vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/year> [ Equifax / Experian / TransUnion ] Subject : Formal Request for Immediate Removal of Inaccurate Negative Items from My Credit Report To Whom It May Concern, I am writing to formally dispute the following inaccurate, outdated, or unverifiable negative entries that appear on my credit report ( see attached copy of report with items highlighted ). As provided under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute these items and request their immediate removal or correction. 

The following items are inaccurate or unverifiable : XXXX XXXX XXXX  XXXX ga XXXX XXXXXXXX XXXX : XXXX : Inaccurate because : not my account, XXXX XXXXXXXX : not my account XXXX XXXX XXXX  XXXX : not my account XXXX XXXX  XXXX ; NOT MY ACCOUNT XXXX  XXXX : REMOVE ALL LATE payments XXXX XXXXXXXX XXXX XXXX : not my account XXXX XXXX : not my account XXXX XXXX  XXXX : This item is unverifiable and has no supporting documentation provided to me upon request. 

Remove all inquiries and closed account Under the FCRA, you are required to investigate and delete any information that can not be verified or is found to be inaccurate. If you are unable to provide proper validation within XXXX  days of receiving this letter, I expect these items to be permanently deleted from my report. 

Please send written confirmation that these items have been removed or corrected. I am also requesting an updated copy of my credit report reflecting these changes. 

Failure to comply with this request will leave me no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue any further legal remedies available to me under the law. 

I have enclosed the following documents to support my request : A copy of my government-issued ID Proof of address Please consider this letter a formal demand and act accordingly. I expect your written response within XXXX days, as required by law. 

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 2025-04-14 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: NC

Complaint narrative:
I am writing to report identity theft. While reviewing my credit report, I discovered several fraudulent accounts that I did not authorize. These accounts are not mine, and I have no connection to them. These inaccurate accounts are negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience. I request the immediate removal of these fraudulent accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: MN

Complaint narrative:
I have sent letters sent by certified mail on XX/XX/year> to the Credit Reporting agency about the accounts reporting on my credit profile. I have an electronic receipt that shows they received the letter on XX/XX/year>. By law they have 30 days to investigate and update my account. I also requested in the letter for the agency to provide how these accounts were verified and the procedure of how this was conducted. The agency re -investigated each account and marked it verified but has not provided any documentations or their Method of Verification pertaining to these accounts. Based on 15 U.S.C 1681, which is part of the Fair Credit Reporting Act ( FCRA ), the agencies are not lawfully reporting accurate information on my credit report and must provide verified documentation in the next 15 days, if not must be deleted immediately from my credit report. The accounts are XXXX XXXX bank, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have biweekly direct deposits set up on my BMO checking account. Around two months after opening, my account was closed for no reason. I tried to ask online and call customer service and no one could give me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following items : Fraudulent credit card account appearing opened at XXXX XXXX on XX/XX/XXXX Fraudulent credit card account appearing opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX Fraudulent credit card account appearing opened at XXXX XXXXXXXX on XX/XX/XXXX Fraudulent credit card account appearing opened at XXXX XXXX on XX/XX/XXXX Fraudulent unsecured loan account appearing opened at XXXX XXXX on XX/XX/XXXX Fraudulent unsecured loan account appearing opened at XXXX XXXX on XX/XX/XXXX Fraudulent unsecured loan account appearing opened at XXXX XXXX on XX/XX/XXXX Fraudulent unsecured loan account appearing opened at XXXX XXXX on XX/XX/XXXX Fraudulent Auto Loan account appearing opened at XXXX XXXX on XX/XX/XXXX Fraudulent unsecured loan account appearing opened at XXXX XXXX on XX/XX/XXXX Fraudulent collection account appearing opened at XXXX XXXX XXXX on XX/XX/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 XXXXXX/XX/XXXX These items have resulted in other several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud .I 've attached an affidavit of truth, proof of identity, proof of address and a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I have also attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX closed my account several years ago due to the fact we sell XXXX so we stopped selling XXXX and went to XXXX XXXX then closed my account several years later because they had no branch manager at the time to confirm with corporate that we are legit brick and motor store. They closed me down for large cash deposits but we have three locations and thats just the cash we make. They didnt allow us to respond or provide any proof. Them ending their relationship with me also caused me damages as we use XXXX to purchase tobacco and would normally receive 2 % cashback but since they do not do business with us, we were not able to receive close to XXXX a year in cashback Now Wells Fargo is closing our account not providing any information. 

We are legit businesses and can provide proof, but all financial institutions are shutting me down for no reason every time we have to switch banks it cost me thousands of dollars and delays income

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 2025-04-14 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing regarding a concerning situation with my Capital One bank accounts on XX/XX/year> Recently, all three of my checking accounts totaling ( {$620.00} and counting ( my savings account totaling were frozen without any prior notification or communication from Capital One. 

Upon contacting customer service, I was informed that there is a pending investigation, but no additional information or timeframe for resolution was provided. This situation is particularly problematic as these accounts still contain funds that I can not access. 

Additionally, I would like to note that my XXXX  's XXXX XXXX  XXXX XXXX  support weekly {$170.00} payments continue to be accepted and held by Capital One, despite the accounts being frozen. 

I would appreciate prompt attention to this matter, including information about the nature of the investigation, when I might expect resolution, and how I can access my funds in the meantime. 

Thank you for your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
I am writing to formally contest the recent verification of the following accounts, which I believe is inaccurate and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX. XXXX XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX ACCT # XXXX As stated in 15 U.S.C. 1681 ( a ), I have federally protected rights to privacy and confidentiality. Additionally, 15 U.S.C. 1681e ( a ) indicates that a consumer reporting agency can not furnish information without my written instructions. The continued reporting of these accounts without my consent is a direct violation of my rights. 
Moreover, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including any adverse item of information that antedates the report by more than seven years. Furthermore, as per 15 U.S.C. 1681s-2 ( a ) ( 1 ), no information should be furnished if the entity knows or has reasonable cause to believe that the information is inaccurate. 
I demand that the credit bureaus provide verifiable evidence supporting the verification of these accounts, as I maintain that the information currently reported is not accurate. If the agencies are unable to provide this evidence, I expect the removal of these entries from my credit report. 
Failure to comply with the provisions of the FCRA not only undermines my consumer rights but may also constitute legal violations. I appreciate your prompt attention to this matter and look forward to a thorough investigation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I would like to request the temporary removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My name is XXXX XXXX please add this new issue I need to be complaint to cfbp case number XXXX My name is XXXX XXXX I need to dispute payments XXXX XXXX  proce for XXXX XXXX and XXXX XXXX for {$140.00} and for {$190.00} because I didnt received my service and service wasnt completed fully right and it was a service to serve legal documents to a court office but they wont refund me or help me resolve my issue when I contacted them and when I called the dispute to dispute it for both payments they told me they couldnt dispute it or they dispute it but the system rejected it the same day and close it out for no reason but I told the one agent to reopen it or dispute it again but she told me she will but I dont think she did it she claim she will add a note to it but it might be rejected again so I need yall to reopen the denied disputes for both payments or appeal it to be reopen or refile it for both payments or dispute it for both payments or dispute it again for both payments and then give me the claim number for both disputes for both payments and my card number is XXXX XXXX XXXX XXXX or give me a onetime credit for both payments because I disagree with the decision with made account number is XXXXUpdate I got this letter in the mail today and I need yall to reopen the dispute or appeal it to be reopen and investigate again because I disagree with the decision or give me a onetime credit for both payments because I really need my money back for both payments because dispute was mess up by yall agents end and fault it wasnt file right it was rejected couldnt be file or was denied and closed out the same day agents told me and different agents told me different stories it was file or not file or rejected or denied or couldnt be file but I want it to be reopen investigation again fully right or appeal to be reopen and investigate again or file it to a new dispute number for both payments with new clean claim evidence historys and then provide me the new decision for the new claim for both payments or override the rejected or denied claim and favor both payments in my end and add the both payments credits to my account and look at attachment below please etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-14 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: MI

Complaint narrative:
XXXX. I Want to Dispute From XXXX to XXXX from all these years 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 explanation
Consumer complaint received 2025-04-14 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
XXXX. I Want to Dispute From XXXX to XXXX from all these years XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief