vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Subject : Formal FCRA Dispute Inaccurate Reporting by XXXX  XXXX XXXX, Account # XXXX XXXX XXXX XXXX Dear [ Credit Bureau Name ] XXXX Department, I am writing under the provisions of the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate, incomplete, and inconsistent information being reported on my credit file concerning the above-referenced account with XXXX XXXX XXXX XXXX 
After reviewing my credit reports from all three major credit bureaus, I have found significant inconsistencies and factual inaccuracies that violate FCRA 602 ( a ) ( accuracy of information ), 607 ( b ) ( maximum possible accuracy ), and 611 ( a ) ( reinvestigation of disputed information ). 
Summary of Discrepancies Field XXXX XXXX  Equifax Account Type Revolving Revolving Revolving Account Detail Credit Card Credit Card Account Status Derogatory Derogatory Derogatory High Credit {$4100.00} {$0.00} {$4100.00} Credit Limit {$3500.00} {$3500.00} {$0.00} Past Due {$4100.00} {$4100.00} {$4100.00} Date Last Active XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Payment History Continuous CO charge-offs Multiple OK payments Last Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Inaccuracies and Violations XXXX  reports continuous CO ( Charge-Off ) statuses for multiple consecutive months, while Equifax reports OK ( current ) payment history for those same periods a direct contradiction and proof of unverified and inconsistent data.

The High Credit and Credit Limit amounts differ across bureaus, demonstrating incomplete and inaccurate data transmission from the furnisher. 
Dates of last activity and payment are inconsistent, making it impossible to determine the true status of the account.

The inconsistent reporting violates FCRA 607 ( b ), which requires credit reporting agencies to assure maximum possible accuracy, and 623 ( a ) ( 1 ) ( A ), which requires furnishers XXXX XXXX XXXX XXXX XXXX  to report accurate information to all agencies. 
Because these discrepancies materially affect my creditworthiness, this account can not be considered verified or accurate as reported. 
Requested Action Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), I am requesting that your agency : Conduct a full reinvestigation of the XXXX XXXX  XXXX account ( # XXXX XXXX XXXX XXXX ). 
Verify the information directly with the furnisher. 
Delete or correct any information that is found to be inaccurate, inconsistent, or unverifiable. 
Provide me with written confirmation of your findings and actions within 30 days of receipt of this dispute. 
If XXXX XXXX XXXXXXXX can not fully verify the accuracy of the account information, this tradeline must be removed entirely under FCRA 611 ( a ) ( 5 ) ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
CAINE is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
I am submitting this formal complaint regarding several inaccurate and unverified accounts that are being reported on my credit file. These accounts are severely damaging my credit reputation and appear to be in violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported to consumer reporting agencies be accurate and verifiable. 

The following accounts are being falsely reported as charge-offs or collections : XXXX XXXX XXXX Account No . XXXX Date Opened : XX/XX/XXXX Balance {$0.00} Charged Off XXXX XXXX XXXX Account No. XXXX Date Opened : XX/XX/XXXX Balance {$580.00} Collection XXXX XXXX XXXX XXXXXXXX Account No. XXXX Date Opened : XX/XX/XXXX Balance {$260.00} Collection XXXX XXXX Account No. XXXX Date Opened : XX/XX/XXXX Balance {$49.00} Charge Off I have no knowledge of these accounts, and I have never had any business relationship, credit agreement, or contractual obligation with these companies. These accounts have been inaccurately reported without my authorization or verification, and they are causing me serious harm, including the denial of credit opportunities and emotional distress. 

I have requested that the credit reporting agencies investigate and delete these accounts under the FCRA ( Section 609 and Section 611 ). However, they have failed to provide proper documentation proving the validity and ownership of these accounts. Reporting unverifiable or false information is a direct violation of 15 U.S.C. 1681s-2 of the FCRA.

Therefore, I am requesting the CFPB to investigate these companies and ensure that these unverified and inaccurate accounts are immediately deleted from my credit reports with all credit bureaus. 

I am attaching supporting documentation, including my identification and copies of my credit report highlighting the disputed accounts. 

Thank you for your time and attention to this serious matter. I trust that the CFPB will hold these furnishers accountable and protect my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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 disputing the following items on my Equifax credit report, as I believe they are inaccurate or incomplete. Below is a list of charged-off accounts, inquiries, positive accounts, and late payments that require correction : Charged Off Accounts : XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} Inquiries : XXXX, Date : XX/XX/XXXX Late Payments : XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: NY

Complaint narrative:
I am requesting a reinvestigation of the items listed below on my TransUnion credit report. If these items can not be verified, I request immediate correction or removal in accordance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED-OFF ACCOUNTS ( TU ) Bankruptcy Acct : XXXX | Opened : XX/XX/year> | Balance : {$0.00} LATE PAYMENTS ( TU ) The following late payments may not be fully verified or may be inaccurate. Please validate or remove if unsubstantiated : XXXX  XXXX Acct : XXXX XXXX  Acct : XXXX XXXX Acct : XXXX XXXX  Acct : XXXX XXXX  Acct : 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 2025-11-10 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:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution 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 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
XXXX XXXX Name - XXXX was selling 2 hard to obtain items and there were many referals online. When I did a direct message, the person got back to me, took my address, promising to ship my items, then asked for Zelle payment for which I sent. On the following day when I asked for my tracking information, the user asked me for more shipping money at this point, I said this is a scam. They immediately deleted their XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: MN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year> I requested an ACH withdrawal from my etrade account ro be deposited in my Capital One checking account. XXXX business days later the deposit had not been received. Capital One said they would investigate but only took 1 business day to deny my claim. I have provided a Trace number and an account ID number from XXXX and provided that information to Capital One. This issue has not been resolved as of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: VA

Complaint narrative:
I am disputing the following information on my Equifax credit report. I request a full reinvestigation. If the information can not be verified with proper documentation, I request immediate correction or removal of the items listed below. 

CHARGED-OFF ACCOUNTS XXXX XXXXXXXX XXXX XXXX Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} XXXX Acct : XXXX XXXX Opened : XX/XX/XXXX | Balance : {$0.00} XXXX Acct : XXXX | Opened XXXX XX/XX/XXXX | Balance : {$1200.00} INQUIRIES ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: IL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
XXXX, over {$1000.00} that chime is refusing to dispute or give credit to my account. I believe no real investigation goes on in the fraud department, if my dispute gets denied the very next day each time. I need my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint because my account with XXXX XXXX XXXX was charged off in XX/XX/year>, while I was on active duty military service. At that time, I was entitled to protection under the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3901 et seq., which safeguards servicemembers from certain adverse financial actions, such as repossession or contract termination, without a proper court order. Because this charge-off occurred while I was actively serving, I believe XXXX violated my SCRA rights. 
In addition, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requires that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy in the information they report about consumers. Reporting my account as a charge-off during a protected active-duty period is inaccurate, misleading, and harmful to my credit history. 
I am formally requesting that this charge-off be removed from my credit report and that my account be updated to accurately reflect my XXXX XXXX status at the time of the reporting. I am attaching copies of my XXXX XXXX orders and a recent credit report showing the charge-off entry. I ask that the Consumer Financial Protection Bureau review this matter and ensure that XXXX XXXX XXXX and the credit reporting agencies correct or delete this inaccurate information in compliance with the SCRA and FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
I am filing this complaint because my account with XXXX XXXX XXXX was charged off in XX/XX/year>, while I was on active duty military service. At that time, I was entitled to protection under the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3901 et seq., which safeguards servicemembers from certain adverse financial actions, such as repossession or contract termination, without a proper court order. Because this charge-off occurred while I was actively serving, I believe XXXX violated my SCRA rights. 
In addition, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requires that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy in the information they report about consumers. Reporting my account as a charge-off during a protected active-duty period is inaccurate, misleading, and harmful to my credit history. 
I am formally requesting that this charge-off be removed from my credit report and that my account be updated to accurately reflect my XXXX XXXX status at the time of the reporting. I am attaching copies of my XXXX XXXX orders and a recent credit report showing the charge-off entry. I ask that the Consumer Financial Protection Bureau review this matter and ensure that XXXX XXXX XXXX and the credit reporting agencies correct or delete this inaccurate information in compliance with the SCRA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: VA

Complaint narrative:
I am currently serving on XXXX XXXX in the United States XXXX XXXX and recently discovered multiple inaccurate and adverse items reported on my credit file. These accounts were either opened or became delinquent before or during my XX/XX/XXXX service and were not properly adjusted in accordance with the Servicemembers Civil Relief Act ( SCRA ), specifically 50 U.S.C. 3937. Under this law, pre-service debts must be recalculated to a 6 % interest rate, and creditors are prohibited from reporting negative information or pursuing collections on unadjusted obligations. The continued reporting of these derogatory tradelines and collections is in violation of both the SCRA and the Fair Credit Reporting Act ( FCRA ).

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 2025-11-10 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: MI

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 explanation
Consumer complaint received 2025-11-10 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: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
I received a gift card for {$100.00} dollars from XXXX XXXX. Its an American Express gift card. It wont spend in-person or online.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-11-10 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: DE

Complaint narrative:
My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). I have reason to believe reasonable procedures were not followed to ensure accuracy. I request deletion of disputed items and acknowledgment of statutory liability as the bureau failed to conduct a proper reinvestigation under FCRA 1681i ( a ).

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