vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: AZ

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX XXXX  and the three major credit bureaus ( Experian, TransUnion, and Equifax ) are reporting inconsistent, inaccurate, and incomplete information regarding my account, in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX  Specific Issues : XXXX. Conflicting Account Closure Dates TransUnion reports closure as XX/XX/XXXX, while Experian and Equifax continue updating delinquency and charge-off statuses into XX/XX/XXXX, which is impossible for a closed account. 
XXXX. Multiple and Contradictory Charge-Off Dates Experian lists charge-offs in XX/XX/XXXX and again in XX/XX/XXXX ; Equifax shows a major delinquency in XX/XX/XXXX ; TransUnion lists Charge-off without matching dates. 
XXXX. Improper Re-aging of Debt Reporting new delinquency dates years after the account closure extends the reporting period beyond the legal limit under FCRA 623 ( a ) ( 5 ). 
XXXX. Past Due Balances After Charge-Off All three bureaus report ongoing past due balances post-charge-off, which is not accurate reporting. 
XXXX. Incomplete Payment History TransUnion omits key payment history months, violating FCRA 609 ( a ) ( 1 ).

Laws Potentially Violated : FCRA 602 & 607 ( b ) : Failure to ensure maximum possible accuracy. 
FCRA 609 ( a ) ( 1 ) : Failure to maintain and disclose complete records.

FCRA 611 : Failure to conduct reasonable reinvestigation.

FCRA 623 ( a ) : Prohibition on reporting inaccurate information and re-aging accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
On XX/XX/XXXX I opened a current account thinking I would receive some sort of XXXX XXXX. I wasnt offered XXXX XXXX so I closed the account. To show current my paycheck I was told to login to my XXXX account through there website. 

Little to my knowledge I didnt know that had without my consent communicated to XXXX that I want my entire paycheck to be deposited to my current account. The account was only active for XXXX minutes and I never agreed or received any record of direct deposit change. From current at any point. 

My bills will be late because of there unauthorized change of my direct deposit information. I am not the first to speak on this matter. Its a issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX ( XXXX  ) for reporting inaccurate and damaging information about my banking history. 
According to XXXX, I am debt-free and have no unpaid balances with any financial institution. 
Despite this, XXXX  continues to report information that suggests I have outstanding debt. 
This reporting is inconsistent, false, and in violation of the Fair Credit Reporting Act ( FCRA ) requirement that consumer information be accurate, complete, and verifiable. 
I have contacted XXXX  directly and requested an investigation, but the inaccurate information remains. 
I am requesting that the CFPB : XXXX. Require XXXX  to conduct a full reinvestigation. 
XXXX. Require XXXX  to provide proof of the alleged debt. 
XXXX. Order XXXX  to remove any and all inaccurate or unverifiable entries from my file. 
This situation is negatively affecting my ability to open accounts and conduct normal banking business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: DC

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the 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 2025-08-15 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-15 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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:
I am submitting this formal complaint to the Consumer Financial Protection Bureau regarding multiple inaccuracies, unauthorized items, and reporting violations on my consumer credit report. These items are causing significant harm to my creditworthiness, financial opportunities, and overall reputation. I am requesting a thorough investigation, deletion of all inaccurate data, and immediate compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable laws. The credit bureaus and furnishers are legally obligated to ensure the maximum possible accuracy of the information they report, yet these items remain despite prior disputes and clear evidence of inaccuracy, non-verification, or improper reporting. Below I am listing each disputed item with specific legal violations and supporting explanation for removal. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$610.00} Late Payment Law : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report information they know or should know is inaccurate. 
Issue : Late payment being reported is inaccurate and unverifiable. 
Story : I have maintained consistent payment history on this account. The reported late payment is either a reporting system error or based on incorrect data. This false late payment is lowering my credit score and misrepresenting my creditworthiness to potential lenders. Unless you can provide the original signed agreement and full payment history directly from the original creditor showing this alleged delinquency, this item must be removed. 

I am demanding the immediate deletion of all inaccurate addresses, unverifiable accounts, and unauthorized inquiries listed above. The credit bureaus and furnishers have failed to provide proper documentation despite their legal obligations under FCRA and FDCPA. If they can not produce original signed contracts, complete payment records, or proof of permissible purpose for each inquiry, these items must be deleted. These inaccuracies are causing me severe harm, including denial of credit, higher interest rates, and reputational damage. I request the CFPB to take enforcement action to ensure compliance and hold the reporting agencies and furnishers accountable.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am formally disputing the late payment entry currently reported on my credit file. My payment history demonstrates that all payments were made on time, and the reported late payment is incorrect. This misreporting misrepresents my responsible financial behavior and is negatively affecting my credit standing.

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 2025-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX Date : XX/XX/year> Capital acct XXXX XXXX XXXX XXXX, TN XXXX Re : Cease and Desist Account No. XXXX To Whom It May Concern, I am writing regarding the above-referenced account, which you claim is associated with my name. I dispute the validity of this alleged debt and demand that you immediately cease and desist from any and all communication with me regarding this matter, except as allowed under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c. 

This letter serves as formal notice that : I do not acknowledge or admit to owing any debt to Capital One. 

I request that you provide, in writing, full validation of the alleged debt, including the original signed agreements and complete account history. 

You are to stop all further contact with me by phone, email, or any other method, except to provide the requested debt validation or to inform me of specific legal action you intend to take. 

Failure to comply with this request may result in me filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Attorney Generals Office, and I may pursue all legal remedies available to me. 

Please note that any attempt to report this alleged debt to any credit reporting agency without proper validation will be considered a violation of the Fair Credit Reporting Act ( FCRA ) and will be addressed accordingly. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-08-15 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-15 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:
I have no connection to these accounts ; please delete them within 15 days per USC 1681g.

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 2025-08-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NC

Complaint narrative:
I have a cash app account on Tuesday XX/XX/XXXX evening I updated my external bank card on the account. I wanted to send money to my new bank account. When I tried to do so they blocked the transaction and locked my account. I received an email stating it would be XXXX hours then my account would be unlocked. I got on their chat support and contacted them after the XXXX hours mark, I also called them. I keep getting the same thing told to me. That they are investigating my account for suspicious activity, and it will take XXXX hours. It has been XXXX hours now. My paycheck was blocked from the account, and I still do not have access to my funds that are on it, there is {$940.00} on the account right now and I need that money to pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BMW Financial Services NA, LLC
State: PA

Complaint narrative:
Complaint I am filing this complaint regarding a fraudulent BMW Financial Services account that has been unlawfully reported on my XXXX credit report for XXXX years. I have no connection to this account, and it was allegedly opened during a period when I was not physically present or able to open any account. This is not my debt. 

I have disputed this matter with both BMW Financial Services and XXXX on more than XXXX separate occasions, providing proof that I could not have opened this account. XXXX XXXX XXXX removed all fraudulent accounts from my reports, yet XXXX  continues to report this account solely because BMW Financial continues to verify it, despite having no valid evidence such as a signed contract or identification. 

The accounts continued reporting violates the Fair Credit Reporting Act, including but not limited to : FCRA 605 ( a ) ( 4 ) ( XXXX reporting limit ) this account is XXXX XXXX XXXX. 
FCRA 611 ( failure to reasonably investigate disputes ).

FCRA 605B ( failure to block fraudulent information upon receipt of an identity theft report ). 

I have also filed a report with the Federal Trade Commission and a police report. I am now seeking legal representation to pursue action against both XXXX  and BMW Financial Services for willful violations of federal law. 

This inaccurate reporting has caused ongoing harm to my ability to obtain credit, including being denied the opportunity to purchase a home. I am requesting that the CFPB require XXXX to immediately delete this fraudulent account from my credit report and ensure BMW Financial ceases furnishing false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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:
This late entry might not be correctI 'd like it reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: CT

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 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 2025-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed bankruptcy in XX/XX/year> due to a major financial hardship, this information is available on my credit report. It is against the law for creditors or collection agencies to report any delinquency to bureaus when consumers are under an automatic stay in federal bankruptcy court whether the creditor is included in the bankruptcy or not. I dont have any business with any collection agency as they buy old debts of consumers from medical companies and go out harassing people to pay them for the debt that they bought to keep their business going. Please note this is what has happened in this case against me. I found out about this debt from looking at my credit karma account. Equifax has knowingly allowed XXXX XXXX XXXX to report a debt that is legally no longer owed by me the consumer who is under an automatic stay in an active bankruptcy. I have no knowledge of this company or this debt. I have called Equifax and disputed this debt multiple times and requested they remove the debt as it is illegally being reported. They refused by stating any creditor can report a debt that is not included in a bankruptcy. That is not what the law states and they know it. I told them I will report them to this bureau because they arent above the law. Furthermore I advised them that I have no business with the creditor and no knowledge of any debt owed because as a consumer under an automatic stay in federal bankruptcy court I cant apply or obtain any new debt without the courts permission and I havent. It is an attempt by the collection agency to coerce me to pay them and that is a direct violation of the automatic stay in place by the federal bankruptcy court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: NJ

Complaint narrative:
Please investigate this delayed entryit might not be correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing the late payment currently listed on my account. All my payments have been made in accordance with the agreed terms, and the reported delinquency is factually incorrect.

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 2025-08-15 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: NC

Complaint narrative:
The company reported an account to all three credit bureaus on 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 2025-08-15 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: NC

Complaint narrative:
The company reported an account to all three credit bureaus on 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