vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
On XX/XX/XXXX my employer was served with garnishment wages by Pressler , Felt & Warshaw , LLP it stated that it was out of XXXX XXXX NJ XXXX XXXX  part. I never received any documents prior to this at my home via regular mail and or certified mail. My employer did not receive the letter via certified mail either. when I called XXXXXXXX XXXX XXXXXXXX court and provided them with my Docket number XXXX  XXXX they advised that this debt belonged to XXXX XXXX which is not me. Pressler , Felt & Warshaw , LLP impersonated a judge that died in XXXX of XXXX and the letter sent to me was dated XXXX and recieved not certified letter to my employer on XXXX. Everything on the letter was false information in obtained a phone number and email of a diseased judge that did not work for XXXX years. XXXX XXXX XXXX XXXX admitted to me that the docket number for these particular garnishments have not been entered with XXXX countly nor is it under the same name as me. Pressler , Felt & Warshaw , LLP never formally entered legal documents. I have asked them for proof of everything .The people that work at Pressler , Felt & Warshaw , LLP are very rude whom pretend to be lawyers when I ask them for the law license number they refuse to provide. I have asked them for prrof of documents that were sent to my home and they refuse. the jugde that they declare has signed this letter is XXXX XXXX whom is XXXX the email that they have on the document is XXXX which is not a goverment email and or a lawyer email. they sent it stamped with XXXX XXXX XXXXXXXX XXXX  and when I called XXXX XXXX answered and advised that no XXXX document exists with them. They sent an email to my employer asking for my wages to be garnished i filed a mossion to vacate default as well as objection to garnisgment and answer out of time. they asked on the letter for all payments to be sent to a XXXX human being XXXX XXXX court XXXX XXXX XXXX XXXX XXXX NJ which is not even the address of XXXX XXXXXXXX XXXX court. Everything on the letter that was presented to me for the forst time by my employer was falsefioed. no legal documents have ever been sent to my home and they are lying about documents Pressler , Felt & Warshaw , LLP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One and XXXX both have written off alleged debt on my credit report. Both was asked to provide me with a 1099C as required by law. Its been over 90 days and neither company have responded to my request in XXXX of 2024. Because of their neglect I am asking both accounts be removed from my credit report. 

Please be advised that XXXX XXXX XXXX, nor can Capital One can not charge off or write off a debt on my credit report and still report a balance on my report, where it says Closed {$20000.00} written off for upstart, and written off {$3500.00} for Capital One. The balance owed must be removed immediately. And 15 U.S. Code 1635, and 15 U.S. Code 1629g says you must delete the charge off from Upstart and Capital One because its a confirmed charged off.

In addition, please have removed all late payments from my credit report from XXXX XXXX XXXX, and Capital One because they are inaccurately reporting on my credit report, and because of the following laws which validates you must remove them immediately with we have these inaccuracies. 
15 U.S.C.1681i, 15 U.S.C . 1666 and 15 U.S.C.1681s-2 ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: MI

Complaint narrative:
Company was tasked with investigating ACCOUNT : XXXX XXXX XXXX XXXX Instead of investigating issues company manipulated data at XXXX request and deleted small portions while updating others. Company Legal Basis for Deletion Pursuant to 15 U.S.C. 1681i ( FCRA 611 ), Equifax is required to conduct a reasonable reinvestigation of any disputed information and delete any items that can not be verified. Equifaxs failure to remove fraudulent accounts, despite clear and documented evidence, constitutes a direct violation of my rights under federal law. 
This dispute has remained unresolved for over two years without a proper investigation or validation. As such, I am demanding the immediate and permanent deletion of the above-referenced accounts, along with the full disassociation of my personal information from these fraudulent entries.

Final Demand and Legal Consequences This is not a request for further review or modification. My consumer rights have been egregiously violated, resulting in significant financial and emotional harm. The only acceptable resolution is : The immediate and permanent deletion of all referenced accounts. 
An official deletion confirmation letter sent to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, MI XXXX, United States

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC
State: SC

Complaint narrative:
I filed a complaint with CFPB on XX/XX/XXXX regarding XXXX XXXX to stop contacting me about a debt they claim I owe as follows : " XXXX XXXX have emailed me on XX/XX/XXXX and XX/XX/XXXX claiming I have a debt that I owe amounting to {$1000.00}. They state a legal review may be approaching and that they will forward to an attorney for a possible lawsuit in less than 6 months. '' They sent a response on XX/XX/XXXX with the message " After researching this matter, it has been determined XXXX  is not the responsible party on the account. XXXX  should no longer be contacted by XXXX XXXX XXXX XXXX ( XXXX ) or any company hired by us regarding this account. We apologize for any inconvenience XXXX  may have experienced. '' I have since received emails on XX/XX/XXXXXXXX XXXXXX/XX/XXXX, and XX/XX/XXXX from XXXX XXXX claiming I owe the same debt of {$1000.00}. The personal information in the email is not even mine nor I have ever lived in the city in the address provided.

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 2025-02-19 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: CT

Complaint narrative:
I am writing to formally address an urgent issue with my credit report. It has come to my attention that certain information associated with my account has been incorrectly mixed with that of another individual. This account is, without question, not mine, and it seems that my personal credit information has been mistakenly linked to someone elses details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: IL

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified certain inaccuracies that require attention : XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit XXXX. The inquiry was not authorized XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.8. Validate this account XXXX XXXX XXXX  Account Number : XXXX Delete at once9. I have been incorrectly billed. XXXX XXXX XXXX Account Number : XXXX Please update the status of this account to In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their subsequent removal from my credit report. It is my understanding that you will contact the relevant creditor for verification purposes. Should the creditor fail to provide adequate verification, I expect the removal of the disputed information. As per 15 U.S.C. Sec. 1681i ( a ), I anticipate the completion of this reinvestigation within 30 days from the receipt of this letter.

Furthermore, I kindly request an updated copy of my credit report to be sent to the aforementioned address. Please note that, as per the act, no fee should be charged for this updated report. Additionally, I request that correction notices be sent to any parties who have received my credit report within the past six months.

Thank you for your attention and assistance regarding 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 explanation
Consumer complaint received 2025-02-19 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have never applied for any loan product with Regions Bank. I have never had an account with them. They are reporting to my credit profiles and have recently reported a late payment for a loan balance that I am unable to verify. This company needs to be removed from all of my credit profiles ( including XXXX, XXXX, and 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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XX/XX/XXXX, XXXX I called BOFA to close my account I had a positive, balance, and was told i would recieve a check if i still had a positive balance. they only closed my savings account and i hard charges go through from random places as well and no knowing it was a backup bank and payment for things like XXXX which wouldnt have happened had the accounts been closed like i had asked. 
It has been four months since the supposed account closure and my bank says i spent over XXXX $ in XXXX, not even counting XXXX and XXXX when i first closed. 
I now accidentally paued XXXX $ into it from XXXX and they wont give that money back and close the account because they say, it needs to be used pay off the random little charges that happened in the last 4 months. ( a few charges have been from the bank itself and are super weird, i didnt get charges like that for the whole two years i banked with them. I refuse to pay more money to close an account that was already requested on 2 phone calls and they should have those recordings. as well as emails and one last depositi on my hisoptry with a note saying its to XXXX  out and close my account.

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 2025-02-19 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: IL

Complaint narrative:
i just check my credit report and i noticed accounts that are not mine these are the accounts below XXXX XXXX XXXX, XXXX, {$45000.00} XXXX XXXX XXXXXXXX, XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2000.00}

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 2025-02-19 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: I.C. System, Inc.
State: MI

Complaint narrative:
I C SYSTEM INC Without any prior notification attached a debt to my personal account and have harassed for payment. Claim is for XXXX XXXX  when I have been a XXXX user for over 8 years now. This account does not belong to me and company should be removed and served a cease and desist for emotional and financial harassment. Financial compensation is been looked at as well

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