vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX **Subject : Unauthorized Credit Inquiries and Inaccurate Reporting on My Credit Report** Dear CFPB, I am writing to formally file a complaint regarding unauthorized credit inquiries and inaccurate reporting on my credit report. I have discovered multiple inquiries under my name and credit profile that I did not authorize. I request that these inquiries be removed immediately under Florida 's credit consumer protection laws. The following unauthorized inquiries have appeared on my credit report : XXXX. XXXX XXXX XXXX Date : XXXX XXXX, XXXX ( Finance/Personal ) XXXX. XXXX Inquiry Date : XXXX XXXX, XXXX ( Finance/Personal ) XXXX. XXXX Inquiry Date : XXXX XXXX, XXXX ( Banks ) XXXX. XXXX XXXX Date : XXXX XXXX, XXXX ( Finance/Personal ) XXXX. XXXX XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX ( Automotive ) XXXX. XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX ( Automotive ) XXXX. XXXX Inquiry Date : XXXX XXXX, XXXX ( Finance/Personal ) XXXX. XXXX XXXX Date : XXXX XXXX, XXXX ( Finance/Personal ) XXXX. XXXX XXXX Inquiry Date : XXXX XXXX, XXXX ( Automotive ) XXXX. XXXX XXXX Inquiry Date : XXXX XXXX, XXXX ( Automotive ) XXXX. XXXX XXXX Inquiry Date : XXXX. XXXX, XXXX ( Banks ) XXXX. XXXX Inquiry Date : XXXX XXXX, XXXX ( Banks ) XXXX. XXXX XXXX XXXX Date : XXXX XXXX, XXXX ( Banks ) XXXX. XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX ( Automotive ) XXXX. XXXX Inquiry Date : XXXX XXXX, XXXX ( Finance/Personal ) XXXX. XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX ( Automotive ) XXXX. XXXX XXXX Inquiry Date : XXXX XXXX, XXXX ( Miscellaneous ) XXXX. XXXX XXXX Inquiry Date : XXXX XXXX, XXXX ( Miscellaneous ) XXXX. XXXX Inquiry Date : XXXX. XXXX, XXXX ( Finance/Personal ) XXXX. XXXX Inquiry Date : XXXX. XXXX, XXXX I did not authorize any of these credit inquiries, and they are negatively impacting my credit score. I am requesting that they be removed from my credit report immediately.

Additionally, there is a false eviction entry on my credit report from XXXX XXXX XXXX XXXX reported on **XXXX. XXXX, XXXX, for a balance of ** $ XXXX. This XXXX  is **not accurate**, and despite my attempts to dispute it, the reporting agencies continue to list it as a live balance, which is **false**. As a result of this wrongful reporting, I have faced homelessness. If this issue is not rectified promptly, I will pursue legal action against the responsible parties. 

I am requesting that CFPB investigate these unauthorized inquiries and the inaccurate eviction report immediately. Please confirm receipt of this complaint and provide me with an update on the investigation status. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law.

You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe Hide full complaint you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The company Midland Credit Management placed a {$650.00} debt on my credit report under collections. I have reached out to the company in regards to validation of the debt but no response. The debt shows an open account on XX/XX/year>. I have been a victim of identity theft and I did not open this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: IA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  presume that no proof of alleged debt. nor therefore any such debt therefore exists. ( whats your username please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXXXXXX XXXX  Balance {$1800.00}.

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 non-monetary relief
Consumer complaint received 2025-02-12 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: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently looked at my credit profile and saw reports from all unauthorized accounts as listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the FCRA 15 U.S. Code 1681c2 These account shall be removed due to identity theft, The report is attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: Radius Global Solutions LLC
State: TX

Complaint narrative:
My information was data breached by three different companies and want everything removed of my credit to start fresh to make sure nothing was add by anyone else.

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 2025-02-12 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-02-12 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: CA

Complaint narrative:
I am writing to bring to your attention a serious issue regarding an unauthorized account that has been opened under my name. This account is fraudulent, and its existence on my credit report is a direct result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: AZ

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance : {$930.00XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I created checking account online with Wells Fargo from the webpage archived here XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX. The webpage offers a XXXX $ checking bonus for qualifying accounts after XXXX  days.It states that the bonus offer is automatically applied when the application is completed on this page. 

I met the requirements of over XXXX $ in qualifying deposits within XXXX days of opening the account and had a minimum opening deposit of over {$XXXX} by XX/XX/XXXX After XXXX  months, I did not receive the qualifying bonus. I then called Wells Fargo on XX/XX/XXXX requesting this bonus be looked into. I received a letter on XX/XX/XXXX indicating that I was not eligible because 'insufficient information was provided for research. ' I then called Wells Fargo again on XX/XX/XXXX and scheduled a meeting at my local Wells Fargo branch on XX/XX/XXXX at XXXX. 

At the meeting, the man assured me he would look into this and that I would hear within XXXX business days. 

It has now been in excess of the XXXX  days and I have yet to receive my checking bonus.

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 monetary relief
Consumer complaint received 2025-02-12 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: IL

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

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 2025-02-12 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: TX

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 2025-02-12 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: SC

Complaint narrative:
Experian is currently being sued for the same damages they did to my credit report. I was being denied service for my credit report not being accurate. Under the FCRA. I deserve compensation for the damages done to my credit report from all 3 credit bureaus but especially Experian. TransUnion and Equifax are also guilty of the same allegations as 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 2025-02-12 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: SC

Complaint narrative:
Experian is currently being sued for the same damages they did to my credit report. I was being denied service for my credit report not being accurate. Under the FCRA. I deserve compensation for the damages done to my credit report from all 3 credit bureaus but especially Experian. TransUnion and Equifax are also guilty of the same allegations as Experian.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: SC

Complaint narrative:
I am XXXX XXXX XXXX, also known as XXXX XXXX. I received your letter regarding the closure of my account with SoFi, but I have yet to receive my refund via XXXX XXXX, tagged under my name, XXXX XXXX XXXX. I have been addressing this issue since XX/XX/XXXX, when my account was locked. As the original sender under the tag name XXXX XXXX XXXX, I request that you close my account immediately and return the remaining balance to my XXXX XXXX account. This is my final attempt to resolve this matter amicably. I consider this situation unlawful, as you did not verify my identity before taking action. If this issue is not resolved within 30 days, I intend to take legal action, seeking {$50.00} XXXX in damages for the hardship and stress caused to me and my family. I will pursue justice relentlessly. I believe Sofi Banking has failed to provide adequate service. I require my refund promptly, without further explanatory letters, as this process has already taken over months. This is my final communication on this matter ; my next step will be to involve my attorney to resolve this situation immediately. Ive attached proof that Ive been doing this with your company so far over many years and this has never happened to me and now you guys want to try to do this this is not right and you will not prevailed. Send my money back to the original sender XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-12 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: NC

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XX/XX/year> {$670.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-02-12 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: AL

Complaint narrative:
RE : Dispute of Account and Request for Reinvestigation and Verification under FCRA I am writing to formally dispute the inaccurate information being reported on my credit file, as provided by XXXX XXXX 

I demand an immediate reinvestigation of this account in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, which mandates a prompt, thorough, and fair investigation of disputed information. This account is being inaccurately reported, and I am requesting that you conduct a reinvestigation to verify the legitimacy of this account and its reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: NJ

Complaint narrative:
I recently reviewed my credit report and was shocked to learn that Ive been a victim of identity theft. Please remove this fraudulent account from my credit report is hurting my ability to purchase a home for my family. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: NJ

Complaint narrative:
I recently reviewed my credit report and was shocked to learn that Ive been a victim of identity theft. Please remove this fraudulent account from my credit report is hurting my ability to purchase a home for my family. Thank you.

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 2025-02-12 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: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: GA

Complaint narrative:
Equifax has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation