vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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: PA

Complaint narrative:
To whom may it Concern, I am filing this formal complaint against the credit bureau for repeated violations of the fair credit reporting act ( FCRA ), specifically their failure to conduct a reasonable investigation and their continued reporting of fraudulent accounts on my consumer credit file. I have disputed multiple accounts that are the direct result of identity theft and fraud. These disputes were submitted multiple times through the credit bureau 's online dispute system and clearly stated that the accounts don't belong to me. Despite this, the credit bureau continues to " verify '' these fraudulent accounts without providing any evidence, documentation, or validation proving that the information is accurate or legally attributable to me. This pattern demonstrates a clear failure to conduct a reasonable investigation as required under FCRA 611. Automated or superficial verification processes do not satisfy the bureau 's legal obligation. Repeatedly marking fraudulent accounts as " verified '' without proper investigation constitutes willful noncompliance and reckless disregard for federal law. furthermore, the continued reporting of these fraudulent accounts is causing ongoing financial harm, credit denial, emotional distress and reputation damage. The credit bureau has been placed on notice multiple times that these accounts are fraudulent, yet they have failed to delete the inaccurate information as required under FCRA 607 ( b ). I am requesting that the CFPB required the credit bureau to immediately delete all fraudulent accounts that have been improperly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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:
Full Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Date of Birth : XXXX Companies : XXXX XXXX Account XXXX : XXXX XXXX  / XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Credit Reporting / Fraud / Identity Misuse I am disputing the above collection accounts because I have no agreement with these accounts, they are not mine, and they were reported under the incorrect name XXXX XXXX instead of my full legal name, XXXX XXXX XXXX XXXX XXXX 

These accounts are fraudulent, and I have not authorized them in any way. Despite prior disputes, no verification or proof of legitimacy has been provided by the creditors or collection agencies. 

I request a full investigation under the Fair Credit Reporting Act ( FCRA ) and that these fraudulent accounts be immediately removed from my credit report. I have attached documentation supporting my identity and showing these accounts are not mine.

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 2025-12-27 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: NY

Complaint narrative:
Full Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Date of Birth : XXXX Companies : XXXX XXXX Account XXXX : XXXX XXXX  / XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Credit Reporting / Fraud / Identity Misuse I am disputing the above collection accounts because I have no agreement with these accounts, they are not mine, and they were reported under the incorrect name XXXX XXXX instead of my full legal name, XXXX XXXX XXXX XXXX XXXX 

These accounts are fraudulent, and I have not authorized them in any way. Despite prior disputes, no verification or proof of legitimacy has been provided by the creditors or collection agencies. 

I request a full investigation under the Fair Credit Reporting Act ( FCRA ) and that these fraudulent accounts be immediately removed from my credit report. I have attached documentation supporting my identity and showing these accounts are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate and outdated personal information, which I formally disputed with TransUnion. 
Despite submitting the dispute along with proper supporting documentation, the credit bureau has failed to correct the following : Details of the Dispute : Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. 
I request that my name be updated to reflect the correct and complete legal name. 
Outdated Address : My current residential address is : XXXX XXXX XXXX XXXX XXXX FL XXXX However, my credit report shows an outdated and inaccurate address.

I request that my current address be updated and that all outdated addresses be removed.

1. Incorrect Employers : My current and correct employer is : XXXX XXXX The credit report incorrectly lists employers I have never worked for. 
I request that only verifiable and correct employment information be reported. 
Applicable Laws Violated : The credit reporting agencys failure to remove or correct these inaccurate items violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i Failure to reinvestigate disputed information within the required timeframe 15 U.S.C. 1681g Right to receive complete and accurate information from a credit file 15 U.S.C. 1681s-2 ( a ) Duty of data furnishers to report accurate information CFPB Bulletin 2014-01 Guidance on reinvestigation obligations of CRAs These errors can cause significant harm to my creditworthiness and may associate me with data and accounts that are not mine.

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 2025-12-27 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:
Ive noticed inaccurate accounts reporting to my credit file

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 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/year> mobile deposits were made. These deposits were paychecks that are always deposited. A message was sent that the funds had been placed on hold due to confidential information that the funds could be returned. A representative advised that the funds would be released XX/XX/year>. The funds were not available. Another call was made and the representative advised the message received was a generic message and that a request to release funds were made. The representative reviewed and saw how long Ive been a customer and saw it was normal for these deposits to be made. On XX/XX/year> the funds were not available and another call was made. The representative advised it takes 1-2 business days to review and no one there could release the funds. My account had been reviewed by representatives and it was clear Ive never overdrafted, the timing of depsoits, etc. No assistance has been provided releasing the funds. It appears that no one can assist, they just advised I have to wait. When asked if Truist would cover any bills scheduled to be deducted because of them withholding funds, I was advised they will not cover anything. This has caused hardship with no one correcting the matter.

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 2025-12-27 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: DISCOVER BANK
State: LA

Complaint narrative:
To XXXX, XXXX, Discover On XX/XX/year> I disputed the accuracy of an address being reported on my credit file : both creditors and this reporting agency have the wrong address. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  responded that this address was verified. This address does not belong to me, and I have never resided at or authorized its use. 

Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am formally requesting a detailed description of the method of verification used to determine the accuracy of this address. 

Specifically, please provide : XXXX. The source of the information used to verify this address XXXX. Whether verification relied on automated data, a furnishers database, or a third-party vendor XXXX. The name and contact information of any entity that supplied or confirmed this address XXXX. Documentation showing how XXXX  determined this address belongs to me A generic statement that the information was verified is not sufficient under the FCRA. 

If XXXX  can not provide this information, the address must be deleted immediately as required by federal law. 

Please respond within the time frame mandated by the FCRA. 

XXXX, XXXX, Or Discover can not legally : Verify an address that does not belong to you Use a furnishers database alone to verify identity data Rely on an address verification number without confirming occupancy or authorization Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you have the right to : A description of the procedure used to determine the accuracy of the disputed information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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 am submitting this complaint regarding Equifaxs failure to ensure the accuracy and proper verification of information reported on my consumer credit file, as required under the Fair Credit Reporting Act. Equifax is reporting information that is inaccurate, unverifiable, and not associated with me, demonstrating a lack of reasonable procedures to assure maximum possible accuracy.

Equifax is reporting the address XXXX XXXX XXXX XXXX, XXXX, FL, XXXX, which is not mine. I have no knowledge of this address, have never lived at this location, and have no association with it. This address is inaccurately linked to my credit file and must be deleted. 
Equifax is also reporting another address, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX, which is not mine. I have no knowledge of this address and no connection to it. The continued reporting of incorrect address information reflects improper verification and must be corrected by removal. 
In addition, Equifax is reporting a charge-off account from XXXX XXXX XXXX XXXX XXXX account number ending XXXX, opened on XX/XX/XXXX with a reported high balance of {$7400.00}. I have no knowledge of this account and do not recognize it as mine. Equifax is required to verify this account with competent evidence, and if it can not do so, the account must be deleted. 
Equifax is further reporting a collection account from XXXX XXXX, account number ending XXXX, opened on XX/XX/XXXXXXXX  with a reported balance of {$510.00}. I have no knowledge of this account and do not acknowledge it as mine. Equifax must either provide proper verification that this account belongs to me or remove it from my credit file. 
I am requesting that the CFPB require Equifax to conduct a lawful and thorough reinvestigation of these items, delete any information that can not be verified as accurate, and correct my credit report to reflect only information that is fully substantiated. Equifaxs continued reporting of inaccurate and unverifiable information is not compliant with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: LA

Complaint narrative:
XXXX XXXX I had pay apple vacation for a trip to XXXX it was a hurricane it destroyed XXXX so they had canceled my flight in hotel the amount was XXXX to XX/XX/XXXX vacation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: TX

Complaint narrative:
Ive noticed inaccurate accounts reporting to my credit file

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 2025-12-27 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:
Ive noticed inaccurate accounts reporting to my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: AR

Complaint narrative:
I am submitting this complaint regarding Caine & Weiner XXXX XXXX XXXX for their attempt to collect an alleged debt related to Progressive XXXX after my policy was canceled I did not owe a balance. 

At the time of cancellation, I believed my account was settled appropriately based on the cancellation terms provided by Progressive. Despite this, Caine & Weiner XXXX  has reported and attempted to collect a remaining balance that I dispute. 

I have not been provided with adequate validation demonstrating that this balance is accurate, legally owed, or calculated correctly following the policy cancellation. Additionally, I am concerned that this collection activity may violate the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to attempting to collect an amount not expressly authorized by the agreement or permitted by law.

This alleged debt has caused financial and emotional distress and may be negatively impacting my consumer credit profile. I am requesting that the CFPB investigate the matter and require Caine & Weiner XXXX to provide proper documentation validating the debt or cease collection efforts and correct any inaccurate credit reporting. 

I am requesting the following resolution : Full validation of the alleged debt, including an itemized explanation of charges after cancellation. 

Immediate cessation of collection efforts if the debt can not be validated. 

Removal of any inaccurate or unverified information reported to credit bureaus. 

Written confirmation of the resolution. 

Thank you for your time and assistance in this matter. I appreciate the CFPBs role in protecting consumers from improper debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Independence Capital Recovery, LLC
State: NY

Complaint narrative:
To : XXXX XXXX XXXX XXXX Department XXXX, My name is XXXX XXXX. I do not have any business debts and have never had them. I am submitting this complaint regarding repeated, aggressive debt-collection calls made by a person identifying himself as XXXX XXXX XXXX Independence Capital Recovery , LLC. 

On XX/XX/2025, a colleague of mine contacted me to report that he had received calls and voicemails from XXXX XXXX looking for me about a large business debt. My colleague stated this was the third time XXXX XXXX had contacted him about me and described the caller as extremely aggressive. As a result, my colleague said he no longer wants to work with me. This has harmed my professional relationships and reputation. 

Again, I do NOT have any business debts and have NEVER had them. Because the caller was contacting third parties and asserting I owed a major debt, I became concerned about possible identity theft ( I have previously experienced credit card information theft ). 
I called Independence Capital Recovery , LLC to verify the situation and to request they stop contacting anyone about me and spreading lies and misinformation. During these calls, the representatives I spoke with were EXTREMELY aggressive and pushy. After XXXX separate calls, the company acknowledged that I was not the person they were trying to reach. 

I am requesting that the XXXX  assist with the following : - Written confirmation from Independence Capital Recovery , LLC that I do not owe any debt to them and that I was contacted in error. 
- Immediate cessation of all calls, texts, and any third-party contact regarding me, my phone number, or my colleagues. 
- An explanation of why my name was associated with this alleged debt and how my colleagues contact information was obtained and used. 
- Confirmation that my information has been removed from their records and that it will not be reintroduced or sold/shared. 

I can provide additional details such as dates/times of calls, screenshots of messages ( if available from my colleague ), and my call log upon request. 

Thank you for your help in resolving this matter. 

Sincerely, XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: NY

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA
State: AL

Complaint narrative:
I contacted FNBO on XX/XX/XXXX to send my negative balance of over {$1400.00} dollars to me in a check. I ad this credit balance due to canceling a cruise and airline tickets that I had paid for. Today, the XXXX I still had not received my check. I called again and was told accounting had been busy and perhaps TUESDAY they would send it. It is my money and I want it now.

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 2025-12-27 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: FL

Complaint narrative:
I am submitting a formal complaint against Equifax consumer solutions for continuing to report inaccurate and unverifiable information on my credit report, in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ). 
On [ Date of credit report ], I identified discrepancies in the following account : Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ccount : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX  XXXXXXXX XXXX Issue : [ Describe inaccuracies such as incorrect balance, wrong status, inconsistent dates ] I submitted a dispute directly with the credit bureau and requested a reinvestigation pursuant to : FCRA Section 611 ( 15 U.S.C. 1681i ) : Right to dispute inaccurate information and receive a reinvestigation within 30 days FCRA Section 609 ( a ) ( 1 ) ( A ) : Right to request original documentation for verification ( e.g., signed consumer contract ) FCRA Section 623 ( a ) ( 5 ) : Requirement to delete any information that can not be verified with the original creditor FCRA Section 1681e ( b ) : Obligation to ensure maximum possible accuracy in reporting Despite my detailed request, the bureau failed to conduct a proper reinvestigation within the 30-day period, and the disputed information remains on my report. This inaction has negatively affected my credit profile and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: NAVY FEDERAL CREDIT UNION
State: WI

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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief