vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX SSN : XXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Personal Information on Credit Report To whom it may concern, My name is XXXX XXXX XXXX XXXX, and I am writing to formally dispute inaccurate personal information currently listed on my credit report with Experian. Upon review, I have found names and an address that do not belong to me and must be removed from my credit file. 

The following items are incorrect : Incorrect Names : - XXXXXXXX XXXX XXXXXXXX - XXXX XXXX Incorrect Address : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, FL XXXX The only correct personal name and address that should be associated with my credit profile are : Correct Name : - XXXX XXXX XXXX XXXX Correct Address : - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S. Code 1681i ), you are legally required to investigate any disputed information within 30 days of receiving this notice. If the information can not be verified or is determined to be inaccurate, it must be removed from my credit report. 

I have enclosed a copy of my government-issued ID and proof of my current address to assist in your investigation. 

Thank you for your prompt attention to this matter. I look forward to receiving written confirmation that these incorrect names and the incorrect address have been deleted from my credit report. 

Sincerely, XXXX 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
Consumer complaint received 2025-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I already complaint about this, and is the only complaint I have here I was just reading the complaint in here and discover the company manager said there responded via email which I don't believe them because I never got or remember receiving an email there say that an email was sent by them requesting additional information which I would have provided if there did.. but here it comes again hopefully I.get the help I need from you guys ok ;.

I have been trying to find help for almost a year and I can't get help from you guys or from the FDIC or even CASH APP the company I trust to put and keep my money into ok this is related to the same complaint and only one I have here ok, with this been say I feel discriminated, cheated and helpless about this whole situation and will like to be help please as I deserved because this was something I did not do and it has become a real burden to my life I really need my money back and want to let you know this has been a real bad bad situation that came into my life and all I am asking is to get help and get my money refunded please it was XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: TX

Complaint narrative:
XXXX has reported an account to my credit report that does not belong to me. Account XXXX is for a past due medical debt that I did not incur as I have not received any medical services in many years. I called the agency and spoke to one of their collectors named XXXX who confirmed the date of birth and social security number on the account were not mine, though, the account has somehow ended up on my report. I was also advised they could not remove the tradeline which is false as they are the data furnisher and are required by law to do a meaningful investigation into my dispute. I absolutely refuse to pay this bill. Cease and desist all communications and remove the derogatory tradeline from my report. My next step will be legal action.

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 2025-04-30 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: TX

Complaint narrative:
XXXX has reported an account to my credit report that does not belong to me. Account XXXX is for a past due medical debt that I did not incur as I have not received any medical services in many years. I called the agency and spoke to one of their collectors named XXXX who confirmed the date of birth and social security number on the account were not mine, though, the account has somehow ended up on my report. I was also advised they could not remove the tradeline which is false as they are the data furnisher and are required by law to do a meaningful investigation into my dispute. I absolutely refuse to pay this bill. Cease and desist all communications and remove the derogatory tradeline from my report. My next step will be legal action.

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 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing this complaint because XXXX XXXX denied my credit card fraud claim for multiple unauthorized XXXX transactions, despite clear evidence that I did not authorize the charges. The same individual accessed my XXXX account and made fraudulent transactions using both my XXXX XXXX and XXXX XXXX XXXX during the same timeframe. 

XXXX has since reversed their initial denial after completing a full investigation and has permanently credited me for all of the fraudulent transactions on their cards. A police report has also been filed, documenting the incident and confirming these were unauthorized charges. 

XXXX XXXX initially denied my fraud claim and appeal, and despite being shown the same police report and timeline, they have refused to reverse the charges. I now owe over {$11000.00} for transactions I did not authorize. 

I am asking XXXX XXXX to reconsider their decision and acknowledge the fraud, especially given the identical activity was confirmed as unauthorized by another national banking institution. I am also concerned about the financial burden this places on me as I close on a home, and I believe XXXX XXXX is mishandling this legitimate fraud case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: CA

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 2025-04-30 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: FL

Complaint narrative:
Upon reviewing my consumer reports, I found that you are reporting negative informationspecifically late paymentsto consumer reporting agencies in reference to my account. Under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( E ) of the Fair Credit Reporting Act ( FCRA ), no federal law requires financial institutions to furnish negative information about consumers.

Additionally, the Truth in Lending Act, 15 U.S.C. 1666b ( a ), states that a creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose unless certain conditions are met. As a financial institution governed by the Gramm-Leach-Bliley Act, you are also obligated to safeguard my nonpublic personal information. I have never provided lawful consent for you to share my information with nonaffiliated third parties, nor was I given proper notice or an opt-out opportunity as required by 15 U.S.C. 6802.

I urge you to review and rectify these issues immediately to ensure compliance with applicable federal laws.

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 2025-04-30 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: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX Collection Account : {$2700.00} Past due as of XX/XX/XXXX Account : Not Mine XXXX XXXX Lockhart, Morris, & Montgo Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collections Account : {$1600.00} past due as of XX/XX/XXXX Account : Not mine never had an account with them at all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Charge-off Account {$320.00} Account : This is not my account my Identity was stolen during a data breech XXXX XXXX XXXX XXXX XXXX XXXX Account {$190.00} Date : XX/XX/XXXX Account : This is not my account my Identity was stolen during a data breech

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: NY

Complaint narrative:
his CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt 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 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 non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
XXXX XXXX  XXXX is trying to collect a DEBT I DO NOT OWE. I have TOLD them I do NOT OWE THIS DEBT. They are Harassing my FAMILY members with calls and text messages and THREATENING A XXXX. I have lived at the ADDRESS that is listed and that they are calling. They called and left a THREATENING message for my DECEASED STEPFATHER. DEAD 18 years! BUT THEY CAN NOT SUBPOENA at the same ADDRESS. THIS IS HARASSMENT!! THEY ARE COLLECTING A DEBT FOR XXXX XXXX BANK THAT WAS PAID OFF XXXX XXXX. With a loan from XXXX XXXX XXXX. THROUGH XXXX, the company I was working for in XXXX! XXXX XXXX did not CLOSE OUT ACCOUNT CORRECTLY AND DEBT WAS SOLD FALSELY AND HAS BEEN RESOLD FOR ALMOST 20 years!!!

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 2025-04-30 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nTo Whom This May Concern, \nThis letter is a formal complaint that you are reporting completely inaccurate \nand misleading information on my credit report. This inaccurate information is \nnot only stopping me from obtaining credit, it is damaging my financial well\nbeing and seriously hurting my character. \nEnclosed with this letter are the details of the account in dispute, with all of my \npersonal information to verify my identity to help expedite this process. \nBy provisions of 15 US section 1681i of the Fair Credit Reporting Act, these \nitems need to be investigated. Please provide me with proof of these items, \nspecifically the contract bearing my signature. Failing that, please update \nthe record to show as PAID IN FULL/AS AGREED or REMOVE this item from \nmy credit report as soon as possible. This is a very serious matter affecting \nmy everyday life. \nThe outlined item is completely inaccurate and a very serious error in \nreporting. Please update this information: \nAccount Name: XXXX XXXX   \nAccount Number: XXXX XXXXnThis account is listed as a collection/charged off account on my credit report \nbut I have never received a 1099C for this charged off debt. Can you please \nprovide me with a 1099C to accurately reflect this as a charge off for tax \npurposes and please update my credit report accordingly or delete \nimmediately. \nPursuant to 15 US section 1681i (6) (A) of the Fair Credit Reporting Act, \nplease provide me with the description of the procedure used to determine the \naccuracy and completeness of the information, to be provided within 15 days \nof the completion of your investigation. \nI appreciate your prompt attention to this matter as these may seem like small \nreporting errors to you but they are serious offenses on my report when it is \ntime to purchase a home for my family, a vehicle, look for a business loan or \neven to obtain employment. Please consider expediting this process for me. \nThank you. \nSincerely, XXXX 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
Consumer complaint received 2025-04-30 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: MA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: NC

Complaint narrative:
I opened a chequing account with a {$300.00} bonus offer. 

Before depositing any money, I called Wells Fargo to check the details of my offer. I ended up burning XXXX hours of time being passed around XXXX different agents, with multiple infuriating call drops during what should have been transfers. 

Then, when the XXXX agent told me this issue actually has to be escalated to corporate and no support agent can check the details of an offer on the account ( how ridiculous! ), I had to wait weeks before a corporate agent got back to me. After they did, they failed to answer the question, saying I should call the same number I got passed around at to find the offer details. 

After asking the corporate agent to consider that their advice was already done and they should answer my question, they did, weeks later. Weeks later, they told me the offer had already be voided because I did not deposit {$25.00} with the account opening. ( There was no option to deposit {$25.00} in the user interface flow for opening the account with the offer, so it would appear the conditions are impossible to satisfy and had I not checked my qualification, I would have given Wells Fargo an interest free loan for XXXX  days. )

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 2025-04-30 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: IL

Complaint narrative:
Ive noticed multiple times now that theres incorrect information showing up on my credit report, and its really stressing me out. Ive tried to get it fixed, but nothing seems to change. Its like these errors just keep getting ignored, even though I know the law says they have to be reviewed and updated within a certain time frame. Every time I check, I still see the same wrong details, and its causing me a lot of frustration. This is affecting my credit score and making it hard for me to get the things I need, like a loan or even a better credit card. I just dont understand why the information hasnt been corrected yet, especially since Ive followed the steps to dispute it. I really need someone to take a close look at my account and fix these mistakes once and for all. Its taking a toll on me, and I dont know what else to do at this point. 
XXXX XXXX * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX * * * * * * * * * * * {$6700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX balance {$8300.00}, XXXX  XXXX XXXX  balance {$730.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX balance {$8300.00}, XXXX  XXXX XXXX  balance {$730.00}

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 2025-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices which violates the consumer financial protection Act ( CFPA ) Specifically cashapp failed to take timely and effective measures to prevent and address fraud oj their platform, leaving my account vulnerable and unprotected! Furthermore their dispute resolution process was unfair and deceptive as they did not comply with the error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulations E. This has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation