vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

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 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 2025-09-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
am formally disputing fraudulent accounts that appear on my credit report. These accounts do not belong to me and were never authorized. Their inclusion is inaccurate, harmful, and misrepresents my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: MI

Complaint narrative:
PRO COLLECT is falsely reporting on my credit. I have never had any accounts with them. Per my research PRO COLLECT 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 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 2025-09-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Green Square Company LLC.
State: PA

Complaint narrative:
I used XXXX  buy now pay later for a product of XXXX XXXX. However, the item was defective and almost caused me to fall from leaking. I requested a return label for the machine because it was defective. XXXX XXXX informed me they would not provide a return label and might not exchange the product. I am XXXX  and XXXX and hope you can help me. 

Thank you

Company response to consumer: Untimely response
Consumer complaint received 2025-09-11 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Meta Payments Inc.

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint against Meta XXXX XXXX XXXX ( XXXX ) for failure to pay funds owed under XXXX In-Stream Ads program. 

My company operates on XXXX and we earn revenue through the In-Stream Ads program, but Meta has failed to issue two payouts that are now more than 10 months overdue. 

The unpaid payouts are : XXXX. Amount : {$5100.00} Payout Reference : XXXX Earnings Period : XX/XX/year> XX/XX/year> Payment Due Date : XX/XX/year> XXXX. Amount : {$3100.00} Payout Reference : XXXX Earnings Period : XX/XX/year> XX/XX/year> Payment Due Date : XX/XX/year> Both payouts have shown as processing in the XXXX payout dashboard since late 2024, and Meta even issued us an invoice confirming these earnings, but the funds have never been released. 

We contacted Meta support multiple times through the official channels. Each time we either received only automated responses or were connected to support staff who stated they could not resolve the issue. No meaningful resolution has been provided despite our repeated efforts.

This is a clear case of Meta withholding earned revenue owed to our business. We respectfully request the CFPBs assistance in compelling Meta to release the overdue payments. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: IN

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: NY

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Bureaus XXXX Creditor Name : Source Receivable MNG Subject : Formal Dispute of Inaccurate Account Information Greeting, I am formally disputing the account reported by Creditor : Source Receivables MNG Account Number XXXX The Past Due Amount, Balance, and Original Balance are inaccurate and misleading. Reporting false or unverifiable information is a violation of the Fair Credit Reporting Act 15 U.S.C. 1681i, which requires maximum possible accuracy, and may also constitute prohibited practices under the Fair Debt Collection Practices Act 15 U.S.C. 1692c. 

I demand a full investigation of this account. If these items can not be verified as accurate, they must be immediately corrected or permanently removed from my credit report. I also request written confirmation of the results of your investigation. Failure to comply may result in legal action to enforce my rights under federal law. 

Sincerely, XXXX XXXX SSN last 4 digits XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
Subject : Dispute of Information Under Section 605B Dear Experian, 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
A week or two ago, when I went to my bank account on the web page it has information from Experian. My credit score which had been in the XXXX for years had gone down to about XXXX. More recently someplace it said I had no credit score at all. I called Experian and they would not give me any information on to why my score went down. They said had to check with the creditors. I told them that was ridiculous and impossible cuz all of the creditors are several years old and older and it was not feasible to check with six or seven different former creditors.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-11 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: NJ

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year> at approximately XXXXXXXX XXXX., I, XXXX XXXX walked into the Wells Fargo Branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, TX. Prior to this I had attempted to call the bank 53 times to ensure they had the necessary funds available ( {$120000.00} ) to withdraw but I received no answer. I waited in line and was asked to approach a window. I was met by a male bank teller and was greeted accordingly. I provided the necessary information and told him I needed to make a withdraw. He stated he needed approval from his manager. He came back and stated that the bank did not have that amount in hand and that he was only able to give me {$30000.00} in cash. We discussed it back and forth to which he recommended I speak to his manager. The manager came to the window and we discussed it further. The manager recommended that I hop from Wellsfargo to Wellsfargo throughout the city and make withdraws according to what each bank had in hand until I collected my original amount of {$120000.00}. Emotions ran high on both ends but I only raised my voice after she raised hers and not once did I ever disrespect her. She apologized about not being able to fulfill my request and I told her that the apology didn't help me at all. Again, we argued about how money was exchanged throughout the day to customers, why a bank only had a certain amount of money and she explained that she could provide me with the amount I needed but that she needed to put in an " order '', which she later explained could take up to 1 week. I asked for written policy about how money was disbursed and why I couldn't walk out with {$30000.00} then walk back in later and ask for another withdraw. She refused to provide me with the written policy. She then raised her voice to which I in turn raised mine. She then stated that she would not provide me any monies whatsoever and refused to provide me with service. She walked away and I was left waiting at the window. After a few minutes, I asked the teller if he was going to provide me with the {$30000.00}. He went to the back and came back and said, " no ''. The Bank manager 's name is 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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-09-11 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: NY

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 : ACCOUNTS : XXXX - Account Number : 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  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, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: NV

Complaint narrative:
I am a victim of identity theft and have submitted an FTC Identity Theft Report, government-issued ID, and proof of address. Despite this, the credit bureaus continue to report fraudulent and inaccurate information.

TransUnion is reporting 11 unauthorized inquiries, Equifax is reporting 4, and Experian is reporting 2. These inquiries were not authorized by me and should have been blocked under FCRA 605B within 4 business days. 

All three bureaus are also reporting a fraudulent collection from XXXX XXXX XXXX ( {$1600.00} ). In addition, Equifax and Experian are reporting a fraudulent collection from XXXX XXXX XXXX ( {$470.00} ). These are not my accounts and are the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX is also being reported inaccurately. Experian correctly reports 0 late payments and 100 % on-time history. Equifax is incorrectly reporting 1 late payment, and TransUnion is incorrectly reporting 2 late payments. It is impossible for the same account to have three different payment histories. Under FCRA 607 ( b ), which requires maximum possible accuracy, Equifax and TransUnion must be corrected to match Experians accurate reporting of 0 late payments.

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 2025-09-11 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: NV

Complaint narrative:
I am a victim of identity theft and have submitted an FTC Identity Theft Report, government-issued ID, and proof of address. Despite this, the credit bureaus continue to report fraudulent and inaccurate information.

TransUnion is reporting 11 unauthorized inquiries, Equifax is reporting 4, and Experian is reporting 2. These inquiries were not authorized by me and should have been blocked under FCRA 605B within 4 business days. 

All three bureaus are also reporting a fraudulent collection from XXXX XXXX XXXX ( {$1600.00} ). In addition, Equifax and Experian are reporting a fraudulent collection from XXXX XXXX XXXX ( {$470.00} ). These are not my accounts and are the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX is also being reported inaccurately. Experian correctly reports 0 late payments and 100 % on-time history. Equifax is incorrectly reporting 1 late payment, and TransUnion is incorrectly reporting 2 late payments. It is impossible for the same account to have three different payment histories. Under FCRA 607 ( b ), which requires maximum possible accuracy, Equifax and TransUnion must be corrected to match Experians accurate reporting of 0 late payments.

Company response to consumer: Closed with non-monetary relief