vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Irs attempted to deposit my refund into my savings account but my account was in charge off due to me not knowing it was inactive - I came into the bank and found out and had it fixed and just so happened to notice few days prior the ACH was attempted by the irs and the bank sent it back. About a month later the irs sent me the same check in the mail and I came back into the bank and deposited it and was told it would be placed on a XXXX  day hold. I know government checks shouldnt be held but due to the previous status of my XXXX I agreed. XXXX business days later I came into the branch to see the check was still being held with no release date. After speaking with back office and XXXX of run around we found out they refuse to release the check for absolutely no reason at all. There was no issue with the check, the bank was paid after the XXXX day of deposit, no issues with the bank account and no other reason for the bank to continue to hold the funds. I asked for a certified copy of the check so I could deposit into another bank institution if this bank didnt want to do business given the prior mishap and the bank also refused to give me a certified copy which is illegal. So technically the bank got paid and wont release my funds to me doesnt make any sense and I feel that I am being XXXX profiled based on my age and race. Ive provided everything thing asked of me to verify this check deposit and they proceeded to violate my rights by asking personal information about the details of my financials, job and irs filing status. None of that information has anything to do with the now cleared check the refund was sent to me XXXX once by ACH into the same acc and I physically in the branch the second time. As far as my personal business of why the irs sent me the refund isnt their business even tho I provided it. Yet they still refuse to release the check and gave me a cell phone number to some random guy they say works for the irs to verify my information. Mind you this guy is on a cell phone, non recorded line and the bank wants me to give him my personal information?? He has no id and call isnt recorded- this is definitely XXXX profiling and when we asked the to release the check they refused. So they have been paid and dont want to release the funds while having no legitimate reason to hold it RBFCU, randolf brooks federal credit union , I would never do business here ever again - still a current issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
These items are inaccurate, incomplete, and/or the result of identity theft. I request that they be investigated and removed immediately under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair and Accurate Credit Transactions Act ( FACTA ), 15 U.S.C. 1681c-2.

Below are the accounts in question : What? 
XXXX. XXXX XXXX XXXX Account Balance : XXXX This account is fraudulent. I have attached the original theft report confirming that I did not open this credit card. While you removed the fraudulent car loan associated with this incident, this credit card remains on my report. Both accounts were opened electronically and tied to a prior address where I no longer reside. I request immediate removal of this account. 
Dates : XXXX XXXX XXXX. Bankruptcy XXXX XXXX Account Balance : XXXX  XXXX XXXX This account is also fraudulent. After investigation, I discovered that this bankruptcy was never filed. I did not authorize or incur this charge. Please remove this account from my credit report. 
Date : XXXX XXXX XXXX XXXX This account is fraudulent. I have attached the original theft report confirming that I did not open this credit card. While you removed the fraudulent car loan associated with this incident, this credit card remains on my report. Both accounts were opened electronically and tied to a prior address where I no longer reside. I request immediate removal of this account. 

Adresses that are not mine : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA

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 2025-06-25 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: GA

Complaint narrative:
These items are inaccurate, incomplete, and/or the result of identity theft. I request that they be investigated and removed immediately under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair and Accurate Credit Transactions Act ( FACTA ), 15 U.S.C. 1681c-2.

Below are the accounts in question : What? 
XXXX. XXXX XXXX XXXX Account Balance : XXXX This account is fraudulent. I have attached the original theft report confirming that I did not open this credit card. While you removed the fraudulent car loan associated with this incident, this credit card remains on my report. Both accounts were opened electronically and tied to a prior address where I no longer reside. I request immediate removal of this account. 
Dates : XXXX XXXX XXXX. Bankruptcy XXXX XXXX Account Balance : XXXX  XXXX XXXX This account is also fraudulent. After investigation, I discovered that this bankruptcy was never filed. I did not authorize or incur this charge. Please remove this account from my credit report. 
Date : XXXX XXXX XXXX XXXX This account is fraudulent. I have attached the original theft report confirming that I did not open this credit card. While you removed the fraudulent car loan associated with this incident, this credit card remains on my report. Both accounts were opened electronically and tied to a prior address where I no longer reside. I request immediate removal of this account. 

Adresses that are not mine : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA

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 2025-06-25 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Collection Agency has not provided me validation information in regards to alleged debt before reporting to consumer reporting agencies.

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 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX I sent a dispute, validation of debt to this company and never receive anything from them. 

LVNV FUNDING LLC Acct # XXXX I attache the letter that i sent to them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ).

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 
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 explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I sent a dispute, validation of debt to this company and never receive anything from them. 

Jefferson Capital Systems , LLC Acct # XXXX XXXX attache the letter that i sent to them, I get the prove that I sent a validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
( XXXX ) Block Except as otherwise provided in this section, a consumer reporting agencyshall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I was scammed out of {$2000.00} via PayPal XXXX XXXX XXXX. I was contacted on XXXX by someone claiming to be selling digital tickets to a concert. I sent the money using PayPal XXXX XXXX XXXX after they provided what appeared to be legitimate XXXX tickets. 

After I paid, the seller contacted XXXX, claimed fraud, and got the tickets returned to their own account effectively stealing my payment and the tickets. I contacted PayPal to report this, but they refused to help because the payment was made using XXXX XXXX XXXX 

I understand PayPals policy, but I was misled into using XXXX XXXX XXXX under false pretenses. This was clearly a scam and I am requesting PayPal reopen or escalate the case due to the fraudulent nature of the transaction and the amount involved. 

I am a long-time PayPal customer, and I would like CFPB assistance in getting PayPal to take this fraud seriously and help me recover the funds or take further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: IN

Complaint narrative:
I hope this complaint finds you well. I would like to follow up on the complaints I sent to your attention regarding certain items on my credit report. 
As of today, I have not received any communication or updates regarding the resolution of the disputes I sent to the bureaus. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication. 
The following are the items that I would like to be removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$94.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name. 

These accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging. 

Legal Grounds for Immediate Deletion : Pursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data : XXXX XXXX XXXXXXXX  XXXX : I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request. 

XXXX XXXX XXXX XXXX, Subpart XXXX : You are legally required to delete fraudulent information from my credit file within XXXX ( XXXX ) business days of receiving notice. 

XXXX XXXX XXXX  XXXX ( XXXX ) ( B ) : Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report. 

XXXX XXXX XXXX  XXXX : Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law. 

Demand for Immediate Action : Let me be absolutely clear : These accounts are fraudulent. 

Your continued reporting of them is reckless and potentially unlawful. 

I demand that all fraudulent accounts and inquiries be deleted from my credit file immediately. 

Any collection efforts tied to these accounts must cease and desist without delay. 

BELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$19000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2020 Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX * Balance {$500.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: IN

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting FCRA 623 Dear Equifax, I am writing to formally dispute the accuracy of the information you are reporting to my credit report regarding the account you claim I owe. The account in question is currently appearing on my Equifax, and TransUnion credit reports, but with inconsistent and inaccurate reporting across all three bureaus. The primary issue is as follows : You are reporting this as an open account in the account status field, yet also labeling it a collection account in the remarks. This is misleading and not an accurate representation of the true nature of the account. If this is a collection account ( as you indicate in the remarks ), it should be reported as a closed account not as open. Reporting this account as open suggests it is an active line of credit, which negatively affects my credit utilization ratio and falsely represents my financial activity. Furthermore : The reporting is inconsistent across the three credit bureaus. There is no clear identification of this being a collection account in the payment history section. If this debt is disputed ( as it now is ), it must be clearly marked as disputed across all three credit reports under FCRA 623 ( a ) ( 3 ). This inaccurate reporting may be in violation of : FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information that is inaccurate or misleading FCRA 623 ( b ) : Failing to conduct a reasonable investigation of a dispute FDCPA 807 ( 2 ) ( A ) : Misrepresentation of the character, amount, or legal status of a debt CFPB Consent Orders ( XXXX and XXXX ) : XXXX XXXX  was found in violation of these same provisions for similar conduct Request : I hereby request that you : 1. Conduct a reasonable investigation into this account under FCRA 623 ( b ) 2. Provide full validation of this debt as required under FDCPA 809 ( b ) 3. Correct the reporting immediately to reflect the accurate and legal status of the account If this is a collection account, it must be reported as closed The account must also be marked as disputed 4. If you are unable to verify and correct this within 30 days, the account must be deleted from all consumer reporting agencies Please request from XXXX XXXX XXXX to send all documentation which validate this account, including : Proof of ownership, chain of title of the debt, Transfer of assignment permission to collect on this debt within Illinois, Original account agreement with signature itemized accounting of the balance claimed I am keeping records of all correspondence and monitoring my credit reports closely. If this issue is not resolved promptly, I am prepared to escalate this matter by pursuing all legal remedies available to me under the FCRA, FDCPA, and applicable state law. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information listed on my credit report. I have identified multiple violations of the law, violations of the fair credit reporting act. Certified mail, federal trade commission identity theft report, alongside a letter of deletion has been sent out directly to each creditor as well as the credit reporting agencies. Legal actions will be taken if this is not dealt with in a timely matter. Below I have attached my Florida Drivers license, signed social security card, as well as my federal trade commission report. Remove this immediately or I will be suing the credit reporting agencies for improper use of my consumer report causing me financial harm. Accounts listed before. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I have previously disputed with XXXX XXXX and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: IA

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by XXXX XXXX. The issue concerns an auto loan account that was originally joint, but is no longer my financial responsibility as per the terms of a signed legal separation agreement. This document clearly states that I am not liable for the loan. 

I have already disputed this account with XXXX XXXX directly, as well as with all three major credit bureaus ( Equifax, Experian, and TransUnion ). In each case, I provided a copy of the signed separation agreement as legal proof that I should no longer be held financially responsible for this account. 

Despite this, the account continues to be reported under my name and is having a negative impact on my credit score. Ally has failed to acknowledge the legal documentation or take corrective action, and the credit bureaus have not removed the inaccurate information despite being notified. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting. XXXX continued furnishing of incorrect information, and the bureaus failure to correct it, violates those rights. 

I am requesting that the CFPB investigate this matter and ensure that XXXX XXXX either : Provides legal justification for continuing to report this account under my name, despite my release of liability, or Immediately corrects the reporting with all three bureaus and removes the account from my credit profile.

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