vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
I am filing this complaint due to inaccurate and unverified information reporting on my credit report by [ Creditor/Collector Name ]. This account is appearing without sufficient legal verification or documentation as required under the FCRA, FDCPA, and UCC laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing this complaint due to inaccurate and unverified information reporting on my credit report by [ Creditor/Collector Name ]. This account is appearing without sufficient legal verification or documentation as required under the FCRA, FDCPA, and UCC laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
I am attempting to resolve my mortgage through a short sale, for which I secured a qualified buyer willing to purchase my home. Despite submitting the necessary documentation and following every required step, M & T Banks Loss Mitigation department has continuously delayed, mismanaged, and obstructed the process without giving me clear answers or approvals. They have failed to process my short sale package in a reasonable timeframe, even after repeated requests for updates. 

Meanwhile, the bank continues to aggressively demand mortgage payments through collection calls, while ignoring my good-faith effort to resolve the loan responsibly via a short sale. Their delays have caused my buyer to walk away, destroying my ability to complete the transaction and putting me at greater risk of foreclosure and financial harm. 

I am requesting that M & T Bank be held accountable for stalling the short sale process, failing to communicate in good faith, and continuing collection activity while refusing to move the loss mitigation process forward in a timely and professional manner. This is unreasonable and unfair.

I ask for the Consumer Financial Protection Bureaus assistance to ensure M & T Bank cooperates, communicates, and acts responsibly to allow me to complete a short sale as an alternative to foreclosure.

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 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
CHASE CREDIT CARD DID NOT OPEN THEY SAID XXXX I ASKED WHAT DID I BUY THEY COULD NOT TELL ME

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SUNRISE CREDIT SERVICES, INC
State: MD

Complaint narrative:
I am filing this complaint due to inaccurate and unverified information reporting on my credit report by [ Creditor/Collector Name ]. This account is appearing without sufficient legal verification or documentation as required under the FCRA, FDCPA, and UCC 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 explanation
Consumer complaint received 2025-08-08 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: NY

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANS UNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANS UNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

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 2025-08-08 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 formally disputing the inaccurate and inconsistent reporting of a closed XXXX XXXX account that appears on my credit report. Each credit bureau is reporting different account numbers and amounts owed, which is materially misleading and unverifiable. Pursuant to 15 U.S.C. 1681c-2, I am requesting the immediate blocking and removal of this information as it is clearly the result of identity confusion or reporting errors. This inaccurate data is harming my creditworthiness and must be deleted under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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 formally disputing the inaccurate and inconsistent reporting of a closed XXXX XXXX account that appears on my credit report. Each credit bureau is reporting different account numbers and amounts owed, which is materially misleading and unverifiable. Pursuant to 15 U.S.C. 1681c-2, I am requesting the immediate blocking and removal of this information as it is clearly the result of identity confusion or reporting errors. This inaccurate data is harming my creditworthiness and must be deleted under the Fair Credit Reporting Act.

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 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I deposited a check for {$340000.00} into my Wells Fargo Bank business checking account. I was told by the teller that {$400.00} would be immediately available, and the remainder of the balance would be released the next day. On XX/XX/XXXX, the remainder of the balance in fact was available for my use and had cleared the issuing bank 's account. The additional funds were not " pending '' but had been fully accessible for my use. 

I began writing checks and paying bills since the MONEY WAS IN MY ACCOUNT ( not pending ). On XX/XX/XXXX, the funds were REVERSED and taken out of my account because " WE FORGOT TO HOLD THE FUNDS '' even though they were already IN MY ACCOUNT and had cleared the issuing bank. Now, on XX/XX/XXXX and XXXX, the checks and payments I have made are being returned for insufficient funds and I am incurring fees. Additionally, my business savings was DEPLETED to cover the payments I issued against the money in my account. I have additional scheduled payments which are now LATE because of WFB 's theft of my money that was already funded in my account for my use. I will continue to incur insufficient-fund fees since I have several checks that have not been cashed.

WFB has committed a crime of theft.

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 2025-08-08 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: IA

Complaint narrative:
I recently heckled my credit report and noticed multiple accounts thats not mine and are damaging to my credit history and Im unpleasantly unaware of these

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

Complaint narrative:
I recently heckled my credit report and noticed multiple accounts thats not mine and are damaging to my credit history and Im unpleasantly unaware of these

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 2025-08-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
Im not refusing to pay, but Im working with an attorney to handle my debt. Please contact XXXX XXXX XXXX. 
I have a hardship but intend to pay as soon as I can. 
Your calls are causing me extreme stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX account has a Date of First Delinquency ( DOFD ) of XX/XX/XXXX. This account appeared on my Equifax credit report as of XX/XX/XXXX, showing no derogatory activity until XXXX. Despite no contact, payments, or arrangements with the creditor since XXXX, Equifax began reporting retroactive late payments and charge-off statuses starting in XXXX. 

Between XX/XX/XXXX and XX/XX/XXXX, Equifax escalated the derogatory reporting by adding more recent late payments and changing the account status to charge-off. The reported balance is approximately {$1100.00}, which has remained consistent. 

I formally disputed these inaccuracies with Equifax, including an online dispute filed on XX/XX/XXXX, and a detailed dispute letter. Despite my requests, Equifax failed to provide any verifiable documentation to support the recent derogatory updates. Instead, they verified the information as accurate without proper investigation or evidence. 

This pattern of delayed, backdated, and escalated reporting is illegal re-aging under the Fair Credit Reporting Act ( FCRA ), specifically 605 ( c ). Equifaxs failure to correct the reporting and provide proper verification violates FCRA 607 ( b ) and 611 ( a ) and has caused unwarranted harm to my creditworthiness.

I request a full reinvestigation, removal or correction of all inaccurate and re-aged information, and written confirmation of the outcome.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
I am writing to file a formal complaint against Current Bank regarding their repeated failure to properly investigate and resolve multiple disputes on my account, which involve unauthorized and potentially fraudulent transactions. Earlier this year, my phone, wallet, and debit card were stolen. During this time, several unauthorized transactions were made using my Current account, totaling approximately {$800.00}. Because this is not my primary bank, I did not notice the activity right away. However, once I did, I promptly filed a dispute with Current. Despite the circumstances including theft of my personal property my dispute was denied. I was never asked to provide a police report or any additional documentation to support my claim, which is concerning and suggests a lack of due diligence on Currents part. More recently, an ex-business partner accessed my account and transferred over {$200.00} to herself without my authorization. I did not give her permission to move those funds, and she was not entitled to them. When I attempted to resolve the matter by requesting the funds back, my phone began glitching and, in the process, the money was unintentionally sent back and forth. Eventually, she stopped responding altogether. Again, I filed a dispute with Current, explaining the situation clearly including the technical issue and unauthorized transfer but the dispute was quickly denied without proper investigation. I am aware that under Regulation E of the Electronic Fund Transfer Act ( EFTA ), financial institutions like Current are required to conduct a thorough and timely investigation of disputes related to unauthorized electronic fund transfers. It is my belief that Current is failing to comply with this regulation, as this is not the first dispute they have denied without requesting further evidence or engaging in meaningful investigation. While I initially wanted to resolve these matters directly with the institution, Currents lack of responsiveness and disregard for consumer protection policies has left me no choice but to seek assistance from the CFPB. At this point, I am primarily seeking reimbursement for the most recent unauthorized transaction involving the {$200.00} transfer. However, I do believe I am also entitled to the recovery of the earlier disputed funds related to the theft of my phone and wallet. I respectfully request that the CFPB look into Currents handling of disputes and hold them accountable to the consumer protection standards required under federal law. Not to mention the recent dispute couldnt have been filed because I dont see it in the disputes section on my app. Please let me know if you require any documentation, timeline, or additional context to support this complaint.

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

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



List of Unauthorized Inquiries : XXXX - 2025XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal

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

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal

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 2025-08-08 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: SC

Complaint narrative:
i recently reviewed a copy of my credit report and noticed i have fraudulent activity.

Company response to consumer: Closed with non-monetary relief