vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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: MI

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting on my credit report for my XXXX XXXX. The bureaus report a late payment in XX/XX/year>. However, my bank statements confirm that payments were made and applied in both XXXX and XX/XX/year>, with XXXX reported as Paid before the account was closed by the creditor. 

This proves the XXXX late mark is inaccurate. Additionally, the three credit bureaus are showing inconsistent data, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, requiring furnishers to report only complete and accurate information.

I request that the CFPB investigate this matter and direct the furnisher ( XXXX ) and the credit bureaus ( Experian, Equifax, and TransUnion ) to remove the inaccurate XX/XX/year> late payment from my reports. 

Supporting evidence, including bank statements and screenshots, is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: MD

Complaint narrative:
Re : Failure to Provide Notice of Negative Information ( 15 U.S.C. XXXX ( a ) ( XXXX ) ) To Whom It May Concern, Upon review of my credit report, I have discovered that you furnished a late payment on the above-referenced account to XXXX or more consumer reporting agencies. 

As you are aware, the Fair Credit Reporting Act, 15 U.S.C. XXXX ( a ) ( XXXX ), requires that a furnisher of information provide written notice to the consumer no later than XXXX  days after furnishing negative information to a consumer reporting agency. 

To date, I have not received any such notice. A billing statement or past due reminder is not sufficient under the law. The statute requires a distinct and clear disclosure stating that negative information will be or has been reported to the credit bureaus. 

Therefore, I am demanding that you provide : A copy of the written notice you claim to have sent me under XXXX ( a ) ( XXXX ) ; The date it was mailed, the address it was sent to, and the method of delivery ; Evidence of compliance procedures your company follows to ensure adherence to XXXX. 
If you can not provide verifiable documentation, then the late payment entry is procedurally defective and must be removed from all consumer reporting agencies to whom you furnished it. 

Please respond within XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
I am filing this complaint regarding an account being reported by Source Receivables Management on my XXXX credit report, related to an alleged debt with XXXX XXXX XXXX XXXX 
Inaccuracies and Concerns : Improper Payment History Reporting : The account is listed as a collection account but is also reporting monthly payment history codes ( C ) for each month of XXXX. According to the Fair Credit Reporting Act ( FCRA ), furnishers must report information accurately. A collection account should not show ongoing payment history like a revolving or installment account. This is misleading and artificially damages my credit. 
Date of First Reporting : The account shows as opened on XX/XX/XXXX, yet derogatory reporting is applied for each month in XXXX, which may not accurately reflect when the account was placed for collection or became delinquent. 
Debt Validation : I have not been provided with proper validation of this debt from Source Receivables Management. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg, I have the right to request and receive verification of the debt before collection activity continues, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing this complaint regarding inaccurate and inconsistent late payment reporting on my XXXX XXXX account ending in XXXX. 

Evidence of Inaccuracy : My XXXX statements show payments of {$160.00} in XX/XX/year>2025 and {$270.00} in XX/XX/year>2025, both posted and applied to the account. 

Despite these timely payments, my credit reports are inaccurately showing late payments. 

The reporting is inconsistent across bureaus : Experian, XXXX, and XXXX are not reporting the same information for this account, which means consumers and lenders receive contradictory and misleading data. 

When I contacted XXXX, the representative admitted on the call that my payments were not late. Discovers automated system announced that all calls are recorded, which means XXXX has possession of a recording that confirms this admission. 

Laws Violated : FCRA XXXX Consumer reporting agencies may not include inaccurate or unverifiable information. 

FCRA XXXX Requires investigation and correction/deletion of disputed items within XXXX days. 

FCRA XXXX ( b ) Credit bureaus must follow reasonable procedures to assure maximum possible accuracy. 

FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishers ( XXXX ) are prohibited from reporting information they know or should know is inaccurate. 

FCRA XXXX ( a ) ( XXXX ) Furnishers must report information consistently across all consumer reporting agencies. 


Consumer Harm : The inaccurate and inconsistent reporting has caused my credit score to drop, created confusion among lenders, increased my borrowing costs, and damaged my financial reputation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: MI

Complaint narrative:
I am filing this complaint regarding inaccurate and inconsistent late payment reporting on my XXXX XXXX account ending in XXXX. 

Evidence of Inaccuracy : My XXXX statements show payments of {$160.00} in XX/XX/year> and {$270.00} in XX/XX/year>, both posted and applied to the account. 

Despite these timely payments, my credit reports are inaccurately showing late payments. 

The reporting is inconsistent across bureaus : XXXX Equifax, and XXXX are not reporting the same information for this account, which means consumers and lenders receive contradictory and misleading data. 

When I contacted XXXX, the representative admitted on the call that my payments were not late. Discovers automated system announced that all calls are recorded, which means XXXX has possession of a recording that confirms this admission. 

Laws Violated : FCRA XXXX Consumer reporting agencies may not include inaccurate or unverifiable information. 

FCRA XXXX Requires investigation and correction/deletion of disputed items within XXXX days. 

FCRA XXXX ( b ) Credit bureaus must follow reasonable procedures to assure maximum possible accuracy. 

FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishers ( XXXX ) are prohibited from reporting information they know or should know is inaccurate. 

FCRA XXXX ( a ) ( XXXX ) Furnishers must report information consistently across all consumer reporting agencies. 


Consumer Harm : The inaccurate and inconsistent reporting has caused my credit score to drop, created confusion among lenders, increased my borrowing costs, and damaged my financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
I previously filed a CFPB complaint regarding my Discover credit card because I could not afford the minimum payments. In their response, Discover stated they would enroll me in a new payment arrangement. However, when I called to set this up, I was told I could not be enrolled because the account was going to charge off the following week. At that time, the account had not yet charged off, but Discover still refused to place me in a plan and instead allowed it to charge off. Now they say I am no longer eligible for any payment arrangement. Discovers actions contradict their own response to my CFPB complaint and have prevented me from resolving my account in good faith. I am requesting that Discover honor their original commitment to enroll me in an affordable program and work with me on repayment rather than leaving me with no options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The collection account from [ XXXX XXXX XXXX ] is reporting an inaccurate balance. The original balance is listed as {$1000.00} while the current balance is reported as {$1000.00}. Under FCRA 15 U.S.C. XXXX ( b ), you are required to ensure maximum possible accuracy. This discrepancy makes the account inaccurate and unreliable. Since the furnisher can not ensure accuracy, I am requesting deletion of this account from my credit report 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 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX converted my previous terms to a Mastercard. They sent out notification to this effect and I declined. They effectively signed me up for a Credit Card without my permission. My previous terms included XXXX months interest free. I paid every month to avoid interest charges. I am unable to access these terms or pay the balance. XXXX claim I did not reject the change of account within the XXXX days necessary. I believe there communication was deceptive and inadequate for such a major change to consumer terms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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:
Some one open up this account I have no knowledge who or what the account is its in collection this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: MD

Complaint narrative:
XX/XX/year>, I file a complaint less than XXXX hours. 

Dear CFPB, I am writing to formally file a complaint against Equifax regarding their reporting practices and the unjustified drop in my credit score. 

After submitting a prior complaint about inaccuracies on my credit report, Equifax retaliated by lowering my credit score, despite the fact that I have consistently paid my bills on time. This action is harmful, unfair, and in violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

Specifically : I filed a dispute regarding incorrect information on my Equifax credit report. 

After this filing, my credit score was lowered without cause. 

I have not missed payments, defaulted on accounts, or engaged in any behavior that would justify this negative scoring action.

Under FCRA 602A ( 15 U.S.C. 1681 ) and FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to report accurate information and to reinvestigate disputes in good faith. Lowering my cr
edit score after a valid dispute filing appears to be punitive and retaliatory.

I am requesting that the CFPB investigate Equifaxs handling of my account and take appropriate enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/scrub>XXXX XXXX, I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA XXXX ( b ) ) and the California XXXX Fair Debt Collection Practices Act by sending XXXX certified letters to Portfolio Recovery Associates , LLC ( XXXX ) : ( XXXX ) a debt validation request and ( XXXX ) a cease-and-desist telephone contact request. 

XXXX Certified Mail tracking # XXXX confirms delivery on XX/XX/year> at XXXXXXXX XXXX  to PRAs office in XXXX, VA ( proof attached ). 

On XX/XX/year>2025, PRA responded with partial information, including an electronic summary and a billing statement. However, PRA failed to provide proper validation of the alleged debt. Specifically, they did not provide : An original signed credit agreement, A complete account ledger, A bill of sale or assignment contract showing ownership, or Proof of licensing to collect debts in California. 

Despite their failure to validate, PRA furnished the account to XXXX as a collection tradeline. The account appears as a {$5300.00} collection balance, opened XX/XX/year>, with reporting updated as of XX/XX/year>. XXXX system notes : Completed investigation of FCRA dispute consumer disagrees. 

This conduct violates : FDCPA XXXX ( b ) : PRA continued collection activity ( furnishing the account ) without validating the debt, and FCRA XXXX XXXX XXXX is publishing incomplete/inaccurate data without ensuring maximum possible accuracy. 

This account is causing harm to my credit standing and is currently scheduled to remain until XX/XX/year>. 

Requested Resolution I request that : This collection tradeline be deleted from my XXXX credit file, or At minimum, XXXX mark the account as Disputed Verification Pending until PRA can provide full legal validation. 

I further request CFPB oversight to ensure compliance by both PRA and Experian with federal and state consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: OH

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$380.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$320.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$790.00} -XXXX XXXX XXXX XXXX XXXXXXXX {$5600.00} -XXXX XXXX XXXX XXXX XXXXXXXX {$2600.00} The above accounts that is currently reporting to my credit report is holding up the process of me buying a new home. The accounts is FRAUDULENT and UNAUTHORIZED. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$380.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$320.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$790.00} -XXXX XXXX XXXX XXXX XXXXXXXX {$5600.00} -XXXX XXXX XXXX XXXX XXXXXXXX {$2600.00} The above accounts has filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA805/806/809.demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: OH

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$380.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$320.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$790.00} -XXXX XXXX XXXX XXXX XXXXXXXX {$5600.00} -XXXX XXXX XXXX XXXX XXXXXXXX {$2600.00} The above accounts that is currently reporting to my credit report is holding up the process of me buying a new home. The accounts is FRAUDULENT and UNAUTHORIZED. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$380.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$320.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$790.00} -XXXX XXXX XXXX XXXX XXXXXXXX {$5600.00} -XXXX XXXX XXXX XXXX XXXXXXXX {$2600.00} The above accounts has filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA805/806/809.demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

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