vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA ss. 605 ( b ) or 15 U.S.C. ss. 1681 ( c ) ( 2 ), that you, the XXXX, XXXX, and Experian, reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The credit report maintained by you, which shows the aforementioned fraudulent items I do not recognize these accounts, collections, or hard inquiries as reported. In fact, I've been incarcerated since XXXX XXXX in which I couldn't have created these accounts while incarcerated. The aforementioned accounts, collections, or 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 have the FTC identity theft criminal complaint number XXXX as proof from the U.S. FTC 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 2025-02-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My personal Information has been exposed to a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: GA

Complaint narrative:
My personal Information has been exposed to a data breach.

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 2025-02-09 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: MI

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that appear on my credit report, which I believe are due to fraudulent activity. I did not authorize these inquiries, nor did I apply for credit with these institutions. 

Upon reviewing my credit report, I found the following unauthorized inquiries : XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Date : XX/XX/XXXX ( repeated ) XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX FCRA Violations Related to This Dispute Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681b ], a consumer reporting agency may only furnish a credit report for permissible purposes. I did not authorize these inquiries, which means they violate FCRA 1681b ( a ) ( 3 ) ( Permissible Purposes of Consumer Reports ).

Additionally, under FCRA 1681i ( a ) ( 1 ) ( A ) ( Procedure in Case of Disputed Accuracy ), credit reporting agencies must investigate disputes within 30 days of receiving a complaint and correct or remove inaccurate information. 

If these unauthorized inquiries are not removed, I request written proof that I provided express authorization for each inquiry under FCRA 1681b ( a ) ( 2 ). Failure to provide such documentation is a direct violation of my consumer rights.

I Request for Immediate Action I formally request that the CFPB take immediate action to : 1. Remove these unauthorized hard inquiries from my credit report.

2. Investigate and provide documentation proving I authorized these inquiries, or confirm their deletion.

3. Ensure that credit reporting agencies comply with FCRA regulations to prevent further unauthorized inquiries.

I expect a written response within 30 days in accordance with FCRA requirements. If no action is taken, I am prepared to escalate this matter, including seeking legal recourse for noncompliance with the FCRA. 

Thank you for your prompt attention to this issue. Please confirm receipt of this dispute and provide an update on the resolution process.

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently response with in 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 's 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 complies with federal law and provides consumers with the necessary proof of investigation. 

Account XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: AUTOMOTIVE CREDIT CORPORATION
State: IL

Complaint narrative:
This is an insurance claim with the loss of a vehicle. I made all payments on time. I was able to make a payment XX/XX/XXXX, of XXXX tried to make my monthly payment in XXXXXXXX XXXX XXXX and was forward to a collection agency. The collection agency informed me they now have my account. I was not informed this account has been transferred to a collection agency in XXXX XXXX XXXX  The collection agency is XXXX XXXX and XXXX XXXX XXXX XXXX XXXX spokesman

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 2025-02-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Cant find a cd i opened from bank of america when i was XXXX it was supposed to be in there till XXXX cant find it i didnt cash it

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX I opened a credit card with Bilt and immediately set up autopay for the full statement balance. Due to a documented technical error in their payment system ( which I have an archived copy of ), my first-ever balance of {$30.00} was not processed despite sufficient funds being available. I discovered this in XX/XX/XXXX when I found a XXXX late payment on my credit report. I immediately paid the full balance that day. 

I contacted Bilt 's CEO in early XXXX requesting goodwill removal. Their team acknowledged the technical error and promised to work with their underwriting bank ( XXXX XXXX ) to correct the credit reporting. After over 12 months of follow-ups, they continue to claim they are " waiting for a response '' with no progress. 

This erroneous reporting has caused my credit score to drop by over 100 points. I have been denied several apartment applications specifically due to this late payment. I was forced to relocate to find housing that doesn't require credit checks, causing significant disruption and expenses. 

All three major credit bureaus ( XXXX, XXXX, and XXXX ) continue to show this incorrect late payment.

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 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I was scammed, still trying to figure out how, when I've never authorized any transactions of such as well as being unaware of it happening. Here with so many concerns regarding Zelle 's handling of disputes and communication. While using Zelle some of the time maybe most, I reported my differences and gave information that I was aware of me. The Bank ( financial institution ) and Zelle completely failed to investigate my claims the correct way and time stamp wise and adequately. They informed me that they were gon na solve the cases and get my money back. After few days, I was informed that recovering the funds was impossible and tracking the transactions, they were having trouble with and kept putting the blame on me. Was not me at all, still trying to figure it out. I lost some thousands do to this fraud. The CFPB 'S findings indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the systems, and it leaves us Costumers Clients and hardworking invidividuals hopeless confused concerned worried traumatized and vulnerable to scams or frauds. Lack of accountability and transparency is not OK, unacceptable and also raises serious concerns about thr future and present of consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Michael Andrews & Associates LLC
State: IL

Complaint narrative:
This is an insurance claim with the loss of a vehicle. I made all payments on time. I was able to make a payment XX/XX/XXXX, of XXXX tried to make my monthly payment in XXXX of XXXX  and was forward to a collection agency. The collection agency informed me they now have my account. I was not informed this account has been transferred to a collection agency in XXXX of 2XXXX  The collection agency is Michael Andrews and Associates LLC 8XXXX XXXX XXXXXXXX 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 2025-02-09 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: CA

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as Pintos v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My information was compromised by the XXXX Equifax data breach putting me at risk of identity theft

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My information was compromised by the XXXX Equifax data breach putting me at risk of identity theft

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I opened an account with XXXX XXXX on XX/XX/XXXX, for {$410.00}. I consistently made timely payments until the XXXX pandemic and subsequent lockdowns disrupted my ability to work. Due to these circumstances, the company sent the account to collections and marked it as a charge-off. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX I took out a loan with XXXX XXXX on or around XX/XX/XXXX, for {$670.00}. I made timely payments until I was laid off and could no longer continue making payments. I attempted to set up a payment arrangement with the company, but they refused and instead sent the account to collections, marking it as a charge-off. 

Additionally, there is a discrepancy in my credit report, as different account numbers appear for this creditor across the credit bureaus, which invalidates the debt. 

Security Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( 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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I opened an account with XXXX XXXX on XX/XX/XXXX, for {$410.00}. I consistently made timely payments until the COVID-19 pandemic and subsequent lockdowns disrupted my ability to work. Due to these circumstances, the company sent the account to collections and marked it as a charge-off. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX I took out a loan with Security Finance on or around XX/XX/XXXX, for {$670.00}. I made timely payments until I was laid off and could no longer continue making payments. I attempted to set up a payment arrangement with the company, but they refused and instead sent the account to collections, marking it as a charge-off. 

Additionally, there is a discrepancy in my credit report, as different account numbers appear for this creditor across the credit bureaus, which invalidates the debt. 

Security Finance XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I opened an account with XXXX XXXX on XX/XX/XXXX, for {$410.00}. I consistently made timely payments until the XXXX pandemic and subsequent lockdowns disrupted my ability to work. Due to these circumstances, the company sent the account to collections and marked it as a charge-off. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX I took out a loan with XXXX XXXX on or around XX/XX/XXXX, for {$670.00}. I made timely payments until I was laid off and could no longer continue making payments. I attempted to set up a payment arrangement with the company, but they refused and instead sent the account to collections, marking it as a charge-off. 

Additionally, there is a discrepancy in my credit report, as different account numbers appear for this creditor across the credit bureaus, which invalidates the debt. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I am writing to formally address a serious matter regarding the unauthorized compromise of my personal and financial information. Without my authorization, my sensitive records were accessed, putting my confidential student information at risk. As you know, the Family Educational Rights and Privacy Act ( FERPA ) mandates the protection of student records, ensuring their confidentiality.

This breach constitutes a clear violation of FERPA and reflects a failure to uphold the responsibility to safeguard my personal and financial data. Given the severity of this incident and the potential harm caused by the compromise of my information, I request that you immediately cancel and discharge my student loan debt in full. 

Please consider this request urgent and take appropriate action to resolve this issue at your earliest convenience.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, nj XXXX XXXX XX/XX/year> Subject : Dispute of Civil Liability for Negligence Dear Credit bureau I am writing in reference to the notice I received regarding the civil liability claim for negligence under the reference number XXXX. After carefully reviewing the situation, I believe that the claim of negligence is unjustified, and I respectfully dispute the liability. 
I would like to clarify the following points : XXXX. Lack of Negligence : Based on my understanding of the events leading to the alleged negligence, I do not believe my actions or omissions were negligent in any way. I took reasonable precautions and acted with due care, and I am confident that I did not fail in my duty of responsibility. 
XXXX. Absence of Evidence : To date, I have not been presented with any clear or convincing evidence to substantiate the claim of negligence. I respectfully request that you provide any documents, statements, or other evidence that support the assertion of negligence in this case. 
XXXX. Details of the Alleged Incident : If the claim is based on a specific incident or event, I request further details, including the date, location, and circumstances surrounding the incident. I would also appreciate clarification on how my actions, or lack thereof, directly contributed to the alleged negligence. 
In light of the above, I request that you review the facts of the case and provide a full explanation of why this civil liability claim is being made. If necessary, I am prepared to provide further documentation or clarification from my side. 
Please respond in writing within XXXX days to resolve this matter. I am confident that upon review, it will be clear that I am not liable for negligence. 
Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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