vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against all three major credit bureaus : Experian, XXXX, and TransUnion, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding disputes I submitted about inaccurate and unverified accounts on my credit reports. 

I submitted formal disputes to all three CRAs regarding specific accounts I believe are inaccurate, unverifiable, and/or fraudulent. 

More than 30 days have passed since my disputes were received, and I have not received a proper response, completed reinvestigation, or sufficient verification of the accounts in question. 

The CRAs failed to remove or block the disputed accounts, despite being unable to verify them with valid documentation.

I requested validation and original source documentation as allowed under FCRA 609 ( a ). None of the bureaus provided this.

Additionally, the CRAs failed to provide written results of the reinvestigation as required under FCRA 611 ( a ) ( 6 ) and 611 ( b ).

Violations : FCRA 611 ( a ) ( 1 ) ( A ) Failure to investigate disputes within the required 30-day period.

FCRA 611 ( a ) ( 5 ) ( A ) Failure to delete or correct information that is found to be inaccurate or unverifiable.

FCRA 611 ( b ) Failure to provide written results of the reinvestigation.

FCRA 609 ( a ) ( 1 ) Failure to provide documentation verifying that the information belongs to me.

FCRA 605B Failure to block information alleged to result from identity theft, where applicable.

I've included attached below all previous submissions documents for proof of identity no reason to stall investigation 's the refuse to comply. Documentations was sent to all three credit bureaus on XX/XX/year> and another certified copy going out today XX/XX/year>

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I contacted Equifax on XX/XX/year> because when logging into XXXX XXXX and in the app, my credit score was inaccurate ( XXXX ), I had no revolving credit, XXXX accounts reporting, I couldnt see my information and I was unable to dispute anything. I was given a case number and told that this technical issue was escalated and would be contacted. I requested a physical copy of my credit report which I received in the mail with a more accurate credit score ( XXXX ) but still had inaccurate account and contact information. After reviewing, I checked the website/app to see if I could dispute and unfortunately still can not. I called again today for an update and was told the tech team is working on it but they are not held to any timeframe to resolve. It could take 2 weeks or 2 months or 2 years before they resolve the technical issues since there are so many accounts ahead of you needing to be resolved. Their solution is for me to either PURCHASE their credit monitoring services or submit a written dispute which would require me acquiring printing services, purchase a stamp, going to the post office, waiting for them to receive it and then waiting for them to review resulting in not only payment but also inconvenience ( as I am recovering from surgery and in bed rest ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: OH

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

experian equifax transunion Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute several unauthorized credit inquiries on my credit report.I recently obtained a copy of my credit report and noticed the following inquiries that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX Credit Unions and Finance Companies Other Than Personal Finance Companies 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 I have not applied for credit with these companies, nor have I authorized them to access my credit report.These inquiries are inaccurate and negatively impacting my credit score.

Therefore, I request that you immediately investigate these unauthorized inquiries and remove them from my credit report.I have enclosed a copy of my credit report highlighting these inquiries and a copy of my [ Driver 's License/State ID ] for verification purposes. 
I expect a written response detailing the results of your investigation and confirmation that these inquiries have been removed within 30 days, as per the Fair Credit Reporting Act. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

experian equifax transunion Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute several unauthorized credit inquiries on my credit report.I recently obtained a copy of my credit report and noticed the following inquiries that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX Credit Unions and Finance Companies Other Than Personal Finance Companies 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 I have not applied for credit with these companies, nor have I authorized them to access my credit report.These inquiries are inaccurate and negatively impacting my credit score.

Therefore, I request that you immediately investigate these unauthorized inquiries and remove them from my credit report.I have enclosed a copy of my credit report highlighting these inquiries and a copy of my [ Driver 's License/State ID ] for verification purposes. 
I expect a written response detailing the results of your investigation and confirmation that these inquiries have been removed within 30 days, as per the Fair Credit Reporting Act. 
Sincerely, 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 2025-07-26 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:
These accounts are being reported under my name without my knowledge, consent, or authorization. I have never opened, managed, or approved these accounts. This is a serious violation of my rights and has resulted in false and misleading information being attached to my financial record. 

I take my credit profile extremely seriously, and the presence of these fraudulent accounts is both unacceptable and deeply alarming.

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 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing this formal complaint against Citibank regarding their unlawful restriction and poor handling of a cleared cashiers check deposited into my business account. 

On XX/XX/XXXX & XX/XX/XXXX I deposited a {$30000.00} cashiers check via Citibank ATM into my business account. The check cleared the same day, and no hold notice was issued by the ATM or through my online banking dashboard. I waited the required XXXX hours before initiating any transaction. My first attempted transaction was successful. 

However, shortly after, my business debit card was locked, and my online banking access was suspended without prior notice or any written explanation. I have since spent more than XXXX hours calling Citibank customer service, fraud prevention, and risk departmentsyet no representative has provided any justification or timeframe for when my access will be restored. 

My account : Has been open for over XXXX days; Was in good standing at the time of deposit ; Has no history of overdraft, fraud, or suspicious activity; Was never provided with any form of adverse action notice, fraud notice, or review timeframe. 

This has caused significant business disruption, financial distress, and reputational harm to my company. I am requesting that the CFPB intervene to : XXXX. Investigate this account restriction and XXXX  failure to notify me properly under XXXX XXXX ; XXXX. XXXX Citibank to immediately restore access to my card and online banking ; XXXX. Hold Citibank accountable for unfair banking practices, lack of transparency, and failure to respond in a timely manner. 

Attached are supporting details, including the deposit date, amount, call log history, and documentation showing the account is in good standing. 

Thank you for your urgent attention to this matter.

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 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/year> my bank account was hacked by who I thought was Bank of America teller. They said my bank account was being hacked and I needed to move my money into my XXXX account until they can figure out the problem. I moved my money out of my checking and saving because they said I they would figure out the hacking situation. I moved the money into my XXXX XXXX account and they gave me new account numbers to move my money to because they said they made me my new account and routing because my original had been compromised. I send my money through apply pay not realizing it was to an unknown credit card they created because I think Im talking to a Bank of America employee. That same day I go to the bank and file a claim with the bank and make a new account and routing number and get my phone cleaned to find out I have XXXX iPhones attached to my device. On XX/XX/year> I file a police report case # XXXX .The bank initiated a refund however, On XX/XX/year> the bank finds me liable and takes out {$7300.00} out of my bank account saying I am at fault

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 2025-07-26 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:
To Whom It May Concern : This letter serves as a formal follow-up and second notice of complaint regarding your ongoing and willful disregard of my rights as outlined under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. 

Despite my previous dispute and notice to your company regarding the inaccuracies you continue to furnish to the credit bureaus about my account, you have failed to take reasonable steps to investigate, correct, or even respond with any substantive outcome. This is a direct violation of your obligations under FCRA Section 611 and 623, which require a furnisher of credit information to investigate disputed data and report only verified and accurate information. 

Let me be explicitly clear : You are reporting inaccurate, misleading, and outdated information tied to my name and Social Security number. 
Your continued reporting of this unverifiable account is causing tangible harm to my credit standing, as reflected in the consumer report I pulled on XX/XX/XXXX ( Reference XXXX XXXX XXXX ). 
I have taken all required steps to dispute this account properly, and your lack of cooperation or response constitutes negligent and potentially willful noncompliance. 

If this issue is not resolved within XXXX  days of receipt of this letter, I will proceed with the following actions : XXXX. File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) citing violation of FCRA Sections 607 ( b ), 611 ( a ), and 623 ( b ). 
XXXX. Initiate a lawsuit in small claims court seeking damages for negligent noncompliance, mental and financial distress, and statutory damages as allowed under FCRA 15 U.S.C. 1681n and 1681o. 
XXXX. Submit complaints to my state attorney generals office and the Federal Trade Commission. 

This is your final opportunity to correct your records and delete the false and unverified reporting associated with my name. If you have documentation that proves the accuracy and legitimacy of the debt, provide it in writing immediately. Otherwise, delete this account from all credit reporting agencies where it appears. 

I am demanding full compliance and expect written confirmation of deletion and a corrected tradeline within XXXX  days. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : [ XXXX ] Report Date : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX XXXX 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 2025-07-26 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:
To Whom It May Concern : This letter serves as a formal follow-up and second notice of complaint regarding your ongoing and willful disregard of my rights as outlined under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. 

Despite my previous dispute and notice to your company regarding the inaccuracies you continue to furnish to the credit bureaus about my account, you have failed to take reasonable steps to investigate, correct, or even respond with any substantive outcome. This is a direct violation of your obligations under FCRA Section 611 and 623, which require a furnisher of credit information to investigate disputed data and report only verified and accurate information. 

Let me be explicitly clear : You are reporting inaccurate, misleading, and outdated information tied to my name and Social Security number. 
Your continued reporting of this unverifiable account is causing tangible harm to my credit standing, as reflected in the consumer report I pulled on XX/XX/XXXX ( Reference XXXX XXXX XXXX ). 
I have taken all required steps to dispute this account properly, and your lack of cooperation or response constitutes negligent and potentially willful noncompliance. 

If this issue is not resolved within XXXX  days of receipt of this letter, I will proceed with the following actions : XXXX. File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) citing violation of FCRA Sections 607 ( b ), 611 ( a ), and 623 ( b ). 
XXXX. Initiate a lawsuit in small claims court seeking damages for negligent noncompliance, mental and financial distress, and statutory damages as allowed under FCRA 15 U.S.C. 1681n and 1681o. 
XXXX. Submit complaints to my state attorney generals office and the Federal Trade Commission. 

This is your final opportunity to correct your records and delete the false and unverified reporting associated with my name. If you have documentation that proves the accuracy and legitimacy of the debt, provide it in writing immediately. Otherwise, delete this account from all credit reporting agencies where it appears. 

I am demanding full compliance and expect written confirmation of deletion and a corrected tradeline within XXXX  days. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : [ XXXX ] Report Date : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
I settled a debt with Amsher Collection Services related to XXXX XXXX. Before paying, I was told by a representative that after payment, the collection account would be marked paid and then deleted from my credit report. 
After paying in good faith on XX/XX/year>, the balance shows as {$0.00}, but the account still reports as a collection with settlement accepted remarks. 
This is damaging my credit during my mortgage application process. I believe this is misleading and unfair reporting based on the original verbal agreement made before payment. Also, was suppose to receive a letter of agreement nothing showed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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 recently reviewed a copy of my credit report and noticed that I still have the fraudulent account on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-07-26 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-07-26 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:
This XXXX XXXX collection account ( original creditor : XXXX XXXX XXXX  ) is being falsely reported and must be immediately removed. The account was opened on XX/XX/year> and shows a {$6200.00} balance, reported as charge-off. I have no knowledge of this account, never authorized it, and never received communication or validation from XXXX XXXX. 

I already disputed this account, yet it continues to appear on my report marked as meets FCRA requirements without any supporting documentation or verification. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 1681i requires credit bureaus to delete unverifiable information after a dispute. 

1681s-2 ( a ) prohibits furnishers from reporting inaccurate or false information. 

1681s-2 ( b ) requires furnishers to investigate and correct errors upon notice. 

This account is damaging my credit, and its continued presence despite my formal dispute constitutes willful noncompliance. I am demanding its immediate deletion and will pursue legal action under FCRA 1681n and 1681o if it is not removed..

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 2025-07-26 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: MS

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation