vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On XX/XX/year> at XXXX XXXX  I activated my m & t debit card to my new account. At XXXX I walked to a walk up atm at m & t bank in XXXX shopping center located at XXXX XXXX XXXX. The atm used was the XXXX with XXXX cameras above it and if youre facing the branch its on the left side of the entrance door. I entered my debit card and put in my PIN number. I selected cash deposit. I t then told me to get my bills together put them in the cash depository and press continue. I did that getting together {$590.00} and putting it into the cash depository. Once I pressed continue the depository closed with the money inside, flashed like it was doing a count and made a sound and then said on the screen can not detect anything in cash depository. I then pressed more transactions went to checking to see my balance and it asked for my pin then told me the same pin I entered was incorrect and ended my transaction returning the card but no receipt of cash deposit or anything. 

I then called customer service on bank of the card and they told me there was nothing that could be done but a dispute and that I can also wait until the branch opens at XXXX am to speak to them as well. The supervisor started a dispute. And werent helpful at all. 

Before XXXX XXXX  several employees entered. I first spoke with a Caucasian male who entered around XXXX XXXX. He said i would have to wait until XXXX. I then spoke with another woman at XXXX. She said I could come in at XXXX to speak to them about the dispute. 
When I went in at XXXX the atm counter was there but they couldnt tell me when she would do the count and they also got on the phone to see what could be done and then they told me I had to wait on the dispute even though they have cameras and he atm counter person was there. None of them were empathetic to the fact that I had lost all of my paycheck money in that atm. 

After I got home I called customer service again and I was told wait on the dispute. I called again an and a lady said she would call the branch to get them to check the atm, which they refused earlier when I called. When she got back in the line she said unfortunately I had to wait in dispute and she couldnt give me a time frame if when the atm would be counted. Told her my concern was that something was wrong with the ATM and that I was scared that it would happen to other people in my money get mixed up with theirs. Then she told me to hold again and she was gon na go back and check some information. When she got back on the line, she said she was told that they do have record of my transaction and that something was wrong with the atm during that time.

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 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am filing this complaint against LVNV Funding regarding a XXXX XXXX account they are reporting/collecting on. 

This account is the result of identity theft. I was XXXX  at the time the account was allegedly opened/used, which makes it impossible for me to have been responsible for the charges. I have already submitted an Identity Theft Report and supporting documentation to LVNV Funding and the credit reporting agencies, including : Police report / XXXX  records Supporting identification documents Despite this, LVNV Funding has failed to remove the fraudulent account from my credit report and continues to attempt to collect. 

Under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ), when an account is documented as identity theft and the proper reports are provided, the furnisher and credit reporting agencies are required to block the information from appearing on the consumers credit file within 4 business days.

LVNV has failed to comply with this law and is continuing to damage my credit and cause me distress. 

I am requesting the CFPB to : 1. Compel LVNV Funding to permanently delete this fraudulent XXXX XXXX account from all credit bureaus. 
2. Stop all collection activity related to this account.

3. Provide written confirmation of deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SD

Complaint narrative:
I sent. {$100.00} to my daughter 's Cashapp. She forgot the password and they told her she had to create a new account with the same email. I was denied a refund, appealed and was denied again. They said that account doesn't exist or can't be recovered. They stole {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have previously disputed with TRANSUNION regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 non-monetary relief
Consumer complaint received 2025-09-30 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: LA

Complaint narrative:
When I reviewed my credit reports, I was frustrated to find closed accounts being misrepresented with late payments even though they are fully paid and carry a {$0.00} balance. On all three credit bureaus, XXXX is being reported as : XXXX - XXXXXXXX XXXX XXXX  - XX/XX/XXXX - Paid - Balance : {$0.00} - Past Due : {$0.00} * * This is highly misleading. The account is nearly XXXX decades old, long paid in full, and carries no balance or past due amount. Yet the credit bureaus are allowing a late payment history to remain attached to this account. Reporting a derogatory mark on a closed, zero-balance account misrepresents my credit history and artificially lowers my scores. It gives the false impression that I failed to meet obligations when in reality this account was resolved completely. 

On my XXXX  report specifically, I also found another closed account being treated the same way : XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XX/XX/XXXX - Paid - Balance : {$0.00} - Past Due : {$0.00} * * Here again, the bureau is showing a late payment tied to an account that is fully paid and closed. This is contradictory reporting. Once an account is satisfied and carries a {$0.00} balance, it can not fairly or accurately be displayed as delinquent. Leaving these notations in place paints a false and damaging picture of my creditworthiness. 

These errors are not just technicalthey have caused real harm. My scores are being suppressed by derogatories that should no longer exist, making it more difficult for me to qualify for favorable loan terms or credit approvals. Each time I have to explain why paid, closed accounts are still being misrepresented, I am placed in an unfair position and judged for mistakes that do not reflect my true financial behavior. 

Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, I am entitled to a proper reinvestigation of these items. A lawful reinvestigation requires more than automated database checks. It requires actual documentation that validates why a derogatory mark is being attached to a paid, closed, zero-balance account. If no such documentation exists, the credit bureaus are obligated to correct or remove the inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to request unauthorized credit inquiries on my EQUIFAX Credit Report. My latest credit report shows XXXX credit inquiries that I did not authorize. 

I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRIES ACCOUNT : INQUIRY ACCOUNT NAME : XXXX XXXX VIA DEALER DATE : XX/XX/year> INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/year> INQUIRY ACCOUNT NAME : XXXXXXXX XXXX XXXX DATE : XX/XX/year> Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I am filing this complaint due to identity theft that has resulted in inaccurate and fraudulent information being reported under my name in the ChexSystems database. I recently became aware of this issue when I was denied a bank account, and upon requesting a copy of my ChexSystems report, I discovered accounts and/or activity that I did not authorize or recognize.These accounts were not opened or initiated by me I have contacted ChexSystems to dispute the fraudulent information, but the issue remains unresolved. The continued presence of this inaccurate information is preventing me from accessing basic banking services and is causing financial and emotional distress.I am requesting that the CFPB investigate this matter and ensure that all fraudulent and inaccurate information is permanently removed from my ChexSystems file in accordance with the Fair Credit Reporting Act ( FCRA ). I am also requesting that the agencies involved conduct a full reinvestigation and provide written confirmation once the fraudulent data is removed.I have attached supporting documentation to verify my identity and support my claim of identity theft. Thank you for your assistance in resolving this serious 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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Subject : Demand for Full Disclosure of Method of Verification Under FCRA Section 611 ( a ) ( 7 ) To Whom It May Concern, This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Subject : Demand for Full Disclosure of Method of Verification Under FCRA Section 611 ( a ) ( 7 ) To Whom It May Concern, This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 TILA US Code 1666B 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 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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

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

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purpoy report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the repotises. I do not believe any of these permissible purposes apply to the disputed items on mon that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account name : XXXX XXXX XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} INQUIRIES : Inquiry name : XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: LAKE MICHIGAN CREDIT UNION
State: MI

Complaint narrative:
Ive had my own insurance for XXXX Months now and there insurance has been dropped off, but they still have me paying XXXX dollars instead of my original bill of XXXX for my car note I was only paying XXXX because they put there insurance on my account but its been a year and a half and everythings dropped off but XXXX still paying XXXX with a high interest so only XXXX $ is going to my car they still have yet to update this issue so for XXXX months now Ive been overpaying and there not honoring what they said they would by bringing my car note back to the original XXXX Im and XXXX and Im back in school at western Michigan university full XXXX for XXXX semester so meeting that XXXX range is almost impossible and XXXX struggling to pay it and they have not put my bill back to what it was.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Re : Urgent Request Fraudulent Information and XXXX XXXX under Section XXXX of the FCRA Account in Dispute : XXXX XXXX  Account Number : XXXX Reported Balance : {$25000.00} Account In Dispute : DEPT OF ED Account Number : XXXX Reported Balance : {$7100.00} Account In Dispute : DEPT OF ED Account Number : XXXX Reported Balance : {$3800.00} Account In Dispute : DEPT OF XXXX Account XXXX Reported Balance : {$13000.00} Account In Dispute : XXXX Account XXXX : XXXX Reported Balance : {$3000.00} Account In Dispute : XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$180.00} To Whom It May Concern, I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Additionally, I request the removal of all unauthorized inquiries related to this identity theft :

Company response to consumer: Closed with explanation