vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am submitting this statement to share my experience with XXXX XXXX XXXX, care of XXXX XXXX XXXX, and the major credit reporting agencies. I hope my story helps other consumers who may be facing similar difficulties with inaccurate credit reporting and the frustration of trying to correct it. 

For XXXX consecutive years, I discovered that XXXX XXXX XXXX was reporting an account on my credit report in the amount of {$730.00} with a false reporting date opened as XX/XX/XXXX. Additionally, XXXX XXXX XXXX, reported a second account in the amount of {$1700.00}, with a false open date of XX/XX/XXXX. I immediately disputed this information with all three major credit bureaus ( XXXX XXXX XXXX XXXX ), explaining that the account was inaccurate and did not belong to me. 

Despite following the correct dispute process under the Fair Credit Reporting Act ( FCRA ), the credit bureaus and XXXX XXXX XXXX have continued to report the same inaccurate information. Each time I disputed the account, I received a generic response stating that the debt had been verified, yet no proof or documentation supporting that verification was ever provided to me. 

This repeated failure to correct inaccurate reporting has caused me financial and emotional harm. Specifically, it has : Prevented me from obtaining extended credit opportunities, Hindered my ability to qualify for a home loan, and Made it difficult to purchase a vehicle due to the negative and false information on my credit file. 

The continued reporting of false information is not only a violation of 15 U.S.C. 1681g of the Fair Credit Reporting Act but also constitutes defamation of character. Consumers have the right to accurate information being furnished to credit agencies, and companies that report and verify false data must be held accountable. 

XX/XX/XXXX Disputed XX/XX/XXXX Disputed XX/XX/XXXX Disputed XX/XX/XXXX Disputed XX/XX/XXXX Disputed request for contract with signatures XX/XX/XXXX Disputed requested proof of ownership Why Im Sharing My Story Im sharing my experience so others understand how difficult it can be to correct inaccurate information even when you follow the proper channels. Consumers trust credit reporting systems to be accurate and fair, but when companies repeatedly fail to investigate disputes properly, it undermines public confidence and harms innocent people. 

I hope this complaint encourages stronger enforcement of consumer protection laws and prompts change in how credit disputes are investigated and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
I am filing a formal dispute regarding incorrect information on my credit report provided by TransUnion Consumer Solutions. My credit report contains Unsecured Loan for the account XXXX CU with account number XXXX, which do not accurately reflect my payment history. 
Issue Details : XXXX. Reporting Errors : o According to my records, all payments for this account were made on time and as agreed. 
o However, the incorrect late payment notations have lowered my credit score, limiting my ability to obtain fair financial terms. 
XXXX. Violations of Applicable Laws : XXXX Fair Credit Reporting Act ( FCRA ) : Under XXXX U.S.C. XXXX & XXXX, credit reports must be accurate and complete. I disputed this error, but no correction has been made. 
o Truth in Lending Act ( TILA ) : Under XXXX U.S.C. XXXX ( b ), creditors must provide accurate and timely billing statements. This reporting error violates that requirement. 
o Fair Credit Billing Act ( FCBA ) : Under XXXX U.S.C. XXXX ( b ), creditors must send billing statements at least 21 days before the due date. This was not done, contributing to the inaccurate reporting. 
o Protection Against Non-Payment of Obligations Act ( PAANL ) : Late payment reporting due to administrative or communication errors violates the act and must be corrected. 
XXXX. Previous Attempts to Resolve : o I have disputed this directly with TransUnion Consumer Solutions, sending multiple letters requesting a correction. 
o XXXX date, no effective action has been taken to correct these errors. 
XXXX. Federal Trade Commission ( FTC ) Involvement : o Given the lack of response, I have also filed a complaint with the FTC on XX/XX/year> under complaint number XXXX, requesting their intervention in this matter. 
o The failure to properly investigate and correct my dispute violates federal consumer protection laws.

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 2025-11-07 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-11-07 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: LA

Complaint narrative:
I am disputing the following items on my credit report with Equifax. These accounts have been inaccurately reported as charged off, and I request that they be corrected or removed if they can not be verified. 

CHARGED OFF : XXXXXXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/year> Balance : {$10000.00} LATE PAYMENTS : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: GA

Complaint narrative:
I am writing to formally dispute the following accounts listed on my Equifax credit report. I believe the information provided may be inaccurate, incomplete, or unverifiable. Under the Fair Credit Reporting Act ( FCRA ) and my right to dispute information on my credit report, I request the following accounts be investigated and corrected if they can not be properly verified. 

XXXX Account XXXX : XXXX Date Reported : XX/XX/XXXX Balance : {$9800.00} I dispute the accuracy of this account. The reported balance and other details do not match my records. I respectfully request that this account be verified or removed if the information can not be substantiated. 

XXXX XXXX XXXX. 

Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$4500.00} I dispute the reported balance and account status. I request an investigation to ensure that the details are accurately reflected. If the data can not be verified, I ask that it be removed from my credit report. 

XXXXXXXX XXXX XXXX 

Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding the mishandling of my late grandmothers account and the inadequate assistance I have received from your [ branch name ] branch. 

My grandmother, XXXX XXXX, passed away on XX/XX/year>. Her account with M & T Bank was closed following her death, and the remaining balance was issued by check. Unfortunately, M & T mailed that check to her old address, despite the estate providing notice of her death and updated information. 

The check was never cashed, yet the branch has repeatedly told me that theres nothing they can do. I have spoken to multiple representatives and even the branch manager, but no one has been able to escalate or resolve the situation properly. 

This has caused unnecessary stress and delay in the proper settlement of my grandmothers estate. I am requesting immediate intervention by M & Ts corporate estate or deposit operations team to place stop from first check mailing to grandmother house and reissue another check.

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 monetary relief
Consumer complaint received 2025-11-07 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: Block, Inc.
State: NY

Complaint narrative:
I have a Cash App card and have made transactions and loads then my card stopped working

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: MN

Complaint narrative:
I am filing this complaint because [ XXXX  / Equifax XXXX XXXX  ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX confirmed all objectively verifiable inaccuracies must be corrected ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX held no entity is immune from FCRA liability ; and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from Equifax. I previously submitted a written dispute on XX/XX/2025 ( attached ), which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over XXXX weeks, and I have received no response or resolution from the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
I am disputing the following items on my Experian credit report. These accounts have been inaccurately reported, and I am requesting verification. If they can not be verified, I ask that they be removed as required by the Fair Credit Reporting Act ( FCRA ). The details are as follows : Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-07 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: AL

Complaint narrative:
I am filing this dispute regarding the following accounts on my Equifax credit report that I believe to be inaccurate, incomplete, or unverifiable under the FCRA. I respectfully request a thorough investigation and correction of any discrepancies. 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN

Complaint narrative:
Date : XX/XX/year> Select Portfolio Servicing , Inc . 
Attn : Loss Mitigation / Appeals Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : FORMAL APPEAL OF LOAN MODIFICATION DENIAL Loan Number : To Whom It May Concern : I am submitting this as a formal written appeal under * * RESPA Regulation X, 12 CFR 1024.35 and 1024.41 * * regarding the recent denial of my completed Trial Period Plan ( TPP ). 
The denial reason listed was : * * Loan is current/ not eligible for modification. * * This determination is * * incorrect * * and must be reviewed. 
I completed * * all Trial Period Plan payments in full and on time * *. Under standard mortgage servicing guidelines and modification program rules, trial payments do * * not * * bring the loan current, nor do they eliminate arrears. The arrears existed * * before * * the trial began, and SPS had already confirmed eligibility prior to offering the TPP. Therefore, SPS may not legally deny the permanent modification based on a pre-existing condition that was already evaluated.

I am requesting the following : 1. * * Immediate appeal review by a different decision-maker * *, as required under Regulation X. 
2. A complete * * written explanation of the denial * *, including underwriting worksheets and all data used in determining the decision.

3. A full * * payment application and suspense account history * *, showing how trial payments were held and applied.

4. * * Suspension of all foreclosure activity * * while this appeal is under review, pursuant to * * 12 CFR 1024.41 ( g ) * *.

This appeal is being submitted in writing and is therefore an official * * Notice of Error and Request for Review * *. 
Please confirm receipt of this appeal in writing and advise of the review timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
I am writing to formally dispute certain inaccurate information appearing on my credit report. I respectfully request that the items listed below be fully investigated, verified, and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). If any of the information can not be verified or accurately reported, I request the immediate removal of the item ( s ) from my credit report. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX/XXXX/XXXX Balance : Unsecured loan XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$680.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$680.00} XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$15.00} XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : Not specified Inquiries : XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : $ XXXX {$1700.00} Late Payments : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX Account Number : 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 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I require the purchase agreement with signatures. to prove that spring oaks has the right to pursue this debt until then I require the item be removed from my credit report until proof is presented

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
I respectfully request your assistance in removing these accounts, as they were neither opened nor authorized by me. They appear fraudulent, and I have enclosed documentation for your review.

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 2025-11-07 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: NJ

Complaint narrative:
I am a consumer who is trying to fix my credit, and I am submitting this complaint regarding inaccurate reporting by the credit bureaus. I have identified accounts that I believe are being reported incorrectly and need correction. 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief