vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im disputing an inaccurate charge-off from XXXX XXXX thats still reporting monthly as a charge-off across all 3 credit bureaus. This is misleading and damages my score as if the account is newly delinquent each month which is considered re-aging and violates the FCRA.

Ive submitted previous disputes requesting deletion, but theyve failed to investigate or address the clear discrepancies in balance and credit limit ( ex : original balance {$360.00}, current balance {$170.00}, limit {$200.00} or {$0.00} ). Also theres Inconsistent Reporting Across Bureaus ( FCRA 607 ( b ) ).

Under FCRA 623 and 611, Im demanding a full investigation and permanent deletion of this account for inaccurate and misleading reporting. Screenshot attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im disputing an inaccurate charge-off from XXXX XXXX thats still reporting monthly as a charge-off across all 3 credit bureaus. This is misleading and damages my score as if the account is newly delinquent each month which is considered re-aging and violates the FCRA.

Ive submitted previous disputes requesting deletion, but theyve failed to investigate or address the clear discrepancies in balance and credit limit ( ex : original balance {$360.00}, current balance {$170.00}, limit {$200.00} or {$0.00} ). Also theres Inconsistent Reporting Across Bureaus ( FCRA 607 ( b ) ).

Under FCRA 623 and 611, Im demanding a full investigation and permanent deletion of this account for inaccurate and misleading reporting. Screenshot attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
RE : Follow-up on XXXX XXXX  Complaint No Response / Inaccurate Reporting Dear CFPB, I am writing to follow up on my formal complaint filed against XXXX XXXX  ( XXXX ), currently appearing on my credit reports as a charge-off. This account continues to be reported with several major inaccuracies and remains unresolved : The account falsely states I paid off 89 % of the loan, despite me never making any payments on it. 

The account is marked as both charged-off and open, which is legally and logically impossible. 

The creditor has not provided any verification of the account or corrected the inaccuracies. 

To my knowledge, XXXX XXXX has not responded to the original CFPB complaint. 


Under the Fair Credit Reporting Act ( FCRA ), credit furnishers and credit bureaus are required to report accurate and verifiable information. This account fails to meet those standards. 

I am requesting the CFPB take additional steps to enforce accountability and assist with the full removal of this account from all three major credit bureaus ( XXXX XXXX XXXX ) due to its failure to comply with federal law. 

Please confirm receipt of this follow-up and advise of the next steps. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I opened a checking XXXX  account for my friend, checking & savings account for myself. I managed his acct per his instructions. These are only a few steps that I took before it started feeling like they were giving me the runaround. I feel like they discriminated against me and my friend as there was no reason or cause to have closed out these accounts. 

XX/XX/XXXX - Deposited ck in amount of {$74.00} and then again in XX/XX/XXXX. One of the checks was never deposited in my Checking account. 

XX/XX/XXXX - At one point, I received a call from M & T Investigator ( XXXX XXXX ) who requested to speak to my friend. Notified my friend to call. 

XX/XX/XXXX - XXXX XXXX called back and stated that all was good. Despite I was completely honest with M & T, they treated me like I was not. 

XX/XX/XXXX - They forwarded me a letter stating that they were closing MY account and nothing about the POA account being closed out. 

As I went online to check accounts, I found I could not access ALL three of the accounts. The POA checking, MY Checking and/or Savings. 

XX/XX/XXXX - I received check in the amount of {$950.00} for my checking account but nothing on the POA ( {$160.00} ) or my Savings ( {$420.00} ) I went to Branch. She stated that I had to call XXXX and verified all three accounts were listed at XXXX XXXX XXXX. 

There were still issues with the balance of my checking account ending in XXXX for the check amount of {$74.00}. I had deposited 2 of them : XX/XX/XXXX in the amount of {$74.00} and then again on XX/XX/XXXX in the amount of {$74.00}. I never received one of those checks. 

Provided me with statements for past month. Said I had to pay {$5.00} per copy of any others despite I was to get up to 6 months at no charge. Seems like they were trying to be sure I did not get full accounting. 

XX/XX/XXXX received notice from XXXX. Did not look like they put me down as fraudulent but who knows what may have happened afterwards. 

XX/XX/XXXX - Called XXXX re : checks. Stated it was being sent. 

XX/XX/XXXX - Spoke with XXXX at M & T - He stated XXXX was sent to XXXX but branch had previously stated that address on file for all XXXX accounts was XXXX XXXX XXXX, XXXX, MD XXXX. 

XX/XX/XXXX - Attorneys from XXXX XXXX XXXX XXXX XXXX sent M & T letter two times and M & T provided no response nor XXXX or my savings account balance checks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized nor benefited from. Please make sure all my information is 100 % correct. This situation is unfair and my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report now!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This Bank of America credit card account was closed in 2020 and is now showing inconsistently across all three credit bureaus. XXXX reports the account as Paid, Closed, {$1200.00} written off with a charge-off in XX/XX/year>XXXX XXXX reports Payment after charge-off/collection but shows a {$0.00} balance and no current delinquency. XXXX correctly shows the account as Pays account as agreed with a {$0.00} balance and no derogatory status. I believe the charge-off or negative reporting on XXXX XXXX XXXX is misleading and does not reflect the accounts final resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. 

To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XX/XX/XXXXNew York XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN.

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1. Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2. Update my credit profile to reflect the correct information as listed above.

3. Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. XXXX XXXX XXXX, XXXX, GA, XXXX & XXXX XXXX XXXX XX/XX/XXXXXXXX, OR, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I previously held a credit card account with Capital One, which was later closed and charged off with a balance I do not recognize. Sometime after the account was closed, I received a letter in the mail from Capital One stating that my personal information may have been compromised in a data breach 2019. I believe this breach may be connected to the questionable activity on my account, as I have no knowledge of the account going to collections and was never contacted about the delinquency.

I attempted to file a claim related to the breach but never received a follow-up or resolution from Capital One. I am now disputing this account, as I believe it may involve unauthorized activity or mishandling of my personal data.

I am requesting that this account be thoroughly investigated and removed from my credit report if found to be inaccurate, fraudulent, or improperly handled due to the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing a complaint regarding the inaccurate reporting of the XXXX account ( Acct # XXXX XXXX XXXX XXXX XXXX ). The reporting violates multiple sections of the Fair Credit Reporting Act ( FCRA ) : Inconsistent Reporting Across Bureaus ( FCRA 607 ( b ) ) TransUnion reports an original balance of {$500.00}, while

Equifax reports {$480.00}. Reported dates also differ by three months. Improper Balance Reporting After Charge-Off ( FCRA 623 ( a ) ( 1 ) ( A ) ) Both bureaus continue to show an active balance of {$170.00} on a charged-off account, which is misleading and inaccurate. That is not how a charge off works. Once charged off the account should be {$0.00}. Re-Aging ( FCRA 623 ( a ) ( 5 ) ) The last payment date is XX/XX/XXXX, yet the account continues to be updated as recently as XXXX, artificially extending its reporting period. Charge off 's are a one time event and should not continue to report each month. This reporting is harmful and makes it look like I am currently still past due. This kind of reporting goes against metro 2 credit reporting guidelines Given these clear violations, I request a full reinvestigation and deletion of this account from all credit reporting agencies if it can not be verified with accurate documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the following inaccurate inquires on my Equifax credit report, violate several provisions of the fair credit reporting act [ FCRA ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA 604 ( a ) ( 3 ) / 15 U.S. Code 1681b This section of the law restricts credit inquiries to entities that have a permissible purpose to access a consumers credit report. I did not authorize this inquiry from XXXX XXXX, nor did I initiate any application that would grant such access. FCRA 611 / 15 U.S. Code 1681i ( a ) As a consumer, I have the right to dispute any information I believe to be inaccurate or incomplete. Upon receiving my dispute,
XXXX  is legally obligated to conduct a reasonable reinvestigation and either verify, correct, or delete

the disputed item within 30 days. FCRA 607 ( b ) / 15 U.S. Code 1681e ( b ) EQUIFAX must maintain procedures to ensure the maximum possible accuracy of the information they report. Continuing to report a questionable inquiry without verifying its legitimacy violates this standard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief