vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Zelle permanently suspended my account without cause after I received a few small transfers from family members. These were legitimate personal transactionsabout XXXX transfers, each under $ XXXXintended to help another family member in need. None of these transactions were fraudulent or XXXX-related. 

Without giving me notice, Zelle closed my account and made the suspension permanent. I was not contacted for verification, nor was I given an opportunity to explain or provide any supporting documentation. No investigation was conducted, and I feel I was treated unfairly. 

This has caused me frustration and inconvenience because most major banks now use Zelle as a primary way to send and receive money. By shutting me out without justification, Zelle has restricted my ability to use a common financial service that is tied directly to my bank. 

I am requesting that Zelle review this decision, conduct a proper investigation into my account activity, and reinstate my access to the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXX XXXX   -- {$18000.00} XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The following companies are reporting inquiries without my permissible purpose or authorization under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX  ( Auto Financing ) XXXX XXXX XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX  ( Auto Loans ) XX/XX/XXXX Under 15 U.S. Code 1681b, a consumer reporting agency may only furnish a consumer report when there is a permissible purpose. I did not authorize, apply, or consent to several of the above inquiries. Therefore, they are in direct violation of the FCRA.

If you can not provide written proof of permissible purpose with my signature of authorization, these inquiries are to be deemed unlawful and must be deleted 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 non-monetary relief
Consumer complaint received 2025-10-01 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: AK

Complaint narrative:
I am writing to respectfully request an investigation into certain information currently reported on my credit file. I value the role that the 3 Credit Bureaus plays in maintaining fair and accurate credit reporting, and I am asking that my file be reviewed under the protections afforded to me by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which ensures that consumers have the right to dispute information believed to be inaccurate or incomplete. 
Over time, as my personal and financial history has evolved, Ive noticed a few details on my report that do not fully reflect reality. Allow me to explain. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, WA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, WA, XXXX XXXX XXXX XXXX XXXX XXXX : {$10000.00}

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 non-monetary relief
Consumer complaint received 2025-10-01 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: MI

Complaint narrative:
I am submitting this complaint against Equifax, Experian, and TransUnion for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding my credit file. 

Despite multiple disputes, including my most recent submission, the bureaus have failed to correct inaccurate information or provide a legally sufficient response. Instead, they continue to issue generic verified statements without providing the method of verification required under 15 U.S.C. 1681i ( a ) ( 7 ). Their failure to reasonably reinvestigate and ensure accuracy constitutes violations of 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681e ( b ). 

Disputed Items Still Unresolved Incorrect Personal Information Previous Address : XXXX XXXX XXXX XXXX XXXX, MI XXXX Previous Address : XXXX XXXX XXXX, XXXX, MI XXXX Employers : XXXX  XXXX  Employers : XXXX XXXX Late Payments ( Closed/Paid Accounts ) XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failures by the Bureaus The credit bureaus have failed to provide : The specific method and process used to verify the accounts and personal information The full name, title, and contact details of the furnishing entities Any documentation relied upon to confirm the disputed information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
Reporting Act ( FCRA ) negative information such as a charge off should be reported only once, reflecting the date it was charged off. Under the FCRA, credit reporting agencies are required to ensure accuracy of the information they provide ( 15 U S C 1681 e ( b ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the of the initial delinquency that led to the charge-off ( 15 U. S. C 1681 c ( a ) ( 4 ). Repeatedly reporting the charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: FL

Complaint narrative:
XXXX XXXX XXXX is inaccurately reporting my account ( Acct # XXXX / XXXX ). Experian lists it as Charge Off/Other Derogatory with a {$160.00} balance. XXXX  shows repeated CO ( charge-off ) notations through XXXX, even though the accounts last activity was in XXXX XXXX does not report the same account at all. 

This inconsistent and misleading reporting violates FCRA Section 623 ( 15 U.S.C. 1681s-2 ), which requires furnishers to provide accurate and complete information, and FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires credit bureaus to ensure maximum possible accuracy. The repeated monthly charge-off coding appears to be re-aging, which is prohibited.

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 2025-10-01 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: FL

Complaint narrative:
XXXX XXXX XXXX is inaccurately reporting my account ( Acct # XXXX / XXXX ). XXXX lists it as Charge Off/Other Derogatory with a {$160.00} balance. TransUnion shows repeated CO ( charge-off ) notations through XXXX, even though the accounts last activity was in XXXX XXXX does not report the same account at all. 

This inconsistent and misleading reporting violates FCRA Section 623 ( 15 U.S.C. 1681s-2 ), which requires furnishers to provide accurate and complete information, and FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires credit bureaus to ensure maximum possible accuracy. The repeated monthly charge-off coding appears to be re-aging, which is prohibited.

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 2025-10-01 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: AK

Complaint narrative:
I am writing to respectfully request an investigation into certain information currently reported on my credit file. I value the role that the 3 Credit Bureaus plays in maintaining fair and accurate credit reporting, and I am asking that my file be reviewed under the protections afforded to me by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which ensures that consumers have the right to dispute information believed to be inaccurate or incomplete. 
Over time, as my personal and financial history has evolved, Ive noticed a few details on my report that do not fully reflect reality. Allow me to explain. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, WA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, WA, XXXX XXXX XXXX XXXX XXXX XXXX : {$10000.00}

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 2025-10-01 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: AK

Complaint narrative:
I am writing to respectfully request an investigation into certain information currently reported on my credit file. I value the role that the 3 Credit Bureaus plays in maintaining fair and accurate credit reporting, and I am asking that my file be reviewed under the protections afforded to me by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which ensures that consumers have the right to dispute information believed to be inaccurate or incomplete. 
Over time, as my personal and financial history has evolved, Ive noticed a few details on my report that do not fully reflect reality. Allow me to explain. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, WA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, WA, XXXX XXXX XXXX XXXX XXXX XXXX : {$10000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under XXXX USC XXXX ( b ) and XXXX USC XXXX, I have the right to an accurate and verifiable credit file. I request a thorough investigation of these accounts, and if they can not be confirmed as accurate, they must be deleted.

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 2025-10-01 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: FL

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint regarding the inaccurate and inconsistent reporting of my XXXX XXXX XXXX XXXX XXXX  across the XXXX credit reporting agencies. This tradeline has been mishandled and reported in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Irregularities Identified Equifax Account Deleted Status shows Deleted/ Removed. 

This confirms that the account was previously disputed and resolved in my favor. 

XXXX  Refusal to Delete Experian continues to report the account with derogatory late payments ( 3060 days past due ). 

Status incorrectly remains as In Dispute despite deletion from other CRAs. 

This is a clear reinsertion violation and failure to maintain consistency. 

XXXX Positive Status TransUnion reflects the account as Positive, current, with no late payments. 

Confirms that XXXX reporting is inconsistent and inaccurate. 

Conflicting Activity & Reporting Dates Equifax Last Activity XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  different last activity dates for the same account is impossible, demonstrating inaccurate data furnishing. 

Laws Violated FCRA 611 ( a ) ( 5 ) ( B ) : Prohibits reinsertion of deleted accounts without proper notice.

FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy.

FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing of false or misleading information by the furnisher. 

FDCPA 807 : False representation of the legal status of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: VA

Complaint narrative:
In late XXXX, I attempted to open a key bank account online from website and the promotion terms located here : https : //www.key.com/XXXX XXXX disclosure Unfortunately, I received a webpage error when attempting to open online and I was told to go in branch. When I went in-branch, the banker assured me that they could still apply the promotion code after the fact ( code : XXXX ). 

When I followed up with the banker, she stated that she was still working it and then ultimately told me that I was denied because I didn't open it online even though she had previously stated I would be eligible. She suggested that I close my account and re-open via online which I did not feel comfortable doing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: OR

Complaint narrative:
These Accounts Is Fraudulent Under FCRA Section 605B. I Am A Victim Of Identify Theft. I Did Not Open These Account. Please Permanetly Remove It From My Credit Report Immediately. 

XXXXXXXX # : XXXXXXXX XXXX # : XXXX XXXX # : XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Last 4 SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: MI

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for failing to correct or verify inaccurate payment history that I have disputed multiple times. 

This is my third dispute regarding late payments that I believe are the result of billing errors under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and inaccurate reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i ). I first disputed over 35 days ago, and despite repeated follow-ups, the credit bureaus have not provided any documentation to substantiate the reporting of these late payments.

The following accounts continue to be reported inaccurately as late : XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The reported late payments may be invalid because of : Failure to properly post or credit timely payments. 

Creditor computation or accounting errors. 

Failure to send billing statements at least 21 days before the due date, making the late payment reporting legally invalid. 

The credit bureaus have failed to provide : The method of verification used. 

The name and contact details of the furnishers. 

Any documentary evidence supporting the continued reporting of these late payments.

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 2025-10-01 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: FL

Complaint narrative:
When I reviewed my TransUnion credit report, I was shocked to discover multiple late payment entries that are being reported inaccurately, despite all of these accounts being either paid in full or current with no past due amounts. The accounts in question include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Past Due : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Past Due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Past Due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Past Due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Past Due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} - Past Due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} - Past Due : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} - Past Due : {$0.00} These accounts are being inaccurately reported as late or delinquent when in fact they were fully paid or current on the dates listed. Reporting these accounts as late payments misrepresents my creditworthiness, violates the Fair Credit Reporting Acts requirement under 15 U.S.C. 1681e ( b ) for maximum possible accuracy, and creates a false impression of financial irresponsibility.

The consequences of this inaccurate reporting have been significant. Because these accounts appear as late payments, I have been unfairly penalized with lower credit scores, higher interest rates on credit offers, and additional scrutiny from lenders and service providers. This misreporting has caused ongoing stress, frustration, and practical financial harm, as I have had to spend considerable time and energy trying to correct errors that were never my fault.

Under 15 U.S.C. 1681i, I am entitled to a full reinvestigation of any disputed information. TransUnion can not simply accept the furnishers electronic data ; verification must include original account documentation, such as statements, payment records, or other proofs confirming these accounts were paid and current as reported. Any failure to provide such verification constitutes a violation of my rights under 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 non-monetary relief
Consumer complaint received 2025-10-01 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: MD

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are late payment entries on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, credit reports must include only information that is accurate, complete, and capable of being verified. I am requesting verification of these entries, and if they can not be substantiated, I ask that they be corrected or deleted.

Company response to consumer: Closed with non-monetary relief