vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Request for Investigation and Removal of Inaccurate Information Pursuant to 15 U.S.C. 1681i, 1681b, and 1681n To Whom It May Concern : I am formally disputing the accuracy and permissible purpose of certain information appearing on my consumer report. I request a thorough reinvestigation of the items identified below, as required by 15 U.S.C. 1681i, which mandates prompt and reasonable procedures to verify disputed information. 

Items in Dispute : Inquiry from : 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 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 Reason for Dispute : Not mine/ inaccurate / unverifiable / unauthorized I also request that you verify that the reporting party had a permissible purpose under 15 U.S.C. 1681b to obtain or furnish my consumer information. If no permissible purpose exists, this entry must be deleted immediately. 
In light of the CFPB lawsuit filed against Experian on XX/XX/year>, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. 
Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response, via mail. 

Be advised that furnishing or reporting information that is inaccurate, unverified, or accessed without permissible purpose may constitute a willful or negligent violation of the Fair Credit Reporting Act. Under 15 U.S.C. 1681n, any willful noncompliance is subject to civil liability, statutory damages, and attorneys fees.

Please provide the following : 1. The results of your reinvestigation.

2. The method and documentation used to verify the disputed items.

3. Written confirmation if any information is deleted or corrected.

4. Identification of anyone with whom my disputed data was shared.

I expect your full response within the legally required timeframe. Please send all correspondence to the address listed above. 

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 explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
Im disputing inaccurate/unverified credit reporting with XXXX  and XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have sent written disputes since the month of XXXX and provided documents ( attached ). The companies did not correct, verify properly, or mark the items as disputed, contrary to the FCRA/FACTA and FDCPA.

Please require deletion/correction of the specific items listed in my attachments across all bureaus, or provide proper verification ( method of verification and source ). Also confirm changes in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WSFS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have still yet to receive any physical information on this account. I never received information that this account was in the negative and have asked for proof that they sent it and what address. I have asked for proof of the joint ownership on this account because that is incorrect. The joint owner was NOT on this account. Yes this amount was paid when hitting my credit because this was the first of knowing that this account was even in the negative because 1. It should have never been overdraft and 2. There was NOT a joint ownership on this account. There was another account with a joint ownership but after going to XXXX XXXX WSFS they would not put the joint owner on the account they are stating that was negative. Again I have not received any documentation of the joint owner sinning for this specific account, that they had tried to reach out due to late/over due payment, and that documentation should be provided that I allowed the account to be overdraft. There should be no joint owner again on this account. Will proceed with legal representation since nothing is getting resolved. Thank you.

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 2025-11-21 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: AZ

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
This situation has caused me severe emotional distress, tension in my marriage, and concerns about my job. I feel overwhelmed because an account I never authorized is harming my credit and reputation. The lender found no record linked to me, confirming this is fraudulent. I urgently request that all of this be REMOVED and BLOCKED from my credit report. These unauthorized inquiries must be removed, including XX/XX/XXXXon XX/XX/XXXX, XXXX on XX/XX/XXXX, and XX/XX/XXXX on XX/XX/XXXX. This Bankruptcy must also be deleted, specifically XXXX XXXX Bankruptcy under case number XXXX. Additionally, these fraudulent accounts must be removed as well, including XX/XX/XXXXfrom XX/XX/XXXX and XXXX XXXX from XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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 situation has caused me severe emotional distress, tension in my marriage, and concerns about my job. I feel overwhelmed because an account I never authorized is harming my credit and reputation. The lender found no record linked to me, confirming this is fraudulent. I urgently request that all of this be REMOVED and BLOCKED from my credit report. These unauthorized inquiries must be removed, including XX/XX/XXXXon XX/XX/XXXX, XXXX on XX/XX/XXXX, and XX/XX/XXXX on XX/XX/XXXX. This Bankruptcy must also be deleted, specifically XXXX XXXX Bankruptcy under case number XXXX. Additionally, these fraudulent accounts must be removed as well, including XX/XX/XXXXfrom XX/XX/XXXX and XXXX XXXX from 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 non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
here are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-11-21 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:
I am writing to dispute several accounts listed on my credit report that I believe to be inaccurate or incomplete. I am a consumer seeking to resolve the following disputes. Below, I have provided the relevant details for each account in dispute, separated by bureau. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00} Inquiries : XXXX  Date : 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 non-monetary relief
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
I hold no ties to these accounts ; please delete them within 15 days in line with USC 1681g.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is NOT a duplicate complaint. 
This filing continues CFPB Complaint # XXXX, because Experian refused to complete the investigation and falsely reported an unauthorized third party instead of verifying my identity. 

On XX/XX/XXXX, I submitted a CFPB complaint regarding Experians handling of an ongoing credit reporting dispute. On XX/XX/XXXX, Experian responded to the CFPB claiming they could not proceed because a third party was involved. That is incorrect. There has never been any third party, and I am the only person involved. 

Per the CFPBs instructions, I contacted Experian directly to verify my identity so the investigation could continue. When I reached Experian, I was unable to complete the verification they demanded. I clearly provided the dispute date ( XX/XX/XXXX ) and the CFPB complaint number. XXXX Experian representatives repeatedly stated they could not see any XXXX complaint, even though Experian had already responded to the CFPB about it that same day. 
When I requested a supervisor ( identified as XXXX XXXX, she repeated the same false information, stated the complaint did not exist, and refused to verify my identity or authorize the dispute. 

Because Experian blocked me from completing the authorization they required, the original CFPB complaint could not be resolved. This new filing is necessary so the investigation can continue and Experian can meet its legal obligations under FCRA 1681i and 1681s-2 ( b ).

Experians refusal is part of an ongoing pattern of inaccurate and inconsistent handling of this tradeline : Experian continues updating a charged-off account monthly, even though no consumer activity has occurred since XX/XX/XXXX. 
Experian updated the account status during an active dispute. 
Experian accepted a furnishers verification without addressing documented inconsistencies. 
Experian has not provided documentation that verifies the accuracy of the reporting. 
Experians unauthorized third party claim is false and appears to be a stall tactic to avoid completing the investigation. 

I am requesting a complete reinvestigation, correction of all inaccurate information, and deletion of any unverifiable or improperly updated data. 

This complaint includes the same evidence as the original CFPB filing because Experian prevented the completion of the first 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 2025-11-21 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 submitting this dispute to address discrepancies found on my credit report across the XXXX major credit bureaus XXXX XXXX XXXX XXXX XXXX Experian ( EX ), and XXXX XXXX XXXX XXXX. Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, late payments, and positive accounts. 
Charged Off Accounts : XXXX  XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$450.00} XXXX XXXX XXXX XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$160.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
b'CEASE AND DESIST  Improper Credit ReportingXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: CEASE AND DESIST  Unlawful Credit Reporting Activities\n\nTo Whom It May Concern:\n\nThis letter is a formal demand that you immediately cease and desist from reporting or furnishing inaccurate, incomplete, or unverifiable information regarding the alleged account below:\n\nAccount Name/Number:All accounts reporting to \nLatoya Lassiter\n\n\nUnder the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA), you are prohibited from reporting false, unverifiable, or misleading information.\n\nI demand that you:\n1. Immediately stop reporting this account to all credit bureaus.\n2. Remove inaccurate or unverifiable entries.\n3. Provide written confirmation within 10 days.\n\nFailure to comply may result in complaints filed with the CFPB, FTC, the State Attorney General, and potential legal action.\n\nSincerely,XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: NJ

Complaint narrative:
I am a consumer who is trying to fix my credit and I have found several discrepancies in my credit report. I am submitting this dispute to the CFPB for investigation and resolution. Below are the accounts I am disputing, categorized by each credit bureau. 

EQUIFAX ( EQ ) CHARGED OFF XXXX, XXXX, XX/XX/XXXX, {$790.00} XXXX XXXXXXXX, XX/XX/XXXX, {$21000.00} XXXX XXXX XXXX XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$790.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: FL

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 explanation
Consumer complaint received 2025-11-21 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: GA

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 2025-11-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: OH

Complaint narrative:
I have XXXX accounts with Chime Banking XXXX account. XXXX XXXX account and XXXX account. I had my social security XXXX check direct deposited in Chime bank for XXXX to XXXX years. My account was closed unexpectedly and I wasn't told why. My social security check was returned to social security about XXXX months ago so I had to get a new account for direct deposit with a new bank. I have had many thousands of dollars dissappear directly out of my XXXX  account and don't know if the money went into the XXXX  account or where it went. And also have every transaction spent from my Chime card rounded up to the nearest dollar and that went directly into my XXXX  account. There was also a certain amount from every check that went into my XXXX  account but can't remember the exact amount. 
Chime will not give me any information on my account and will not return the money to me or give me any bank statements or change my mailing address. Email or phone number and won't tell me the balances or help me in any way.... They tell me I need my original email address and phone number used which I can not remember. I have already proven and verified my accounts with my identification picture i.d . and birth certificate XXXX times prior to unlock my account but they will not unlock my account now with my picture i.d . and birth certificate. They are witholding my funds and giving me no way to require any of it. They say there is nothing they can do without the original email and phone number. Thank you. 
XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-21 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:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered 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