vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Its very upsetting to discover that unauthorized inquiries are still appearing on my credit report today. I thought it might be a technical error and tried refreshing the page, but nothing changed. Im demanding that this issue be resolved right away, and I ask that my submitted documents be carefully reviewed so I can finally stop worrying about this.

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 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
The following is to reiterate what happened in a previous complaint against M & T and what happened after complaint filed. I opened a checking POA 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 - XXXXXXXX XXXX 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 XXXX 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 XXXX. 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 XXXX 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 XXXX 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 XXXX 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 XXXX times and M & T provided no response nor XXXX or my savings account balance checks. Despite complaint though CFPB ( which I was happy how fast it went ), M & T still did not comply or even explain whey they sent partial payments. I still did not receive the missing {$74.00} deposit from my checking or even the full remaining balance of {$160.00} of the POA account. They only sent {$63.00} out of {$160.00}.

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 2025-08-02 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 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 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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
CEASE AND DESIST NOTICE From : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To : Credence Resource Management , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> RE : CEASE AND DESIST UNAUTHORIZED AND FRAUDULENT CREDIT REPORTING / COLLECTION ATTEMPTS To Whom It May Concern, This letter serves as a formal legal notice and demand that Credence Resource Management immediately cease and desist all unlawful reporting, collection, and use of false information relating to my credit file and alleged XXXX XXXX XXXX  account. 

The information you have reported and/or attempted to collect is inaccurate, fraudulent, and unauthorized. Your continued actions violate : 15 U.S.C. XXXX et seq. ( Fair Credit Reporting Act ) Prohibiting the furnishing of inaccurate consumer information to credit reporting agencies. 
15 U.S.C. XXXX et seq. ( Fair Debt Collection Practices Act ) Prohibiting false representation of debts, harassment, and collection of debts not owed. 
Applicable State Fraud & Deceptive Practices Laws Prohibiting misrepresentation and financial harm through false reporting. 

Accordingly, I hereby demand : XXXX. Immediate deletion of all false credit information you have reported to any consumer reporting agencies ( XXXX XXXX XXXX or others ). 
XXXX. Written confirmation within XXXX ( XXXX ) days of receipt of this Notice that such inaccurate information has been permanently deleted and that no further reporting will occur. 
XXXX. Cessation of all collection activity related to this alleged account, including but not limited to phone calls, letters, and third-party reporting. 

Failure to comply with this Notice will result in legal action against Credence Resource Management, including : Filing of complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Texas Attorney Generals Office. 
Civil litigation seeking damages, legal costs, and any other remedies provided under state and federal law. 

This Notice constitutes a final warning. Any further misrepresentation, reporting, or harassment will be treated as evidence of intentional misconduct and bad faith. 



Reservation of Rights I reserve all rights under XXXX XXXX and all common law rights. Nothing herein shall be construed as consent to any alleged claim, contract, or obligation not lawfully proven to exist. 



Sincerely, XXXX XXXX XXXX Living Man / Secured Party Creditor XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Subject : Dispute of Inflated Charge-Off Balance XXXX  XXXX XXXX Credit Card To whom it may concern, I am submitting this complaint regarding a charged-off credit card account reported by XXXX XXXX XXXX. The account was opened on XX/XX/XXXX, and had a credit limit of {$300.00}. The last known balance from my final use of the card was {$45.00}, yet the current reported charge-off balance is {$600.00}, which is both inaccurate and inflated beyond the accounts approved credit limit. 

As of XX/XX/XXXX, the account is being reported as charged off with a 100 % credit usage and a delinquency history extending back 21 months, including 120 and 150-day late marks. However, the last activity on the account was on XX/XX/XXXX, and I have attached the most recent statement from that date as supporting evidence. 

This reporting does not reflect the actual use and balance of the account and may constitute a violation of the Fair Credit Reporting Act ( FCRA ), as it portrays a materially inaccurate and damaging financial situation. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and require XXXX  XXXX XXXX to : Correct the reported balance to reflect the actual amount owed at the time of last use, which was {$45.00}. 

Remove any inaccurate late payment records that do not correspond with legitimate account activity. 

Cease reporting inflated or misleading information to credit reporting agencies. 

Thank you for your attention to this matter. I am available to provide any additional documentation if needed.

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 2025-08-02 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: NY

Complaint narrative:
Subject : Dispute of Inflated Charge-Off Balance XXXX  XXXX XXXX Credit Card To whom it may concern, I am submitting this complaint regarding a charged-off credit card account reported by XXXX XXXX XXXX. The account was opened on XX/XX/XXXX, and had a credit limit of {$300.00}. The last known balance from my final use of the card was {$45.00}, yet the current reported charge-off balance is {$600.00}, which is both inaccurate and inflated beyond the accounts approved credit limit. 

As of XX/XX/XXXX, the account is being reported as charged off with a 100 % credit usage and a delinquency history extending back 21 months, including 120 and 150-day late marks. However, the last activity on the account was on XX/XX/XXXX, and I have attached the most recent statement from that date as supporting evidence. 

This reporting does not reflect the actual use and balance of the account and may constitute a violation of the Fair Credit Reporting Act ( FCRA ), as it portrays a materially inaccurate and damaging financial situation. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and require XXXX  XXXX XXXX to : Correct the reported balance to reflect the actual amount owed at the time of last use, which was {$45.00}. 

Remove any inaccurate late payment records that do not correspond with legitimate account activity. 

Cease reporting inflated or misleading information to credit reporting agencies. 

Thank you for your attention to this matter. I am available to provide any additional documentation if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
See attached FTC report and identity verification documents. I have accounts and inquiries listed on my credit file that are unrecognizable and authorized by me. I believe someone has stolen my identity and used it.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
See attached FTC report and identity verification documents. I have accounts and inquiries listed on my credit file that are unrecognizable and authorized by me. I believe someone has stolen my identity and used it.

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 2025-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Berlin-Wheeler, Inc. (Kansas)
State: NE

Complaint narrative:
I recently got this put on my credit report of debt from over a year ago. XXXX lived in XXXX  and moved back to XXXX. XXXX tried to settle this debt with XXXX XXXX however was met with no avail. I was unemployed at the time and I could not get financial assistance due to not being a XXXX  resident for more than XXXX XXXX. I called and reached out to their team however was ignored or told to resolve with the credit company. I received inadequate care and tried to dispute it with the hospital and the credit company. They call at least once a day and leave voicemails couple days at a time. I am currently a student who works XXXX XXXX a week. I have no means to pay this bill. Ive tried to do a pay to delete and the credit company didnt seem to understand. My credit card payments ( XXXX  student card ) have been on time but this debt has docked my credit significantly.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have identified serious billing errors under 15 U.S. CXXXXe XXXX ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least XXXX days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from 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 explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
On XX/XX/year>, my mother and I volunteered to take a later flight with XXXX in return for a promised {$1000.00} each. Only after we accepted this deal did it become clear to us that it would be paid out in what they called a {$1000.00} USD gift code. We both used this gift code to each select a {$1000.00} Visa Reward Virtual Account. The website I received this card on is XXXX The website states that Your virtual reward card can be used to pay with digital wallets : XXXX Pay The Cardholder Agreement for the Reward Card also states that the card is redeemable to buy goods and services anywhere Visa Debit cards are accepted. On XX/XX/year>, I attempted to use this Reward Card to purchase an XXXX laptop for college. Because it is a virtual card and I was not mailed a physical card, I used the XXXX website to attempt my purchase. I kept receiving an error message that the card was invalid, so I called the number on the back of the virtual Reward Card, XXXX the woman who answered informed me that my card did not work at XXXX. I believe this violates the aforementioned statement in the Cardholder agreement. I also attempted to add this reward card to my XXXX XXXX to use through XXXX XXXX. I again get an error message and it says that the card can not be added. The customer service representative also could not provide me with a list of stores and websites that accept the Reward Card nor a single merchant that would, she insisted that I should just keep trying. Since XX/XX/year>, I have repeatedly tried to use the Reward Card for other purchases, including smaller clothing websites such as XXXX and larger companies such as XXXX, which have all failed. My mother and I would like a way to spend our {$2000.00} because the website and Cardholder Agreement for the Reward Card promise methods that the customer service representative refuted. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX I am filing this complaint against TransUnion for repeated violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. 

XXXX. Failure to Investigate Disputes I have submitted multiple disputes to TransUnion through the Consumer Financial Protection Bureau ( CFPB ). The CFPB has confirmed that the disputes were received and forwarded to TransUnion. However, TransUnion continues to deny ever receiving them, and refuses to conduct any investigation in violation of FCRA 611 ( a ). 

XXXX. Misreporting of XXXX TransUnion is reporting XXXX dismissed XXXX XXXX XXXX  as Account Included in Bankruptcy and XXXX  XXXX Closed. This is false and misleading, as these XXXX were never XXXX and should not reflect as if they were successfully completed. This misrepresentation violates FCRA 607 ( b ) and Metro 2 Guidelines, which require dismissed bankruptcies to be properly labeled and coded. 

XXXX. Re-aging of Charged-Off Accounts TransUnion is also reporting XXXX charge-off accounts that were closed in XXXX, but are still showing balance updates and high-balance activity as recently as XXXX and XX/XX/XXXX. This is a form of re-aging, a prohibited practice under the FCRA, which misleads creditors and harms consumer credit scores. 

These practices are not only inaccurate but deceptive. I demand that TransUnion : Properly investigate all disputes submitted through the CFPB. 

Correct the bankruptcy reporting to reflect Dismissed, not Included in Bankruptcy. 

Cease re-aging closed charge-off accounts. 

Provide the method of verification used, as required by law. 

If unresolved, I am prepared to escalate to the FTC, state attorney general, and seek legal counsel for statutory damages under FCRA 616 and 617.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Complaint : I submitted a certified, exemplified, and apostilled court-issued name change decree ( Case No. XXXX ) to Experian to correct my legal name in their records. Despite proper legal notice and multiple requests for correction, Experian continues to report inaccurate information, including my former name in all caps and outdated addresses and phone numbers. 
I also submitted a formal Security Agreement and Commercial Claim asserting my standing as a Living Man and Private Beneficiary, demanding removal of inaccurate data and proper recognition of my legal status. 
Experian refused to correct my records, labeled my lawful submissions as frivolous, and failed to provide any valid verification or lawful basis for maintaining the inaccurate report. This refusal constitutes willful trespass, misrepresentation, and violation of the Fair Credit Reporting Act ( FCRA ) and the FTC Act.

I requested a full accounting and forensic audit trail of all access or dissemination of my personal credit information, which was not provided.

As a result, Experians conduct has caused harm to my reputation, creditworthiness, and privacy.

I request immediate correction, removal of inaccurate data, written acknowledgment of compliance, damages for ongoing harm, and a cease and desist order against further publication of false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: TX

Complaint narrative:
Ive disputed this account multiple times with Experian. I requested verification under the Fair Credit Reporting Act ( FCRA ), specifically Sections 609 and 611. Experian failed to provide documentation from the furnisher or any method of verification within the legal 30-day timeframe.

Despite this, they continue to report this negative item, which is damaging my credit. They never sent me proof that I opened or authorized this account. This violates the FCRA, and I am requesting that the item be removed from my report immediately due to failure to verify. 

Attached are screenshots of my disputes and Experian 's responses showing no verification was provided.

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