vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 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: TX

Complaint narrative:
I am filing this complaint because Experian and TransUnion are reporting a bankruptcy that does not belong to me. 

I have never filed for bankruptcy, and this public record is being inaccurately attributed to my credit file. I have disputed this matter multiple times with both bureaus, but they continue to verify the bankruptcy through third-party vendors such as XXXX or XXXX, without providing me with any proof or documentation that links this bankruptcy to me. 

Additionally, due to the XXXX  data breach in XXXX, my personal identifying information was compromised. I believe this breach has contributed to inaccurate reporting and mixed files. Because my data has been exposed and unreliable, the credit reporting agencies can not properly verify this bankruptcy record against me. 

Under the Fair Credit Reporting Act ( FCRA ) 609, 611, and 605B, the credit reporting agencies are required to maintain reasonable procedures to assure maximum possible accuracy. If an account or public record can not be verified as belonging to me, it must be deleted.

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 2025-08-23 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-23 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: I.C. System, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX I C SYSTEM XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Re : Cease and Desist Account No. XXXX To Whom It May Concern : I, XXXX XXXX, born XX/XX/XXXX, am formally notifying you to cease and desist all communication with me regarding the above-referenced account. 


Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am exercising my right to request that you stop all direct contact with me concerning this matter.

You are hereby instructed to : 1. Cease all phone calls, letters, emails, and any other form of direct contact with me.

2. Refrain from communicating with any third parties regarding this account, except as permitted by law.

If you believe you have a valid claim regarding this alleged debt, you may provide written verification of the debt to my address listed above. Otherwise, any further attempts to contact me, aside from legally permitted notices, will be considered a violation of federal law, and I will not hesitate to report such violations to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 


This letter is not to be construed as an acknowledgment or acceptance of any alleged debt. 


Sincerely, 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 2025-08-23 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: MO

Complaint narrative:
Activated {$100.00} Vanilla Visa Gift card on XX/XX/scrub>XXXX XXXX XXXX, spent {$10.00} on XX/XX/year>, XXXX XXXX  with no further purchases made afterwards.

Card was then charged on XX/XX/scrub>XXXX XXXX XXXX two purchases with the name XXXX, one purchase for {$59.00} and another for {$30.00}. I did NOT make these purchases. I now currently have {$0.00} in my card balance.

I sent in a case request through the Vanilla Visa website.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I've frozen my credit bureaus. These are a list of unauthorized inquiries that ive found on my Transunion. I've already reported a XXXX XXXX credit card that was fraud and they closed and removed it. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: M&T BANK CORPORATION
State: MN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding inaccurate credit reporting on my mortgage account with M & T Bank and the harm it has caused to my credit history.

In XX/XX/XXXX, M & T Bank improperly reported a late payment on my primary mortgage due to their representatives error in setting up my automatic payment schedule. I had previously been on a biweekly autopay arrangement and requested a change to weekly autopay. The setup was not completed correctly by the bank, and as a result, my scheduled payments in XXXX and XX/XX/XXXX were not withdrawn in a timely manner.

This error was entirely administrative and not the result of any failure on my part to make payments. The issue was corrected by M & T Bank in XX/XX/XXXX, and I have otherwise maintained a perfect on-time payment history on this mortgage since opening it in XXXX. 

In addition, I also hold a second mortgage with M & T Bank since XX/XX/XXXX, and I have never had a late payment on that account. This further supports my long-standing record of responsible repayment.

I have attached copies of my payment history records, which clearly show that the payments for XXXX and XX/XX/XXXX were withheld by M & T Bank due to their representatives mistake. Despite this, the banks error has unfairly resulted in a negative mark on my credit report, damaging my credit score for no valid reason.

M & T Bank has acknowledged this issue but has been unreasonably slow in providing me with a formal correction letter. I have also disputed the reporting with XXXX, but the matter remains unresolved.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and require M & T Bank to : Correct the inaccurate late payment reporting for XX/XX/XXXX. 

Provide written confirmation that the error was caused by their mishandling of my payment setup. 

Notify all credit reporting agencies ( XXXX XXXX XXXX ) of the correction immediately. 

This matter has caused me financial and reputational harm, and I seek your assistance in ensuring my credit report reflects the accurate record of on-time payments I have maintained for over 15 years. 

Thank you for your prompt attention. 

Sincerely, 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 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Ria Envia, LLC
State: NY

Complaint narrative:
The company didnt explain the reason why they banned me from using their services as a regular customer who used their services many times in the past. Also, they lifted the ban on the first account I created, ( XXXX ) but they still maintain a ban on the other account I created after the first one was banned ( XXXX ). Both accounts have my personal information and transfer histories Im entitled to access. They are not forthcoming in their responses. I would like them to have their policies, rules and guidelines very clear not making things up from thin air.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I took a XXXX XXXX in the amount of {$1600.00} from my Citi XXXX XXXX XXXX on XX/XX/year>. On XX/XX/year> I decided that I wanted to pay back the loan and didn't need it. I called into customer service at ( XXXX ) XXXX to request to send back the loan funds I had received. I was informed that it would not be possible to do so until XX/XX/year> after a statement cycle completes. I was instructed to contact Citi on XX/XX/year> to request at that time to submit a payment of {$1600.00} to pay off that XXXX XXXX and that whatever amount of interest on that loan accrues on XX/XX/year> would be waived as a one time courtesy. I called back on XX/XX/year> to make the request in question as instructed with the expectation that I would simply submit a payment of {$1600.00} and pay off the loan in full. Contrary to what I was told on XX/XX/year>, I was told that would not be possible because of a specific automatic manner in which payments are handled that splits whatever amount of payment I send across paying off purchases on the card and any XXXX XXXX on the card. Thus there not being a way to simply make a direct payment towards a XXXX XXXXXXXX to pay it off. This was not explained at the time I took the XXXX XXXX. Any traditional loan on a fixed interest rate with fixed monthly payments allows the borrower to submit a payment to pay it off full whenever they want. Also I was informed that whatever the agent told me that I spoke to on XX/XX/year> was apparently not recorded in their system.

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 2025-08-23 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX Date : [ Insert Date ] Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Re : Formal Complaint Inaccurate Reporting of Late Payments in Violation of 15 U.S.C. 1681e To Whom It May Concern : I am filing this complaint regarding inaccurate and damaging reporting of late payments on my credit history.

Pursuant to 15 U.S.C. 1681e of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to maintain reasonable procedures to assure maximum possible accuracy in the information they report. The late payment data being reported against me does not meet this standard and is therefore in direct violation of federal law. 

These false entries are materially harmful to my creditworthiness and have caused me financial injury. Since the law requires maximum accuracy, and these accounts are being reported inaccurately, I am demanding the removal of all late payment entries from my credit reports. 

For your review, I have attached copies of the credit reports showing the incorrect late payment entries. 

I request that the CFPB immediately investigate this matter and take corrective action by compelling the credit bureaus to delete the all late payment records. I also request written confirmation of this action once completed. 

Thank you for your attention to this matter and for upholding the consumer protections provided under federal law. 

Respectfully XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: NY

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 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 2025-08-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I am submitting this complaint because XXXX XXXX and the collection agency involved have failed to comply with federal law regarding the validation and reporting of this alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( Section 809 ), I exercised my right to request full validation of this alleged debt, including the original signed agreement, a full accounting of the debt, and the legal chain of assignment. Despite my timely and proper request, the collector failed to provide the required validation and continues to report and pursue this account. This violates not only the FDCPA but also the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires that only accurate and verifiable information be furnished to credit reporting agencies. Continuing to report unverifiable information is illegal and damaging to my credit profile. I am requesting the CFPB to investigate this matter and compel the company and any associated collection agency to : - Provide full, proper validation of the debt as required by law ; or - Cease all collection activity and remove all reporting of this account from my credit reports with all bureaus immediately. This companys failure to follow federal law has caused harm to my creditworthiness and financial standing, and I expect this to be corrected promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: OR

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately. Enclosed is my Police Report/FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. 

As required und

er 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, the credit reporting agency must block all information identified by the consumer as resulting from identity theft within four ( 4 ) business days. The following Equifax inquiries were not authorized by me, do not have a permissible purpose, and must be deleted immediately : Equifax XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are highly injurious to my credit rating, as they were made without my knowledge, consent, or any legitimate business purpose. 

Violations of My Rights 15 U.S.C. 1681 ( Section 602A ) : Affirms my right to privacy regarding my credit and consumer information.

15 U.S.C. 1681b ( Section 604 ( a ) ( 2 ) ) : A consumer reporting agency may not furnish a consumer report without my written authorization or a permissible purpose.

15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits adverse information from remaining on my consumer report beyond statutory limits.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits any furnisher from reporting information it knows, or should reasonably know, to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: NV

Complaint narrative:
Greetings, I am sending this complaint because I still believe there are still error on my credit file. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate these accounts below : XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXXXXXX Balance : {$2000.00}

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 2025-08-23 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: PA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXXXXXXXXXX XXXX XXXX XXXX Balanced {$110000.00} SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balanced {$35000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balanced {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balanced {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balanced {$62000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balanced {$9100.00}

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 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Company : Resurgent Capital Services/ LVNV Funding LLC Account : XXXX original account ending XXXX, Resurgent Ref. XXXX On [ use the date you mailed/asked for validation ], I requested validation under FDCPA 809 ( b ) and disputed the reporting under FCRA 623 ( a ) ( 8 ) /Reg V 1022.43. On XX/XX/year>, Resurgent replied via ordinary mail with a generic letter lacking : ( XXXX ) proof of ownership/chain of title linking my specific account to LVNV ; ( XXXX ) an itemized accounting from charge-off ; ( XXXX ) documentation of the Date of First Delinquency ( DOFD ) ; and ( XXXX ) the governing cardmember agreement. 

Despite this, Resurgent/LVNV continues to furnish this tradeline to Equifax, Experian, and TransUnion and XXXX not clearly report the account as disputed. Continuing to collect and furnish information without adequate validation violates FDCPA 809 ( b ) and 1692e ( 8 ), and furnishing incomplete/inaccurate information violates FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ) ( DOFD ). 

I dispute owing any amount to LVNV/Resurgent absent competent evidence they own this account and that the balance is accurate. I request CFPB assistance to ensure a lawful investigation and either full validation or deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: 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 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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I take my credit seriously, and I'm really concerned about the inaccuracies on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I've worked hard to build my credit, and it's disappointing to see it affected by mistakes that aren't my fault. It's getting me anxious. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

Company response to consumer: Closed with explanation