vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capital Accounts, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX Date : XX/XX/year> To : XXXX  XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Capitol One, I am writing to formally dispute and demand the immediate correction or removal of inaccurate information on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

The following item ( s ) are being reported inaccurately : [ Creditor/Account Name Account Number ] This reporting violates the FCRA in several ways : 1. 1681s-2 ( a ) Information furnishers may not report data they know or should know is inaccurate.

2. 1681i ( a ) Credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days.

3. 1681i ( a ) ( 5 ) Deleted or unverifiable information can not be reinserted without proper certification and notice to the consumer.

4. 1681c Outdated adverse information ( generally more than 7 years old, or 10 years for bankruptcies ) can not be reported.

5. 1681b My credit report may not be accessed without a permissible purpose.

This account is being reported in violation of my rights under the FCRA. I request that you : Immediately delete or correct the disputed information.

Provide me with written verification of your investigation results within 30 days as required by law.

Failure to comply with the FCRA will leave me no choice but to pursue further remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal action for damages under 1681n and 1681o.

Please consider this my official notice to cease the reporting of inaccurate information. I expect full compliance within the timelines mandated by federal law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
This is regarding XXXX XXXX 

On XX/XX/scrub> 2025, I received text alerts about fraudulent activity on both of my checking accounts I have with XXXX XXXX  I contacted the fraud department and notified them that the purchases on my accounts were indeed fraudulent. They notified me that the transactions occurred from XXXX, NY. The same day, my XXXX XXXX  was compromised for the same exact charges and amounts as the XXXX accounts. I explained my data appears to have been compromised, as I had all my ATM and credit cards in my possession. They understood and shut down the two ATM cards for me and said they would put in an order, while I was on the line, for 2 replacement cards that I should received in approximately 10 business days or so. After completing the call, I destroyed via personal shredder the ATM cards and the XXXXXXXX XXXX XXXX 

Within a week, I receive my replacement XXXX XXXX  in the mail ( I called the same exact day as XXXX ). I waited a few more days, and on XX/XX/scrub> 2025, I called XXXX again, this time to inquire where the replacement cards were. After review, the customer service representative apologized and said there appears to have been an error in ordering the two new cards and the prior rep ordered the wrong service/item ( it was not specified what exactly was incorrectly ordered ). However, the rep assured me that two new cards were ordered by her correctly and I should receive within 10 business days. 

Tonight, XX/XX/scrub>, 2025, I get another text alert about fraudulent activity on my XXXX ATM card being used at a XXXX XXXX XXXXXXXX ATM. I rush to review my online account and not only was this ATM card used, the second ATM card was used as well in XXXX XXXX on XX/XX/year>2025 but just posted to my account today. 

I call XXXX again and explain that something is not right because I still have not received either of the replacement cards. She said the 2 ATM cards were activated at ATM machines. I asked how is that possible? She explained that whomever is carrying out the fraudulent activity somehow accessed the 2 separate mailings that contained instructions and the pins to activate the cards, which is sent out prior to the cards. Then, they obtained access of the mail containing the 2 cards. I asked, that means 4 separate articles of my mail/information were compromised because I received none of them? She said yes. I requested to notate on my account to not send replacements until I specify further. 

I was then told the fraud department opens at XXXX tomorrow, I will have to call back and file a dispute. I can not wrap my head around how 4 pieces of separate mail were somehow seeked out by someone to conduct this fraudulent activity.

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 2025-08-28 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX2025 I called M & T Bank because i was unable to use my debit card. When I called to report, I was informed that there is a freeze on my account by XXXX XXXX XXXX. I asked to speak with a supervisor and she told me there is a hold because of XXXX XXXX XXXX XXXX XXXX XXXX. I told my bank in advance that I was traveling. This all occurred when I was in XXXX and the bank knew that I was not going to be back until the XXXX of XXXX. They advised me to reach out to XXXX XXXX for help. However, when I reached out to XXXX XXXX, they said they can only offer assistance if my bank authorizes. When the request was put in, M & T did not approve it. I had a friend of mine pick up my mail, and I received a notice from XXXX XXXX XXXX XXXX that my case had been dismissed. I submitted a copy of the Order of Dismissal on XX/XX/XXXX2025. When I returned from XXXX, I called the Legal Documents Department  on XX/XX/XXXX to ask them what additional information they needed. They said that i needed an official document of the Order of Dismissal. I received the document, submitted it and called the bank to see what they needed. They said that they received the document, and my account should be lifted in 24 hours. I called the next day to see the status of y release on XX/XX/XXXX. They then told me that I needed a letter from the Supreme Court of XXXX XXXX of a release.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Consumer Financial Protection Bureau Re : Formal Complaint on Bank of America Account Ending in XXXX ( Fraudulent Charges ) To Whom It May Concern, I am submitting this formal complaint through the Consumer Financial Protection Bureau regarding fraudulent charges on my Bank of America account ending in XXXX. 

I repeat : these charges are fraudulent. The account belongs to me ; however, my card was stolen and used without my authorization or approval. Unauthorized transactions totaling {$460.00} were made, and I am demanding that these charges be removed immediately.

To support my claim, I am providing the following documentation : Federal Trade Commission Identity Theft Report Official Police Report Both reports confirm that these transactions were made fraudulently without my knowledge or consent. 

Bank of America has an obligation under the Electronic Fund Transfer Act ( EFTA ) and Regulation E to investigate and resolve this matter promptly. Failure to remove these unauthorized charges is a violation of my consumer protection rights.

I am requesting immediate removal of the fraudulent charges and full restoration of the affected funds to my account. Please confirm receipt of this dispute and advise me in writing of the corrective actions taken.

Thank you for your prompt attention to this matter.

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 2025-08-28 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: PA

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$410.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9900.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4500.00} XXXXXXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$57.00} XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX  XXXX Bankruptcy Dismissed XXXX Bankruptcy XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-08-28 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: OH

Complaint narrative:
XX/XX/XXXX These items reporting on my credit report is also past the 7 year statue of reporting and thus needs to be removed. 

None of the illegal accounts/INQUIRIES below is tied to any of my addresses, they were all illegally opened. By FTC and FCRA these ACCOUNTS MUST BE REMOVED WITHIN 30 DAYS OF RECEIPT OF NOTICE Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX  . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX  report. 


Remove all negative fraudulent items not associated with me! 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX  stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX Conserve  Date Opened XX/XX/XXXX Balance {$7600.00} * * Inquiries * * XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: LA

Complaint narrative:
There are accounts being reported under my name without my knowledge, consent, or authorization. I have never opened, authorized, or managed these accounts, and their presence is both inaccurate and misleading. This false reporting is unacceptable and is causing serious harm to my credit profile.

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 2025-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
Aidvantage will not help me defer or lower my payments. I have tried to contact them by email multiple times and my emails bounced back even though its the ( predatory ) companys direct customer service email. I have tried chatting with them on numerous occasions and been given useless information and then quickly had the chat closed like I was burdening them by actually have them do their job. Every time I to call I either can get through or am put on hold and they never pick up. I can not afford to pay {$500.00} a month, that is a beyond ridiculously high among. They are trying to take so much money from me that I will not be able to afford rent. This is on top of the fact that the are basically just straight up steal {$17000.00} from me. I only bored {$29000.00} and my balance is $ XXXX. Sorry but that is straight up theft and robbery. They are being allowed to legally steal that much from me, seriously!!! There should be protections against this and this who profit from it should be in jail for stealing. This company is absolutely criminal. How can they be allowed to do this to people. The level of greed and corruption is unmatched. This is unacceptable. Like I said my original balance need to be restored, they should not under any circumstances be allowed to steal that much money from me or anyone else. This is beyond criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: LA

Complaint narrative:
There are accounts being reported under my name without my knowledge, consent, or authorization. I have never opened, authorized, or managed these accounts, and their presence is both inaccurate and misleading. This false reporting is unacceptable and is causing serious harm to my credit profile.

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 2025-08-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: IL

Complaint narrative:
I sent my son XXXX on accident I clicked the wrong account I called cash app and they said to click request refund I did then I get told to make him another account so they can get access to this old account so I did then they tell me that they cant get access to it to call back later. This is the 2 nd time I have dealt with this. My sons father sent him XXXX and clicked this account and they said make him a new account. I just want my refund I dont want to keep making new accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
I am disputing the 30-day late payments reported on my mortgage account ending in XXXX. I have never been late on a mortgage payment. In this case, fraudulent activity on my bank account caused my attempted payments to be returned. I submitted my mortgage payments on time, but due to the fraud investigation and account disruption, the payments were reversed through no fault of my own. 

Despite my history of timely payments, my account was incorrectly reported as 30 days past due. Once the fraud was identified, I immediately corrected the issue and ensured my mortgage account was current. 

These late payment notations are inaccurate, harmful to my credit profile, and do not reflect my actual payment history. I am requesting that all 30-day late marks tied to this fraud-related situation be removed from my credit report and that my mortgage payment history be updated to accurately reflect my record of on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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:
Please remove this false and unrecognized account from my credit report, as it is not associated with 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 2025-08-28 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the Equifax Data Breach and as a result someone opened up several fraudulent accounts in my name. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the report. According to FCRA XXXX B this information must be blocked within 4 days. Equifax has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc.
State: IL

Complaint narrative:
I am filing this complaint because Avant/XXXX has been reporting my account inaccurately and inconsistently, and their response to my first CFPB complaint made the situation worse.

1. Conflicting Reporting The account was originally reported as closed/charged off in XXXX 
Despite this, my credit report showed active payments being reported after the charge-off date, which is not possible. Once an account is charged off, there should be no further payment history. 
After I reported this to the CFPB, Avant then changed the status to open even though the account has been closed and charged off since 2019. 
Following that, the payment history changed multiple times : first showing on-time payments, then switched to late payments ( all after the charge-off ). 

This means the same account has now been reported in at least three contradictory ways : 1. Closed/charged off with active payments, 2. Open with on-time payments after charge-off, 3. Open with late payments after charge-off.

2. Why This Is a Violation An account can not be both closed/charged off and open with payments. 
Reporting payment activity after charge-off is false, misleading, and damaging to my credit. 
The shifting history shows the information is not consistent or reliable, which makes it unverifiable under the Fair Credit Reporting Act ( FCRA ). 
Instead of correcting the errors, Avant made the reporting worse after I complained, which feels retaliatory and unfair. 

3. Predatory Loan Terms Avants response relied on XXXX Utah charter to justify a nearly 50 % APR loan. 
While that loophole may have allowed the rate years ago, loans like this are now illegal under Illinois law ( which caps APR at 36 % ).

Avant has already been investigated and settled cases with regulators, including the FTC and state Attorneys General, for unfair and deceptive practices. 
This background shows a pattern of abusive lending practices, and it undercuts their claim that everything was proper. 

Supporting documentation is from XXXX XXXX XXXX

Company response to consumer: Closed with explanation