vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST PORTFOLIO SERVICING INC
State: CO

Complaint narrative:
I have multiple fraudulent charges on my credit card. I called to dispute them. They sent me an email I have to fill out and said the dispute on the charges will be done in XXXX days. In the meantime they said I still need to make a payment on the fraudulent charges or I will incur a late fee. Paying for something I did not purchase.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing how XXXX XXXX XXXX is reporting my closed auto loan. 

I had an auto loan with XXXX XXXX ( XXXX XXXX XXXX ) opened in XX/XX/XXXX. In XXXX my vehicle was declared a total loss. My insurance company paid the remaining loan balance in full on XX/XX/XXXX. After that payment there was no past-due amount and no charge-off. The account should report as paid in full, closed, with on-time payments. 

However, Equifax and TransUnion have repeatedly shown this account with derogatory remarks such as charge-off, paid profit and loss, or payment after charge-off/collection. I filed disputes with both bureaus multiple times. At XXXX point the tradeline was corrected, but then the same negative remarks were reinserted again. Experian currently shows the account correctly as Paid, Closed/Never late, which confirms how it should report. 

I contacted XXXX XXXX and asked them to correct their reporting to all credit bureaus and to provide their method of verification. They only directed me to send a letter to a XXXX XXXX and did not resolve the issue or explain why they are furnishing charge-off language on an insurance-paid total loss. 

These inaccurate and reappearing derogatory remarks have significantly lowered my credit scores and affected my ability to obtain credit on normal terms. 

I am requesting that XXXX XXXX be required to : XXXX. Correct the tradeline with all credit bureaus to Paid, Closed, Never late ; XXXX. Remove all charge-off/P & L/collection/derogatory notations for this account ; XXXX. Provide proper verification and ensure this incorrect information is not reinserted again.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. 
These errors are really weighing on me and are continuing to affect me negatively in ways you can not begin to imagine. 
These are trying times, and it would be a great help to mea blessing, I must sayif these inaccuracies get corrected and/or removed. 
I want to make it absolutely clear that this complaint is not being submitted in error. 
My credit report contains inaccurate information that fails to meet the standard of maximum possible accuracy as required. 
These reporting errors are having a significant and ongoing negative impact on my financial stability and personal well-being. 
This situation is placing an undue burden on me during an already difficult 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 explanation
Consumer complaint received 2025-11-10 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:
I am disputing the following accounts as they are inaccurately reported or contain erroneous information. Please review these accounts and take corrective action in accordance with FCRA guidelines. 

CHARGED OFF XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1300.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1000.00} XXXX  XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1800.00} Inquiries XXXX  [ No Inquiries listed ] XXXX  XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX TransUnion XXXX  Date : XX/XX/XXXX Positive Accounts [ No positive accounts listed ] Late Payments XXXX  XXXX XXXX Account Number : XXXX XXXX  XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX TransUnion XXXX XXXX Account Number : 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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I requested my free annual credit reports through the official website, AnnualCreditReport.com ( XXXX XXXX XXXX ). I successfully received my report from XXXX, but I have not received reports from TransUnion or Equifax. It has been over two months, and I have not been notified of any issue or identity verification problem.

I properly completed the request for all three credit bureaus and confirmed my mailing information. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive one free credit report per year from each bureau. I am requesting assistance in obtaining my missing reports from TransUnion and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: FL

Complaint narrative:
I am a confirmed victim of identity theft.

Pursuant to 15 U.S.C. 1681c-2, you are hereby notified that the listed account ( s ) were opened fraudulently without my authorization or consent. I am formally requesting that you block and delete all information relating to these fraudulent accounts from my credit file within XXXX ( XXXX ) days of receipt of this notice. 
This notice is accompanied by my identity-theft affidavit, government-issued identification, and proof of address, satisfying all verification requirements under 1681c-2 ( a ). Failure to block or delete this information within the statutory timeframe constitutes willful noncompliance under 15 U.S.C. 1681n and 15 U.S.C. 16810, subject to civil penalties and attorney 's fees.

Please provide written confirmation that the fraudulent tradeline ( s ) have been deleted and that no further reporting or reinsertion will occur without certification from the original creditor as required under 1681i ( a ) ( 5 ) ( B ).

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 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, I received a check from my tenant XXXX XXXX for {$3900.00} from his XXXX XXXX account number XXXX. I deposited the check into my XXXX account number XXXX via the XXXX app and placed the check in my vehicle. An individual by the name of XXXX XXXX broke into my vehicle and took the check written under my name ( XXXX XXXX XXXX and deposited the check into his Capital One account number XXXX. Even though the check was written under my name Capital One cleared the funds into his account before XXXX did. I found out a few days later that XXXX removed the funds they originally credited to my account since the funds had gone to the Capital One account. This individual not only broke into my vehicle he committed fraud by depositing the check into his account. Capital One clears checks the next day without any reviews whatsoever, this check was not supposed to be cashed and should have been held and not cleared right away. in addition they dont even do background checks when individuals sign up for new accounts. The tenant and issuing bank XXXX XXXX  including my bank XXXX have made numerous complaints to Capital One fraud team but we have not been getting responses back. I have an official police report of the incident. I need your help in getting Capital One to return the funds to the issuing bank. From what I understand from a Capital One agent, the individual had opened the account just a week prior and immediately withdrew the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN XXXX  DAYS ACCORDING TO FEDERAL LAW!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
Confirm removal of disputed accounts within the legally prescribed time frame.

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 2025-11-10 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: IN

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-10 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 am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-11-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
XXXX. No evidence of permissible purpose ( FCRA 604 ). Experian must confirm that this third party had lawful authorization to access or report my information. 
XXXX. Failure to verify accuracy ( FCRA 607 ( b ) ). Experian is required to ensure data accuracy and maintain reasonable procedures to assure maximum possible accuracy before publishing negative information. 
XXXX. Incomplete verification and reinvestigation ( FCRA 611 ( a ) ( 1 ) ( A ) ). The original creditor ( XXXX ) is not shown to have validated or verified the debt through proper documentation. 
XXXX. No proof of ownership or assignment. XXXX XXXX XXXX has not provided any original signed agreement, validation of balance calculation, or proof of contract establishing a debtor-creditor relationship. 
XXXX. Violation of data completeness ( FCRA 609 ( a ) ( 1 ) ( A ) ). I have not received the full source, method, and date of verification for this account. 

Under FCRA 611 ( a ) ( 5 ) ( A ), if Experian can not fully verify every element of this record within XXXX  days, it must be permanently deleted from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Moore Law Group
State: CA

Complaint narrative:
XXXX was the original creditor and it was assigned to the Moore law group. The moore law group keeps on insisting that the processor delivered the documents to me and I provided identity which is false. I'm requesting for the moore law group to provide a copy of the identity of the server with photo ( drivers license ) with their full name. Once received, I will then call my monitoring service to provide a copy of the video clip to verify such event that claiming that I was physically served on XX/XX/year>. I'm also requesting for CFPB to review this complaint and dismiss the judgment in my behalf. Note : The only source of income is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-10 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:
I am disputing the following items on my Experian credit report, as I believe they are inaccurate or incomplete. Below is a list of charged-off accounts, inquiries, positive accounts, and late payments that require correction : Charged Off Accounts : XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX  XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXX, Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX  XXXX XXXX, Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$570.00} Inquiries : XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date XXXX XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX  XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Late Payments : CCB/MPRCC, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX 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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX My Mortgage payment was {$1800.00} XX/XX/XXXX I paid {$500.00} voluntarily to my escrow account to prevent increase monthly payments.M & T Bank I just started banking with on XX/XX/XXXX XXXX, XXXX My Mortgage payment was {$1800.00} XX/XX/XXXX My Mortgage payment was {$1800.00} XXXX My Mortgage payment was {$1800.00} XX/XX/XXXX I paid {$500.00} voluntarily to my escrow accounts to prevent increase monthly payments I realized that I needed to contact the Bank and ask why escrow payments are not stopping the increase of my monthly payments. I did I call Customer Service and them about my payments to escrow and also because my previous mortgage company would mail out a notice to the borrower and inform them they have a option to pay the shortage or we will add that on to your monthly payment after 30 days. M & T Bank informed me they did not do that and it didn't cost me more the shortage amount was added my mortgage payment. I said that was incorrect and I had 24 years left on my loan. That when I request all my statements and information and started to contact agencies State and Federal for assistance on my complaint. 
XXXX My Mortgage payment is XXXX XXXX to Present My Mortgage payment is XXXX Nothing has changed M & T Bank is being allowed to take advantage of consumers like myself a VA Veteran, who has served his country trying to hold on to his dream of Home ownership. Don't let this happen to me or anyone else. I fight for my rights to be treated fairly. 





d

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