vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Complaint Against Wells Fargo Bank N.A.

I am filing this complaint against Wells Fargo Bank N.A. regarding unethical practices, violations of the FCRA, and attempts to illegally foreclose on my property. Below are the details : 1. Background Information I purchased my home located at XXXX XXXX XXXX XXXX XXXX XXXX  using a VA loan through XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Later that year, Wells Fargo Bank N.A. became the servicer of the loan. However, the deed of trust was signed solely by me. 
XXXX. Transfer of Property In XX/XX/XXXX, I conveyed the property to the XXXX XXXXXXXX XXXX XXXX XXXX and received the deed to the property from the XXXX XXXX XXXX XXXX. 
After this transfer, I revoked Wells Fargo Bank N.A.s Power of Attorney via IRS Fo

rm 2848 and sent the bank a revocation of security interest, signatures, and revocation of sale via registered USPS mail. 3. Wells Fargos Unlawful Actions Despite no longer holding any agreements or mortgages with me, Wells Fargo attempted to sell my property in XX/XX/XXXX for half its value. 
The bank continues to report foreclosure activity on my property to consumer reporting agencies, damaging my credit and violating the Fair Credit Reporting Act ( FCRA ). 
Wells Fargo is also filing tax documents as if they are the original issuer of the mortgage, which is a misrepresentation of their role as a loan servicer. 
4. Unethical Practices Wells Fargo has engaged in unethical behavior, including : Attempting to foreclose on a property they have no legal claim to.

Misuse of my personal information in reporting false foreclosure activity.

Filing misleading tax documentation.

Resolution Requested I request the following resolutions : 1. Wells Fargo must immediately cease and desist from all foreclosure attempts on my property. 
XXXX. Remove all false foreclosure reports from consumer reporting agencies. 
XXXX. Provide written confirmation of their lack of claim to the property and issue a formal apology. 
XXXX. Reimburse any financial or reputational damages caused by their actions. 

Supporting Evidence I am prepared to submit documentation, including : Proof of property transfer to the XXXX XXXXXXXX XXXX XXXX XXXX 
USPS records of mailed revocations.

Evidence of false foreclosure reports from consumer reporting agencies.

Tax records showing Wells Fargos misrepresentation.

Please investigate these serious allegations against Wells Fargo Bank N.A. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY ( 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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian- has numerous closed and collections accounts on my credit. I requested an investigation for those items to be removed and they have not removed them all they did was appear to have those accounts hidden but still on my report. Some has been paid in full and still showing up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I did not have the money to pay my XXXX and XX/XX/year> rent, therefore, I vacated the premises. I did not have a lease agreement and was paying month to month. The monthly rent was {$1200.00}. The late fees were approximately {$150.00} per month. Therefore, the amount owed is {$2700.00}, however, XXXX XXXX XXXX is attempting to collect approximately {$6000.00} via National Credit Systems Inc. I was XXXX  at the time and was unable to work due to medical reasons. I vacated premises XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 ( CFPA ). 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 ( EFTA ) and Regulation E. 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 2025-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX 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, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that Ive marked as inaccurate : XXXX. XXXX XXXX XXXX OPEN BALANCE {$160.00} COLLECTION ACCOUNT XXXX XXXX XXXX  OPEN BALANCE {$170.00} COLLECTION ACCOUNT XXXX. XXXX XXXXXXXX XXXX  OPEN BALANCE {$340.00} COLLECTION ACCOUNT XXXXXXXX XXXX XXXX  OPEN BALANCE {$560.00} COLLECTION ACCOUNT XXXX. XXXX XXXX XXXX OPEN BALANCE {$990.00} COLLECTION ACCOUNT XXXXXXXX XXXX XXXX  OPEN BALANCE {$3100.00} COLLECTION ACCOUNT XXXX. XXXXXXXX XXXX CLOSED ACCOUNT {$520.00} REPORTED BALANCE XXXXXXXX XXXX LOSED ACCOUNT {$61.00} REPORTED BALANCE

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 2025-01-25 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: GA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX 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, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that Ive marked as inaccurate : XXXX. XXXX XXXX XXXX OPEN BALANCE {$160.00} COLLECTION ACCOUNT XXXX XXXX XXXX  OPEN BALANCE {$170.00} COLLECTION ACCOUNT XXXX. XXXX XXXX LL OPEN BALANCE {$340.00} COLLECTION ACCOUNT XXXXXXXX XXXX XXXX OPEN BALANCE {$560.00} COLLECTION ACCOUNT XXXX. XXXX XXXX XXXX OPEN BALANCE {$990.00} COLLECTION ACCOUNT XXXXXXXX XXXX XXXX OPEN BALANCE {$3100.00} COLLECTION ACCOUNT XXXX. XXXXXXXX XXXX CLOSED ACCOUNT {$520.00} REPORTED BALANCE XXXXXXXX XXXX LOSED ACCOUNT {$61.00} REPORTED BALANCE

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 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am contacting NATIONAL CREDIT SYSTEMS regarding the complaint # XXXX. Again, this unit was not damaged and I have communication with the manager as well as photos of the unit on my end. You have provided me duplicate documents and not verified the charges OR proof of a {$2000.00} damage to the unit. You are well over the 15 day window as it took you 60 days to send me duplicate documents. I want the debt removed immediately as it is a violation of my FCRA rights to report inaccurate information OR to lie about charges. I will now be seeking damages with a lawyer as you can not provide proof of damages to the unit. Remove the debt immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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:
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: NJ

Complaint narrative:
I am filing a complaint against Equifax for failing to investigate my disputes regarding inaccuracies in my credit report properly. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ). as highlighted in the CFPB 's recent administrative proceeding ( file No. XXXX ) 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. 

These are the accounts that I have marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
This account has never belonged to me and was opened by identity theft. 
XXXXXXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/year> Account type Credit card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
Between XX/XX/2023 and current, Ive been submitting letters for accurate reporting to Experian. To date, the company allows things to be placed on my credit report without validating the information.

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 2025-01-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I came across the CFPB XXXX lawsuit. 

I feel i was negatively impacted Equifax hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. 
But i don't see any details about your investigation. 
A fine will be applied soon if proper investigation isint applied too. 
Please provide details to investigation or delete accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: GA

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. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-25 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:
This account has never belonged to me and was opened by identity theft. 
XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/year> Account type Credit card

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

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 2025-01-25 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: Selene Holdings LLC
State: TX

Complaint narrative:
This mortgage was taken under an XXXX, not a personal mortgage yet it is reporting under my personal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: FL

Complaint narrative:
You have allowed the following unknown account to be reporting inaccurate and erroneous information on my credit file since inception to my credit file. ACCOUNT : NATIONAL CREDIT SYSTEMS # XXXX. 15 U.S.C. 1681e ( b ), which requires credit reporting agencies and furnishers to maintain accurate and up-to-date information. Inconsistent Reporting of Date Last Activity. XXXX reports Date Last Active XX/XX/XXXX, Experian XX/XX/XXXX, and XXXX XX/XX/XXXX. There has been no recent financial activity or payments on this account for the dates to be inconsistent and according to federal law this is ILLEGALLY re-aging of debt and you are allowing this company to continuously re-age this debt monthly. XXXX has since deleted this account when I brought their attention to these illegal reporting activities. Please follow suit and delete this account immediately. Federal laws supersede any corporation 's policies or procedures and protects consumers from unfair and abusive practices. It is economic abuse, defamation of character and is permeating my everyday life harming every aspect of my life and my wellbeing. I will be pursuing forward with litigation if this illegal activity continues and this account is not deleted immediately. Please see documentation for proof of identity, and proof of deletions and inaccurate reporting information.

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 2025-01-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2025-01-25 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 XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, XXXX '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 XXXX 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
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Block Inc ( cash.app ) allowed an account to be opened using my stolen identity and processed {$6800.00} in 'card not present transactions '. Without due diligence they opened and refuse to close the acounts or work with me in any way to get to the root of the fraud. They also reported this activity as legitimate to the IRS and I have had to take extra ID theft steps to make sure I am not liable for taxes due. This account is likely still active and committing fraudulent transactions but I have no access to know anything. I have never had any business with cash app or block inc.

Company response to consumer: Closed with explanation