vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: OK

Complaint narrative:
I am filing a complaint against XXXX  for reporting and distributing inaccurate, incomplete, and unverifiable information within my consumer file. On XX/XX/year>, I submitted a formal dispute invoking FCRA 609 and 611, as well as the Fair and Accurate Credit Transactions Act ( FACTA ). My dispute included multiple tradelines ( such as XXXX XXXX XXXX XXXX XXXX, and XXXX * * ) and several hard inquiries ( such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX  ) that lack proof of authorization or permissible purpose under FCRA 604. 

XXXX has failed to provide certified evidence from the original furnishers or any verifiable documentation showing that this data is accurate, complete, and reported in compliance with Metro 2 standards. There are also inconsistencies in my personal identifiers ( name, address, and other PII ) that do not match my verified information. Continuing to report or distribute unverifiable or inaccurate data constitutes a violation of FCRA 607 ( b ) and 611 ( a ). I request a full reinvestigation and immediate correction or deletion of all inaccurate and unverifiable data

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: NH

Complaint narrative:
Opened a M & T XXXX XXXX account on XX/XX/2025 with {$250000.00}. He was offered an interest rate of 3.2 % which is expressed in the opening documents that were given to him. In XX/XX/2025 it was noticed his actual interest rate being credited was significantly lower around 1 %. 

We contacted the representative who opened the account, XXXX XXXX ( XXXX ) XXXX, and were assured that would be corrected. Numerous follow-ups yielded that the back office was working on updating the account. Approximately 3 weeks after the initial complaint we were informed by XXXX XXXX that the Bank was not honoring the rate. She embarrassingly explained that the Bank had withdrawn that rate offering before XXXX XXXX had opened the account but had not notified the branch. Therefore, despite the bank 's representations and documents given the Bank was not honoring the rate offered. No communication was attempted to notify XXXX XXXX of this rate change prior to this call since opening the account in XXXX ( 4 months ). 

After a follow-up meeting with the XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX and showing the opening documents, another adjustment with their management to honor the rate offered was submitted. Close to another 3 weeks have passed and no answer yet.

It is hard to not believe that The Bank has engaged in deceptive business practices by presenting an interest rate to a frail XXXX customer that it has refused to honor despite its representatives presenting this interest rate to him. It made no effort to contact him that they were not honoring this rate until it was brought to their attention and has taken 6+ weeks and still have not fully addressed this issue. It has cost XXXX XXXX close to {$1900.00} to date.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and have a police report or FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
This account ( XXXX ) is reported as a collection for {$450.00}. I have no contract, written agreement, or written consent authorizing LVNV Funding LLC or any assignee to collect or report this debt. Under 15 U.S.C. 1681i and 1681e, you must conduct a reasonable reinvestigation. If the item can not be verified, it must be deleted. I am disputing the accuracy, completeness, and validity of this information under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Please reinvestigate.

This account, ( 4917 ) listed as a debt-buyer account for {$1300.00}, is incomplete and unverifiable. Thereis no signed agreement presented that proves lawful ownership or assignment. If you can not verify this account with supporting original creditor documentation, delete it from my report. I am disputing the accuracy, completeness, and validity of this information under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Please reinvestigate and provide the results and documentation used in verification. If unverifiable, delete it immediately. the results and documentation used in verification. If unverifiable, delete it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: MA

Complaint narrative:
Dear Self Lender/ Lead Bank : There are multiple accounts from your company under my name and ssn on my credit report that i'm not aware of. please remove from Self Lender, Lead Bank, and XXXX XXXX XXXX. I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) *
Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable.

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including Cushman v. Trans Union, Dennis v. BEH-1, Clark v. Capital Credit, and Greco v. Trauner confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: GA

Complaint narrative:
I am filing this complaint regarding inaccurate and possibly unverifiable information being reported by Experian. These items include both charged-off accounts and hard inquiries that I do not believe are accurate or authorized. 

Charged-Off Accounts in Dispute ( Experian ) : XXXX XXXX Account # XXXX, Reported XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX  XXXX Account XXXX XXXX, Reported XX/XX/XXXX, Balance : {$500.00} These accounts are being reported as charged off, but I do not have verification or documentation supporting these balances or statuses. I am requesting that Experian conduct a full reinvestigation under FCRA 611 and remove these accounts if they can not be fully verified with original documentation. 

Inquiries in Dispute ( Experian ) : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-10-30 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: PA

Complaint narrative:
I am submitting a complaint regarding several items on my credit report that are being inaccurately reported. The following charged-off accounts and inquiries are in dispute : Charged Off Accounts : XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} Inquiries : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX 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 non-monetary relief
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
On or around XX/XX/year>, I obtained copies of my credit reports from Experian, TransUnion, and Equifax and identified several inaccurate, duplicate, and unverifiable derogatory accounts being reported. 

Between XXXX and XX/XX/year>, I sent XXXX certified dispute letters to each credit bureau requesting a full reinvestigation and documentary verification of these items under FCRA 611 ( a ) and 609 ( a ) ( 1 ) ( A ). 
I specifically requested copies of any signed applications, contracts, payment histories, or chain-of-title documentation verifying the accuracy and ownership of the accounts. 

The accounts in question include multiple charge-offs and collections from First XXXX Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Synergetic Communications ( XXXX ), among others. 
Some debts are reported twice by different furnishers ( e.g., XXXX XXXX XXXX and XXXX XXXX ) or appear as duplicate entries across multiple bureaus, which violates FCRA 607 ( b ) and 605B.

Despite multiple disputes, all three bureaus responded only with generic investigation results or statements claiming the information was verified without providing any underlying proof.

No contracts, account applications, statements, or debt validation documents were ever produced.

This failure to verify, combined with continued reporting of the same unverifiable information, constitutes willful and negligent noncompliance with the Fair Credit Reporting Act ( FCRA 607 ( b ), 611 ( a ), 616617 ) and, for the collection accounts, potential violations of the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ).

These inaccurate and unverified accounts continue to harm my creditworthiness and result in denied or unfavorable credit terms, despite my good faith attempts to resolve the matter directly with the companies.

I am requesting that the CFPB require Experian, TransUnion, and Equifax to : Permanently delete all unverifiable, inaccurate, and duplicate derogatory accounts.

Provide updated credit reports reflecting these deletions.

Implement safeguards to prevent re-insertion without full re-verification per FCRA 611 ( 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 non-monetary relief
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
On or around XX/XX/year>, I obtained copies of my credit reports from Experian, TransUnion, and Equifax and identified several inaccurate, duplicate, and unverifiable derogatory accounts being reported. 

Between XXXX and XX/XX/year>, I sent XXXX certified dispute letters to each credit bureau requesting a full reinvestigation and documentary verification of these items under FCRA 611 ( a ) and 609 ( a ) ( 1 ) ( A ). 
I specifically requested copies of any signed applications, contracts, payment histories, or chain-of-title documentation verifying the accuracy and ownership of the accounts. 

The accounts in question include multiple charge-offs and collections from First XXXX Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Synergetic Communications ( XXXX ), among others. 
Some debts are reported twice by different furnishers ( e.g., XXXX XXXX XXXX and XXXX XXXX ) or appear as duplicate entries across multiple bureaus, which violates FCRA 607 ( b ) and 605B.

Despite multiple disputes, all three bureaus responded only with generic investigation results or statements claiming the information was verified without providing any underlying proof.

No contracts, account applications, statements, or debt validation documents were ever produced.

This failure to verify, combined with continued reporting of the same unverifiable information, constitutes willful and negligent noncompliance with the Fair Credit Reporting Act ( FCRA 607 ( b ), 611 ( a ), 616617 ) and, for the collection accounts, potential violations of the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ).

These inaccurate and unverified accounts continue to harm my creditworthiness and result in denied or unfavorable credit terms, despite my good faith attempts to resolve the matter directly with the companies.

I am requesting that the CFPB require Experian, TransUnion, and Equifax to : Permanently delete all unverifiable, inaccurate, and duplicate derogatory accounts.

Provide updated credit reports reflecting these deletions.

Implement safeguards to prevent re-insertion without full re-verification per FCRA 611 ( a ) ( 5 ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NE

Complaint narrative:
The company is reporting my account as late on XX/XX/2024 and this account was never late.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: NJ

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable information currently appearing on my Equifax credit report. This letter also serves as notice of your failure to properly investigate my previous dispute. Under the Fair Credit Reporting Act ( FCRA ), you are legally required to report only 100 % accurate, complete, and verifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
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 Original Creditor : XXXX XXXX  To Whom It May Concern : Under Section 611 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), I am requesting a detailed description of the procedure used to determine the accuracy and completeness of the information I previously disputed. I would like to know the verification method, the documents reviewed, and the name, address, and telephone number of each person or entity contacted during your investigation. 
This request concerns the following disputed account : 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 ) Original Creditor : XXXX XXXX XXXX you for your attention. I look forward to your written response within the time frame allowed by law. 
Sincerely,

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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

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

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

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

Company 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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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

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

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

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

Company 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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: GA

Complaint narrative:
I don't agree with the account listed below which still appear on my credit report, even after your investigation, I would like this account immediately reinvestigated. These inaccuracies are highly injurious to my credit rating. Furthermore, in accordance with the Fair Credit Reporting Act, Public Law 91 -- 506, Title -- 506 Title -- VI, section 611, subsection A -- D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please, forward me an updated credit report after you have completed your investigation and correction. Your cooperation and prompt attention are greatly Account Name : XXXX XXXX XXXX. 
Account Number : XXXX

Company response to consumer: Closed with non-monetary relief