vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX ( NEW ) Account number : 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 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: NY

Complaint narrative:
My personal information has been leaked in a data breach that was then sold to the dark web. I have no idea how this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
1. I was never notified that a business CD was coming to the end of its term.

2. Wells Fargo claims they contacted me by XXXX mail. This is not true. 
3. I have an online account with Wells Fargo and there is a message center. No message was posted that the XXXX was maturing and ending its term. 
4. Well Fargo sends me emails every time I receive a deposit yet they never emailed me to tell me the XXXX was ending its term. 
5. XXXX XXXX  both emails me and posts this information on the online portal. 
6. I discovered the XXXX was coming due and attempted to close and withdraw the money in person at two different branches three days before the end of the grace period. I was turned away since a " business banker was not available. '' 7. I spent over an hour on the phone and was told they could not close the XXXX. It is a lie that I was informed they could close over the phone. This is despicable. 
8 Wells Fargo claims to have researched this matter and determined, I the customer am at fault and not the bank. This is false and despicable. I spent over three hours of my time to try and close this account and was prevented from accessing my money. This is a cover up since there must be thousands of customers with the same issue.

9. Wells Fargo is guilty of preventing me from closing the XXXX and there is not other way to view this. 
10. Wells Fargo is lying. 
11. When I did close the XXXX the staff in the branch refused to give me a print out of the bank statement and show me the balance and the fees charged. THIS IS COMPLETELY ILLEGAL. 
12. I have spoken with Wells Fargo and the " research '' they conducted is disingenuous and a cover up of the deliberate policy to steal from customers.

13. I have been ripped off by Wells Fargo before when staff opened saving accounts in my name with out my knowledge.

14. This is a class action legal matter that will clearly involve thousands of people and Wells Fargo is willing to do everything possible to pretend this is not happening.

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 2025-03-08 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: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX Balance {$810.00} XXXX XXXX XXXX  XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX XXXX Balance - XXXX  XXXX XXXX Balance {$100.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Balance {$170.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX Balance {$470.00} XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/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 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: AMERISAVE MORTGAGE CORPORATION
State: OR

Complaint narrative:
In XX/XX/XXXX got sick with XXXX. Out of work several months. Requested Mortgage Assistance. Took them Ameri Save 6 months to review me. Then finally got 3 months trail plan was XXXX, XXXX, and XXXX succfully make XXXX, XXXX payments, was good, went through great. However, my problem was on my 3rd trail payment. XXXX XXXX payments were {$1200.00}. Made the XXXX payment in XXXX, only for my payment {$1200.00} was sent back to me in XXXX, the letter stated less of the enter amount due, in the last 9 months. Upon receiving this notice, I called AmeriSave on XX/XX/XXXX. About the returned check, but they had no information on it subject, I weren't sure why was returned. They advised me AmeriSave they actually closed out the modification XX/XX/XXXX XXXX requested the right to repeal sent them in the proof of payment, but never heard back from them. Most importantly on XX/XX/XXXX, AmeriSave failed to advise my up coming foreclosure date of XX/XX/XXXX XXXX was not notified at any point about a scheduled foreclosure, and was not served any foreclosure documents. I was advised by AmeriSave, that during my trail plan approval, that appeal process foreclosure would be canceled. Indeed AmeriSave foreclosed on XX/XX/XXXX. I believe AmeriSave Mortgage is in direct violation of the CFPB dual tracking of Foreclosure while inactive medication plan. 
My understanding AmeriSave should have not had any foreclosure on the home under a approval status. During this entire load modification issues my mortgage I was never assigned signal point of contact that could resolved my concerns personally. Each time call AmeriSave I was transferred to multipole people had no clue above my specific situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
A Cashiers Check in the amount of {$21000.00} dated XX/XX/year> was mailed to Goldman Sachs Bank on XX/XX/year>. This check was cashed. When Goldman Sachs applied the payment credit to my outstanding credit card balance, they only applied {$2100.00}. Theres currently {$19000.00} unaccounted for. I reached out numerous times in order to have this grotesque level of negligence fixed. I was left with diminished effort by customer service and advised this would be reviewed. I was then told I would only receive an email of their decision/findings after 10 business days. This is unacceptable! A mistake of this magnitude should receive high priority in order to immediately rectify their mistake, and currently theres zero displayed urgency or concern over this matter. Thus resulting in continued interest on a phantom amount of an outstanding balance that should no longer exist. This level of gross negligence is exactly why this financial institution was just recently forced to a settlement in the amount of {$89.00} XXXX dollars due to this type of displayed negligence in the realm of payment mishandling. My family has large bills due throughout the middle and end of the month, and if this isnt appropriately corrected in an expedited fashion, this could result in financial troubles for my for my family. This would be the result of their ineptitude, high level of gross negligence in this matter and overall lack of a sense of urgency to fix their mistake at the expense of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: NC

Complaint narrative:
My personal information was breached in the Equifax data breach. Adverse information was furnished to my consumer FICO report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in 4 business days according to the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: GA

Complaint narrative:
I am filing this complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) by not completing its investigation on XXXX XXXX  within the required 30-day timeframe regarding a dispute I submitted. Because TransUnion failed to verify or correct the disputed item within the legally required timeframe, it must now delete the item from my credit report immediately.

Details of the Violation : Failure to Investigate Within 30 Days Per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) of the FCRA, credit reporting agencies must complete an investigation within 30 days of receiving a consumer dispute. TransUnion has failed to do so, making them non-compliant with federal law.

No Verification Provided Because the timeframe has expired and TransUnion has not provided verification, this disputed item is now legally required to be deleted from my credit report. 
Ongoing Harm Due to Negligence TransUnions failure to act within the legally mandated timeframe has caused unnecessary harm to my creditworthiness, and I demand immediate corrective action. 
A fair resolution to this issue would be the immediate deletion of the disputed item from my credit report. Since XXXX failed to complete its investigation within the required 30-day timeframe, as mandated by the Fair Credit Reporting Act ( FCRA ), the item must 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 explanation
Consumer complaint received 2025-03-08 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions XXXX XXXX XXXXXXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2025-03-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ) by not completing its investigation on XXXX XXXX  within the required 30-day timeframe regarding a dispute I submitted. Because Equifax failed to verify or correct the disputed item within the legally required timeframe, it must now delete the item from my credit report immediately.

Details of the Violation : Failure to Investigate Within 30 Days Per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) of the FCRA, credit reporting agencies must complete an investigation within 30 days of receiving a consumer dispute. Equifax has failed to do so, making them non-compliant with federal law.

No Verification Provided Because the timeframe has expired and Equifax has not provided verification, this disputed item is now legally required to be deleted from my credit report.

Ongoing Harm Due to Negligence Equifaxs failure to act within the legally mandated timeframe has caused unnecessary harm to my creditworthiness, and I demand immediate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: FL

Complaint narrative:
To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX, Florida XXXX Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX  XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$1900.00} 2. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$0.00} 3. Account name XXXX XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$0.00} 4. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$260.00} 5. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$830.00} 6. Account name : XXXX  Account opened : XX/XX/XXXX Amount owed : {$0.00} Inquiries Account name : XXXX Account Opened : XX/XX/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 2025-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I am submitting a complaint regarding inaccurate late payment reporting by CAPTIAL ONE and XXXX. Federal law requires creditors to notify consumers of late payments at least 21 days before the billing due date. If my payment, due on the due day it was reported as late without proper notice. I have contacted the creditor and disputed with the credit reporting agencies, but the issue remains unresolved. Please find attached my dispute letter and supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX ( NEW ) Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: NY

Complaint narrative:
I came across CFPB Experian lawsuit. 

I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were verified Come with the receipts, be quick to delete Period

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