vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: NJ

Complaint narrative:
I reviewed my Experian credit report and found two hard inquiries that I did not authorize. I never applied for credit with these companies, nor did I give written permission for them to access my credit file. The inquiries in question are : XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I disputed these inquiries with Experian and requested documentation showing permissible purpose under the Fair Credit Reporting Act ( FCRA ) Section 604. Experian failed to provide proof that I authorized these inquiries. These entries are inaccurate, unverifiable, and negatively affecting my credit profile. I am requesting their immediate deletion in accordance with FCRA Sections 604 and 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 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank has held over {$2000.00} of my funds for more than two months due to a fraud alert, and continues to lock me out of my account. I was told I would receive a letter with a reference code to verify my identity, but despite being told that four different letters were sent, I have received none. I have confirmed my address is correct ( it matches my ID and I have received other Citibank mail ), filed a XXXX case, and spoken with my mail carrier. Ive offered multiple forms of ID and asked for the letter to be sent with tracking or certified mailCitibank refuses. Ive even verified my identity by phone only to be transferred to another department that tells me the letter is the only option. This has caused serious financial hardshipIm now behind on rent and billsand emotional distress, including crying on calls with their support team. I am demanding immediate release of my funds or a tracked, verifiable way to complete verification.

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 2025-07-09 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: CT

Complaint narrative:
As a victim of fraud, I am notifying you that my credit report contains unauthorized information that I did not consent to or initiate. These fraudulent accounts are both inaccurate and harmful.

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 2025-07-09 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion Credit Bureau XXXXispute Violation of 15 U.S. Code 1681s2 To Whom It May Concern, This letter serves as a formal dispute of information being reported on my credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s2, I am requesting that your agency initiate a reinvestigation into the inaccurate or unverifiable information being reported by XXXX and XXXX XXXX. XXXX removed all fee 's but did not correct inaccurate information sent to the TransUnion. 

Account Details in Dispute : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Type of Dispute : Inaccurate Account Information I am exercising my rights under the FCRA, specifically 15 U.S. Code 1681s2 ( a ), which states that furnishers must report accurate information and correct any previously reported information that they later find to be inaccurate or incomplete. If they are notified of a dispute regarding the completeness or accuracy of any information, they are required by law to investigate and report the results to the consumer reporting agency. Please remove or correct the inaccurate information within the 30-day period as required by federal law.

If this account can not be verified or corrected, it must be removed from my credit file in accordance with the FCRA.

Please provide a written confirmation of the outcome of your reinvestigation. If the item remains on my report after 30 days without sufficient validation, I will consider further legal action or complaints with the CFPB and other regulatory bodies. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX Experian XXXX. XXXX XXXX XXXX, XXXX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX Re : Demand for Immediate Deletion of Dismissed XXXX XXXX Bankruptcy File Reference : Mortgage Loan # __________ To Whom It May Concern : This letter constitutes my formal demandunder the Fair Credit Reporting Act ( 15 U.S.C. 1681c ( a ) ( 1 ) & 1681i ) that you immediately delete from my credit report any and all references to a dismissed XXXX XXXX bankruptcy.

1. Bankruptcy Dismissal : My XXXX XXXX case ( No. __________ ) was officially dismissed by the U.S. Bankruptcy Court for the Southern District of California on [ Dismissal Date ]. 
XXXX. Legal Requirement to Delete : 15 U.S.C. 1681c ( a ) ( 1 ) mandates removal of any public record item that has been vacated or dismissed.

15 U.S.C. 1681i requires you to conduct a reasonable investigation andto the extent information can not be verified or is inaccuratepromptly delete or block it.

3. Demand for Immediate Action : You are hereby ordered to : Cease all reporting of this dismissed bankruptcy as an active or public record item. 
Permanently delete every reference to Case No. __________ from my credit file and all consumer disclosures. 
Provide written confirmation of deletion within XXXX business days of your receipt of this letter. 
XXXX. Consequences of Non-Compliance : Failure to comply will constitute a willful violation of the FCRA. I will exercise all rights available to me, including : Statutory damages and recovery of attorneys fees under 15 U.S.C. 1681n.

Filing complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, and the California Attorney Generals Office. 
Enclosures : Copy of Bankruptcy Dismissal Order ( Southern District of California, Case No. __________ ) Copy of my government-issued ID This matter is non-negotiable. I expect your written confirmation of deletion by [ Date + XXXX business days ]. 
Respectfully, XXXX XXXX Enclosures : Dismissal Order ; ID copy.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX Experian XXXX. XXXX XXXX XXXX, XXXX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX Re : Demand for Immediate Deletion of Dismissed XXXX XXXX Bankruptcy File Reference : Mortgage Loan # __________ To Whom It May Concern : This letter constitutes my formal demandunder the Fair Credit Reporting Act ( 15 U.S.C. 1681c ( a ) ( 1 ) & 1681i ) that you immediately delete from my credit report any and all references to a dismissed XXXX XXXX bankruptcy.

1. Bankruptcy Dismissal : My XXXX XXXX case ( No. __________ ) was officially dismissed by the U.S. Bankruptcy Court for the Southern District of California on [ Dismissal Date ]. 
XXXX. Legal Requirement to Delete : 15 U.S.C. 1681c ( a ) ( 1 ) mandates removal of any public record item that has been vacated or dismissed.

15 U.S.C. 1681i requires you to conduct a reasonable investigation andto the extent information can not be verified or is inaccuratepromptly delete or block it.

3. Demand for Immediate Action : You are hereby ordered to : Cease all reporting of this dismissed bankruptcy as an active or public record item. 
Permanently delete every reference to Case No. __________ from my credit file and all consumer disclosures. 
Provide written confirmation of deletion within XXXX business days of your receipt of this letter. 
XXXX. Consequences of Non-Compliance : Failure to comply will constitute a willful violation of the FCRA. I will exercise all rights available to me, including : Statutory damages and recovery of attorneys fees under 15 U.S.C. 1681n.

Filing complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, and the California Attorney Generals Office. 
Enclosures : Copy of Bankruptcy Dismissal Order ( Southern District of California, Case No. __________ ) Copy of my government-issued ID This matter is non-negotiable. I expect your written confirmation of deletion by [ Date + XXXX business days ]. 
Respectfully, XXXX XXXX Enclosures : Dismissal Order ; ID copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
After reviewing my credit report, I discovered entries that are unfamiliar and were not authorized by me. These accounts appear to be the result of fraudulent activity, and I am not responsible for any of the associated transactions or balances.

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 2025-07-09 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: NJ

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. 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 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 2025-07-09 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: FL

Complaint narrative:
Per 15 USU 1681, you are in violation of my rights to privacy by reporting nonpublic information without my permission or consent. I demand immediate deletion of this data and formally opt out of any further reporting of such information.

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 2025-07-09 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: FL

Complaint narrative:
Per 15 USU 1681, you are in violation of my rights to privacy by reporting nonpublic information without my permission or consent. I demand immediate deletion of this data and formally opt out of any further reporting of such information.

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 2025-07-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Per 15 USU 1681, you are in violation of my rights to privacy by reporting nonpublic information without my permission or consent. I demand immediate deletion of this data and formally opt out of any further reporting of such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX To Whom It May Concern : This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character. 
Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process. 
By the provisions of 15 U.S. Code 1681i of the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to dispute incomplete or inaccurate information and requires credit reporting agencies to conduct a reasonable investigation. Please provide me with proof of these items, the method of verification, description of procedures and specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 
The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Disputed Item ( XXXX ) : Creditor Name : XXXX XXXX  Account Number : XXXX Issue : [ e.g., Incorrect balance, account reported as late when it was paid on time, account does not belong to me, etc. ] This account is listed as a collection/charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately. 
Failure to comply will result in immediate legal action. Under 15 U.S.C. 1681 ( n ), civil liability attaches for negligent or willful violations of the Fair Credit Reporting Act, and I am entitled to monetary damages, punitive damages, and attorney fees.

Please Be Advised : Formal complaints have already been submitted to the Consumer Financial Protection Bureau ( CFPB ), States Attorney Generals Office, XXXX XXXX XXXX ( XXXX  ), and the Federal Trade Commission ( FTC ) against your institution for investigation. 
If corrections are not made within XXXX calendar days of receipt of this notice, I will immediately initiate a claim in Small Claims Court seeking full damages allowable under the law, along with additional regulatory escalation. 

This letter serves as your final opportunity to rectify these unlawful actions voluntarily. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-09 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: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
I am disputing a collection account being reported by Midland Credit Management on my credit report.

I am requesting the CFPB 's assistance in having this collection agency either : 1. Provide full validation of the debt ( including the original creditor, the amount breakdown, and proof I owe it ), or 2. Remove the item from my credit report for failure to comply.

This account is causing damage to my credit, and I am asserting my rights under the FDCPA. I have attached my validation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
I recently obtained a copy of my credit report and discovered entries that are fraudulent in nature. These accounts were not opened by me, nor were they authorized by me, and I suspect they are the result of identity theft.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Georgia Student Finance Authority
State: TX

Complaint narrative:
I had three XXXX student loans that went into default. In XX/XX/XXXX, I entered a repayment plan with XXXX  in-house collection agency, XXXX XXXX XXXX XXXX I made seven consecutive on-time payments on all three loans. 

In XX/XX/XXXX, XXXX extended a settlement offer on two of the loans ( SALP 1A and 2A ), which I paid in full by the deadline. Despite that, XXXX continues to report these accounts as past due and in default, even after acknowledging full payment. 

Additionally, XXXX refuses to acknowledge the 7 months of on-time payments prior to settlement. Their representatives confirmed that the loans would continue to report as defaulted until their manual " write-off '' process was complete which can take up to XXXX business days. This practice is unfair and damaging. 

This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and Consumer Financial Protection Act ( 12 U.S.C. 5531 ) by misrepresenting the payment status and failing to report accurate, complete, and timely information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TN

Complaint narrative:
Chime bank closed my account with a balance of {$14000.00} in my saving account they said they closed my account due to suspicious activity and that I need to verify my identity to reopen account. so I did it immediately by uploading all proof to verify my account and identity after successfully completing and verification everything. They then said they were doing to close the account stating that i violated their rules and that the account will remain closed and they will mail out a check with the remaining balance but that never happened I never received anything reached out again to chime bank through via email and they told me they sent it bank to bank where money came from. So I contacted bank they never received anything so basically chime bank stole every dollar I had causing very badly financial hardship to me and my living situation and my business to close due to this issue they to continue chime bank then sent me a check for XXXX which was in my checking but still yet to receive other funds in my savings and no trace on where the funds was magically transferred to

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief