vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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:
Account XXXX XXXX XXXX XXXX 
FCRA Violation - Inconsistent Account Reporting Across All Three Credit Bureaus On XX/XX/XXXX, I discovered that XXXX XXXX is reporting the same account with materially different information across XXXX, Experian, and XXXX, violating Fair Credit Reporting Act requirements for accurate reporting. 
The Critical Discrepancies Identified : Payment Status : XXXX  reports " Late XXXX  Days, '' Experian reports " Late XXXX  Days, '' XXXX  reports " Late XXXX  Days '' Last Reported Date : XXXXExperian show XX/XX/XXXX, XXXX  shows XX/XX/XXXX Date Last Active : XXXX  XX/XX/XXXX XXXX Experian XX/XX/XXXX, XXXX  XX/XX/XXXX Date of Last Payment : XXXXExperian show XX/XX/XXXX, XXXX  shows XX/XX/XXXX Account Terms : XXXXExperian show XXXX  months XXXX XXXX  shows XXXX  months Comments : Only XXXX  includes " Fixed rate Unsecured XXXX notation My Company Contact Attempted : On XX/XX/XXXX, I contacted XXXX XXXX directly to request explanation for these reporting inconsistencies. They were unable to provide any explanation for why the same account shows different payment statuses, dates, and terms across credit bureaus.

Impact : These inconsistencies prevent accurate credit assessment and have caused ongoing damage to my creditworthiness. The variance between XXXX and XXXX late reporting represents different risk categories that significantly impact credit scoring and lending decisions. 
XXXX XXXX : The furnisher 's inability to maintain consistent, accurate records across all credit reporting agencies demonstrates fundamental FCRA violations. I am requesting deletion of this unverifiable account from all credit reports and investigation into the company 's reporting practices.

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 2025-08-14 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:
Account XXXX XXXX XXXX XXXX. 
FCRA Violation - Inconsistent Account Reporting Across All Three Credit Bureaus On XX/XX/XXXX, I discovered that XXXX XXXX is reporting the same account with materially different information across TransUnion, XXXX, and XXXX, violating Fair Credit Reporting Act requirements for accurate reporting. 
The Critical Discrepancies Identified : Payment Status : TransUnion reports " Late XXXX  Days, '' XXXX  reports " Late 180 Days, '' XXXX  reports " Late XXXX  Days '' Last Reported Date : TransUnion/XXXX  show XX/XX/XXXX, XXXX  shows XX/XX/XXXX Date Last Active : TransUnion XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX of Last Payment : TransUnion/XXXX XXXX XXXXXXXX XXXX  shows XX/XX/XXXX Account Terms : TransUnionXXXX XXXX XXXX  months XXXX XXXX  shows XXXX months Comments : Only XXXX  includes " Fixed rate Unsecured XXXX notation My Company Contact Attempted : On XX/XX/XXXX, I contacted XXXX XXXX directly to request explanation for these reporting inconsistencies. They were unable to provide any explanation for why the same account shows different payment statuses, dates, and terms across credit bureaus.

Impact : These inconsistencies prevent accurate credit assessment and have caused ongoing damage to my creditworthiness. The variance between XXXX-day and XXXX-day late reporting represents different risk categories that significantly impact credit scoring and lending decisions. 
XXXX XXXX : The furnisher 's inability to maintain consistent, accurate records across all credit reporting agencies demonstrates fundamental FCRA violations. I am requesting deletion of this unverifiable account from all credit reports and investigation into the company 's reporting practices.

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 2025-08-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Source Receivables Management LLC
State: AL

Complaint narrative:
I noticed a collection on my credit report from the following : SOURCE RECEIVABLES MANAGMENT XXXXXXXX XXXX XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXXNo Data Account Information Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NC XXXX Phone ( XXXX ) XXXX Date Opened XXXX 
I requested information on the debt and have not received any correspondence, yet it remains on my credit report.

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: Experian Information Solutions Inc.
State: VA

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 2025-08-14 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:
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 2025-08-14 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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:
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/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2300.00} 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 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 2025-08-14 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: RI

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, I had a few late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/ I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 

SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
RE : Complaint Against Citizens Bank for Authorizing Fraudulent Charge and Mishandling Dispute ( XXXXXXXX XXXX XXXX  Scam ) I am filing this complaint against Citizens Bank for their failure to protect me from an unauthorized and fraudulent charge by XXXX, despite my repeated and documented warnings. 

Background : I rented a vehicle from XXXX and was making agreed-upon weekly rental payments directly to them. On XX/XX/year> I returned the vehicle. Without any notice or explanation, XXXX charged my Citizens Bank account {$5300.00}. 

Prior to this charge : * I had already informed Citizens Bank that this transaction was fraudulent. 

* I made clear that XXXX had been withdrawing weekly rental payments directly from my account, so there was no legitimate reason for such a large, lump-sum charge. 

* I requested that Citizens Bank stop the payment and have XXXX contact me directly to justify any claimed balance. 

My Dispute : I provided Citizens Bank with proof that : * All agreed payments had been made weekly to XXXX. 
* The {$5300.00} charge was unauthorized and unexplained. 
* Other renters have been taking XXXX to court for the same pattern of excessive, unverified charges. 

Despite this evidence, Citizens Bank authorized the payment, ignored my dispute, and failed to protect my account from fraud. 

Impact on Me : * The unauthorized withdrawal caused my account to overdraft. 
* Citizens Bank closed my account and reported me to XXXX, severely damaging my ability to open a bank account. 
* I live paycheck to paycheck, and this has caused extreme financial hardship, emotional distress, and loss of trust in my financial institution. 

Requested Resolution : I request that the CFPB investigate both Citizens Bank and XXXX for this incident, specifically : XXXX. Why Citizens Bank authorized a payment I had explicitly disputed and provided evidence against. 
XXXX. Why my dispute was dismissed without fair investigation. 
XXXX. Immediate reversal of any negative reporting to XXXX  related to this incident. 
XXXX. Reimbursement of the {$5300.00} plus any overdraft fees and associated damages. 

This incident has been a nightmare, and I am requesting urgent action to correct the harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: WI

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are multiple fraudulent accounts on my report that were not opened by me I need these accounts removed as soon as possible

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Identify theft on my credit report, and they have not deleted it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report. 

Attached are documents supporting my claim, including a copy of my credit report with the disputed account highlighted, and proof of identity. Remove these fraudulent accounts and inquiries now. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XXXX XX/XX/ I attempted to send {$2500.00} to a client from the phone number they used to make the request. They informed me immediately that, that number wasnt associated with their XXXX account so I clicked cancel on the transaction within XXXX 

I called them immediately and was told it would take 3-5 days to receive my money. 

I called back and was told it could take 10 more additional days and I had to provide a copy of my bank statement. I confirmed that I could redact it, as my spending is none of their business but did not redact the names of the senders for any amount close to {$2500.00} and submitted it. 

I called back and they denied my claim at first. 

I called again and have since called them several times and their global complaints departement became involved. 


I have since submitted several more redacted bank statement sand am being told to be patient as they are troubleshooting on their side why I never received my money. 


Now I am not getting any updates by email and no calls from them either. 


I have spent over ten hours on calls and hold with their staff. They al pleegde undeserved my money but have made no real efforts to fix the problem or return my money. Every call has been met with confused agents telling me either contradictory information or mos stating when a request was made or what we are waiting on. 

Almost 60 days and no returned money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: EdFinancial Services
State: NY

Complaint narrative:
signed up for company never used any service that was said to be giving. still was charged even when i was not using the services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I reviewed my XXXX XXXX XXXX XXXX XXXX  ) Consumer Report and identified areas for dispute. I was very upset upon discovering these fraudulent accounts, unauthorized transactions and inaccurate information ; thus, I demand that it be resolved in a fair and equitable manner that it be investigated and, if necessary, be corrected or 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 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation