vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: Early Warning Services, LLC
State: NJ

Complaint narrative:
I am filing this second complaint against Early Warning Services , LLC ( EWS ) regarding fraudulent information appearing on my Early Warning consumer report due to identity theft. Despite my previous complaint ( CFPB Ref # XXXX ), EWS has failed to fully investigate or correct the false account data that is harming my financial reputation and causing denials for legitimate banking services.

I recently obtained a copy of my Early Warning Services consumer report dated XX/XX/year>, which includes checking and savings account information that I did not authorize, open, or use. These accounts are fraudulent and were likely opened or reported due to identity theft. I have no knowledge of these accounts and did not initiate them. The fraudulent accounts are associated with early warning file disclosure consumer id : XXXX under Early Warning contribution ref # : XXXX and early warning contribution ref # : XXXX. 
As a result of this fraudulent reporting, I have suffered denials from financial institutions, including XXXX, which stated that they relied on information provided by Early Warning Services. EWS is reporting inaccurate and false data and sharing it with third parties without my consent, in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : Failing to ensure the maximum possible accuracy of the information furnished; Failing to properly investigate and correct disputed information ; Furnishing information about fraudulent accounts even after being notified of identity theft. 
I have included the following supporting documents : A copy of the Early Warning consumer report showing the disputed accounts ; Proof of my identity and current address ; A copy of my first CFPB complaint and supporting documentation for reference. 
FTC identity theft complaint against early warning. 
Proof that I am victim of identity theft due to XXXX  data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
I am filing this complaint against Aqua Finance Inc. regarding significant miscalculations of principal and interest on my account. These errors have resulted in incorrect balances, improper fee assessments, and potential overcharges that violate fair lending practices. 

Additionally, Aqua Finance Inc. has failed to provide a monthly statement for XX/XX/2025. Attached is evidence. An email was received but it was the XX/XX/2025 XXXX, not the XX/XX/2025 as requested. 

The missing statement issue for XX/XX/2025, combined with the calculation errors and the FTC lawsuit context, presents a strong case of regulatory violations that the CFPB will take seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
I am writing to express my frustration regarding the Southern Management XXXX, which has been attempting to contact both my daughter and me about a debt that we do not owe related to an apartment we rented while she was in college. We began receiving calls in XXXX while we were out of the XXXX, without access to voicemail due to relying solely on hotel internet. 

Upon our return, we listened to the messages and returned the calls, only to experience inappropriate and abusive behavior from the collection agents. During a call with my daughter, the agent made intrusive comments about her personal life and financial situation. I was present during this call and found the agent 's behavior unacceptable. 

When I attempted to address this by calling the company myself, I encountered the same rude and abusive language. The agent refused to listen to my explanation and abruptly hung up. I then requested to speak with a manager and left my contact information but did not receive a callback. Today, when I sought to talk to a supervisor, the call was again cut off while I was trying to explain our situation.

Given these interactions, my daughter and I are now afraid of this company 's aggressive tactics and will not communicate with them again. We will not answer their calls, as abusive behavior is not acceptable. My daughter is particularly fearful that this company has obtained our personal information and may attempt to come to our home. I have also tried to contact the original company claiming the debt, but I have received no response. 


Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: FL

Complaint narrative:
I recently review a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-06-30 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 recently review a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing a formal complaint against Citibank for obstructing my access to personal funds, providing false information, and subjecting me to repeated harassment by their offshore representatives. This situation has created financial hardship and serious health consequences. 

The issue began on XX/XX/2024, when I contacted Citibank to request a replacement debit card. My card was misplacedthere was no fraud or unauthorized activity. I provided a temporary address, as I am visiting family for the summer. 

Despite passing extensive verification processes, including one-time codes sent to my phone, Citibank repeatedly lied about expediting my card and withheld access to my account. I made over XXXX calls, all routed to XXXX XXXX call center. During these calls, I experienced suspicious delays, overheard representatives conversing as if intentionally coordinating obstruction, and was continuously given false assurances. 

After nearly a month of hardship, I finally received the replacement card, only to face further harassment from Citibank. They sent repeated alerts questioning my password changes, which I had already confirmed. To make matters worse, Citibank denied my {$250.00} transfer to my XXXX account, despite XXXX providing written proof that Citibank blocked the transaction. Citibank refused to offer any valid explanation. 

As a result, I have been unable to access my funds for basic living expenses and care for my pets. The stress from this situation has required me to seek medical attention for XXXX XXXX and XXXX. 

I request the Consumer Financial Protection Bureau investigate Citibanks misconduct, the failure to provide account access, and the questionable actions of their offshore representatives. I also demand immediate restoration of my banking rights and protection from further harassment. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: NJ

Complaint narrative:
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any suchdebt, in fact exists. I have copies of the certified letters and dates prepared to bring to Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

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 2025-06-30 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: CO

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: VA

Complaint narrative:
I am submitting this complaint to dispute a late payment entry currently being reported by Equifax, XXXX XXXX XXXX for an account listed as XXXX, account number ending in XXXX, with a reported delinquency dated XX/XX/year>. According to the information displayed on my credit reports, the past due balance for this account is {$0.00}, which directly contradicts the presence of any delinquency. 

This is a closed or resolved account with no outstanding balance, and yet all three bureaus continue to report a derogatory late payment without providing any supporting documentation or evidence that verifies its accuracy. I have not received any communication or billing statement from XXXX indicating that a payment was missed, nor has any of the credit bureaus produced proof that this late payment was legitimate or lawfully reportable. 

As someone who actively monitors and manages their credit profile, I take great care to ensure that every item on my reports is correct, timely, and verifiable. I have disputed past errors and maintained a clean record. Thats why it is especially frustrating to see a late payment being reported on an account that is not delinquent, has no past due balance, and does not warrant a derogatory status. This kind of reporting is not only inaccurate its a direct misrepresentation of my credit history. 

Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are obligated by 15 U.S.C. 1681e ( b ) to ensure the maximum possible accuracy of the information they report. Furthermore, under 15 U.S.C. 1681i, I have the right to dispute inaccurate information and receive a full reinvestigation. So far, I have received no documentation confirming that this late payment entry is accurate or that it was submitted with valid, verifiable data from the furnisher. The continued presence of this error on all three reports is a failure of compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
I am writing to formally dispute and request a renewed reinvestigation of a derogatory item listed on my Experian credit report. This account has already been disputed previously, yet it remains unresolved. Given the widely publicized Experian data breach, which compromised sensitive consumer information, I am concerned that my personal data may have been misused or reported inaccurately. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 

Account in Dispute : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/year> Reported Balance : {$2200.00} I am requesting that Experian conduct a thorough reinvestigation of this account and obtain all necessary documentation directly from the original creditor to verify its accuracy. If the information can not be fully substantiated with original supporting evidence, I request that this derogatory item be corrected or removed in compliance with federal law.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX Balance Owed : {$390.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: AZ

Complaint narrative:
I pride myself on always paying my bills on time most of my adult life. My credit score was up to XXXX in XXXX. The someone committed fraud using an old XXXX account and charged {$150.00}. We never received any billing from XXXX stating that we owed them anything. My first inkling of a problem was when my credit score suddenly dropped over night from XXXX to XXXX. We contacted XXXX and explained this was fraud and after investigating it, they agreed and closed the account. I wrote a letter to all three credit agencys explaining that, but they would not return my credit score to what it had been. Now, because I always pay my bills on time using auto-pay, I was able to get my credit score back up to XXXX. Then suddenly on the week of XX/XX/XXXX, I checked on my credit score again and it had dropped to XXXX yet again!!! This time stating that I have XXXX account that is XXXX days past due!!! I ran my credit report and all of my accounts show that I am current, which is absolutely true, because all of my accounts are set up on auto-pay and I have plenty of money in my account to cover the payments. It appears to me that the credit reporting agencies are hijacking my credit score and then offering extra measures that can be purchased through them for {$29.00} per month to prevent this from happening. Please help 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 non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Peoples gas said I owed an amount that was already paid. They did put the amount on my bill and on my credit report. I requested that they remove and show proof of removal since they were forcing me to pay the amount or threatening to turn off service. They have not removed the amount from my report even after me disputing the information. That amount is on my active accountI am currently paying it. I requested to have this information removed my report and it has not been removed. The credit bureaus only put disputed but didnt remove it. I need it removed 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 2025-06-30 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-30 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: AL

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 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 2025-06-30 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-30 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: SC

Complaint narrative:
On XX/XX/year> I reviewwed my credit report. I noticed the inconsistencies on my credit report. I am demanding for a proper investigation for all the inaccurate reporting sub, itted iin my letters.

Company response to consumer: Closed with non-monetary relief