vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtainn credit. It is my understanding you will investigate these items for me to ensure accuracy.

Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX Transunion : XXXXXXXX XXXX XXXX XXXXXXXX

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
SchoolsFirst is reporting XXXX charged-off accounts on my credit report : account numbers ending in XXXX, XXXX, and XXXX. I disputed these accounts directly with Experian and TransUnion and also attempted a direct dispute with SchoolsFirst.

Neither bureau provided documentation to support the late-payment history or charge-off status. SchoolsFirst did not provide any validation or proof of the reporting when contacted. 

All three accounts were verified with identical responses, but no evidence or account records were supplied by the furnisher or the credit bureaus. This appears to be an improper verification under FCRA 623 and 611. 

I am requesting a proper investigation and documentation proving the accuracy of the reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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 AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Subject : Urgent : Funds Withheld Over 30 Days Immediate Release or Return Required To Whom It May Concern, I am writing to request immediate assistance regarding a serious issue involving a {$3000.00} check I wrote from my XXXX XXXX XXXX  account. The intended payee deposited the check through Bank of America mobile deposit. Bank of America withdrew the full {$3000.00} from my account ; however, the funds have not been released to the payee nor returned to my bank.

It Has Been Over 30 Days With No Resolution This issue has now been ongoing for more than 30 days.

During this time : Bank of America has not released the funds, Bank of America has not returned the funds, and No written or verbal explanation has been provided regarding the prolonged hold.

A delay exceeding 30 days is unacceptable and inconsistent with normal banking regulations and check processing procedures, especially since the funds were fully withdrawn from my account.

Summary of the Issue Check amount : {$3000.00} Deposited via Bank of America mobile deposit Funds were withdrawn from my XXXX XXXX account immediately Both banks acknowledge that the money was taken by Bank of America Bank of America is holding the funds without explanation Repeated attempts to resolve this with Bank of America have resulted in being transferred between departments, receiving conflicting answers, or being told no one can help because the deposit was mobile. There has been zero progress.

Documentation Provided I am attaching : 1. A screenshot from my XXXX XXXX online banking showing the processed transaction Debit Check 460 and the check image.

2. A photograph of the payees Bank of America debit card showing the payees name ( XXXX XXXX ), confirming the exact account into which the check was deposited.

This proves that : Bank of America received the deposit, Bank of America withdrew the funds, The deposit was linked to a valid customer account, Yet the funds remain in limbo for over a month.

Requested Resolution Given the extended delay, I urgently request that Bank of America : 1. Release the {$3000.00} to the intended payee immediately, or 2. Return the {$3000.00} to my XXXX XXXX account without further delay.

I also request a written explanation detailing : Why the funds were withdrawn, Why the check was not processed or returned properly, and Why the funds have been held for over 30 days with no resolution.

Thank you for your immediate attention. I expect a prompt written response. 

Sincerely, XXXX XXXX Phone : XXXX Email : 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 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
I have two Wise account, one under my personal email address, XXXX, and another one under my company email address, XXXX. 
Wise suddenly closed my accounts, and I have about {$9300.00} left in these accounts. Wise never contacted me.

I need the money to pay my rent and company expense. I need MY money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: WA

Complaint narrative:
I tried to file a dispute w experian to file a personal statement Experian only allows selection of pre-determined statements. I can not enter the details of my dispute Experian has not provided the means to log a perspnal refutal of their incorect information per the Fair Credit Reporting Act ( FCRA ) I have never been identified as XXXX XXXX XXXX I demand Experian remove this derogatory and incorrect information witihin 10 days or face penalties of {$1000.00} USD per day

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 2025-12-04 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NY

Complaint narrative:
This is a second and final notice. I'm reaching out again regarding fraudulent accounts and unauthorized inquiries being reported under my name. Let me be clear : I am the consumer, and I am writing this letter personally. There is no third party involved. So please do not send me another stall letter or generic response that approach is unacceptable and shows disregard for both federal law and consumer rights.

This matter has already been raised and documented, yet these inaccurate and fraudulent entries remain on my credit file. This is not just a reporting error it's a serious identity theft issue, and your inaction is now bordering on willful non-compliance.

Violations of Federal Law and Consumer Rights : 15 U.S.C. 1681b ( c ) Unauthorized Inquiries You are not allowed to furnish credit reports for transactions I didnt authorize. The inquiries listed below were not initiated by me and must be deleted.

15 U.S.C. 1681c2 Block of Information Resulting from Identity Theft You are required to block fraudulent information within 4 business days of receiving proper documentation. Ive already provided you with everything necessary including my FTC Identity Theft Report, government-issued ID, Social Security card , and proof of address.

18 U.S.C. 1028A Aggravated Identity Theft Continued reporting of identity theft-related entries makes you complicit in the damage being done. If you fail to block this information, you allow criminal activity to persist and knowingly hurt my financial reputation.

15 U.S.C. 1681i ( a ) Failure to Reinvestigate If you do not reinvestigate or verify the entries within the time permitted by law, and can not produce legitimate records showing my authorization, you are obligated to permanently remove them.

Fraudulent Accounts and Inquiries ( Previously Disputed ) : 1. XXXX XXXX Account Number : XXXX 2. XXXX Account Number : XXXX 3. XXXX  XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX  XXXX XXXX  {$3500.00} XXXX XXXX  {$6100.00} XX/XX/XXXX XXXX  {$3100.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Be advised, this is not a refusal to oay, but a notice sent pursuant to the Fair Debt Collection Practices Act. 1S USC 1692e Sec. 809 ( b ) that XXXX XXXX is disouted and validation is requested. 
This is NOt a request for " veritication or proot of my XXXX address, but a request for VAUDATION made ouruant to the XXXX named Tille and Section.lrocoectulty requeet tha * your oftice provide me with competent evidence that I have any legal obligation to pay vou Please provide me with the following : What the money you say l owe is for Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owes Provide a verification or copy of any judgment if applicable ; identity the orisinal creditor Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent If your offices have reported invalid information to any of the three major Credit Bureaus ( XXXX XXXX XXXX XXXX ), said axtion might constitute fraud under both Federal and State laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against Violation of the Fair Credit Reporting Aet : Violation of the Fair Cheat Collection Practies Act Defamation of Character 30 davs to investigate this information and durine such time all collection activity must cease Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with a legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as If your offices fail to respond to this validation request within 30 days from the date of your receipt, all rererences to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also lise to request, in wrang, that no terepnone conter be made by your ottices to my home, my cell phone or to my place of employment. If your offices attempt telephone communkation with me, including but nos limked to computer generated calls o. correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. You also may not communicate with me by e-mail. All future communications with me MuSt be done in writine and sent to the address noted in this letter. This is an attempt to correct your records, any information obtained shall be used for that Best Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I noticed that unauthorized inquiries are still appearing on my credit report today, and I have no idea why. Refreshing my browser did not remove them. I urgently request that the documents I provided be reviewed thoroughly so I can stop worrying about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
I am writing to demand the REMOVAL of the following inaccurate accounts listed on my EXPERIAN credit report. 

CHARGED-OFF : XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have sent multiple dispute requests concerning the above mentioned accounts. The most recent disputes are listed down below : XX/XX/year> Report Number XXXX Neither Experian nor the creditors mentioned in this complaint have complied with the legal obligations under the FCRA 15 U.S. Code 1681i and ALL PARTIES have therefore failed to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

I spoke with XXXX ( a call center representative for Experian on Monday XX/XX/year> ) and he stated the investigation had been completed on XX/XX/year> and the accounts were verified and updated. I ONLY RECEIVED VERBAL CONFIRMATION THAT MY ACCOUNTS WERE VERIFIED I NEVER RECEIVED DETAILS OF THE INVESTIGATION ( including HOW the accounts were verified or the exact method of verification ). In-fact, all I received was correspondence via an " updated '' credit report stating that the accounts had been verified and updated with no proof of a thorough investigation. Experian 's unethical business practices and willful noncompliance of Federal Consumer Law are in direct violation of my consumer rights. 

Moreover, EXPERIAN HAS FUTHER EXACERBATED THE SIDE EFFECTS OF A INEFFECTIVE REINVESTIGATON BY FAILING TO REMOVE LATE PAYMENTS FROM XXXX XXXX. 


CLOSED ACCOUNT : XXXX XXXX XX/XX/year> Report Number XXXX THE FAILURE of EXPERIAN to ENSURE 100 % ACCURACY has NEGATIVELY AFFECTED MY ABILITY TO OBTAIN CREDIT BASED ON ADVERSE PAYMENT HISTORY that EXPERIAN HAS FAILED XXXX CORRECT! 

I disputed XXXX XXXX electronically XXXX " PAID ON TIME, NEVER LATE '' via the EXPERIAN website and Experian obviously didn't conduct a reasonable investigation nor had any communication with XXXX XXXX as the results remained the same ( late payments " verified and updated '' ). How so? Experian provided FALSE INVESTIGATION RESULTS. I sent in copies of letters received by XXXX XXXX where the company specifically stated that " we have removed the delinquency for the period of XXXX. Please allow XXXX to 60 days for Credit Reporting Agencies to update their records '' The letters were dated XX/XX/year>. What does this mean? Experian should have updated the late payments by XX/XX/year> ( at the latest ) and yet my credit score continues to suffer because Experian refuses to appropriately address and correct those late payments.

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 2025-12-04 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: TX

Complaint narrative:
I am filing this complaint against Experian for violating multiple sections of the Fair Credit Reporting Act ( FCRA ) related to my dispute. Experian did not conduct a reasonable reinvestigation, refused to provide the required Method of Verification, and is continuing a known pattern of unlawful dispute handling similar to what they have recently been sued for.

1. Experian Did Not Conduct a Reasonable Reinvestigation ( FCRA 611 ( a ) ( 1 ) ( A ) ) I submitted a dispute on XX/XX/year>, and Experian marked it verified/updated on XX/XX/year>. 

The dispute was closed in 7 days, which clearly shows : Experian did not review my documents, Experian did not forward all information to the furnisher as required by 611 ( a ) ( 2 ), Experian did not obtain competent evidence, Experian performed no real investigation beyond an automated e-OSCAR response This is a violation of : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) duty to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 2 ) duty to forward all relevant information 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) unverifiable information must be deleted I will attach screenshots showing the open and close dates proving the investigation was not reasonably conducted.

2. Experian Failed to Provide the Required Method of Verification ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ) After Experian marked my dispute as verified, I requested the Method of Verification ( MOV ), which is required by law.

Experian never provided : 1. The procedure used to verify the account 2.What documentation was relied upon 3.How the furnisher confirmed accuracy 4.Any explanation of verification steps This is a direct violation of FCRA 611 ( a ) ( 6 ).

3. Experian Has a Known Pattern of Failing to Properly Investigate Disputes Experian has recently faced lawsuits and regulatory actions for : Not completing proper reinvestigations Relying exclusively on automated e-OSCAR responses Ignoring consumer-provided documentation Reporting unverifiable information My experience matches the exact misconduct that Experian has already been sued for. Their failure to investigate my dispute is part of this ongoing pattern of non-compliance.

4. My Intentions Are to Pursue Legal Action for Non-Compliance Because Experian : Did not conduct a reasonable reinvestigation Failed to provide a legally required Method of Verification Verified the account without evidence Ignored my dispute documentation Repeated conduct they have already been legally challenged for

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 2025-12-04 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: TX

Complaint narrative:
This is a FORMAL DISPUTE against XXXX XXXX XXXX XXXX and TransUnion for illegally accessing, using, and furnishing my personal information WITHOUT ANY PERMISSIBLE PURPOSE, as required under FCRA 15 U.S.C. 1681b ( Section 604 ( a ) ).

Both entities are reporting and publishing a charge-off account for which neither has provided : Validation, Authorization, Permissible purpose, Contractual consent This reporting is unlawful, unauthorized, and a direct violation of federal law.

TransUnion is publishing and reporting this unauthorized data WITHOUT verifying that XXXX XXXX had legal authority to furnish it.

Under FCRA 604 ( a ), TransUnion is prohibited from : Accepting, Using, Publishing, Distributing

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 2025-12-04 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: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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