vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Millco Management
State: FL

Complaint narrative:
XXXX  acct paid in full by insurance after accident yet marked late. Violates FCRA 607 ( b ) & 611 ( a ). Info not accurate/verifieddelete immediately. 

2 ) Dispute outdated accts incl. XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX These exceed the 7-year reporting limit under FCRA 605 ( a ). Info is obsolete delete immediately per the Fair Credit Reporting Act.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX  acct paid in full by insurance after accident yet marked late. Violates FCRA 607 ( b ) & 611 ( a ). Info not accurate/verifieddelete immediately. 

XXXX ) Dispute outdated accts incl. Capital One, XXXX, XXXX XXXX XXXXXXXX XXXX These exceed the 7-year reporting limit under FCRA 605 ( a ). Info is obsolete delete immediately per the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: Hillcrest Davidson & Associates
State: OH

Complaint narrative:
My information was compromised and used illegally without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX M & T Bank ( branch .. XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX ) : Dispute Resolution / XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and personal checking Case/Reference Number ( if any ) : XXXX  Dispute Information Date of Transaction/Dispute : XXXX, 2024 Amount in Dispute : {$5000.00} {$8000.00} Type of Dispute : Unauthorized/Erroneous Electronic Funds Transfer Description of the Issue I am filing this complaint regarding M & T Banks mishandling of an electronic funds dispute under Regulation E of the Electronic Fund Transfer Act. 

In XX/XX/2024, funds totaling approximately {$5000.00} {$8000.00} went missing from my account. I provided documentation from Cash App confirming that Cash App is not responsible, and that the funds were mishandled by M & T Bank. 

Despite this, M & T prematurely closed the dispute case without completing a proper investigation and without providing provisional credit, as required under Regulation E. 

Recently, when contacting the bank, I was told I would receive a letter in the mail as the next step. After XXXX months, this response is insufficient, unreasonable, and not compliant with Regulation E requirements.

Regulation E Violations M & T Bank failed to comply with the following obligations under Regulation E : 1. Investigate and resolve the dispute in a timely manner ( within 10 business days, or up to 45 days for extended investigations ) 2. Issue provisional credit if the investigation exceeded the standard timeline 3. Avoid premature case closure without a proper determination 4. Maintain clear communication and documentation for the consumer As a result, my dispute remains unresolved, and I have not received my funds. 


Requested Resolution I am requesting that the CFPB direct M & T Bank to : 1. Issue immediate provisional credit for the disputed amount 2. Escalate my case to the Regulation E compliance or Executive Resolution team 3. Provide a written timeline for resolution 4. Document and explain the premature case closure and delayed investigation I have attempted to resolve this directly with M & T Bank, but their response wait for a letter in the mail is not sufficient given the six-month delay and their violation of federal consumer protection law. 

Thank you for your attention to this matter. 

Sincerely, XXXXXXXX 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
Consumer complaint received 2025-10-30 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: TN

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. 

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: OH

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


XXXX U.S. Code XXXX outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


XXXX U.S. Code $ XXXX a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

XXXX U.S. Code XXXX Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-30 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: AZ

Complaint narrative:
Please cross-check this entry its late and possibly off.

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 2025-10-30 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: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-30 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2025, I mailed a certified dispute letter to TransUnion under the Fair Credit Reporting Act ( FCRA ) disputing the accuracy of a collection account reported by XXXX XXXX XXXX. I requested a reasonable reinvestigation and verification of the account, including validation from the furnisher. If the account could not be fully verified, I requested that it be deleted from my credit file as required by law. 

The letter was delivered to TransUnion on XX/XX/2025, but no written response or investigation results were provided within XXXX  days as required under FCRA XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). 

On XX/XX/2025, I sent a follow-up letter noting TransUnions failure to respond within the XXXX window and reminding them of their obligation to complete and report the results of the reinvestigation. I again received no written update or verification. 

On XX/XX/2025, I sent a second follow-up letter citing continued non-compliance and clarifying that verified as accurate without underlying documentation is not a lawful reinvestigation. The FCRA does not permit a credit reporting agency to rely solely on a furnishers confirmation without tangible proof. Despite multiple certified letters, TransUnion has failed to provide any evidence or documentation supporting the accuracy or ownership of the reported XXXX XXXX XXXX account. 

The investigation took more than XXXX  days, I was not notified of the results, and the disputed item remains on my credit report with no validation provided. This constitutes a failure to conduct a reasonable reinvestigation and continued reporting of unverifiable information in violation of the FCRA. 

I am requesting that TransUnion immediately delete the unverified XXXX XXXX XXXX account from my credit file and confirm in writing that it has been removed.

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 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
I was researching different options of trading futures on Robinhood on XX/XX/year>. The option to purchase a XXXX contract was considered ; however, after I submitted my request to place this order, the system has automatically cancelled the order. I have agreed with this decision of my inability to place the order and have never tried to resubmit it. A few days later I realized that my money in the account started drastically dropping down. I also had micro silver contracts futures purchased, so taking in the account the movement of the market during those days, I thought it was these futures affecting the amount. 
On the XXXX, XXXX, I received the notification that " my '' XXXX contract was closed solely by Robinhood - " due to general risk controls. '' The realized loss of that trade was {$35000.00}. I have immediately checked all my history as well as activity in my account and never been able to find anything related to me opening or purchasing the XXXX contract. 
I contacted a Robinhood representative over the chat option on their app in the early morning of XX/XX/XXXX. After explaining the situation and providing screenshots of my account 's history and activity, I was simply rejected by the representative in my request to remediate the lost funds without any explanation besides the representative claiming that the order had been purchased- somehow, after initial cancellation and without any notification. As of right now, I do not have any evidence on my account that the contract was purchased - only miraculously sold ; therefore, I was never aware of this purchase not that order being filled. The Robinhood just took my money and used it without my consent. 
I am escalating this claim and asking CFPB for assistance in resolving this issue and receiving the lost funds. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
on XX/XX/year> I entered into a contract with XXXX XXXX XXXX for new roof and the representative ( XXXX XXXX ) talked me into solar panels system in addition to roof .. the project took about 6 or 7 months.. I was paying on the loan about 4 months before the solar system ever got on line.. I was told that I was going to get a {$16000.00} dollar rebate a few months after initiating the loan .. and that I could use for personal use or apply to the loan so the payments will not increase after one year .. the payments were {$440.00} p/m and after 15 months increased to {$610.00XXXX XXXX XXXX  well I never received any rebate.. The solar system has not reduced my energy bill by any noticeable amount .. and after paying on this loan, which was setup by the contractor, after 15 months of payments my principle loan amount has not gone down 1 cent... I contacted Goodleap and they tell me that's the way the loan is arranged and that the borrower pays all the interest before any principle .. and that's what I signed up for .. then they gone on to tell me that I am accruing additional interest because my payment somehow doesn't cover the interest accruing.. I requested to pay off the loan .. {$55000.00} and find out my payoff amount is {$58000.00}. Goodleap collected about {$7200.00} over the past 15 months and then tack on another {$3200.00} of so-called accrued interest.. well I paid it off to stop them from bleeding more money out of me.

Company response to consumer: Closed with explanation