vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MIDFIRST BANK
State: GA

Complaint narrative:
It was XX/XX/year>. I refinanced my home and the fund of {$71000.00} plus was sent over to pay off the loan. This amount was roughly {$6000.00} short of the payoff. I contacted the closing attorney to advise and she sent the remaining {$6000.00} wire on XX/XX/year>XXXX  to pay the loan off. The {$71000.00} was placed in a suspense account as a credit and not applied to my account. I have had reps/ supervisor saying they are putting in request to get the total amount backdated but to no avail it was not done. My mortgage payments were only {$1100.00} and they received {$71000.00} on XX/XX/year>. My mortgage payments was not and this negative remark should be 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 non-monetary relief
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
This letter is a formal dispute regarding the accounts in question. I am not associated with them and believe they are fraudulent. I request their prompt deletion and a detailed review. Documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: LA

Complaint narrative:
I received my taxes XX/XX/year>XXXX  and I was locked out of my chime account for months and money was being transferred or withdraw electronically to an unknown person. I've filed police reports and they were no help due to no technology or resources. The alleged person or person responsible are XXXX and XXXX XXXX from XXXX, La. They have been doing bank fraud for months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: IL

Complaint narrative:
I am writing to dispute the accuracy of certain items on my credit report, as I am currently working to resolve inaccuracies and improve my credit. Below are the details of the accounts I am disputing across the three major credit bureaus. I respectfully request that these items be investigated and, if found to be inaccurate or unverifiable, removed or corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 


CHARGED OFF : XXXX XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXXXXXX  Balance : {$0.00} This account has been listed as charged off, yet I believe the balance has been paid or settled. I request verification of the balance and the status of this account under FCRA 607 ( b ) for accuracy. 

XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1200.00} I dispute the current balance and request that the creditor validate this account in accordance with FCRA 609. 

XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} Please provide the current status of this account, including whether any payments have been missed or reported incorrectly. 

XXXX XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXXXXXX  Balance : {$580.00} I dispute this account 's validity and the reported balance. Please validate under FCRA 609. 


INQUIRIES : XXXX XXXX Date Open : XX/XX/XXXXXXXX  Please verify that this inquiry was authorized. If no written consent or authorization was provided, I respectfully request the removal of this inquiry from my credit report, in accordance with FCRA 604. 

XXXX XXXX XXXX Date Open : XX/XX/XXXX I dispute this inquiry and request confirmation of the authorization to access my credit report. If no valid authorization is found, please remove this inquiry in compliance with FCRA guidelines. 

XXXX XXXX XXXX Date Open : XX/XX/XXXX Please provide validation for this inquiry. If no consent was given, I request that it be promptly removed from my credit file. 

XXXX XXXX XXXX Date Open : XX/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 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliphant United, Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear XXXX XXXX XXXX I am formally requesting that you issue a 1099-C form for the cancellation of debt associated with the following accounts : Account Number : XXXX XXXX XXXX XXXX  In addition, please be advised that if I do not receive the requested 1099-C in a timely manner, and or deleted off my credit report. I am prepared to pursue legal action. I hope we can resolve this matter amicably and promptly. 

Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
On XX/XX/, I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on XX/XX/2025, at XXXX XXXX in XXXX, PA, per USPS Tracking # XXXX. This correspondence requested prompt investigation and correction or deletion of the following accounts : XXXXXXXX XXXX XXXX {$0.00} ( account # XXXX ) XXXX  XXXX - {$850.00} ( account # XXXX ) XXXX - {$1600.00} ( account # XXXX ) XXXX XXXX {$0.00} ( account # XXXX ) After receiving no response or update regarding the investigation within the time required by law, I sent a second letter on XX/XX/, reiterating my dispute and again requesting prompt resolution. To date, I have received no response from TransUnion

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 2025-11-07 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: FL

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts I am disputing the following charged-off accounts because I believe they are either outdated, inaccurately reported, or not properly verified by the furnishers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXXXXXX  Balance : {$2600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance XXXX {$1000.00} I have not received any recent or proper validation proving these accounts were correctly reported as charged off. I request verification from the furnishers or deletion if the accounts can not be fully substantiated. 

Late Payments The following accounts are showing late payments that I believe may be incorrect or unverified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please confirm the accuracy of the reported late payments and remove or correct any that can not be verified with complete payment records. 

Inquiries Please review and verify the legitimacy of the following inquiry. If not authorized by me, it should be removed : XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TN

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: AR

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: NC

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a follow-up complaint to CFPB case # XXXX. XXXX and the credit bureaus ( TransUnion, Equifax, Experian ) continue to report an unverifiable {$7500.00} debt despite failing to provide documentation proving its validity. The company only claimed to have mailed proof, which was returned and never received. No actual validation has been produced. This violates the Fair Debt Collection Practices Act ( FDCPA 809 ) and Fair Credit Reporting Act ( FCRA 611 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a follow-up complaint to CFPB case # XXXX. XXXX and the credit bureaus ( TransUnion, Equifax, Experian ) continue to report an unverifiable {$7500.00} debt despite failing to provide documentation proving its validity. The company only claimed to have mailed proof, which was returned and never received. No actual validation has been produced. This violates the Fair Debt Collection Practices Act ( FDCPA 809 ) and Fair Credit Reporting Act ( FCRA 611 ).

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 2025-11-07 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: CA

Complaint narrative:
Dear CFPB Representative, I am filing this complaint because several inaccurate and unverified items are being reported on my credit report by multiple furnishers and the credit bureaus. These include wrong addresses, false late payments, incorrect charge-offs, duplicate accounts, and unauthorized hard inquiries. Despite the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) guaranteeing my right to accurate and verified information, these items continue to appear and harm my credit standing. 
ACCOUNT DISPUTES XXXX  Acct : XXXX High Balance : {$720000.00} Date Opened : XX/XX/year> Late Payment This account is inaccurately reporting late payments. I have never been late, and this reporting violates FCRA 607 ( B ) which requires maximum possible accuracy. I request a full reinvestigation and correction of the payment history to reflect accurate on-time payments. 
XXXX XXXX Acct : XXXX High Balance : {$11000.00} Date Opened : XX/XX/year>XXXX  Charge Off I have no record of this account. The furnisher failed to verify the legitimacy of this debt under FCRA 623 ( A ) ( 1 ). If you can not provide original signed documentation verifying my liability, this account must be deleted. 
XXXX Acct : XXXX High Balance : {$9000.00} Date Opened : XX/XX/year> Charge Off I dispute this charge-off as I have no record or verification of this debt. The furnisher has not provided proof of ownership or liability. Under FCRA 611 ( A ) and FDCPA 809 ( b ), I request deletion unless complete verification is provided.

REQUEST FOR CFPB ACTION I am requesting the CFPB to take appropriate action to ensure that the following occurs : 1. Immediate reinvestigation of all disputed items listed above.

2. Permanent deletion of unverifiable, inaccurate, or unauthorized information.

3. Written confirmation from each credit bureau after correction.

4. Investigation into data furnishers that repeatedly provide false or unverified information. 
These inaccurate reports have negatively affected my credit reputation, financial opportunities, and caused emotional distress. I expect a thorough review and resolution in compliance with FCRA 611 ( A ), 623 ( B ), and FDCPA 809 ( b ). 
Thank you for your attention to this matter. Please provide a written response confirming that my complaint has been received and detailing the actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
The existence of this account has caused me significant XXXX, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from 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 non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I reside in XXXX, Ca. I am insured by XXXX. My mortgage is held by Wells Fargo. Our home was flooded 3 months ago by a broken fire suppression system line. It caused major damage throughout the home, resulting in almost a complete remodel. We have been out of our home now for 3 months in temporary housing. XXXX has been great in dealing with our contractor to issue payments for the work. The checks are issued in my name, my wife 's name, and Wells Fargo .. as the mortgage holder. They are currently holding almost {$90000.00} and have been holding it now for over a month. Their process is for us to request an inspection, await an inspector to contact us ( 5 business days ), schedule the inspection ( can take weeks as we are dependent upon an inspection company schedule ), await the inspection results ( non-defined timeline, but can take weeks ), await Wells Fargo to review with inpspection report ( once again, can take weeks ) and then they will release the funds. If you do the math, this is potentially adding up to as much as a month if not more. Meanwhile we must comply with our agreement with the contractor to pay in increments of completed work so we either front the money or stop construction. Because we are out of our house in temporary housing, and the contractor has determine they are physically able to finish the work within another 3 weeks, this delay is preventing us from moving back into our house and adding to the cost of the temporary housing. 
Wells Fargo 's process is designed to delay, not to accommodate the payment of funds that were issued in good faith by XXXX. There is simply no reason to have such an onerous process to withhold payment when the client ( me ) is complying with all the steps necessary. It could be argued that Wells Fargo should pay interest on the money they hold outside a reasonable timeframe if they do delay payment. In speaking with Wells Fargo, they offer vacant promises to expedite, but they do not follow through, as we still are sitting and waiting. This is corruption that is cloaked in process. Please help.

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 2025-11-07 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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 a consumer attempting to resolve inaccuracies and discrepancies on my credit report. The following accounts are listed as " charged off '' and I respectfully request a thorough investigation into their accuracy and handling. Please find the details for each bureau below : XXXX XXXX, Account Number : [ Insert last 4 digits ], Date Opened : XX/XX/year>, Balance : [ Insert amount ], Status : Charged Off XXXXXXXX XXXX XXXX, Account Number : [ Insert last 4 digits ], Date Opened : XX/XX/year>, Balance : [ Insert amount ], Status : Charged Off

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Summary of Complaint : I am reporting a second debt-collection attempt on the same disputed XXXX XXXXXXXX XXXX  balance of {$1300.00}. 
The original account was already in litigation in XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX 

In XX/XX/year>XXXX  another collection agency attempted to collect this debt ; that activity was previously reported to the CFPB ( referral issued XX/XX/year>XXXX  ). 

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXXXX, a new agency, emailed and mailed me collection notices referencing Account # XXXX, identifying XXXX XXXX XXXX  as the original creditor. 
I formally disputed the debt and requested validation on XX/XX/year>, but XXXX continued collection communications afterward. 

This constitutes continued collection activity during pending litigation and potential violations of 15 U.S.C. 1692c, 1692g ( b ), and 1681s-2.

I have filed a Notice of Repeated Collection Activity with the court and provided copies to the universitys legal counsel.

Requested Action : Investigate XXXX and XXXX XXXX for improper debt placement and continued collection on a disputed balance under litigation.

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 2025-11-07 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: NH

Complaint narrative:
Hi- XXXX XXXX  reported to the three CRAs that my loan account ( XXXX ) is delinquent, and that i missed payments by more than 30, 60 days. My credit score has since tanked XXXX points. The reason the delinquency happened was because XXXX did not have a record of my property/home insurance, ( they say they sent me notices... but I never received any letter or email XXXX and USPS has no record of that being delivered either ), they bought Force-Placed hazard insurance, which in turn created an Escrow Shortage. 

I came to know of all this only after my credit score took a big hit, and a CRA notified me of the hit. Upon knowing the problem, I sent them proof of Insurance which showed I have maintain continuous insurance. They have since, rolled back the Force-Placed hazard insurance, rolled back Escrow shortage, and issued me a cheque for the exact amount they found to be short/delinquent, and the exact amount that was reported delinquent. Since all all this proves I never/do-not owe ( d ) any money to XXXX, it makes logical sense to expect XXXX to withdraw/rectify the delinquent reporting to the 3 credit bureaus ( Equifax, XXXX  and XXXX  ) as well . This I believe is keeping in mind the spirit of the FCRA, and RESPA. 

I request CFPB to please forward this to XXXX and the three CRAs to have my credit report adjusted. 

Thank you, XXXX

Company response to consumer: Closed with non-monetary relief