vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Creditor 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 XXXXXX/XX/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 2025-10-16 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:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-16 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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:
I have submitted multiple formal dispute letters to Experian Information Solutions XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-16 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:
As a reference from case number : XXXX Subject : Formal Request for Deletion of Fraudulent Inquiries FCRA 605B & 611 Compliance To : Credit Bureau Name : TRANSUNION/EXPERIAN/EQUIFAX Attn XXXX Fraud Department / Consumer Relations Equifax XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX Experian : XXXX XXXX XXXXXXXX, XXXX, TX XXXX TransUnion : XXXX XXXX XXXX XXXXXXXX, PA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX, TX XXXX SSN : * XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX via CFPB Case : XXXX Dear TRANSUNION, EQUIFAX, EXPERIAN, XXXX am writing to request the immediate removal of multiple unauthorized inquiries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) 605B, 604, and 611, as well as Metro 2 Reporting Standards.

The creditor ( s ) have confirmed in writing to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX that I XXXX have been a victim of fraud. This official acknowledgment establishes that these inquiries were not authorized by me and have no permissible purpose under FCRA 604 ( a ). 

Fraudulent Inquiries to be Deleted : Equifax : XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Per FCRA 605B ( b ) ( 1 ), once fraud is confirmed, you must block and delete any information resulting from that identity theft within four ( 4 ) business days of receiving this documentation.

Additionally, under Metro 2 Compliance, all data must accurately reflect verified, authorized consumer activity these inquiries fail that standard.

Requested Resolution : 1. Delete all unauthorized/fraudulent hard inquiries listed above.

2. Correct and verify that all identifying information matches the valid data below : Name : XXXX XXXX XXXX XXXX SSN : XXXX * Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TX XXXX XXXX. Provide written confirmation once deletions and updates are complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As a reference from case number : XXXX Subject : Formal Request for Deletion of Fraudulent Inquiries FCRA 605B & 611 Compliance To : Credit Bureau Name : TRANSUNION/EXPERIAN/EQUIFAX Attn XXXX Fraud Department / Consumer Relations Equifax XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX Experian : XXXX XXXX XXXXXXXX, XXXX, TX XXXX TransUnion : XXXX XXXX XXXX XXXXXXXX, PA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX, TX XXXX SSN : * XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX via CFPB Case : XXXX Dear TRANSUNION, EQUIFAX, EXPERIAN, XXXX am writing to request the immediate removal of multiple unauthorized inquiries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) 605B, 604, and 611, as well as Metro 2 Reporting Standards.

The creditor ( s ) have confirmed in writing to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX that I XXXX have been a victim of fraud. This official acknowledgment establishes that these inquiries were not authorized by me and have no permissible purpose under FCRA 604 ( a ). 

Fraudulent Inquiries to be Deleted : Equifax : XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Per FCRA 605B ( b ) ( 1 ), once fraud is confirmed, you must block and delete any information resulting from that identity theft within four ( 4 ) business days of receiving this documentation.

Additionally, under Metro 2 Compliance, all data must accurately reflect verified, authorized consumer activity these inquiries fail that standard.

Requested Resolution : 1. Delete all unauthorized/fraudulent hard inquiries listed above.

2. Correct and verify that all identifying information matches the valid data below : Name : XXXX XXXX XXXX XXXX SSN : XXXX * Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TX XXXX XXXX. Provide written confirmation once deletions and updates are complete.

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 2025-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Giggle Finance Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, Giggle Finance initiated a payment of {$540.00} from my account toward a lien/loan. I have emails showing that on XX/XX/XXXX, they could have stopped the remittance, yet they proceeded anyway. 

The payment is complete on the XXXX XXXX side, and it clearly shows Giggle Finance as the recipient. As of today, they still have not refunded the payment or corrected the issue.

If I had known it would take 9 days and counting for them to process the payment in fact, that they still have not received or returned it I would not have allowed the payment to be taken.

I am requesting that Giggle Finance immediately return the {$540.00}.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-16 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: AL

Complaint narrative:
there's a late payment inquiry on my credit report on XX/XX/XXXX, and they agreed to do a goodwill removal but their system does not go back to XXXX. XXXX, the agent I spoke to at XXXX suggested I dispute it with the credit bureaus to get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2025-10-16 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: FL

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint narrative:
without information the bank froze my bank account. 

unable to access my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Bank of Americas handling of my business account and a recent deposit. 

In early XX/XX/year>, my long-time business partner transferred {$100000.00} into my Bank of America business account. This was not the first time she had deposited funds into my account. Shortly after the deposit, I attempted to wire {$7000.00} from my business account to my brokerage account for legitimate business purposes. Immediately after initiating this wire, my online access was blocked.

When I contacted Bank of America, I was informed that the deposit was under review and that my access would be restored within three days. However, the following week, I was told my account was being closed. The representatives I spoke with could not provide any reason for this decision.

Given that my partner transferred the funds from her own Bank of America account and that both of us were in XXXX XXXX XXXX together, I requested that the funds simply be returned to her. The bank refused, stating instead that a check would be mailed to mebut not until the end of XXXX. This delay has severely disrupted my business operations and created financial hardship, including strained relations with my subcontractors.

I believe this handling by Bank of America is unreasonable and harmful, especially given the lack of transparency and the extended timeframe to access legitimately sourced funds. I request your review of this matter and assistance in ensuring that my funds are released promptly.

Thank you for your attention and support.

Sincerely,

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 monetary relief
Consumer complaint received 2025-10-16 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: AL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX 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 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 2025-10-16 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: WA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-16 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: U.S. BANCORP
State: TX

Complaint narrative:
I reviewed my credit report and noticed XXXX or more soft inquiries from XXXX XXXX XXXX that I did not authorize or recognize. 

Under the Fair Credit Reporting Act ( FCRA ), a company must have a permissible purpose to access my credit file even for soft inquiries. I have never applied for credit, requested information, or given consent for this company to access my credit report.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I submitted a dispute letter to Experian on XX/XX/year>, requesting an investigation of inaccurate and unverified information on my credit report. I asked Experian to verify the accuracy of the items or remove them if they could not be properly verified under the Fair Credit Reporting Act ( FCRA ). I have not received any verification, documentation, or updates confirming that the investigation was completed. The disputed information remains on my report, so I am seeking CFPB assistance to ensure Experian conducts a proper investigation and removes unverifiable data.

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 2025-10-16 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: GA

Complaint narrative:
Please check the information concerning EQUIFAX and Experian data breach below in attachments. 
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: GA

Complaint narrative:
Please check the information concerning EQUIFAX and Experian data breach below in attachments. 
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

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 2025-10-16 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate and damaging information currently reported on my credit file. After reviewing my credit report, I noticed both late payment entries and credit inquiries that I believe are either inaccurate, unauthorized, or misreported. 
Late Payment Reporting XXXX XXXX XXXX {$15000.00} Unauthorized or XXXX XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX 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 2025-10-16 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate and damaging information currently reported on my credit file. After reviewing my credit report, I noticed both late payment entries and credit inquiries that I believe are either inaccurate, unauthorized, or misreported. 
Late Payment Reporting XXXX XXXX XXXX {$15000.00} Unauthorized or XXXX XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: IL

Complaint narrative:
I am submitting this complaint regarding the inaccurate and misleading reporting of an account on my credit report. 

The account in question is being reported as Closed with a {$0.00} balance, yet it also reflects a status of Paid as agreed. These two statements conflict under the Fair Credit Reporting Act ( FCRA ) and create confusion in the reporting of my credit history. FCRA 602 ( A ) & 607 ( b ) Credit reporting agencies and furnishers must ensure maximum possible accuracy in the information reported. Reporting a closed account as paid as agreed is contradictory and misrepresents the true payment status of the account.

2.FCRA 623 ( a ) ( 1 ) ( A ) A furnisher of information may not report information that it knows or has reasonable cause to believe is inaccurate. Since a zero balance and paid as agreed status can not coexist accurately once an account is closed, this reporting violates this section.

3.FCRA 611 ( a ) Upon a consumers dispute, the credit reporting agency is required to conduct a reasonable reinvestigation to determine the accuracy of the disputed information. I have previously disputed this account, and it continues to reflect inaccurately.

4.FCRA 605 ( b ) Even if the account was previously accurate, outdated or misleading status codes must be updated or removed to maintain accuracy.

Company response to consumer: Closed with explanation