vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Mercury Technologies, Inc.
State: FL

Complaint narrative:
for Immediate Release of Funds and Explanation of Account Closures To Mercury Financial Support Team, My name is XXXX XXXX, and I am the founder and CEO of XXXX XXXX. I am writing to formally and urgently request the immediate release of all funds still held within our closed accounts, as well as a detailed explanation for why our business accounts were suddenly closed without warning or justification. Total amount of funds in account equaled {$950.00} USD. 

As a young XXXX business owner, I started my XXXX school at the age of XXXX, and we have proudly served our community and clients in good faith. Our company had ongoing transactions and client funds held within these accounts, and the sudden closures have caused severe disruption and harm to our business operations and reputation. 

To this day, we have received no official explanation as to why our accounts were terminated. Despite repeated requests for transparency and access to our rightful funds, your company has failed to respond. 

We are asking for : 1. Immediate release of all funds owed to us. 

2. A formal written explanation for the account closures. 

If we do not receive a response within XXXX business days, we will be forced to escalate this matter publicly and legally, including : Filing complaints with state and federal regulators ( CFPB, XXXX, XXXXtate Banking Commission ). 

Reaching out to media outlets and journalists to share our story of unfair treatment. 

Exploring legal remedies for damages caused to our business. 

We are still hoping for a professional and peaceful resolution to this situation. Please respond immediately to address this issue. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX, TX, XXXX ] [ Sunday, XX/XX/XXXX ] Credit Bureau TransUnion XXXX XXXX XXXX, XXXX, PA XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX *Subject : Formal Dispute and Removal of Fraudulent Hard Inquiries ( FCRA 605B ) * To Whom It May Concern, I am writing to formally dispute the following unauthorized hard inquiries on my credit report, which I believe resulted from fraud or identity theft under the Fair Credit Reporting Act ( FCRA 605B ). I did not authorize these inquiries, nor have I conducted business with these entities : 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 Background - I contacted each company directly, but they confirmed no record of my involvement. 
- I have not applied for credit, loans, or services with these entities in XXXX or any prior period. 
- These inquiries are harming my creditworthiness and may indicate criminal identity theft. 

**Request** : Pursuant to FCRA 605B, I demand the **permanent deletion** of these fraudulent inquiries. Enclosed are : 1. Social Security Number 2. My Phone Number 3. My Email Address **Certification** : I declare under penalty of perjury that the above information is accurate and these inquiries are fraudulent. 

Please investigate and remove these items within 30 days, as required by law. Additionally, place a **fraud alert** on my file and provide written confirmation of the resolution. 

Sincerely, [ XXXX XXXX ] [ XXXX ] [ XXXX ] **Enclosures** : - [ XXXX XXXX XXXX XXXX XXXX, TX 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 2025-03-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in XXXX days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I am writing to formally dispute the claim of civil liability for negligence and non-compliance under Code 16810 that has been asserted against me. The claim alleges that I am responsible for credit inquiry 's that I did not authorized, and I believe that this claim is unfounded. 

I respectfully request that this matter be reviewed and resolved based on the following points : Lack of Negligence : Contrary to the allegations made, I have taken all reasonable steps to ensure compliance with applicable laws, regulations, and standards. I have [ describe actions you took to avoid negligence or to comply with requirements ]. The claim of negligence is not supported by the facts or evidence at hand. 
Compliance with Relevant Requirements : I have complied with all relevant provisions as required under [ specific laws, regulations, or agreements ], including [ list any relevant actions, documents, or communications ]. To my knowledge, I have met all obligations and responsibilities that are outlined under Code 16810, and I have documentation to support this. 
Absence of Fault or Harm : In relation to the alleged harm or damage, I would like to emphasize that no actual harm has been caused as a direct result of any action or inaction on my part. Additionally, I believe that the claim of negligence does not demonstrate causality between my actions and the alleged consequences. 
Upon review of the claim, I have found several discrepancies that suggest the claim is based on inaccurate or incomplete information. Specifically, improper investigation. Requested proof of how it was validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: TX

Complaint narrative:
The inaccurate information pertaining to Charge-off that appears on my credit report, according to the information provided, this Charge offs does not belong to me, and I believe have been mistakenly reported, The specific details of this charge-off I disputed are. 
1.Date of last reported 2.Date Open 3.inaccurate information 4.Date of last activity 5.Payment history 6, High credit 7.Comments

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 2025-03-16 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: AL

Complaint narrative:
am filing a complaint against Equifax and Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax and Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax and Transunuons actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax and Transunion complies with federal law and provides consumers with the necessary proof of 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 2025-03-16 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: AL

Complaint narrative:
am filing a complaint against Equifax and Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax and Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax and Transunuons actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax and Transunion complies with federal law and provides consumers with the necessary proof of 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 2025-03-16 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: NJ

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 explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Credit, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I received an unauthorized correspondence from Sentry Credit, which is the first communication I have ever received from them. This message was sent during my working hours, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). In that message, I requested proof of the alleged debt, including the chain of assignments, and purchase agreement and a forward flow agreement, and validation of the debt as required under 15 USC 1692g. 

As of XX/XX/XXXX, I have not received any documentation or validation from Sentry Credit. Instead, on XX/XX/XXXX, I received an encrypted message through spam, which I did not access or approve. Additionally, despite my clear request to cease all communication and debt collection activities, I continued to receive messages from Sentry Credit. 

On XX/XX/XXXX, Sentry Credit responded again with an encrypted third-party spam message. Finally, on XX/XX/XXXX, Sentry Credit reported this debt on my credit report, even though they have failed to provide any documentation to validate the debt. 

This debt is not mine, and I believe I am a victim of identity theft. The actions of Sentry Credit are a violation of the FDCPA, specifically regarding failure to validate the debt, improper communication methods, and continued collection efforts after my request for cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: TN

Complaint narrative:
Due to identity theft XXXX XXXX has agreed to remove hard inquiry from my credit report and informed me that all three credit reporting agencies have been notified of this. 
XXXX and XXXX have honored this but TransUnion has failed to honor this and has refused to comply with this request.

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 2025-03-16 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-03-16 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: NC

Complaint narrative:
I, XXXX XXXX, hereby declare that the following information is identity theft and is fraudulent, as a result of Identity Theft, as a result of XXXX Data Attacks. The derogatory information reflected in my credit report maintained by XXXX under my Social Security number. As a victim of identity theft and the XXXX Data Breach ( Case No. XXXX ), I have been impacted by fraudulent account that must be removed from my credit file immediately. 

The accounts below are fraudulent. 
XXXX XXXX / Accnt # XXXX / {$570.00} / Fraud Date : XX/XX/XXXX XXXX XXXX XXXX / Accnt # XXXX / {$2700.00} / Fraud Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX / Accnt # XXXX / {$8900.00} / Fraud Date : XX/XX/XXXX XXXX XXXX XXXX / Accnt # XXXX / {$390.00} / Fraud Date : XX/XX/XXXX XXXX XXXX XXXX / Accnt # XXXX / {$71.00} / Fraud Date : XX/XX/XXXX XXXX XXXX XXXX / Accnt # XXXX / {$300.00} / Fraud Date : XX/XX/XXXX XXXX XXXX  XXXX Accnt XXXX XXXX $ XXXX Fraud Date : XX/XX/XXXX Issue : Identity theft resulting in unauthorized creation and reporting of these accounts. 

Your agency has routinely and uncritically accepted the original furnishers response to the above disputed information, even when responses were improbable or illogical on its face. I had no relationship with these entities, nor did I authorize the 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 2025-03-16 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: OH

Complaint narrative:
The incorrect balance is being reported on Equifax for my XXXX account ending in XXXX, it says {$320.00} it should be {$250.00} can you guys reach out to equifax and have them update my account with the correct information, your help will be greatly appreciated.Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: SC

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : EXPERIAN : Company : XXXX XXXX Account No. XXXX Balance : {$23000.00} Date Opened : XX/XX/XXXX Company : XXXX XXXX XXXX Account No. XXXX Balance : {$14000.00} Date Opened : XX/XX/XXXX TRANSUNION : Company : XXXX XXXX Account No. XXXX Balance : {$23000.00} Date Opened : XX/XX/XXXX Company : XXXX XXXX XXXX Account No. XXXX Balance : {$44000.00} Date Opened : XX/XX/XXXX EQUIFAX : Company : XXXX XXXX XXXX Account no. XXXX XXXX Balance : {$44.00}, XXXX Date Opened : XX/XX/XXXX Company : XXXX XXXX ( CLOSED ) Account no. XXXX  XXXX Balance : {$23000.00} Date Opened : 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 2025-03-16 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: 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 2025-03-16 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX Original Creditor XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. XXXX XXXX XXXX XXXX, XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX, TX XXXX, XXXX BAR XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX/XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX  Mortgage XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion, XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX, XXXX XXXX XXXX Credit Unions XX/XX/XXXX Experian, XXXX - XX/XX/XXXX Equifax, XXXX Mortgage Companies - Finance XX/XX/XXXX Experian

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 2025-03-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC.
State: OH

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 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 non-monetary relief