vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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 formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly XXXX result in further escalation.

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 2025-06-09 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: GA

Complaint narrative:
On XX/XX/year>, I submitted a dispute to Experian after identifying several errors on my credit report. I listed multiple accounts with serious discrepancies, including : Missing Recent Payment data, making it impossible to confirm when and how much was last paid.

Credit Limits reported on accounts that were already charged off, which is not accurate reporting under FCRA.

Balance Histories missing, resulting in unverifiable account balances and activity.

Start dates of Payment Histories not aligning with the reported Date Opened.

Numerous inconsistencies between the Payment History and Balance History ( e.g., " Terms met '' status with {$0.00} payments ). 
Some accounts reported ND ( No Data ) in Payment History for specific months.

These errors render the report both inaccurate and incomplete. I have attached my dispute letter and included proper identity verification documents. 
I want the CFPB to help me secure that Experian will properly investigate my dispute. I want to be sure that Experian will handle my disputes fairly and responsibly. This complaint also serves as a formal documentation of my dispute in case they refuse or delay the required investigation.

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 2025-06-09 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: MD

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

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 2025-06-09 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Nature of Complaint : Failure to Comply with FCRA 605B Identity Theft Reporting I am filing this complaint against Barclays Bank Delaware for its failure to comply with the federal Fair Credit Reporting Act ( FCRA ) following my formal identity theft dispute.

I submitted a valid Identity Theft Report from the FTC ( pursuant to FCRA 603 ( q ) and 605B ) affirming that the Barclays account in question was fraudulently opened in my name without my knowledge or consent. I also submitted a notarized affidavit of identity theft to confirm the legitimacy of the claim, which Barclays received.

To date, Barclays has : Failed to provide a written determination regarding the dispute ; Failed to block or delete the account from my credit file as required by FCRA 605B ( b ) ; Continued to allow the tradeline to report to one or more consumer reporting agencies ; Provided no evidence or certified verification that this debt was incurred lawfully ; Not complied with FCRA 611, 1681e ( b ) ( accuracy standards ), or provided documentation proving I am liable for this alleged debt.

As a furnisher of information under FCRA 623, Barclays is required to cease reporting accounts that have been challenged with valid Identity Theft documentation, unless it can provide affirmative proof the consumer is responsible. No such proof has been furnished.

I am requesting that the CFPB open a formal investigation into Barclays compliance with FCRA and require them to : Immediately and permanently delete the fraudulent account ; Cease all data furnishing related to the account ; Provide written certification that the tradeline has been removed and all collection efforts have ceased ; Review their internal dispute handling and fraud validation processes for compliance with federal 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 2025-06-09 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: CT

Complaint narrative:
Im writing to formally dispute inaccurate and unacceptable information that is currently showing on my credit report. Ive reviewed my report carefully, and I found entries that are flat-out wrong and do not reflect my actual financial activity or history. 

Specifically, the information in question is either outdated, incorrectly reported, or completely unrelated to any account Ive ever opened or authorized. I did not consent to, authorize, or participate in the activity that has been recorded under my name. 

This misinformation is not only misleading, it is actively damaging my creditworthiness and potentially impacting my ability to secure housing, employment, or financial services which is completely unacceptable.

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 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My checking account with Chase Bank was closed unexpectedly, and {$21000.00} of my funds were withheld. These funds came from money orders I deposited into my account. On XX/XX/year>, Chase sent me a cashiers check for only {$2100.00} the rest ( {$21000.00} ) is being held without clear resolution. 

Chase stated they needed the original money order purchase receipts for verification. However, I never had these receipts at the time I received the money orders, as they were given to me through personal transactions. I was not informed that retaining original receipts would be necessary, and I deposited the funds in good faith believing everything was legitimate. 

I have already contacted Chase, but I have not been given a clear path forward to recover my funds. I am more than willing to cooperate and provide alternative documentation ( such as images of deposits, names of senders, and a written explanation of the moneys origin ), but my attempts have not resulted in resolution. 

This amount is significant, and it has been several years without closure. I am seeking assistance from the CFPB to help mediate this situation and ensure a fair review of my case so I can recover my withheld funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
I reported fraud on my account back in XX/XX/year> after checking my credit report I found out that someone opened multiple credit cards in my name. I also had addresses on my credit report that I never lived at. My identity was stolen, and my social security number was being used to obtain credit cards and residences. I was able to get the credit card accounts closed but the inquiries need to be removed dating back from XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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:
The accounts in question were not opened by me and appear to be the product of identity theft. As such, they should not be associated with my credit profile. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), I demand their removal within 15 days. All relevant supporting documents have been enclosed.

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 2025-06-09 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: FL

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 XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: FL

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 XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-06-09 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: FL

Complaint narrative:
I requested my credit XXXX score report from Experian.com, Equifax.com, and TransUnion.com and I see accounts which I do not recognizes XXXX. XXXX XXXX XXXX, XXXX. # XXXX, XXXX. XXXX XXXX. XXXX, XXXX. # XXXX not properly verified, and credit requires that I never requested or have any business to do : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XX/XX/XXXX, XX/XX/XXXX, Experian XXXX XXXX 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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. 

These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued XXXX for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
XXXX faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes.

Please be advised that failure to comply with these requests may compel me to seek legal remedies, including filing complaints with the CFPB and pursuing litigation for damages resulting from your non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX Balance 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 non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to follow up on a prior dispute regarding multiple negative items that are inaccurately and inconsistently reported on my credit file. Not only do these accounts contain reporting errors, but they also reflect different numbers of negative entries across the XXXX bureaus. 

Issue : XXXX  is reporting XXXX negative entries, which is inconsistent with the number of accounts being reported by XXXX  ( XXXX ) and XXXX  ( XXXX ). Many of these appear either outdated, duplicated, or are tied to original creditors rather than collection agencies. Some accounts are even listed twice under slightly different identifiers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to follow up on a prior dispute regarding multiple negative items that are inaccurately and inconsistently reported on my credit file. Not only do these accounts contain reporting errors, but they also reflect different numbers of negative entries across the XXXX bureaus. 

Issue : XXXX  is reporting XXXX negative entries, which is inconsistent with the number of accounts being reported by XXXX  ( XXXX ) and XXXX  ( XXXX ). Many of these appear either outdated, duplicated, or are tied to original creditors rather than collection agencies. Some accounts are even listed twice under slightly different identifiers.

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 2025-06-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
Subject : Follow-Up Complaint : Inaccurate Deficiency Balance & Unjustified Late Payments on Repossessed Auto Loan This is a follow-up to a prior complaint I filed regarding the reporting of a repossessed vehicle and deficiency balance by Bridgecrest Acceptance Corporation. 

Since my original complaint, Bridgecrest has failed to respond to two follow-up emails sent in good faith. These emails requested : Documentation verifying the {$3000.00} sale price listed in their deficiency letter ( e.g., bill of sale or auction receipt ) A breakdown justifying how the deficiency reached over {$13000.00} An explanation for continued reporting of 30, 60, and 90-day late payments even after repossession occurred As of today, Bridgecrest has not provided the requested documents, has not explained the inflated balance, and has continued to report multiple late payment notations on a vehicle I no longer possessed. This appears to violate the Fair Credit Reporting Act ( FCRA ) and Floridas Consumer Collection Practices Act ( FCCPA 559.72 ).

I believe the deficiency is improperly calculated, potentially inflated, and that the negative tradeline should either be removed or corrected. Bridgecrest also failed to comply with my reasonable request for verification, as allowed under federal and Florida law.

Company response to consumer: Closed with explanation