vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Accounts Reference to XXXX XXXX XXXX XXXX XXXXXXXX Settlement To Whom It May Concern : I am writing to formally dispute certain accounts listed on my TransUnion credit report that I believe are inaccurate and were impacted by the issues addressed in the XXXX XXXX XXXX XXXXXXXX XXXX XXXX settlement ( Case No. XXXX ). I received notification from XXXX indicating I was part of that settlement and that my information may have been affected. 
Information about the disputed accounts Please investigate the following accounts and remove or correct them if they can not be verified as accurate and lawfully Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe these items are inaccurate, incomplete, or reported without a permissible purpose, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The settlement in XXXXXXXX XXXX XXXX demonstrates that certain practices regarding hard inquiries and reporting were found problematic, and I am requesting that XXXX apply the same remedial standards to my file. 
Requested action Conduct a reasonable reinvestigation of these accounts. 
Delete or correct any item that can not be verified or is inaccurate. 
Provide me with an updated copy of my credit report reflecting any changes. 
Enclosures ( if available ) : Copy of the notice/letter stating I was affected by the settlement. 
A copy of my photo ID and a utility bill to confirm my identity. 
Copy of the page ( XXXX ) of my credit report highlighting the disputed accounts. 
Please complete your investigation within 30 days as required under the FCRA and provide written confirmation of the results. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am a verified victim of identity theft caused by the XXXX XXXX XXXX data breaches. Both companies failed to safeguard my personal and financial information, which led to fraudulent accounts, unauthorized inquiries, and inaccurate personal identifiers being reported on my XXXX and Experian credit files. 

I did not authorize or apply for any of these accounts. Fraudulent auto loans, student loans, and credit accounts were opened in my name, along with unauthorized inquiries from multiple banks and lenders. In addition, false names, addresses, and employers have been added to my credit file. 

I submitted an official FTC Identity Theft Report filed XX/XX/year> ), yet Experian continues to report this fraudulent information in violation of the Fair Credit Reporting Act ( FCRA 605B, 611, 609 ( e ), and 623 ). This has caused me financial harm, reputational damage, and emotional distress.

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 2025-09-23 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: FL

Complaint narrative:
I am formally disputing certain collection and charge-off accounts on my credit report as inaccurate, outdated, or unverifiable. Despite submitting disputes and supporting documentation, these accounts remain unverified and continue to harm my credit. Under the Fair Credit Reporting Act ( FCRA ), I demand a full reinvestigation of these accounts, and any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
I have XXXX mortgage accounts with M & T bank, and now experiencing the exact same issue with my XXXX account as the complaint below from XXXX XXXX. M & T Bank continues to misapply funds that I earmarked to the principle and the payment defaults to the escrow account. I have XXXX payments XXXX on XX/XX/XXXX and XXXX XX/XX/XXXX each for the amount of {$150.00}. After multiple calls the Customer service team was unable to provide any assurances that these misapplied funds will revert back to the principle. At this point the issues with these XXXX accounts appear to be systemic and now wondering how many accounts holders have experienced the same issues? Does this warrant a class action? 

( see complaint XXXX XXXX complaint below ) M & T bank 's online payment system is deeply flawed and have tried multiple times to apply a payment to the principle of my mortgage loan but the automated system continues to reverse the payment. Consumers need to beware of this issue and be very careful. Its almost impossible to get anything resolved, due to M & T banks very limited hours of operation and long wait times on hold. Currently I have been waiting XXXX days to have {$340.00} properly applied to my principle. Once I get a banker on the phone they are all very sympathetic but none to date have been able to provide an effective resolution. I have now filed an internal complaint and automated research request with M & T bank staff but have very little faith of an effective resolution. Very disappointed, if I had any control over who owned my mortgage loan would be changing banks.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
I submitted a timely Validation of Debt request to CONTRACT CALLERS INC regarding Account Number : XXXX XXXX XXXX XXXX XXXX for the alleged balance of {$550.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, XXXX XXXX XXXX XXXX failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : DEPT OF ED Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX DEPT OF ED Date : XX/XX/XXXX DEPT OF ED Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-23 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:
Company : Equifax Information Services LLC Address : XXXX XXXX XXXXXXXX, XXXX, GA XXXX Complaint : I am submitting this complaint against Equifax for failing to conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ). 

Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX  Charged off and sold, but Equifax continues to report a balance and charge-off status. XXXX XXXX requires a {$0.00} balance/past-due and states Transferred/Sold/Closed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged off and sold, yet Equifax still shows an amount owed to XXXX XXXX. Additionally, XXXX months of payments I made are marked as delinquent. 

Equifaxs Violation : I previously disputed these accounts with Equifax. Equifax responded that the accounts were verified and refused to correct them. However, under FCRA 1681i, Equifax must perform a reasonable reinvestigation. Merely accepting a furnishers word without reviewing supporting evidence is not reasonable. 

Supporting Law & Standards : FCRA 1681e ( b ) : Demands maximum possible accuracy.

FCRA 1681i : Requires a reasonable reinvestigation of disputed items. 

Metro 2 Standards : Mandate proper coding for charged-off/sold accounts and accurate payment history. 

Harm : Equifaxs shortcomings lead to false reporting, decreasing my creditworthiness, blocking financing options, and misrepresenting my debts. Despite providing evidence, Equifax refuses to delete or correct the tradelines. 

Consumer Information : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: IN

Complaint narrative:
I was giving a refund by a merchant or an approved chargeback and the merchant showed me proof. This money still hasn't been refunded. I've contacted cash app hundreds of times and they haven't updated me about my money as it is on their end to complete the return. I filed a dispute regarding this transaction and haven't gotten a updater within XXXX weeks. At this point I believe cash app has stolen my refund. They refuse to do a XXXX way with the merchant to come to a conclusion because they say they don't want to be recorded. I have exhausted all measures regarding this so contacting cfbp.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: IN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-23 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: CA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Re : Formal Dispute DEMAND FOR IMMEDIATE CORRECTIONComplaint Reference XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX  XXXX 
To Whom It May Concern, This letter serves as a FINAL DEMAND regarding the above-referenced account. Equifax is knowingly reporting false and inconsistent information compared to XXXX 
FACTUAL INACCURACIES : - Equifax Reports XXXX Days XXXX XXXX. 
- XXXX Reports PAID AS AGREED/ NEVER LATE. 
- XXXX confirmed directly with the furnisher that this account is PAID AS AGREED, NEVER LATE. 
Therefore, any attempt by Equifax to justify its misreporting by referencing the furnisher is invalid. Another credit bureau has already confirmed the accurate status with the same furnisher. 
METRO 2 / FCRA VIOLATIONS : - Metro 2 requires accurate and consistent account history. Reporting conflicting information is a violation of FCRA 607 ( b ) and constitutes willful negligence. 
- Furnisher updates must be reported uniformly across all CRAs, not selectively misrepresented. 
FORMAL DEMANDS : XXXX. Cease & Desist Mail Contact Effective immediately, Equifax is forbidden from sending me any responses or documents through mail. All responses and supporting documents must be uploaded directly into the CFPB Drop Box as evidence. 
XXXX. Correction Deadline You have XXXX  DAYS from receipt of this notice to : - Remove the inaccurate XXXX late notation. - Update this account to reflect : PAID AS AGREED / NEVER LATE ( No other phrasing or excuses are acceptable. ) XXXX. Mandatory Written Confirmation I demand in bold, clear writing whether Equifax has updated this account to PAID AS AGREED/ NEVER LATE. Any vague responses, references to the furnisher, or partial compliance will not be accepted as resolution. 
NOTICE OF ESCALATION : Failure to comply within 5 days will result in : - Immediate escalation with the Consumer Financial Protection Bureau and submission of all evidence ( including screenshots and reports from XXXX  ).- Filing claims under FCRA 616 & 617 for negligent and willful damages. 
This is my final notice before legal escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: Sensible Auto Lending, LLC
State: MD

Complaint narrative:
Subject : Dispute of Charged Off Account and Request for 1099-C Form FINAL NOTICE - FAILURE TO COMPLY WITH CFPB AND THE BBB VIOLATIONS OF THE FDCPA & FCRA Sensible Auto Account # XXXX formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt.

Instead, you responded with a generic verbal summary of charges or a statement balance, per my initial complaint with the CFPB. Which does not satisfy the federal requirements for debt validation. A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to credit bureaus is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of inaccurate and incomplete information.

Additionally, continued reporting efforts without proper validation violate the FDCPA, specifically : 15 U.S.C. 1692e - False or misleading representations 15 U.S.C. 1692f - Unfair practices 15 U.S.C. 1692g - Failure to validate debt Your failure to provide the following constitutes noncompliance : A copy of the original signed contract or agreement bearing my signature ; A full chain of title including all assignments and transfers of the alleged debt ; A bill of sale or purchase agreement proving legal ownership of the debt ; Proof of licensing to collect debt in my state ; I would like to again confirm whether this account has indeed been charged off. If so, I have not received form 1099C, I am requesting a Form 1099-C, Cancellation of Debt, as required when a debt of {$600.00} or more is canceled.

According to the Internal Revenue Service ( IRS ), any debt in excess of {$600.00} that is canceled is considered taxable income. This is outlined in IRS Publication 4681, which states that canceled debts are treated as income, and Form 1099-C should be issued. Its crucial to note that such income is not reported on credit reports.

Furthermore, under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( b ), creditors are obligated to provide accurate information to credit reporting agencies. If this account has been charged off, it is imperative that the correct documentation is provided to ensure compliance with the law.

I request that you confirm the charge-off status on this account per documentation and provide the necessary Form 1099-C for my records to ensure compliance with IRS regulations or remove the reporting of this account immediately! Please respond within 10 days of receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TransUnion and Experian are reporting inaccuracy late payment on my credit report. XXXX and XXXX  or not reporting late payment. Under ( 15 USC 1681e ( b ) Accuracy of Report ( CRA ) have to report maximum accuracy. I Have upload the changes made by XXXX and XXXX ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) ( XXXX info XXXX XXXX XXXXXXXX XXXX ) ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. I have included the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief