vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life. 

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
I am writing to file a formal dispute for the following accounts on my credit report, which I believe to be inaccurate or reported incorrectly. Below are the details for the accounts that need review : Charged-Off Accounts : XXXX Account Number : XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$0.00} XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX 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 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: MI

Complaint narrative:
I made a payment on XX/XX/XXXX of {$2500.00} to lower my balance because I have a trip coming up out of the country so I could use the card if emergencies arise but they lowered my credit limit supposedly before I submitted my payment and now when I found out just a week after they lowered my limit I called to request the returned payment I was told it was approved to refund the full amount minus the monthly payment which is understandable I only received {$520.00} back which maxed out my account its actually over the limit now I have been told by numerous customer support agents a variety of things everytime I call they tell me something different. There is a lot of nefarious things that are compiling to me. This company is not transparent as they claim to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX Equifax & XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
U.S. Bank, XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX Headquarters Amount Claimed : {$1700.00} STATEMENT OF CLAIM Parties & Jurisdiction Plaintiff resides in XXXX XXXX, Arizona. Defendants U.S. Bank, XXXX. ( U.S. Bank ) and XXXX XXXXXXXX XXXX XXXXXXXX. ( XXXX XXXX ) do business in Arizona and are subject to this Courts jurisdiction. The amount in controversy is within the small claims limit. 

Facts a. On or about XX/XX/year>, Plaintiff instructed U.S. Bank to wire {$1700.00} to XXXX XXXX XXXX ( XXXX Line ) for purchase of a shipping container. 
b. Before authorizing the transfer, Plaintiff personally verified the XXXX address on the invoice and requested that U.S. Bank confirm that the receiving account matched the stated company. 
XXXX U.S. Bank assured XXXX it would verify the recipient and, after review, wired the funds to a XXXX XXXX account. 
d. The purported seller was fraudulent. Plaintiff obtained a wire-recall notice and both banks were promptly informed. 
e. XXXX XXXX advised there were no funds in the recipient account. U.S. Bank later sent only a brief email stating there was no further information and refused reimbursement. 
f. Plaintiff filed a fraud report with the XXXX Police Department, Report XXXX. XXXX. 
g. U.S. Banks branch manager admitted their review merely checked for a name/number match and told Plaintiff to take us to court.

Claims Defendants negligently failed to exercise reasonable care in processing, verifying, and recovering Plaintiffs wire transfer, resulting in loss of {$1700.00}. 

Damages Plaintiff seeks {$1700.00}, plus court costs and any other relief deemed just.

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 2025-11-24 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:
My credit report still shows inaccurate accounts and none of them were taken off. Please look through the documents I provided very carefully because I need this fixed so I can finally have peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
Original creditor XXXX XXXXXXXX XXXX  Amount owed : XXXX Account opened : XX/XX/XXXX Account debt collector contact information Contact info Name : XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, XXXX GA XXXX Phone number : ( XXXX ) XXXX Original Creditor : XXXX XXXX XXXX Amount owed : {$87.00} Account opened : XX/XX/XXXX Account debt collector contact information Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX WA XXXX Phone number : ( XXXX ) XXXX Original Creditor : XXXX XXXX XXXX XXXX Amount owed : XXXX Account opened : XX/XX/XXXX Debt collector contact information Name : INNOVATIVE RECOVERY IN Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone number : ( XXXX ) XXXX Original creditor : XXXX XXXX Amount owed XXXX Account opened : XXXX XXXX Name : XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone number None provided All of these accounts have been opened without my permission. I have contacted these apartments and was told I needed to file a police report and identity theft. I have filed a police report and now filling out identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: FL

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-11-24 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: FL

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-11-24 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: IN

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-24 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:
I am a consumer attempting to correct inaccuracies on my credit reports. I am filing this complaint because the information listed below is being reported inaccurately, incompletely, or in a misleading manner. I am requesting a full investigation under the FCRA, including verification of all data, full compliance with 602 ( A ), 607 ( B ), and 611, and the removal of any unverifiable or inaccurately reported information. 

Charged Off Accounts XXXXXXXX XXXX XXXXXXXX, Acct # : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} This account is being reported inaccurately. I am requesting verification of all details, including balance, dates, and reporting compliance. If the furnisher can not fully verify the accuracy, please delete the account. 

Inquiries XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX These inquiries are appearing without my authorization. Please provide proof of permissible purpose under FCRA 604. If you can not validate, please remove them. 

Late Payments XXXX XXXXXXXX, Acct # : XXXX XXXX XXXX, Acct # : XXXX XXXX Acct # : XXXX These late payments are being reported inaccurately. I am requesting full verification of the dates, delinquency history, and compliance with Metro 2 standards.

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 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime emailed me a referral promotion offering {$350.00} for referring a friend. After referring a qualifying friend who met all requirements, I only received {$150.00}, which is not the amount Chime promised. 

When I attempted to resolve this with Chime support, I was refused escalation, hung up on multiple times, accused of lying, and told supervisors did not receive emails despite receiving automated confirmations stating that they viewed them. 

I have screenshots of the original promotional email showing the {$350.00} amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
I am filing a complaint because XXXXXXXX XXXX XXXX XXXX XXXX, reporting on behalf of XXXX XXXX, is furnishing inaccurate, unverifiable, and misleading information on my credit reports. The account appears as a closed collection but is still showing a 100 % balance owed, which is materially inconsistent and violates the FCRA requirement for maximum possible accuracy. 

Additionally, the furnisher recently updated the reporting date to XX/XX/XXXX, even though the account was closed in XX/XX/XXXX. This appears to be illegal re-aging of a derogatory account, a direct violation of FCRA 623 ( a ) ( 5 ), which prohibits changing the date of first delinquency or manipulating dates to extend negative reporting. 

The account also contains conflicting or incomplete data including : Closed status while simultaneously reported as an active collection Balance not reduced or updated, showing the same as highest balance Dispute remarks but no proof of reinvestigation No documentation has ever been provided to verify the debt under FDCPA 809 These inconsistencies violate FCRA 607 ( b ) ( requirement for accuracy ), FCRA 611 ( reinvestigation and verification requirements ), and FCRA 602 ( A ) ( consumer right to fair and accurate reporting ). 

I requested verification and correction, but the information continues reporting inaccurately. The furnisher and/or credit bureaus have failed to provide : The original signed contract Proof of legal assignment or ownership Itemized accounting The correct Date of First Delinquency Proof of investigation Because the account can not be verified accurately or legally, it must be deleted from my credit reports. 

I am requesting the CFPB order the furnisher and credit bureaus to : 1. Provide full documentation proving the accuracy and legal validity of the account ; OR 2. Permanently delete the account from all credit reports due to unverifiable, inaccurate, and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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 filing a complaint because XXXXXXXX XXXX XXXX XXXX XXXX, reporting on behalf of XXXX XXXX, is furnishing inaccurate, unverifiable, and misleading information on my credit reports. The account appears as a closed collection but is still showing a 100 % balance owed, which is materially inconsistent and violates the FCRA requirement for maximum possible accuracy. 

Additionally, the furnisher recently updated the reporting date to XX/XX/XXXX, even though the account was closed in XX/XX/XXXX. This appears to be illegal re-aging of a derogatory account, a direct violation of FCRA 623 ( a ) ( 5 ), which prohibits changing the date of first delinquency or manipulating dates to extend negative reporting. 

The account also contains conflicting or incomplete data including : Closed status while simultaneously reported as an active collection Balance not reduced or updated, showing the same as highest balance Dispute remarks but no proof of reinvestigation No documentation has ever been provided to verify the debt under FDCPA 809 These inconsistencies violate FCRA 607 ( b ) ( requirement for accuracy ), FCRA 611 ( reinvestigation and verification requirements ), and FCRA 602 ( A ) ( consumer right to fair and accurate reporting ). 

I requested verification and correction, but the information continues reporting inaccurately. The furnisher and/or credit bureaus have failed to provide : The original signed contract Proof of legal assignment or ownership Itemized accounting The correct Date of First Delinquency Proof of investigation Because the account can not be verified accurately or legally, it must be deleted from my credit reports. 

I am requesting the CFPB order the furnisher and credit bureaus to : 1. Provide full documentation proving the accuracy and legal validity of the account ; OR 2. Permanently delete the account from all credit reports due to unverifiable, inaccurate, 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 non-monetary relief