vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 TILA US Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint against XXXX Bank for furnishing inaccurate and inconsistent information to the credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

The same Target/TD account is reported differently across all three credit bureaus : TransUnion : XXXX, {$540.00} balance, 120 days late, not disputed. 

Experian : Closed, charged off, {$590.00} balance, not disputed. 

Equifax : XXXX, disputed, {$540.00} balance. 

These contradictions violate FCRA 1681e ( b ) ( accuracy requirement ), 1681s-2 ( a ) ( furnisher accuracy ), and 1681i ( reinvestigation ). Equifax shows an active dispute, yet TransUnion and Experian do not violating FDCPA 807 ( 8 ) and FCRA 623 ( b ), which require furnishers to report disputed accounts consistently to all CRAs.

This inaccurate and conflicting reporting has negatively impacted my credit profile. I am requesting that the CFPB investigate Target/TD Banks reporting practices, require deletion or correction of unverifiable data, and ensure compliance with the FCRA and FDCPA.

Requested Resolution : Deletion of the inaccurate information from all CRAs.

Confirmation of dispute handling procedures and reinvestigation results.

Corrective compliance action against Target/TD if violations are confirmed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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 am filing this complaint against XXXX Bank for furnishing inaccurate and inconsistent information to the credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

The same XXXX  account is reported differently across all three credit bureaus : XXXX XXXX XXXX, {$540.00} balance, XXXX XXXX late, not disputed. 

Experian : Closed, charged off, {$590.00} balance, not disputed. 

Equifax : XXXX, disputed, {$540.00} balance. 

These contradictions violate FCRA 1681e ( b ) ( accuracy requirement ), 1681s-2 ( a ) ( furnisher accuracy ), and 1681i ( reinvestigation ). Equifax shows an active dispute, yet TransUnion and Experian do not violating FDCPA 807 ( 8 ) and FCRA 623 ( b ), which require furnishers to report disputed accounts consistently to all CRAs. 

This inaccurate and conflicting reporting has negatively impacted my credit profile. I am requesting that the CFPB investigate XXXX  Banks reporting practices, require deletion or correction of unverifiable data, and ensure compliance with the FCRA and FDCPA. 

Requested Resolution : Deletion of the inaccurate information from all CRAs. 

Confirmation of dispute handling procedures and reinvestigation results. 

Corrective compliance action against XXXX if violations are confirmed.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for illegally and inaccurately reporting a XXXX XXXX XXXX auto loan ( account ending in XXXX ) as a charge-off. I am demanding the immediate and permanent deletion of this account from all three credit reports. 

This tradeline is completely false, unverifiable, and damaging to my credit reputation. None of the credit bureaus have produced verifiable evidence proving that this account belongs to me. Continuing to report it violates multiple sections of the Fair Credit Reporting Act ( FCRA ). 

The bureaus are in violation of 15 U.S.C. 1681e ( b ), which requires them to follow reasonable procedures to assure maximum possible accuracy. Relying on the furnishers word without documentation or independent verification is not compliance. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court ruled that credit reporting agencies can not rely blindly on furnishers when a consumer disputes the accuracy of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for illegally and inaccurately reporting a XXXX XXXX XXXX auto loan ( account ending in XXXX ) as a charge-off. I am demanding the immediate and permanent deletion of this account from all three credit reports. 

This tradeline is completely false, unverifiable, and damaging to my credit reputation. None of the credit bureaus have produced verifiable evidence proving that this account belongs to me. Continuing to report it violates multiple sections of the Fair Credit Reporting Act ( FCRA ). 

The bureaus are in violation of 15 U.S.C. 1681e ( b ), which requires them to follow reasonable procedures to assure maximum possible accuracy. Relying on the furnishers word without documentation or independent verification is not compliance. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court ruled that credit reporting agencies can not rely blindly on furnishers when a consumer disputes the accuracy of 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 2025-10-08 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX. Prosperity Bank which used to be XXXX XXXX XXXXXXXX XXXX in XXXX XXXX Texas XXXX FM XXXX XXXX XXXX, TX, phone number XXXX, XXXX, XXXX, can not Find my Beneficiary Benifits that went into my XXXX Prosperity Bank which used to be XXXX XXXX XXXX Bank can not find my XXXX. Prosperity Bank which used to be XXXX XXXX XXXX Bank can not find my Life Insurance Policy. Prosperity Bank which used to be XXXX XXXX XXXX Bank can not find my XXXX. Prosperity Bank which used to be XXXX XXXX XXXXXXXX XXXX  can not find my Bank Account. Prosperity Bank which used to be XXXX XXXX XXXXXXXX XXXX can not find my XXXX. Prosperity Bank which used to be XXXX XXXX XXXX Bank can not find My Inheritance. They have stole, or in the process of stealing everything I have. Prosperity Bank which used to be XXXX XXXX XXXX XXXX says they have none of this on file. My brother, and sister already went and picked up there XXXX money that went into there XXXX, and there Inheritance. Prosperity Bank which used to be XXXX XXXX XXXXXXXX XXXX in XXXX XXXXXXXX XXXX is stealing or stole my Bank Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO

Complaint narrative:
On XX/XX/year>, I was notified that I had been added to the XXXX MATCH ( Terminated Merchant File ) list. I contacted XXXX directly, and on XX/XX/year>, they confirmed by email that Citizens Bank , N.A. was the acquiring bank that filed the listing into their system on XX/XX/year>, under Reason XXXX XXXX  XXXX advised me to contact Citizens Bank for removal if I believed this was an erroneous entry which it clearly is. 

I have never had any account or business relationship with Citizens Bank. Beginning in mid-XXXX 2025, I contacted their merchant services and risk departments multiple times by phone. After several failed attempts to reach a live representative, I was advised by Citizens Banks chat support to press certain numbers to bypass the automated voice prompts which gives you limited access to speak with anyone if you are a non customer. 

I eventually spoke with a representative named XXXX, who collected my information. 

I explained that I had never had any account or business relationship with Citizens Bank. After placing me on hold several times for more than half an hour while he investigated, XXXX said he could not locate anything but forwarded it to the proper department. 

He provided me with Case XXXX XXXXXXXX and a follow up phone number, and promised a written response within a couple of weeks after review. 

Today, 20 days later, when I called to follow up using my case number, I was told that they could not locate any record or documentation under my name or business, meaning no investigation was ever in progress. 

Citizens Bank has still not provided any records or explanation, despite XXXX verifying them as the filer of this MATCH listing.

This false listing has completely blocked me from accepting payments and has caused severe harm to my business. 

Since Citizens Bank has confirmed that no record exists linking me to their institution, I am requesting that regulators ensure Citizens Bank provides full documentation of this MATCH filing and confirms in writing that the listing has been removed from Mastercards system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
They call everyday leaving multiple messages. They're also calling my family members multiple times a day. Her name is XXXX. Her number is 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 2025-10-08 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX Date : XX/XX/year>

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 2025-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Debt Validation Request Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam : This letter is a formal response to your contact concerning a debt you are attempting to collect. You contacted me on XX/XX/year>, via Phone about the alleged debt for the medical services.

I am writing to dispute this debt. I request that you provide verification of this debt pursuant to Section 809 ( b ) of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Please provide the following information and documentation to verify this debt : The name and address of the original creditor to whom the alleged debt is owed.

The amount of the alleged debt, the date it became delinquent, and the date it was transferred to your agency.

A copy of the original contract or other agreement that bears my signature.

An itemized list of alleged interest, fees, and other charges.

The date of the last payment made on this account.

Any judgment obtained by a creditor regarding this account.

If you can not provide the requested information within 30 days of the date you receive this letter, you must cease all collection activities and report this debt to the credit bureaus as disputed. Please also provide confirmation that you have removed this dispute from my credit report and provide me with a corrected credit report. 

Sincerely, 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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am submitting this complaint regarding inaccurate and harmful credit reporting by XXXX XXXX on my federal student loans. 

Between XX/XX/year> and XX/XX/year>, XXXX reported my account as late. However, I was granted an Economic Hardship Deferment on XX/XX/year>. During my communication with XXXX, I was specifically advised that these late reports would be corrected and removed from my credit history once the deferment was approved. Despite this assurance, the negative reporting remains on my credit report. 

This reporting is inaccurate and has caused direct harm. I am a full-time medical student at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and due to these erroneous late payments, I was recently denied private educational financing. This denial jeopardizes my ability to continue pursuing my medical education and lifelong dream of becoming a physician. 

I am requesting that the CFPB require XXXX to : Remove the inaccurate late payment reporting from XX/XX/year> through XX/XX/year>. 

Correct my credit file with all major credit reporting agencies. 

Ensure compliance with the Fair Credit Reporting Act by providing accurate information to consumer reporting agencies. 

I have acted in good faith, maintained communication with my servicer, and relied on their assurances that these late marks would be removed. I respectfully ask for your assistance in resolving this matter so that my credit report reflects the accurate status of my account. 

Thank you for your attention to this issue.

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 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Issue : Equifax has failed to conduct a reasonable investigation under the Fair Credit Reporting Act ( FCRA ). 

Details : I disputed a XXXX collection account on my Equifax credit report that does not belong to me. I have never had an account with XXXX and there is no contract or agreement bearing my signature. 

Equifax initially placed my dispute on hold pending ID verification, which I provided. Despite this, Equifax informed me they verified the account as mine based only on XXXX word, without providing documentation or evidence. 

On XX/XX/year>, I spoke with Equifax representative XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), who reopened my dispute ( Confirmation XXXX XXXXXXXX ) and updated my address ( Confirmation XXXX XXXX ). I formally requested the Method of Verification, but Equifax has not yet provided it.

Requested Resolution : 1. Removal of the inaccurate XXXX collection account from my Equifax credit report. 


2. Equifax to provide the required Method of Verification detailing what evidence was used to claim this debt belongs to me. 


3. Assurance that Equifax complies with the FCRA in future investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: PA

Complaint narrative:
I am disputing the reporting of unauthorized and inaccurate accounts on my credit file. I never opened or authorized these accounts, nor was I notified when they were added. The information reported is inconsistent across all three credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) that requires maximum possible accuracy.

This also violates 15 U.S.C. 1681i, which requires disputed information to be investigated and either corrected or deleted within 30 days, and 15 U.S.C. 1681g, which requires full and accurate disclosure of my credit file.

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 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB is a debt collector. They are falsely reporting on my credit!! Account number is XXXX NCB- is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: NC

Complaint narrative:
I am disputing the reporting of unauthorized and inaccurate accounts on my credit file. I never opened or authorized these accounts, nor was I notified when they were added. The information reported is inconsistent across all three credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) that requires maximum possible accuracy.

This also violates 15 U.S.C. 1681i, which requires disputed information to be investigated and either corrected or deleted within 30 days, and 15 U.S.C. 1681g, which requires full and accurate disclosure of my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: IL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT 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

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 2025-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-08 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: CA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief