vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: IN

Complaint narrative:
I dispute the following items on my Equifax credit report : Charged-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Balance {$16000.00} These accounts show inconsistent balances, zero-balance charge-offs, and conflicting information compared to other bureaus. If Equifax can not fully verify accuracy and reporting authority, these accounts should be deleted or corrected. 

Inquiries I dispute the following inquiries as unauthorized or inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these inquiries unless proof of authorization is provided. 

Late Payments No late payments are listed. Please verify that my payment history is being reported correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
I made a purchase online for {$15.00} to XXXX. Several hours later, my account was debited for {$370.00} and a few minutes later, they tried to debit {$320.00} and {$57.00} which were both declined bc I didnt have funds to cover thankfully. I called Chime the next morning once I saw those charges pending but only got the XXXX  answering service which stated it was being recorded. Immediately I went online and froze my debit card and terminated it and ordered a new one. I made a dispute with Chime about XXXX XXXX but after talking to XXXX different ppl who could barely speak XXXX, I do not think they understood my dispute. I was assured the charges would be taken off and before the last call ended the charges were no longer on my account. The next morning ALL the charges appeared back on my account and were paid. My charge to XXXX hit my checking account as XXXX XXXX XXXX XXXX ( home furnishings ) but hours later the other XXXX charges hit for this same company. I tried to get the specifics for the charges as in where they were initiated and where the supposed merchandise was shipped to with no avail. I only gave XXXX the authority to charge my card and when I researched afterward, there is no such company. However, while researching I have learned many ppl have been scammed by XXXX by selling cheaper baby toys with no shipping, then later a random company takes out additional debits without authorization. This info can be found XXXX XXXX XXXX reviews. Unfortunately, Chime said they investigated my dispute in XXXX days then came back denying my claim. I am out almost {$400.00} and no one can tell me how it was purchased on my account or even what it was for!!! I have received no follow up from XXXX XXXX for the XXXX toy I thought I was buying!!! How can Chime say its legit when there is no such store as XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am so upset and confused!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CHARLES SCHWAB CORPORATION, THE
State: GA

Complaint narrative:
On XX/XX/year>, I was the victim of a jury-duty scam involving impersonation of law enforcement. An individual claiming to be a sheriffs officer threatened me with immediate arrest unless I paid alleged jury-duty fines. Under coercion, I made XXXX payments totaling {$1300.00}, including a cryptocurrency purchase at a XXXX kiosk and XXXX XXXX XXXX debit transactions. 

I promptly reported the incident to local law enforcement and filed a police report, as well as a complaint with the XXXX XXXX XXXX XXXX XXXX. I disputed the transactions with Charles Schwab Bank. On XX/XX/year>, Schwab denied the claims, stating the transactions were authorized based on card-present and device verification, without addressing the documented coercion and impersonation. 

On XX/XX/year>, I submitted a written request for a Regulation E reinvestigation and provided supporting documentation, including the police report and IC3 filing. As of XX/XX/year>, Schwab has not acknowledged or responded to my reinvestigation request despite follow-up messages and phone contact. 

I am submitting this complaint because Schwab has not properly investigated this matter under Regulation E or responded to my reinvestigation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute certain information on my credit report. Please find below the details of the accounts in question, along with the reason for my dispute : CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am formally disputing the accuracy, completeness, and legal validity of the Charge-Off account currently appearing on my credit file. Upon review, I have determined that this account is being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as the information furnished is inaccurate, incomplete, and remains unverified.

Pursuant to FCRA 602 ( a ) and 611 ( 15 U.S.C. 1681i ), I am exercising my statutory right to dispute and demand the reinvestigation of any item of information that is inaccurate or can not be fully substantiated. To date, the furnisher has failed to provide competent evidentiary documentation validating the alleged debt, including but not limited to A signed contract bearing my signature ; Documentation establishing ownership of the debt ; Evidence of authorization or liability ; A complete and accurate accounting of the balance reported.

In accordance with FCRA 609 ( a ) ( 1 ), I hereby request full disclosure of all information in your possession related to this account. Furthermore, under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are explicitly prohibited from reporting information that they knowor should reasonably knowto be inaccurate or unverifiable. The continued reporting of such information constitutes negligent or willful noncompliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Formal Complaint Violations of the Fair Credit Reporting Act I am submitting this formal complaint against Experian, Equifax, and TransUnion for repeated violations of the Fair Credit Reporting Act ( 15 U.S.C. 16811681x ).

Despite submitting disputes and allowing the required investigation period, the credit reporting agencies have failed to ensure maximum possible accuracy, have reported unverifiable information, and have maintained inconsistent identifying data, causing financial and reputational harm.

Specific Violations Include : 1. Failure to Maintain Accurate Personal Information ( 15 U.S.C. 1681e ( b ) ) My date of birth is inconsistently reported across bureaus.

One bureau reports only the year, while others report my full date of birth. 
This inconsistency creates identity integrity issues and violates accuracy standards.

2. Reporting of a False Also Known As Name ( 15 U.S.C. 1681e ( b ) ) The name XXXX XXXX XXXX is reported on my credit file. 
I have never used, authorized, or been legally associated with this name. 
This constitutes mixed-file contamination, a known and prohibited practice. 
3. Reporting Unverified Employer Information ( 15 U.S.C. 1681a & 1681e ) Multiple employers are reported that I do not recognize or never worked for.

These entries were included without verification or documentation.

4. Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ) Disputed items were not fully corrected or deleted.

No proper explanation or verification documentation was provided.

Harm Caused : Credit denials Higher interest rates Emotional distress Damage to reputation Increased risk of identity misattribution Requested Resolution : Immediate deletion of inaccurate and unverifiable information Written confirmation of compliance Correction of all personal identifying data Assurance of procedures preventing future violations If these issues are not resolved promptly, I reserve the right to pursue civil remedies under 15 U.S.C. 1681n and 1681o. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Formal Complaint Violations of the Fair Credit Reporting Act I am submitting this formal complaint against Experian, Equifax, and TransUnion for repeated violations of the Fair Credit Reporting Act ( 15 U.S.C. 16811681x ).

Despite submitting disputes and allowing the required investigation period, the credit reporting agencies have failed to ensure maximum possible accuracy, have reported unverifiable information, and have maintained inconsistent identifying data, causing financial and reputational harm.

Specific Violations Include : 1. Failure to Maintain Accurate Personal Information ( 15 U.S.C. 1681e ( b ) ) My date of birth is inconsistently reported across bureaus.

One bureau reports only the year, while others report my full date of birth. 
This inconsistency creates identity integrity issues and violates accuracy standards.

2. Reporting of a False Also Known As Name ( 15 U.S.C. 1681e ( b ) ) The name XXXX XXXX XXXX is reported on my credit file. 
I have never used, authorized, or been legally associated with this name. 
This constitutes mixed-file contamination, a known and prohibited practice. 
3. Reporting Unverified Employer Information ( 15 U.S.C. 1681a & 1681e ) Multiple employers are reported that I do not recognize or never worked for.

These entries were included without verification or documentation.

4. Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ) Disputed items were not fully corrected or deleted.

No proper explanation or verification documentation was provided.

Harm Caused : Credit denials Higher interest rates Emotional distress Damage to reputation Increased risk of identity misattribution Requested Resolution : Immediate deletion of inaccurate and unverifiable information Written confirmation of compliance Correction of all personal identifying data Assurance of procedures preventing future violations If these issues are not resolved promptly, I reserve the right to pursue civil remedies under 15 U.S.C. 1681n and 1681o. 
Sincerely, XXXX XXXX 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 2025-12-15 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: NJ

Complaint narrative:
I am submitting this complaint with absolute certainty and significant frustration. My credit report contains multiple accounts with errors that I can no longer ignore, as they have been negatively impacting my credit score and interfering with my ability to achieve financial stability and financial freedom. These inaccuracies have caused ongoing hardship and must be addressed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XX/XX/XXXX continental finance XXXX XXXXXXXX XXXX XXXX, NY XXXX Subject : Dispute of Unauthorized Charges on account XXXX To Whom It May Concern, I am writing to formally dispute several unauthorized charges that appear on my recent credit card statement. I am requesting that these transactions be investigated and removed from my account as soon as possible. 


The following charges were not made or authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA {$7.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  {$11.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA {$11.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX, CA {$5.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX * XXXX XXXX XXXX XXXX CA {$100.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX # XXXX XXXX CA {$2.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA {$5.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA {$13.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX # XXXX XXXX CA {$1.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX CA {$2.00} this is my statement of facts I did not authorize any of these purchases, nor did I provide my card to anyone to use on these dates. These charges are fraudulent, and I request that they be removed from my account immediately. 

Please also ensure that no additional unauthorized activity has occurred on this card ending in XXXX ensure you don't violate Electronic Funs transfer act EFTA, Fair credit billing Act FCBA Consumer Financial Protection Bureau ( CFPB ) has been sent a copy for review, California Department of Financial Protection and Innovation ( DFPI ) Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: CA

Complaint narrative:
I'm submitting this complaint regarding XXXX XXXX 's improper handling of a business credit account and the incorrect reporting of that account on my personal account. This account is under a business name, not my persona name. Despite this, XXXX XXXX reported the account on my personal credit report as a collection account, which is inaccurate and damaging. 

When I contacted XXXX XXXX to address payment concerns, a representative advised me that if the business enrolled in their Financial Relief Program, the account would not be reported as late or sent to collections. Based on this assurance, the business enrolled in the program. Upon enrollment, XXXX XXXX added approximately {$3000.00} in interest upfront, increasing the balance from approximately {$17000.00} to {$20000.00} I was told by the representative that as long as a payment was made by XX/XX/XXXX, the account would remain in good standing and would not be negatively reported. Despite meeting the agreed-upon terms, XXXX XXXX reported the account as a collection account on XX/XX/year> this reporting is innaccurate and misleading for the following reasons :. the account is a business account not a personal account. the payment was made as instructed automatically and on time. 
XXXX XXXX assured me the account would not be reported as late or collections .The account was never disclosed to me as being in collections prior to reporting As a result, my personal credit has been negatively impacted due to inaccurate reporting and reliance on representations made by XXXX XXXX XXXX I'm requesting the following resolutions : 1. Immediate removal of the collection account from my personal credit report.

2. Correction of any inaccurate reporting related to this account 3.Written confirmation that the account is being reported correctly and in compliance with applicable laws 4. Review of XXXX XXXXXXXX XXXX handling of business accounts and relief program representations. 
This issue has caused financial harm and distress due to incorrect reporting and miscommunication by XXXX 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 2025-12-15 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: CA

Complaint narrative:
I'm submitting this complaint regarding XXXX XXXX 's improper handling of a business credit account and the incorrect reporting of that account on my personal account. This account is under a business name, not my persona name. Despite this, XXXX XXXX reported the account on my personal credit report as a collection account, which is inaccurate and damaging. 

When I contacted XXXX XXXX to address payment concerns, a representative advised me that if the business enrolled in their Financial Relief Program, the account would not be reported as late or sent to collections. Based on this assurance, the business enrolled in the program. Upon enrollment, XXXX XXXX added approximately {$3000.00} in interest upfront, increasing the balance from approximately {$17000.00} to {$20000.00} I was told by the representative that as long as a payment was made by XX/XX/XXXX, the account would remain in good standing and would not be negatively reported. Despite meeting the agreed-upon terms, XXXX XXXX reported the account as a collection account on XX/XX/year> this reporting is innaccurate and misleading for the following reasons :. the account is a business account not a personal account. the payment was made as instructed automatically and on time. 
XXXX XXXX assured me the account would not be reported as late or collections .The account was never disclosed to me as being in collections prior to reporting As a result, my personal credit has been negatively impacted due to inaccurate reporting and reliance on representations made by XXXX XXXX XXXX I'm requesting the following resolutions : 1. Immediate removal of the collection account from my personal credit report.

2. Correction of any inaccurate reporting related to this account 3.Written confirmation that the account is being reported correctly and in compliance with applicable laws 4. Review of XXXX XXXX 's handling of business accounts and relief program representations.

This issue has caused financial harm and distress due to incorrect reporting and miscommunication by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: MI

Complaint narrative:
TransUnion is continuing to report a XXXX XXXX XXXX public record without providing the legally required method of verification, despite multiple disputes. XXXX has already removed the same public record, demonstrating inconsistent and inaccurate reporting.

I am filing this complaint against TransUnion LLC for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 7 ).

TransUnion continues to report a XXXX XXXX XXXX filed on XX/XX/2023, marked as discharged, despite the fact that : 1. Failure to Provide Method of Verification ( FCRA 611 ( a ) ( 7 ) ) I have disputed this bankruptcy multiple times. TransUnion has responded with generic statements that the information was verified, but has never provided the required method of verification, including : Name of the court Address of the court Case verification source Name of clerk or automated system used Date and manner of verification A generic claim of verified does not satisfy FCRA 611 ( a ) ( 7 ).

2. Inconsistent and Inaccurate Reporting ( FCRA 1681e ( b ) ) The same XXXX XXXX XXXX public record has been removed by XXXX, yet TransUnion continues to report it without explaining how its data is more accurate or why the reporting differs between consumer reporting agencies.

3. Incomplete and Misleading Public Record Reporting TransUnions reporting lacks complete public record details and continues to display the bankruptcy despite unresolved disputes and failure to provide proper verification, rendering the reporting inaccurate and misleading under FCRA 1681e ( b ).

4. Continued Reporting After Repeated Disputes Despite repeated disputes and requests for verification, TransUnion has continued to report this information without curing the verification deficiencies.

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