impossible delinquency cycles Unknown months Missing XX/XX/XXXX details XXXX XXXX ( b ) Failure to Reinvestigate.XX/XX/XXXXXXXX admits this account was previously disputed. 
Yet the same violations remain failed reinvestigation. 

XXXX XXXX ( a ) ( XXXX ) Must Delete Unverifiable Information All missing months (? ) automatically count as unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 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.

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 2025-11-22 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-11-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: M&T BANK CORPORATION
State: NC

Complaint narrative:
I am a 100 % XXXX veteran attempting to assume an existing XXXX mortgage serviced by M & T Bank ( Loan # XXXX ). I began the assumption process on XX/XX/year>, after receiving M & Ts letter confirming the loan was fully assumable subject to standard qualification. 

Since that date, I have provided every requested document within XXXX hours, most within hours. Despite my timely cooperation, M & T Bank has repeatedly delayed the process without explanation and has failed to provide a decision, a timeline, or meaningful communication. 

The original closing date for the home purchase was XX/XX/year>. XXXX solely to M & Ts inaction, the sellers agreed to extend the closing date to XX/XX/year>. As of todaymore than XXXX months after starting the processI still do not have approval, a status update, or any explanation for the delay. 

I am assuming approximately {$630000.00} of the loan at a 2.25 % VA interest rate, and I am bringing {$1.00} XXXX of my personal savings to closing. This is a very low-risk transaction. The sellers, real estate agents, attorneys, and all parties involved are ready to close. The only barrier is M & T Banks failure to process or communicate on this assumption. 

Because M & T has failed to act, I am now at serious risk of being placed in breach of contract on XX/XX/XXXX and losing {$50000.00} in earnest money, despite doing everything required of me. The sellers believe I am the one causing the delay, and this situation is creating financial, legal, and emotional hardship. 

M & T Bank is not following reasonable servicing timelines, is not meeting VA assumption processing standards, and is putting mean eligible, 100 % XXXX veteranat substantial financial risk for no valid reason. I have all documentation, emails, and evidence of timely 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 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: DE

Complaint narrative:
My cousin received a text message tonight from a company called Jefferson Capital Systems XXXX. We are both unsure how they even got his number. He changed his number a while back. But they sent him a text message about XXXX payments of {$43.00} to resolve a debt with XXXX XXXX. The other question is why the Jefferson company is even reaching out to period considering Milestone still calls and just sent me an email today. They also sent him a link to directly view my information. I will attach the screenshot of the text he received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please correct/update this inaccurate information on 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 non-monetary relief
Consumer complaint received 2025-11-22 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: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
was attempting to settle this debt that they have on me, i myself tried to get a copy the payoff letter, XXXX XXXX tried to get a payoff letter this has been going on since XXXX. I contacted midland credit management and was told they tried to send an email and fax to XXXX XXXX, but there was error on their system. This is the same excuse they said to the XXXX XXXX employee. when i was done talking to them, I filed a complaint with texas attorney office, better business bureau. Today i am filling with cfpb for the reason that i have tried to resolve this matter with them< and it has become impossible, when talking to them they theatened to add another 25 % on top of the amount already owed if i didnt pay in a certain time. mind you, midland credit management has a lien on my homestead home in the state of texas. XXXX XXXX and myself along with a midland credit management employee were on trying to resolve this. I was informed that nothing could be done with my account because I filed a complaint. They said i have to remove the complaint before i can resolve this issue. I do have a recording of the conversation to verify the truth and behavior of midland credit management.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX  Furnishing Inaccurate Credit Information & Improper Re-Aging Summary : XXXX is reporting inaccurate, misleading, and legally improper information regarding my closed/charged-off account # XXXX. They are reporting the full balance as past due, reporting utilization on a closed account, and updating balance dates long after charge-off. DOFD appears incorrect. They have failed to conduct a reasonable investigation.

Violations : FCRA 602 ( A ) FCRA 607 ( b ) FCRA 611 ( a ) FCRA 623 ( a ) ( 1 ) ( A ) FCRA 623 ( a ) ( 5 )

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 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX  Furnishing Inaccurate Credit Information & Improper Re-Aging Summary : XXXX is reporting inaccurate, misleading, and legally improper information regarding my closed/charged-off account # XXXX. They are reporting the full balance as past due, reporting utilization on a closed account, and updating balance dates long after charge-off. DOFD appears incorrect. They have failed to conduct a reasonable investigation. 

Violations : FCRA 602 ( A ) FCRA 607 ( b ) FCRA 611 ( a ) FCRA 623 ( a ) ( 1 ) ( A ) FCRA 623 ( a ) ( 5 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: AZ

Complaint narrative:
On Monday XX/XX/XXXX I got a bunch of emails saying my cashapp pin was reset and my email is unlinked and a new email was linked and all my other bank accounts was hacked too and I call cashapp and they are telling me they cant do anything cause I cant verify the email that my cashapp was changed too. I've had direct deposit with my cash app for years with the same email and they let someone change it and now they are just holding my money the people that hacked into my account didn't get anything but cashapp wont give me my money back cause I dont know the new email or phone number or the new card that the hackers linked to my account I even offered to give them my direct deposit info my ID my SS card they will not help me I just want my money I have bills to pay and now late fees and im about to loose my car. Cash app has made it so easy for someone to change all my info but hard for me to get it back im stressed out and mentally breaking down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-22 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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