vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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 writing to formally dispute XXXX or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: TN

Complaint narrative:
I am writing to formally di

spute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. Despite my efforts to resolve this matterincl
uding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/scrub>XXXX  - Bought a car with a loan. The dealership checked with multiple lenders to get the best rate possible. There are 4 credit checks on my Experian credit report from this. Per CFPB rules, auto loan rate shopping should only count as one credit check.

Summer XXXX  - Called Experian to try and look into it. They did not provide any real resolution. 
XX/XX/XXXX XXXX Called Experian again and got no help. They said per their rules that they can not follow CFPB law and can not put it as one check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. 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 enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 2025-07-28 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: VA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have a court order from a judge pertaining to the XXXX  account dismissing the matter please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have a court order from a judge pertaining to the XXXX  account dismissing the matter please see attached

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 2025-07-28 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: NC

Complaint narrative:
All Financial Institutions/Consumer reporting agencies involved and identified in this complaint including, EXPERIAN, TRANSUNION, are guilty of criminal and civil penalties for violations under the PRIVACY ACT OF 1974, for disclosing my nonpublic personal records to other agencies and financial institutions without my prior written or verbal consent. Additionally, EXPERIAN, TRANSUNION, and all other identified financial institutions/agencies are also guilty of criminal and civil penalties for violations under the GRAMM-LEACH-BLILEY ACT, for violating my privacy and disclosing my nonpublic personal private customer information to other persons. Furthermore, EXPERIAN and TRANSUNION, and other persons identified are guilty of criminal and civil penalties for violations of Aggravated Identity Theft for knowingly possessing my nonpublic personal identification in a felony violation. In addition, EXPERIAN is in violation of the Fair Credit reporting act for not notifying me in a timely manner in writing of the reinsertion of an identified fraudulent account! Unless I give prior written or verbal permission please stop sharing, disclosing, transferring, possessing, and/or violating my nonpublic personal records and privacy. SEE ALL ATTACHMENTS

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 2025-07-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company 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 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
On XX/XX/year>XXXX  while using my computer it was taken over by the scammers and indicated that there was a security breach which I was totally unaware of. On my computer it said to call XXXX which had a phone number and made the call. XXXX agent, XXXX XXXX scanned the computer and showed that there were several transaction showing that XXXX dollars were taken out of my checking account at XXXX ; XXXX to buy and sell XXXX  XXXX. I was scrutinized if it was me making the transaction. After several minutes they made a phone call XXXX  XXXX department. I spoke with a XXXX XXXX at XXXX, XXXX, XXXX and XXXX. XXXX XXXX then told me that I was scam and it was an employee at M and T XXXX  and that I could not call them or go to branch. He went on to a say a government agent, XXXX XXXX will also be involved in terms of catching the scammersand that he will be putting back the XXXX dollars back into my checking. He then said that I need to go to the bank and withdraw XXXX dollars and once the money is secured he will be recreating a new checking acct with a protected social security number. So I went to the branch with XXXX XXXX on my phone which was in my pocket. I withdrew XXXX dollars saying that i was planning to buy a property. I was instructed to buy gift cards which I did. The next day he requested that I take mooney out of my savings at XXXX. I have a filed a complaint on that situation. Complaint ID is XXXX. The bottom line i was tricked, coerced to withdraw money saying that once all of the money was secured it would be put back in my account. 
I am filing this complaint because i calledd the XXXX  Fraud dept at M and T and they told me thatthe investigation is being done at XXXX XXXX and when i called the branch they told ismbeing pending at the fraud deept.

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 2025-07-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Media Collections, Inc
State: LA

Complaint narrative:
Ive been a customer with hughesnet for XXXX  years and I had a good deal with them until after my contract was up so I called and told them I wasnt able to pay the amount that my bill went up to so they gave me the same amount as I was paying when I signed up and after that year passed my bill went up to {$170.00}. a month just for internet so again I called them and told them disconnect me theres no way I can afford that kind of money just for internet so once again they gave me a promotion but what they failed to tell me and Im sure every other customer is when they signed you up for a promotion theyre putting you in a new contract that I wouldnt never agreed to, so again I called them to disconnect me Im not interested in any kind of promotion just disconnect my service thats when I found out I was in another contract that was never mentioned to me about signing up, I think that these companies should tell their customers that once you agree to a new promotion youre also signing another contract, after being with hughesnet for years I believe that Ive XXXX for my hardware that I used, I also spoke with the XXXX and she said if I sent back all my equipment I wouldnt be responsible for the {$300.00} that they are charging me, now Im getting a letter from the debit collection agency which Ive spoken to and let them know that XXXX told me if I sent my equipment back that I was not responsible for the bill, they would disregard anything I owed, they lied

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2025-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Coast to Coast Financial Solutions, Inc.
State: GA

Complaint narrative:
In XXXX of XXXX  I stayed with my daughter in XXXX Oregon where I remained until XXXX of this year. I had not renewed the payment to XXXX XXXX because I did not require their services during this time. Upon arriving home I called the company XXXX XXXX XXXX XXXX ) and advised I did not need their services since XXXX of XXXX  and going forward I would not need their services since I would be returning to XXXX Oregon to stay with my daughter. 
Upon returning to my home in XXXX XXXX was surprised to find that I had been forwarded to a collection agency. XXXX XXXX XXXX XXXX and I dont believe this has ever happened to me before. I dont think it is fair to charge someone for services not received.and Im very surprised that not paying the annual fee for a service does not bear witness to the obvious conclusion that the customer has decided not to continue that service. The woman I spoke to regarding the collection stated that the only way someone could possibly cancel this service is by a submitting a certified letter requesting cancellation. I have never heard of a situation where the only way to cancel something was by certified letter. Thats the essence of my dispute

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 2025-07-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: NY

Complaint narrative:
The loans held by Sallie Mae are for my son who is still in XXXX. He wanted to submit a payment to the principal while his loans are still in deferment. There is not option on the lender 's site for this so I called their customer service line on XX/XX/XXXX. I spoke with XXXX ( ID # XXXX ) and was told that a principal payment can not be made. I asked to speak with a supervisor and had to wait for a call back. On XX/XX/XXXX, I received a call back from XXXX ( ID # XXXX ) who told me that principal payments are not accepted. Even when the loans move to repayment status, any dollars sent above the required payment willl go toward interest. Principal can not be paid until ALL interest is paid. Meaning all interest accrued to this point. In the meantime, if principal can not be paid, they continue adding newly accrued interest and there is no way to ever reduce the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of the information being reported for the following account on my credit report : Creditor : XXXX  Account Number ( Partial ) : XXXX Status : Closed / Charged Off / Balance {$0.00} Date Opened : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Comment : Purchased by another lender Identified Concerns with the Account Reporting : Account Status : It's marked Closed with a {$0.00} balance yet shows a charge-off of {$110.00}. If the balance is {$0.00}, there should be no active charge-off status unless the debt was sold ( which it was ), and the current creditor should be reporting it, not XXXX. 

Purchased by Another Lender ( but not Named ) : The comment says it was purchased by another lender, but no new creditor is listed. The FCRA ( 609 ( a ) ( 1 ) ) requires full and accurate information, including who now owns the debt. This is incomplete reporting.

Continued Derogatory Reporting After Charge-Off : The timeline shows that the account went delinquent in XX/XX/XXXX and was charged off by XX/XX/XXXX. However, it's still showing recent updates, which may suggest an unauthorized re-aging a tactic used to prolong the negative impact on your report, and illegal under 605 ( c ). 

Previous Dispute Was Not Fully Corrected : A reinvestigation was processed in XX/XX/XXXX, but based on whats presented, the status was not corrected, and no documentation appears to support the charge-off after the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
When recently applying for credit, I was told that there was a freeze or block on my Equifax report. I called Equifax and they instructed me to send proof of identity to them, which I did. When ai called them back to get status of the lift, I was told that I have XXXX credit history data showing in their system. Basically they lost all of my credit history. I asked them how they can fix it, and they could not provide a solution. I am now stuck and unable to move forward with my attempt to obtain credit with my bank because they only use Equifax. I pulled my annual credit report and the other 2 credit bureaus show my credit history just fine. Its only Equifax that has lost my credit data? How can this be fixed?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts and inquiries appeared on my credit report. I did not authorize or open any of these accounts or inquiries, they do not belong to me and are the result of fraud. 

Also, my accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported.

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 2025-07-28 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: GA

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts and inquiries appeared on my credit report. I did not authorize or open any of these accounts or inquiries, they do not belong to me and are the result of fraud. 

Also, my accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported.

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