vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: Experian Information Solutions Inc.
State: TX

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 on XX/XX/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. 
Details of Disputed Inquiries : XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX23 Experian CAPITALONE 15/10/2023 Equifax 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 XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) 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 2025-02-26 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I don't even know how many times I have disputed items with Experian. This has been over the last 3-4 months. Every damn time it comes back verified with out explanation. I hav disputed multiple accounts that I know are inaccurate and they refuse to do thier job. I seen there was a lawsuit recently about thier shady ways of : verifying " information and I have had enough. I have even threatened with lawsuits in the court house in my county.

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 2025-02-26 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: Thaxton Investment Corporation
State: GA

Complaint narrative:
Request for Debt Validation** I am writing to formally request validation of the debt you claim I owe, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g. I dispute the validity of the debt and request that you provide the following : 1. The amount of the alleged debt. 2. The name of the creditor to whom the debt is allegedly owed. 3. A copy of the original contract or agreement that supports your claim, or any documentation proving that I am legally obligated to pay this debt. 4. A detailed statement or itemized breakdown of how the debt has been calculated, including any interest or fees added to the principal balance. 5. Verification or a copy of any judgment, if applicable. 6. Any information showing that you are authorized to collect this debt on behalf of the original creditor. Please provide this information within 30 days from the receipt of this letter. If you are unable to validate the debt, I request that you cease all collection efforts and remove any negative information related to this account from my credit report. Until I receive the requested validation, I kindly ask that you stop any collection activities on this debt, including reporting it to credit bureaus or making further contact with me. Thank you for your prompt attention to this matter. Please send the requested information to the address listed above. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: MD

Complaint narrative:
The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX on XX/XX/XXXX I don't recognize this lender, and I don't remember authorizing them to perform a hard inquiry on my credit report. Inquiry from Money XXXX XXXX XXXX XX/XX/XXXX I don't recognize this lender, and I don't remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXXXXXX XXXX on XX/XX/XXXX I don't recognize this lender, and I don't remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in 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 non-monetary relief
Consumer complaint received 2025-02-26 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: CORELOGIC INC
State: CA

Complaint narrative:
I am writing to request the removal of an unauthorized credit inquiries on my credit report. My latest credit report shows XXXX hard credit inquiries that I did not authorize or approve of.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2025-02-26 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: CA

Complaint narrative:
I am writing to formally dispute an error on my credit report and request the immediate removal of mixed credit information that does not belong to me. Upon reviewing my credit file, I discovered that an account that clearly does not belong to me is incorrectly associated with my credit report. This account belongs to another individual and is a result of credit file mixing, which has caused significant confusion and harm to my credit history.

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 2025-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Unfair Overdraft Fee & Lack of Transaction Transparency Complaint Description : XXXX XX/XX/2025, my account balance was {$4.00}. I added funds, ensuring my balance was never negative. However, after I deposited money, the bank processed a previous transaction and charged an overdraft fee. At no point did my account show a negative balance before they charged the fee. 

I requested the exact timestamps of the transactions to verify how the bank applied charges, but they refused to provide them. This raises concerns that they are manipulating transaction order to create overdraft situations and unfairly charge customers. 

I am requesting an immediate refund of the overdraft fee and a clear explanation, with timestamps, of how they processed my transactions.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX XXXXXXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-26 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: CA

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. 
I want the CFPB to publish

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Charged upfront or unexpected fees — 
Company: Dyck-O'Neal, Inc.
State: FL

Complaint narrative:
XXXX XXXX, XXXX has been collecting payments from me since XX/XX/XXXX for a mortgage insurance policy they purchased, which was not included in my home loan modification in XXXX. Until now, I have been able to make payments over the phone via ACH transaction free of charge. However, when I called to make my XXXX payment, they informed me that they would now charge a {$3.00} fee for the transaction. 
I requested a free payment option, and they only offered the option of mailing a check, which is highly inconvenient in XXXX. I was never informed of this change, and I can not afford to pay them more than they are already taking from me. This fee feels like an unfair way to extract extra money. As I struggle to make my payments, it is unjust for them to suddenly impose additional charges for the same transaction method I have been using for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-02-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I submitted a loan application to PNC Bank for a {$35000.00} loan, which was denied. I believe the denial was discriminatory and constitutes a violation of my rights under multiple federal statutes, including the Equal Credit Opportunity Act ( ECOA ) and the Federal Reserve Act. 

The denial letter from PNC did not provide a valid, non-discriminatory reason for the rejection, other than referencing my credit score, which I believe was an arbitrary and unfair metric for judging my creditworthiness. As I am of legal age ( over XXXX ) and fully competent to contract, I assert that the denial was based on a presumed incapacity, which is discriminatory under ECOA. 

Additionally, PNC Bank is violating the Federal Reserve Act, particularly Section 16. Under Section 16, Part 1, the issuance of credit, including the use of credit created through my financial resources, is within the purview of the Board of Governors of the Federal Reserve. PNC, as a financial institution, does not have the authority to arbitrarily deny me access to credit. The Board of Governors did not restrict my access to credit, and thus, PNC is acting beyond its authority by denying me the loan. 

Furthermore, under Section 16, Part 2, PNC Bank used my application as collateral for the amount of {$35000.00}. The collateral was provided in the form of my application, which should have allowed me access to the requested funds. Instead, the bank improperly denied me access to the credit created through my application and effectively misused my financial resources. 

I formally appealed the loan denial directly with PNC Bank, asking them to reconsider the decision. Despite my appeal, PNC Bank still refused to grant me access to the {$35000.00}. This refusal has prevented me from accessing funds that I am legally entitled to, and I believe this action violates both federal law and my rights as a consumer. 

I am filing this complaint with the CFPB because I believe that PNC Bank 's denial of my loan is a violation of my rights under the Equal Credit Opportunity Act and Federal Reserve Act, as well as an example of discriminatory banking practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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:
I recently reviewed a copy of my EQUIFAX credit report and found that I have fraudulent activity listed that has caused a significant drop in my credit score on the account listed below : Account company : XXXXXXXX XXXX Please remove this account immediately, and send me an updated report. I do not recognize this account. I have been a victim of identity theft due to a data breach. I have attached supporting documentation XXXX XXXX XXXX SSN : XXXX Thank you for your prompt assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The late payment remark on my credit report is negatively impacting my XXXX score, and I am requesting its removal to ensure my credit profile accurately reflects my financial responsibility. Payment history accounts for approximately 35 % of my XXXX score, making it the most significant factor in credit scoring. A single late payment can cause a substantial drop in my score, especially if I previously had a strong payment record. 

This inaccurate late payment is unfairly lowering my creditworthiness and affecting my ability to secure financial opportunities, such as obtaining a loan or favorable interest rates. Additionally, lenders and financial institutions rely on FICO scores to assess risk, and this incorrect remark could result in higher borrowing costs or even denials of credit applications. 

I am formally disputing this error under the Fair Credit Reporting Act ( FCRA ), which grants me the right to challenge inaccurate or unverifiable information on my credit report. If the late payment can not be verified or is incorrect, it must be removed. Furthermore, I am requesting a goodwill adjustment from the creditor, as I have a history of responsible financial management, and this late payment does not accurately represent my reliability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: MS

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief