vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Per my credit card agreement, I am seeking arbitration because Wells Fargo Bank , National Association ( FDIC CERT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX www.wellsfargo.com refuses to correct a billing dispute on my bank statement. I formally request from the credit card issuer, merchant, and merchants bank the business opportunity disclosures required by FTC Federal Trade Commission, Rule 16 C.F.R. Part 437 & 15 U.S.C. 41-58. and the Earnings claim statement required by law. The Commission has extensive law enforcement experience challenging misleading earnings claims under section 5 of the FTC Act, 15 U.S.C. 45 I was never issued an earnings claim statment nor a business opportunity disclosure. This begs the question of the legitimacy of the merchant and the reputation of the merchant 's bank not knowing their customer 's business and not proactively protecting the market from financial crimes and reducing the risk of fraud with proper screening and diligence. Per the Internet Crime Complaint Center, I request a recall and a hold harmless letter from WellsFargo. 

Pursuant to XXXX chargeback reason codes and XXXX XXXX Codes. XXXX Misrepresentation. This code applies when the goods or services are not as advertised or described, leading to the cardholder feeling deceived This applies when the merchant 's advertising or sales materials significantly misrepresent the product or service, deceiving the cardholder. This could include false claims about quality, features, or benefits. XXXX Services Not As Described, this code is used when the received goods or services do not match the agreed-upon terms or quality. XXXX Services Not Received. This code is applicable when the cardholder did not receive the goods or services they paid for. This applies when the cardholder did not receive the goods or services they paid for at all. This could be due to non-delivery, order cancellation, or service failure. According to XXXX and XXXX 's terms of service, card issuers encourage merchants to maintain high ethical standards and comply with XXXX and XXXX 's rules and regulations.

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 2025-02-15 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: GA

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXXXXXX XXXX  - Opened XX/XX/XXXX with a balance of {$1300.00} account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX with a balance of {$0.00} account number XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$1500.00} account number XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$770.00} account number XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$1500.00} account number XXXX There are also two addresses that I do not recognize that needs to be removed from my Experian credit report which are : XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX All of the aforementioned accounts, addresses and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: TX

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: AZ

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-02-15 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: NJ

Complaint narrative:
The CFPB has sued Experian for unlawfully failing to properly investigate consumer disputes. Experian has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that XXXX ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} XXXX in damages. XXXX has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe XXXX is in violation of similar 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 explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AR

Complaint narrative:
I use Chime and have for about 5 years now. I wasn't aware of the last lawsuit and now XXXX is available for me to use. The problem I have is when I get short checks it repays my previous balance and lowers my credit limit. Then it reloads slowly by day. They take XXXX of my paycheck and hold my funds from me every week. Then let 's me borrow the money the next week. It's causing me to fall behind on my bills cause I don't have full access to my whole check anymore. And support just transfers me until someone hangs up. It's been almost a whole year now I've been complaining and no one is helping me within Chime support. They just tell me that's how the system works. I work to hard for my money to be just taken from me every week and only to be offered a small portion of it back to actually pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am reaching out to formally request the immediate removal of an account listed on my credit report that is not only inaccurate but is currently involved in pending litigation. This account does not reflect the reality of my financial situation and is, in fact, a matter of legal dispute at this time. 

As you are likely aware, accounts involved in litigation should not be represented in the same manner as accounts that have been settled or closed. The inclusion of this account is both misleading and harmful to my credit report, and I am taking legal action to resolve the matter. Given the ongoing litigation, it is critical that this account be removed from my credit report immediately to prevent further harm to my credit score and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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:
XXXX XXXX XXXX XXXX Ct XXXX, CA XXXX XXXX Equifax XXXX XXXX XXXX, XXXX, GA, XXXX Subject : Cease and Desist Notice Regarding Fraudulent Account Due to Equifax Data Breach To Whom It May Concern, This letter serves as a formal Cease and Desist Notice regarding the fraudulent account ( s ) opened in my name due to the Equifax data breach, which resulted in the unauthorized exposure of my personal and financial information. Your companys continued reporting and recognition of this fraudulent account violates my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and other applicable laws. 
Pursuant to the FCRA, I am asserting my right to dispute and demand the immediate cessation of any further reporting, collection, or dissemination of this fraudulent account. Under 15 U.S.C. 1681b, my consumer report may only be used under specific legal conditions, and the inclusion of this fraudulent account violates these provisions.

Additionally, under 15 U.S.C. 1681n and 1681o, I am entitled to seek damages for willful or negligent noncompliance with the FCRA, including statutory damages, actual damages, punitive damages, and attorney fees. If your company does not take immediate corrective action, I will pursue all available legal remedies, including filing a lawsuit for damages resulting from your unlawful actions. 
Furthermore, I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft and fraudulent activity. The FTC report serves as further evidence that this account was fraudulently opened without my consent, and I expect your full cooperation in resolving this matter. 
Fraudulent Account Number ( s ) : XXXX Accordingly, I demand that you : Cease and desist from reporting, collecting, or attempting to validate the fraudulent account ( s ) associated with my personal information. 
Immediately remove and delete any fraudulent information related to this account from my credit report and your records. 
Provide written confirmation within 30 days that all necessary corrective actions have been taken to comply with this request. 
Failure to comply with this demand will result in legal action without further notice. I trust you will take this matter seriously and act in accordance with your legal obligations. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
Cashapp closed my account years ago with money on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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:
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 2025-02-15 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-15 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: NJ

Complaint narrative:
The CFPB has sued XXXX for unlawfully failing to properly investigate consumer disputes. XXXX has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that Equifax ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} XXXX in damages. Equifax has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe XXXX is in violation of similar federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Good Morning : My request started with me realizing that while I was in the presence of taken care my Mom I missed deadlines and conversations I was trying to connect from XXXX XXXX during that time, buy the time I realized my credit report was ruined from a XXXX score to a XXXX i think. I cant recall the exact score. It was so painful to see, I called the company for Student loan asking many times if my credit report would be affected, since its something I watch carefully. And i feel I was not informed clearly PLUS at the same time I was out of the country dealing with other personal life 100 % focus at clinics and taking my mom to the doctors, I even missed information I was asked for. At the end, i returned to XXXX, and then my approval was received, now I am calm with a plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NJ

Complaint narrative:
I kept trying to make payments since XXXX but they kept being rejected along with the interest fees increasing. In XX/XX/XXXX and XXXX I made XXXX payments of {$13000.00} and {$1000.00}, and {$810.00}. On XX/XX/XXXX I put in {$100.00}. All were given a rejection notice except for the {$810.00} that was actually part of the {$1000.00}. Somehow that extra {$1000.00} just happen to not go through while interest also continues to stack. So far, for the rejected money I never got back in the bank as of now XX/XX/XXXX. ED Financial took all my money and I put in a request to find it. They need my bank statements which aren't released until the end of the month so the only proof I have is the withdrawal on my bank and the emails notifying I sent them.The representatives were helpful but confusing and I can't reach them on the weekend. 

As of now the {$13000.00} says paid off but with a $ XXXX saying it posted and not the $ XXXX. Its confusing and if my money has been rejected I'd like to have it back so I can pay off the other loans so they stop stacking interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
My husband had a loan, my name not on it. My husband passed away. I was forced to put this loan into my name. I received an invoice with my husbands name on it with his account number on it. It was due XX/XX/XXXX, for XXXX. I paid the amount on XX/XX/XXXX. It went to my husbands account and not mine. I received my account number by texting them on the XXXX of XXXX. I am now being harassed by the company stating my payment is in default. All payments to my husbands account should have been added to my account since the loan is for the same address. I also requested a payoff amount, with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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:
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 non-monetary relief
Consumer complaint received 2025-02-15 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: NJ

Complaint narrative:
The CFPB has sued XXXX for unlawfully failing to properly investigate consumer disputes. XXXX has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that XXXX ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} XXXX in damages. XXXX has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe TransUnion is in violation of similar 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 2025-02-15 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:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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