vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: NJ

Complaint narrative:
To Whom It May Concern I am submitting this formal complaint regarding inaccurate, outdated, and unlawfully reported information across multiple accounts reflected on my consumer credit reports These accounts have caused me significant emotional and financial distress and have negatively impacted my ability to access basic credit services employment opportunities and housing These accounts are either being reported inaccurately contain wrong balances dates or statuses or have been reported without proper validation and in violation of federal consumer protection laws including the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 et seq and the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 et seq Despite my previous disputes and direct efforts to resolve these matters with the data furnishers and credit reporting agencies the following accounts remain incorrectly reported or unresolved and must be investigated and removed from my file immediately Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Incorrect address causes important financial notices sent to wrong location ; I am missing vital information. 
Law : FCRA Section 609 guarantees consumers the right to accurate information and correction of errors. 
Story : Despite multiple requests to correct this, the address remains unchanged. Recently, I missed an urgent financial notice because of this mistake, which compounded the problems with my account. This incorrect address threatens both my financial security and personal safety. 

Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This incorrect address causes misidentification of my financial accounts. 
Law : FCRA protects consumers from being harmed by inaccurate information that damages their credit history. 
Story : Due to this wrong address, lenders often verify the wrong information, resulting in denial of credit. This limits my financial opportunities unjustly. 

I demand that a full investigation be conducted into all of these accounts and that each furnisher be required to provide proper documentation and validation within the timeline allowed by law If they are unable to do so these accounts must be permanently deleted from my credit reports per FCRA and FDCPA guidelines I am requesting full accountability and compliance with federal law as my rights under the FCRA and FDCPA have been continuously violated by these furnishers and the consumer reporting agencies responsible for reporting them

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 2025-08-06 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:
Im requesting a fast review of the late payment listed, as it does not align with my consistent on-time payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I attempted to extend a flight with XXXX by phone on XX/XX/year> for {$280.00}, but they said the transaction didn't go through. I saw the charge on my credit card statement anyway. I never received a confirmation or ticket, and I never used the flight. XXXX now claims it's non-refundable and denies responsibility. My bank which is Citi is siding with the merchant despite no service being delivered. This is a clear case of being charged for failed service. 
I'm attaching a letter from XXXX acknowledging the charge and stating the ticket remains " open and unused, '' even though I had no access to it. This is a clear case of being charged for a service that was not provided. I had to purchase another flight with a different airline. 
I am requesting that the charge should be reversed or refunded as a matter of fair consumer protection.

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 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: NY

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEBT XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2025-08-07 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:
Iv recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I contacted m & t bank because I noticed my principal was not going down very much each month when I was paying an additional {$200.00} above the minimum payment. They told me thats how the loan works that it just goes toward interest. Tried arguing with them about it since Ive never had this issue with other banks and they said thats just how it works. When I contacted them again about it I got a different answer : pay the exact same amount on the same day and the extra payment will go towards principle. On my next statement they did XXXX payment towards interest and a small amount towards principle. Theyre crooks and for the last year Ive paid out over {$9000.00} and it barely put a dent in my loan.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Over the past XXXX years, I have submitted multiple disputes to Experian regarding inaccurate information on my credit report. Despite my consistent efforts to correct these inaccuracies, Experian has repeatedly failed to conduct a proper investigation as required under the Fair Credit Reporting Act ( FCRA ). 

Instead of investigating, Experian has continuously responded with templated and stale letters/emails claiming that it was not me who submitted the disputes, thereby denying the disputes without any reasonable investigation. This has occurred multiple times over a three-year period, with no meaningful resolution, and no correction or deletion of the disputed information. 

These repetitive denials based on false assertions that I did not initiate the disputes constitute a failure to fulfill their duties under 15 U.S. Code 1681i ( a ) Reinvestigations of Disputed Information. Experians actions ( or inaction ) reflect : Failure to conduct a reasonable investigation ; Use of automated or generic responses instead of a substantive review ; A pattern of negligence or willful noncompliance with federal law ; Ongoing harm to my creditworthiness and financial well-being.

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 2025-08-06 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX 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 2025-08-07 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:
On XX/XX/2025, I received an email from XXXX stating that my dispute results are ready. However, I did not initiate any disputes at that time. 

I had previously disputed several inaccurate tradelines and followed up with Method of Verification ( MOV ) letters and CFPB complaints. 

Rather than properly responding to those legal requests, Experian appears to have generated new disputes on their own, possibly to reset FCRA timelines or avoid documenting verification efforts. 

Whats worse : The Experian app does NOT display these results like it normally does. 
No new investigation details or responses were visible in the app at the time I got the email. 
These mystery disputes appeared as notifications dated XX/XX/XXXX, all without my request. 

I am concerned that this is an attempt by Experian to cover their non-compliance or make it appear like the consumer is actively disputing when in fact I am not.

This violates my rights under the FCRA, including : 611 : failure to properly investigate consumer disputes 611 ( a ) ( 7 ) : failure to provide description of investigation 611 ( a ) ( 6 ) ( B ) : failure to notify the consumer of results clearly

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 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform despite using zelle multiple times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately.they informed me that recovering lost funds was impossible and that tracking these transactions was unobtainable. The CFPB findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams and cyber schemes .this lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, Im reaching out for help regarding some accounts on my credit report that I didnt open or authorize. I wasnt informed about them either. As stated under USC 1681g, Im respectfully requesting their removal within 15 days. Ive attached the documents to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
have tried several times with each credit bureau and they refuse to correct. 
I am filing this complaint because all three major credit reporting agencies TransUnion, Experian, and Equifax are reporting incorrect and outdated personal identifying information on my credit reports, including misspelled names and addresses I have never lived at. These errors are impacting my credit profile and violate my rights under the Fair Credit Reporting Act ( FCRA ). 

I have submitted dispute letters with legal documentation ( drivers license, Social Security card, and a utility bill ), requesting the immediate correction or removal of : Incorrect names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX; etc. 

Invalid addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have asked the credit bureaus to update my file to show only my legal name : XXXX XXXX and my current verified address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 

Despite sending proof and citing FCRA 609, 611, and 607 ( b ), they have failed to correct the information. This misinformation is misleading and could affect my ability to obtain credit or employment. I request CFPB intervention to ensure the credit bureaus comply with federal law and correct my report promptly.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
have tried several times with each credit bureau and they refuse to correct. 
I am filing this complaint because all three major credit reporting agencies TransUnion, Experian, and Equifax are reporting incorrect and outdated personal identifying information on my credit reports, including misspelled names and addresses I have never lived at. These errors are impacting my credit profile and violate my rights under the Fair Credit Reporting Act ( FCRA ). 

I have submitted dispute letters with legal documentation ( drivers license, Social Security card, and a utility bill ), requesting the immediate correction or removal of : Incorrect names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX; etc. 

Invalid addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have asked the credit bureaus to update my file to show only my legal name : XXXX XXXX and my current verified address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 

Despite sending proof and citing FCRA 609, 611, and 607 ( b ), they have failed to correct the information. This misinformation is misleading and could affect my ability to obtain credit or employment. I request CFPB intervention to ensure the credit bureaus comply with federal law and correct my report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RGS Financial, Inc.
State: FL

Complaint narrative:
There wasn't any options that correlate with my dispute so I just chose what I chose so I can move on to explain what's going on. I paid this debt and we close the account and they're refusing to give me a letter of settlement. They only gave me a receipt that shows that I made a payment, but there's no letter that says that this account has been settled and the account has been settled and they're reporting to my credit bureau incorrectly and they're still showing it as negative and I've disputed it with the credit bureau but because I just have a receipt, they won't change it and it's negatively affecting my credit and I called them and I asked them for a letter of settlement because I received a letter of settlement from all of my other collections that I paid off and they're refusing to give me anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Dear Equifax Dispute Department, I am formally disputing the accuracy of the payment history being reported for my XXXX  XXXX credit card account ending in XXXX, which was opened on XX/XX/XXXX. The payment history listed on my Equifax credit report is riddled with inconsistencies and appears to violate both FCRA and Metro 2 reporting standards. 

Inaccurate and Illogical Reporting : Your records indicate : XXXX  days late in XX/XX/XXXX On-time in XXXX XXXX XXXX  days late in XXXX XXXX XXXX days late in XXXX XXXX XXXX  days late in XX/XX/XXXX Back to on-time status in XXXX and XX/XX/XXXX This sequence of reporting is logically and mathematically inconsistent. A consumer can not be marked XXXX  days late after being current the prior month, nor can they be XXXX days late in XXXX if they were supposedly current in XXXX and only XXXX  days late in XXXX. This fragmented and contradictory reporting violates multiple provisions of consumer law and industry standards. 

Grounds for Dispute : Violation of FCRA 15 U.S.C. 1681e ( b ) : Equifax has a legal obligation to ensure the maximum possible accuracy of information included in consumer reports. Reporting a payment pattern that defies chronology and logic is a clear breach of this statutory duty. 

Violation of FCRA 15 U.S.C. 1681i ( a ) : Upon receiving a dispute, Equifax must conduct a reasonable reinvestigation. Since I have no records of any late payments on this account, and the current reporting lacks internal consistency, you are required to verify these delinquencies with original source data or delete them.

Violation of Metro 2 Guidelines Data Integrity Standards : Metro 2 requires consistent, chronological reporting. The sequence of 30060906000 days late is noncompliant with proper payment status progression and would fail data integrity checks if properly audited. This calls the entire delinquency pattern into question as unverifiable and contradictory. 

I expect confirmation that this dispute is being processed in accordance with FCRA within the 30-day timeframe. If this matter is not resolved fully and properly, I am prepared to escalate with a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and consult legal counsel to enforce my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2025-08-06 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: MS

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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