vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: AZ

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 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 2025-11-03 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: AZ

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 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
They bank rep who processed my loan and when i went back in a month to make my 1st pmt and repay the loan i explained to her why i was there. Ahe said i can help you with that. She should of said i csn transfer the money right from my online bank acc. 
I am a XXXX  i do not own a computer i never check emails. I not tech savy at all. I am XXXX XXXX XXXX. Been at the same XXXX for 24 years. She told me i had to fill out the slip.after i deposited the 2 cash pmts. I didnt question her. I did what she told me to do and left. She knowingly commited fraud. Having me fill out a slip a deposit slip then forged it to a withdrawl it from my checking. She new the loan was in my checking acc. I didnt realize it till after I flew home. I have the reciept but am not good at how to find them in my cell phone. I have the reciept for my deposits to my loan acc ending inXXXX  They took it from cking ending inXXXX

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 2025-11-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: LEXISNEXIS
State: MN

Complaint narrative:
My rights were violated as a consumer under 15 USC 1681c-2 and I need them blocked and deleted from my report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-04 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not authorize its creation or use. Enclosed are the supporting documents for my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Securus J Holdings, LLC
State: MN

Complaint narrative:
On XX/XX/year> at XXXXm Jpay financial services withdrew {$91.00} from my checking account without my permission. I use Jpay financial services often, as my husband is currently incarcerated and Jpay is the company the Department of Corrections uses to send inmates money, email and schedule video visits. I did not send my husband any money on that day. When I review my Jpay account statement, there is no documentation of the charge of {$91.00} on XX/XX/year>. My husband also has no documentation on his side stating that this money was posted to his account. I have never sent my husband that amount of money. This money was taken from my account for no reason and with no permission or authorization. I have attempted to contact JPay services via phone and email and have yet to get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The investigation left several inaccurate accounts and collections

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The investigation left several inaccurate accounts and collections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: CO

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX inaccurate reporting of late payments. I paid my account on time, and even after confirming receipt of my payments, XXXX XXXX XXXX continues to report them as late. I have attempted multiple times to get a corrected report, but their responses have been inconsistent. This misinformation is impacting my creditworthiness. I request CFPBs assistance in having XXXX XXXX XXXX verify or correct these entries immediately.

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 2025-11-04 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: CO

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX inaccurate reporting of late payments. I paid my account on time, and even after confirming receipt of my payments, XXXX XXXX XXXX continues to report them as late. I have attempted multiple times to get a corrected report, but their responses have been inconsistent. This misinformation is impacting my creditworthiness. I request CFPBs assistance in having XXXX XXXXXXXX XXXX verify or correct these entries immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
Hi, On XX/XX/year> I mailed documents to Source Receivables and did not receive a response. This is my final attempt to resolve this issue before pursuing litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am a victim of identity theft. My information was stolen. I did not consent to authorize or benefit from any of the following accounts. All are being investigated by the FTC and CFPB. According to FCRA XXXX this information must be blocked until the investigation is complete. Since XXXX business days from the receipt of this communication allowed under federal law to block these orders, failure to do so within XXXX business days after receiving this letter constitutes a reason to promptly delete the information from my credit file in refer to FCRA ( USC ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: Duvera Billing Services, LLC
State: AZ

Complaint narrative:
I financed a puppy purchase through XXXXXXXX XXXX using EasyPay Finance. The store presented the loan as an affordable payment plan but did not clearly explain that the APR was 88.99 % or that the XXXX XXXX XXXX XXXX XXXX would expire so quickly. 

I paid a {$500.00} down payment and financed {$3300.00}, expecting a reasonable rate. My monthly payment is {$300.00}, totaling {$7200.00} over XXXX months. As of XX/XX/year>, I have paid {$3000.00}, but EasyPays own statement shows that {$2200.00} went toward interest and only {$740.00} toward principal, which is excessive and unfair. 

I was not adequately informed about the APR, repayment terms, or the full impact of the XXXX clause at the time of signing. This has caused me significant financial harm. 

Additionally : XXXXXXXX XXXX  also failed to honor their written reimbursement agreement for my puppys medical expenses after she became ill shortly after purchase. I was promised up to {$200.00} in reimbursement for veterinary care, but the store refused to assist or communicate further once I submitted proof. Because of this, I was forced to use my XXXX account to pay for emergency veterinary treatment to save my puppys life. These unexpected medical costs, combined with EasyPays high interest rate, made it impossible to pay off the loan within the XXXX promotional period. This shows that the loan terms were unrealistic and unaffordable under genuine consumer circumstances. 

I am requesting that the CFPB review EasyPay Finance and XXXX XXXX for deceptive or predatory lending practices, failure to disclose full loan terms, and misleading promotional financing terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax Information Services, LLCXXXX XXXX XXXX XXXX XXXXSubject: Request to Block and Delete Fraudulent Accounts  Identity Theft VictimXXXXDear Equifax Consumer ServicesXXXXI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Equifax data breach, and unauthorized accounts have been fraudulently opened in my nameXXXXThe fraudulent accounts that I have identified on my credit report are as follows:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX request that Equifax promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profileXXXXFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changesXXXXIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided aboveXXXXThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: SC

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 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/25 I made a purchase with a company called XXXX XXXX XXXX XXXX Registered XXXX Registered XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX I was told I would receive my products by XX/XX/25. I never received them. I asked the company for a refund and was told I would receive that by XX/XX/25. Never received a refund. I have tried to contact them several times now and have not received a response at all. 

I tried to dispute the transaction with Cashapp. Which is who I made the transaction through and they denied my dispute. I tried to appeal their decision and they denied that as well. I cant find any not get an answer from Cashapp as to why it was denied. Still havent received my products, or a refund, or a reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
They have called my other phone number multiple times and told them to stop after XXXX calls cause I told them I was contacting an attorney for harassment. So they proceeded to call my personal phone number and I told them again that I was contact an attorney for harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My student loan was transferred or sold to another servicer without my knowledge or proper notice. I was not informed of the change, and as a result, the previous servicer XXXX began reporting the account as delinquent even though I have been making payments to the new servicer. 

This inaccurate reporting has been ongoing for several months, nearly a year, and has repeatedly lowered my credit score. Despite contacting both servicers, the issue remains unresolved. 

I am requesting a full investigation and correction of my credit report. The previous servicer should report the account as Transferred/Sold, with a {$0.00} balance, and remove any late or delinquent notations that occurred after the transfer. 

These errors have caused measurable credit harm and financial stress, and I am seeking immediate resolution and confirmation that my credit reports are corrected with all major credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My student loan was transferred or sold to another servicer without my knowledge or proper notice. I was not informed of the change, and as a result, the previous servicer XXXX began reporting the account as delinquent even though I have been making payments to the new servicer. 

This inaccurate reporting has been ongoing for several months, nearly a year, and has repeatedly lowered my credit score. Despite contacting both servicers, the issue remains unresolved. 

I am requesting a full investigation and correction of my credit report. The previous servicer should report the account as Transferred/Sold, with a {$0.00} balance, and remove any late or delinquent notations that occurred after the transfer. 

These errors have caused measurable credit harm and financial stress, and I am seeking immediate resolution and confirmation that my credit reports are corrected with all major credit bureaus.

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