vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/XXXX I mailed a letter to Wells Fargo requesting a 1099c for an account that was charged off XX/XX/XXXX. I followed up with Wells Fargo in a recorded call on XX/XX/XXXX and was informed they would issue my 1099c within 7-10 business days. After not receiving the 1099c, I followed up with XXXX with Wells Fargo whom stated in a recorded call that I would not be receiving a 1099c and it was an error on their side. The reason was they require me to wait 3 years from the date they charge off. 
Per the IRS, It is required to be sent out the by XX/XX/XXXX of the following year. The IRS stated Wells Fargo is committing fraud by failing to provide the required document and falsely reporting to the credit bureaus on a charged off account. In turn causing immense damage to my credit.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Upon reviewing my credit reports from Experian, and TransUnion, I discovered the following unauthorized hard inquiries : XXXX XXXX XXXX XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX - TransUnion XXXX XXXX XXXX - XXXX, XXXX, XXXX - TransUnion XXXX XXXX - XXXX, XXXX, XXXX - Experian, and TransUnion XXXX XXXX - XXXX, XXXX, XXXX - TransUnion XXXX XXXX  XXXX - XXXX, XXXX, XXXX - Experian XXXX  XXXX XXXX - XXXX , XXXX, XXXX - Experian XXXX XXXX XXXX - JXXXX, XXXX, XXXX - Experian XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX - Experian XXXX  XXXX XXXX XXXX XXXX - XXXX, XXXX, XXXX - Experian XXXX XXXX - XXXX, XXXX, XXXX - Experian I did not apply for credit, nor did I authorize these entities to access my credit reports. Under the Fair Credit Reporting Act ( FCRA ), these inquiries constitute a violation of my consumer rights. 

Relevant Legal Violations : FCRA ( 15 U.S. Code 1681b ) This section outlines permissible purposes for accessing a consumers credit report. None of the companies listed had a valid reason or my consent to perform a hard inquiry. 

FCRA ( 15 U.S. Code 1681q ) Willful obtaining of information under false pretenses is a violation of federal law and subject to penalties. 

FCRA ( 15 U.S. Code 1681n and 1681o ) These sections provide for civil liability for willful or negligent noncompliance with the FCRA.

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 2025-04-21 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: VA

Complaint narrative:
Violations Committed 1. Fair Credit Reporting Act ( FCR

A ), 15 U.S.C. 1681s-2 ( b ) : Furnishers are required to report accurate and complete information. Reporting a balance by a non-owner constitutes inaccurate and unlawful reporting.

2. Metro 2 Reporting Standards : Once an account is sold or transferred, the previous owner must : Set the account balance to {$0.00} Mark the account as sold or transferred Failure to do so creates misleading tradelines, which is strictly prohibited under Metro 2 and the FCRA.

3. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Re-Insertion of Deleted Information : If this account was previously removed and then reinserted without proper notice and certification, that is a direct violation of federal reinsertion rules.

4. 18 U.S.C. 894 Extortionate Credit Transactions : Reporting a debt without ownership in order to damage a consumers credit or pressure repayment may constitute extortion under federal law. Penalties include : Federal fines ( as set under Title 18 ) Imprisonment up to 20 years Or both These are serious criminal penalties and, if applicable, must be formally investigated.

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 2025-04-21 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: Kikoff Inc.
State: MI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have privacy. 15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX XXXX Date : XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Reporting Request for Investigation and Removal Account Name : XXXX Account Number : XXXX Balance : {$420.00} To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. 
The account listed under " XXXX '' and numbered " XXXX '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be 100 % accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law. Verify the balance for completeness and accuracy. 
Please confirm in writing the results of your investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-21 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: RI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not received new credit score they said they not found any of the information on my credit report but they did not update that information reflecting that my score should have reflected that and my score should have gone up drastically on All three credit bureau 's but it is not and I have not received a update credit report reflecting they not found the information 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 2025-04-21 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:
XXXXXXXX XXXX {$100.00} is not mineXXXX XXXX {$510.00} is not mine. XXXX XXXX {$1300.00} is not mine All of my inquiries are not mine

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed credit control in which they cease collection and transferred account to XXXX XXXX both accounts are showing on my report which is a violation 15 USC 1692 both agent trying to collect same debt..

To Whom It May Concern : I am writing in regard to your attempts to collect a debt, referenced as account number [ Insert account number if known ]. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), I hereby request that you cease and desist all communication with me regarding this alleged debt.

Please note that continued contact from your agency may constitute a violation of federal law and can result in legal action being taken against you. 

This request applies to all forms of communication, including but not limited to phone calls, letters, emails, and messages to third parties. The only exceptions permitted by law are notices regarding specific legal actions you intend to pursue. 

Please also consider this letter a formal dispute of the alleged debt unless it has already been validated in accordance with 15 U.S.C. 1692g.

I request written confirmation that you have received and complied with this cease and desist request.

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 2025-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I had an FHA loan that originated with XXXX XXXX.Upon closing, XXXX was given the XXXX XXXX, XXXX XXXXXXXX was my loan servicer until Wells Fargo took over in XXXX. I have contacted Wells Fargo, XXXX XXXX XXXX XXXX  numerous times each requesting information and documentation of my mortgage loan. Wells Fargo has repeatedly violated my written requests for my loan documents, simply giving the explanation of XXXX position ( which has no relevance regarding the XXXX XXXX, Wells Fargo ). XXXX  told me the MIN number I provided from the documents I obtained from XXXX XXXX XXXX XXXX division, that it does not exist. I then read the representative the XXXX verbiage from the Mortgage document she said it was I registered and should have been registered as a MOM after I read her the verbiage from the mortgage. I have formally requested XXXX times from Wells Fargo under the Qualified Written Request for all documents related to my loan including transfers and assignments. they only sent me the documents of the approved loan modification from XXXX in which their error occurred. the original lender, XXXXXXXX XXXX has nothing at all. I have contacted them numerous times. I have filed complaints with CFPB, i am done waiting on Wells Fargo to provide me with the documents i have repeatedly requested. I now firmly believe they have not provided them to me because they do not have them. Im done playing their games. I am now requesting immediate action in the form of compensation against them for their negligence, wrongful foreclosure, lack of standing, break in the chain of title The foreclosure was in XXXX someone already purchased my home. so im not looking to get my home back. I want full compensation for Wells Fargo wrongful, fraudulent acts both from over the years before the wrongful foreclosure as well as to this day, they are continuing their ongoing criminal activities.. I have spoken with 2 women from Executive Office, =nothing but continued dismissal of my requests. The request for these documents were to simply prove that Wells Fargo lacked standing to foreclose. 

I had mediation = they offered {$2500.00}, in which I declined, the mediator stated {$3500.00}, Wells Fargo denied the mediators request. 

Title 12, Section 101-The statute of limitations revived by check sent to me from Wells Fargo XXXX XX/XX/XXXX. 

WELLS FARGO NEEDS TO BE CHARGED WITH THE CRIME OF XXXX. 

I CAN NOT EMPHASIZE THIS ENOUGH THEIR CRIMINAL ACTIVITY HAS BEEN ONGOING FOR YEARS. HOW MANY MORE EVERY DAY, HARD WORKING PEOPLE HAVE TO HAVE THEIR FAMILIES LIVES COMPLETELY DESTROYED AND DEVASTATED JIST BECAUSE OF WELLS FARGOS EXECUTIVES GREED FOR THE ALL MIGHTY DOLLAR AND THE POWER THAT COMES WITH IT????? 

I hope that the CFPB is not a part of covering up for Wells Fargo.

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 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST CITIZENS BANCSHARES, INC.
State: CO

Complaint narrative:
I had my debit card for my business account stolen from my home in XXXX of XXXX. The perpetrator spent {$4800.00} at various merchants in a different county. The charges were made via physical card swipes, in a XXXX, XXXX, and various gas stations in the area. I was in physical possession of the card, however when I noticed the transactions occurred, the card had been reported stolen. The bank then denied my fraud claim because I still had physical possession of the card, and asked me to reach out to my local banker. The banker essentially told me I had to go to the locations and provide my own evidence. 

I provided clear evidence that I did not authorize these transactions : photos taken from XXXX 's video surveillance showing two individuals using my card, and confirmation from XXXX 's asset protection team, including a staff member who I interviewed, and that staff member confirmed I was not the person in the footage. Despite this, XXXX XXXXXXXX XXXX  denied my fraud claim on the grounds that I still had the card in my possession. This is not a valid reason for denial under Regulation E of the Electronic Fund Transfer Act, which protects consumers from unauthorized debit card use, including situations where the card was cloned or physically stolen and returned.

I have made multiple attempts to follow up with both the bank and the banker, and filed another formal complaint with the bank, but my calls have gone unanswered and no further action has been taken to resolve my claim. As of today, XX/XX/XXXX, it has been over 2 months with no resolution. 

I am unable to attach any photo or video evidence because they are larger than 10mb, but can happily provide them. I have : the video interviews, photos referenced in the video, the pictures from XXXX 's footage, A photo of myself to dispute any claims that the person in the photo was me, a photo of my wife, who was 8 months pregnant on XX/XX/XXXX, to dispute any claims that the woman in the photo was my wife, and all email communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is a follow-up to my original complaint ( Complaint ID : XXXX ) regarding a {$1200.00} paycheck I deposited through the drive-thru ATM at the Bank of America branch located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX, on XX/XX/year>. As I previously stated, my check was mistakenly deposited into the account of the customer who used the ATM before me. A dispute was initiated by the branch staff, and I was told I would receive my money once the account closed on XX/XX/XXXX. 

Now I have learned that Bank of America has closed the dispute altogether, claiming they could not locate my paycheck. This is unacceptable. I deposited a physical check, and the error was on their end. Their ATM mishandled my deposit and credited someone elses account. Now, instead of correcting the mistake, they have closed my account, denied me access to the funds, and have shut down the dispute with no resolution. 

I am suffering financial hardship due to their error and negligence. I need this money to cover basic living expenses, and this situation is becoming urgent. I have done everything on my end responsibly, but the bank continues to make it worse.

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 monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: OH

Complaint narrative:
Since I contacted CfPb about cash app taking money out my account unauthorized it's like I'm cash app most wanted they will not help me verify my account so I could use the borrow feature I'm approved for i been getting a direct deposit since XXXX  every Friday I been contacting them for 2 months about this inquiry in they keep giving me the run around lying saying they sent me emails but never do keep closing my reference number inquiring about the case I've done had 6 reference numbers in there still giving me the run around can you help me please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: MA

Complaint narrative:
In XXXX of XXXX I purchased a car and learned from the finance director that my mortgage was listed as being delinquent. My FICO scores between Experian and Transunion were off by over XXXX points. 
I then discovered that my mortgage from XXXX XXXX XXXX had not reported to the credit bureaus for 42 months. 
The last late mortgage payment was on XXXX of XXXX. YET, Experian has continued to report my mortgage as delinquent. 
In XXXX of XXXX, I proceeded to file a dispute with my mortgage holder with all 3 major credit bureaus. Over the course of 45 days, all 3 bureaus were updated reflecting that my mortgage was paid on-time since XXXX of XXXX. 
Experian continues to report to any credit granting companies that my loan is delinquent. 
This has caused me great financial harm in the form of denied credit and higher interest rates. 
I called Experian and spoke with a representative in XX/XX/XXXX, and was told that the DELIQUENT status will stay on my credit report until XXXX. 
This is from the credit reporting agency NOT from the mortgage holder.

This is a systematic and deliberate INTERNAL attempt by Experian to artificially keep my credit FICO score depressed.

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 2025-04-21 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: NM

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I received a letter stating that I was being Sued by Midland Credit Management, I asked them for a debt Validation, which is a formal request under the FDCPA, 15 USC 1692g These companies are in violation of the Privacy Act, Gramm-Leach-Bliley Act. and Regulation F

Company response to consumer: Closed with non-monetary relief