vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MECHANICS BANK
State: CA

Complaint narrative:
regarding an account listed on my credit report under the name XXXX XXXX. I have no knowledge of ever doing business with or authorizing any transactions with this entity, and I dispute both the origin and validity of this account entirely. 
Background and Dispute : Unauthorized Account Listing : The XXXX XXXXXXXX account appears on my credit report without my consent or any prior business relationship. I dispute the legitimacy of this account and request detailed verification of its origin, including all supporting documentation and chain-of-title evidence that links it to any transaction in my name.

Failure to Verify Under Legal Standards : Under the Uniform Commercial Code ( UCC ) 1-201 ( 20 ), any record that purports to verify an obligation must be substantiated by clear evidence or a sworn certification. Furthermore, UCC 3-501 ( b ) ( 2 ) requires that a party produce evidence of the obligation upon demand. I have not received such valid documentation proving that I have any ties to XXXX XXXXXXXX. This reporting is, therefore, inaccurate and unverified. 

Violation of Federal Statutory Requirements : In addition, the reporting of this unverified account may be in violation of relevant provisions of the United States Code ( USC ) that govern accurate credit reporting, including the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that all items on a consumers credit report must be accurate and fully verifiable. Since I did not authorize any business with XXXX XXXXXXXX, its continued presence on my credit report is both misleading and harmful. 


Demands and Requested Relief : Immediate Investigation : I request that the CFPB launch a thorough investigation into the origin of the XXXX XXXXXXXX account. Please require that the data furnisher provide comprehensive documentation, including any verification records and evidence that establish a valid connection between myself and XXXX XXXXXXXX. 


Permanent Deletion with Prejudice : If such verification can not be provided in full compliance with UCC verification requirements and the statutory mandates under the USC and FCRA, I demand that this account be permanently deleted from my credit reportwith prejudiceand never reinstituted without proper verification.

Compensation for Damages : The existence of this unauthorized and unverified account has caused me significant financial harm, including credit denials and adverse effects on my financial reputation. I, therefore, demand reasonable monetary compensation for the damages incurred as a result of this gross error and negligence.

I appreciate your prompt attention to this matter and expect a detailed response outlining the steps taken to investigate and resolve my complaint. Please do not hesitate to contact me if further information is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
To Whom It May Concern, This is a formal complaint regarding the XXXXXXXX XXXX account ( Acct # : XXXX ) on my credit reports. 

Issues include : - Charge-off status with an active balance - Discrepant " Date of Last Activity '' across bureaus - Continuous charge-off notations beyond standard credit reporting guidelines I previously disputed this account. However, the lack of resolution, continued inaccuracies, and missing documentation indicate that no proper reinvestigation was conducted. 

I am invoking my rights under : - FCRA 611 ( a ) - FCRA 607 ( b ) - FCRA 623 ( a ) ( 1 ) I request the credit bureaus and XXXXXXXX XXXX provide a detailed explanation of the reinvestigation process and remove the account if no accurate validation can be confirmed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
To Whom It May Concern, This is a formal complaint regarding the XXXXXXXX XXXX account ( Acct # : XXXX ) on my credit reports. 

Issues include : - Charge-off status with an active balance - Discrepant " Date of Last Activity '' across bureaus - Continuous charge-off notations beyond standard credit reporting guidelines I previously disputed this account. However, the lack of resolution, continued inaccuracies, and missing documentation indicate that no proper reinvestigation was conducted.

I am invoking my rights under : - FCRA 611 ( a ) - FCRA 607 ( b ) - FCRA 623 ( a ) ( 1 ) I request the credit bureaus and XXXX XXXX provide a detailed explanation of the reinvestigation process and remove the account if no accurate validation can be confirmed. 

Sincerely, 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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
To Whom It May Concern, I am writing to dispute the reporting of the Capital One account ( Acct # : XXXX ). 

Discrepancies include : - Reported balance exceeding credit limit - Conflicting last payment dates- Account previously in dispute flag, yet unresolved This continued presence on my credit report, after a dispute, reflects noncompliance with : - 611 ( a ) : Reasonable reinvestigation obligation - 607 ( b ) : Maximum accuracy requirement - 623 ( a ) ( 1 ) : Prohibition of knowingly reporting errors I demand documentation proving this account was fairly investigated. Otherwise, I request deletion under FCRA consumer protections. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: GA

Complaint narrative:
I am disputing these accounts and inquiries because they are fraudulent and unauthorized. I did not open these accounts nor did I apply for any credit that would justify these hard inquiries. This is a clear case of identity theft. I demand that these items be investigated and permanently removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Advance Loan Service
State: CA

Complaint narrative:
My bank information was stolen back in XXXX I have been waiting a year for my refund. My credit score has gone down I need the money back that was stolen out of my bank account

Company response to consumer: Untimely response
Consumer complaint received 2025-04-09 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: OH

Complaint narrative:
This is not a misunderstanding or an error on my part, this is a legitimate and urgent complaint. My credit report contains inaccurate information that clearly fails to meet the legal standard of maximum possible accuracy. These inaccuracies are having a serious and ongoing negative impact on my life, affecting me emotionally, financially, and mentally during an already difficult time. The burden they are placing on me is severe, and I can not overstate how important it is that this issue be corrected immediately.

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 2025-04-09 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Dispute of Collection Account for Apartment Trails at XXXX XXXX Account Number : [ Insert Account Number if available ] Date Reported : XX/XX/XXXX Balance Owed : {$970.00} Date Assigned : XX/XX/XXXX Dear Sir/Madam, I am writing to formally dispute the collection account referenced above, which has been reported on my credit report by your agency, XXXX XXXX XXXX XXXX The information associated with this account may be inaccurate, and I am requesting an immediate investigation and verification of this debt under the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1681e ( b ), credit reporting agencies and debt collectors are required to maintain reasonable procedures to ensure the accuracy of the information provided on my credit report. It is my belief that this collection account is either inaccurate or reported incorrectly. 

I request that you provide the following documentation to verify this debt : Proof that this debt belongs to me, including any signed agreements or contracts ; An itemized statement of the original debt amount, including any interest or fees ; Documentation showing the exact date of the original charge, the date of first delinquency, and any relevant payments made ; Verification from the original creditor, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, to confirm the account details. 
Additionally, under 15 U.S.C. 1681g, I am requesting a full disclosure of all information related to this collection account. I have the right to review all data impacting my credit report, and this information should be provided to me. 
I request that you complete the investigation within the 30-day period as required by law. If you can not provide sufficient documentation to verify this debt, I ask that you immediately remove this account from my credit report, as per 15 U.S.C. 1681i. 

Please send your response and any relevant documentation to the address provided above. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Dispute of Collection Account for Apartment Trails at XXXX XXXX Account Number : [ Insert Account Number if available ] Date Reported : XX/XX/XXXX Balance Owed : {$970.00} Date Assigned : XX/XX/XXXX Dear Sir/Madam, I am writing to formally dispute the collection account referenced above, which has been reported on my credit report by your agency, XXXX XXXX XXXX XXXX The information associated with this account may be inaccurate, and I am requesting an immediate investigation and verification of this debt under the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1681e ( b ), credit reporting agencies and debt collectors are required to maintain reasonable procedures to ensure the accuracy of the information provided on my credit report. It is my belief that this collection account is either inaccurate or reported incorrectly. 

I request that you provide the following documentation to verify this debt : Proof that this debt belongs to me, including any signed agreements or contracts ; An itemized statement of the original debt amount, including any interest or fees ; Documentation showing the exact date of the original charge, the date of first delinquency, and any relevant payments made ; Verification from the original creditor, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, to confirm the account details. 
Additionally, under 15 U.S.C. 1681g, I am requesting a full disclosure of all information related to this collection account. I have the right to review all data impacting my credit report, and this information should be provided to me. 
I request that you complete the investigation within the 30-day period as required by law. If you can not provide sufficient documentation to verify this debt, I ask that you immediately remove this account from my credit report, as per 15 U.S.C. 1681i. 

Please send your response and any relevant documentation to the address provided above. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
Dear ChexSystems Dispute Resolution Team, I am writing to formally dispute the information on my ChexSystems report. This is a result of identity theft I do not own any of these accounts and I want these inquirys removed immediately. 

Inquirer : XXXX XXXX XXXX ; Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX XXXX XXXX ; Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX ; Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX ; Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX XXXX XXXX ; Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX XXXX ; Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX XXXX XXXX ; Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX  ; Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX XXXX XXXX ; Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX XXXX XXXX ; Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX ; l Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX XXXX XXXX ; Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX XXXX, XXXX ; On Behalf Of : XXXX XXXX ; Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX ; On Behalf Of : XXXX XXXX, XXXX ; Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX ; On Behalf Of : XXXX XXXX, XXXX ; Inquiry 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 explanation
Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports I noticed some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the informations I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, proof of address, and identity theft letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: LEXISNEXIS
State: IN

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # attached ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # attached ).

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint because Experian did not conduct a proper investigation into the accounts I disputed, specifically : XXXX XXXX XXXX  Account ending in XXXX XXXX XXXX Account ending in XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or incomplete information and expect a reasonable reinvestigation by the credit reporting agency. Despite providing sufficient information to support my dispute, Experian failed to properly investigate these accounts and continues to report them inaccurately.

Additionally, per 15 U.S.C. 1681s-2, furnishers of information are required to correct and update information after being notified of a dispute. Experians failure to ensure the accuracy of this data violates its obligation under 15 U.S.C. 1681e ( b ). 

I am requesting that the Consumer Financial Protection Bureau take action to ensure that Experian conducts a proper reinvestigation and removes or corrects any unverifiable or inaccurate information associated with these accounts.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am in the middle of purchasing a home for my family. I have reached out to the company several times to either correct this account or remove it. Each time I ask to speak to a supervisor the call dropped immediately. Could you please investigate as the company has not provided any type of customer service and this has been highly frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) for multiple charge-off accounts that remain on my credit report despite formal disputes. 

The accounts in question are : Account name XXXX  XXXX Account number XXXX Balance {$0.00} Account name XXXX XXXX XXXX Account number XXXX Balance {$3300.00} Account name XXXX XXXX, XXXX. 
Account number XXXX Balance {$150.00} I previously submitted disputes to the credit bureaus and/or directly to the furnishers, citing FCRA 611 and FCRA 623 ( a ) ( 8 ), yet these accounts remain unchanged and unverifiable.

In addition, if these accounts were the result of identity theft, they should have been blocked per FCRA 605B. I have attached : FTC Identity Theft Report Copy of ID Copy of Social Security Card Legal Document to verify address

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 2025-04-09 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: FL

Complaint narrative:
Dear CFPB Re : CREDIT KARMA XXXX ACCOUNT Account Freeze and Unlawful Detention of Funds I'm writing to express extreme frustration and disappointment at the unjustified freeze on my account and the unlawful detention of my funds. Despite multiple attempts to resolve this, your customer support has been unhelpful. 

Your actions have caused significant financial stress and inconvenience. I demand that you take immediate action to : 1. Release my frozen funds 2. Reactivate my account 3. Provide a clear explanation for the freeze If I don't see resolution within 14 days, I'll be forced to : 1. File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) 2. Share my experience publicly to warn others 3. Explore legal options to recover damages I expect prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief