vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-15 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 contest the accuracy of this late payment and request that it be removed after proper verification of my payment record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: GA

Complaint narrative:
I used a all point atm at the XXXX on XXXX XXXX in XXXX ga and did not receive the money and it was taken from my account I have reached out to cash app several times and they keep telling me something different every time I have reached out to all point atm services and they told me they could clearly see the transaction was processed and no funds received

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: CA

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 non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
On XX/XX/XXXX of XXXX  I opened a CD with an interest rate of approximately 4.5 % with Citizens Bank. I was concerned about what would happen at maturity so I looked up the FAQs. Here are the FAQs directly from the current https : //www.citizensbank.com/ website : What happens when my CD automatically renews? 
If you take no action during your XXXX grace period, your CD will automatically renew for another term. Each renewal term will be the same as the original term, beginning on the maturity date. 

For example, if you had an existing XXXX CD and took no action during the grace period, the CD account would roll into another XXXX term. The interest rate applied will be based on what is presently offered and may differ from the prior term. The new maturity date would be set based on the renewal date. 

I think any sane person would read that and assume that the CD would roll into a new CD at the current rate for a CD with a comparable term. Instead of doing that, Citizens put me into an 8 month CD at .1 %. It took me a few months to notice because I had it isn't something I check frequently. I never received any notifications or phone calls from Citizens that it was going to renew. And certainly no indication that it would renew at such a low rate. 

I called customer service twice to ask for something to be done. They said that there was nothing that could be done. My only options were to close the CD and pay a penalty of loss of interest and a {$67.00} " transaction fee '' or to wait for the CD to mature. I repeatedly asked to escalate and speak to a manager for additional options and none were provided. The only concession offered was that they would make me an appointment at the bank to meet with a sales person about possible rate options at the end of the maturity. 

At a very minimum I think they should be forced to change the FAQ to represent that the new rate they would roll into would be an extremely unfavorable rate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-15 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: TN

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within 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 : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6800.00} XXXXXXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 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 2025-08-15 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: CA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
Product : Federal Student Loan Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Loan servicing transfer without notification, resulting in default and negative credit reporting What Happened : Routing Instruction : This complaint is only about my XXXX XXXX XXXX in default with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please do not forward this complaint to XXXX or any other Direct Loan servicer, as they are unrelated to this loan. 

I am disputing the way my XXXX XXXX was transferred and serviced. I was never notified that my loan had been transferred from the XXXX XXXX  XXXX ( original holder ) to thXXXX XXXX XXXX XXXX XXXX. I only discovered on XX/XX/year> that the loan had gone into collections when I saw negative activity on my credit report. 

On XX/XX/XXXX, I contacted the servicing debt collection agency and was provided repayment terms entirely different from my original agreement. They directed me to the XXXX XXXX XXXX to request a recall of the debt. When I spoke with the Department, I learned they had an outdated mailing address on my profile and were only sending notices by traditional mail. My email address and phone number were correct and active at all times, yet I received no emails, calls, or text messages regarding the loan transfer, delinquency, or impending collections. 

I was told that the XXXX  XXXX XXXX was responsible for notifying me of the loan transfer. That same day, I contacted the University and requested all communication records regarding the transfer. I received no such records despite multiple follow-ups with their Office of Student Accounts. 

Summary : Neither the original holder ( XXXX  XXXX XXXX ) nor the XXXXXXXX XXXX XXXX XXXX has provided evidence that I was properly notified of the loan transfer. I never had the opportunity to bring my account current, and would have done so had I been informed. As a result, my XXXX XXXX was reported as in collections, causing significant credit damage through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-08-15 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: MO

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint regarding inaccurate and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) ( failure to ensure maximum possible accuracy ) and 15 U.S.C. 1681i ( failure to reinvestigate disputed information ).

The account in question is XXXX  Card Account ending in XXXX. This account was closed at the credit grantors request, yet it continues to report a balance. Reporting a closed by grantor status with a balance misleads creditors and impacts my creditworthiness, as it suggests the account is both inactive and delinquent, which is not accurate. 

I previously disputed this directly with the credit bureaus, but the inaccurate reporting remains. The FCRA requires furnishers and credit bureaus to ensure that information is accurate and not misleading. Continuing to report this status with a balance is misleading because it : 1. Suggests that I still owe on an account that is no longer open for charges.

2. Implies a derogatory closure reason without proper context. 
3. Negatively impacts my ability to obtain credit. 

I am requesting that the CFPB require the furnisher ( XXXX ) and credit bureaus to : Correct the status to reflect accurate closure language that does not mislead. 
Accurately report the current balance or remove the account if it can not be verified.

Provide a full investigation and verification method, per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

I wasnt notified why my account was closed and if there was a way to rectify the situation. 

I let them know that a check was mailed to cover the balance and that it will be paid off, but they still reported a balance on my credit report which is now hindering me to funding for my business

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 2025-08-15 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: CA

Complaint narrative:
I am filing this complaint regarding inaccurate and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) ( failure to ensure maximum possible accuracy ) and 15 U.S.C. 1681i ( failure to reinvestigate disputed information ).

The account in question is XXXX  Card Account ending in XXXX. This account was closed at the credit grantors request, yet it continues to report a balance. Reporting a closed by grantor status with a balance misleads creditors and impacts my creditworthiness, as it suggests the account is both inactive and delinquent, which is not accurate. 

I previously disputed this directly with the credit bureaus, but the inaccurate reporting remains. The FCRA requires furnishers and credit bureaus to ensure that information is accurate and not misleading. Continuing to report this status with a balance is misleading because it : 1. Suggests that I still owe on an account that is no longer open for charges.

2. Implies a derogatory closure reason without proper context. 
3. Negatively impacts my ability to obtain credit. 

I am requesting that the CFPB require the furnisher ( XXXX ) and credit bureaus to : Correct the status to reflect accurate closure language that does not mislead. 
Accurately report the current balance or remove the account if it can not be verified.

Provide a full investigation and verification method, per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

I wasnt notified why my account was closed and if there was a way to rectify the situation. 

I let them know that a check was mailed to cover the balance and that it will be paid off, but they still reported a balance on my credit report which is now hindering me to funding for my business

Company response to consumer: Closed with non-monetary relief