vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I opened an account with Wells Fargo XXXX after the first XXXX months I have had trouble with them never opened a savings account with them so I was told my account wouldnt be able to be over drafted, well after moving across the United States from my home state to take care of my XXXX mother in law I have had issues with them cashing personal checks through their mobile deposit systems that resulted both my wife and I losing not insignificant paychecks payments due to fees and overdraft fees and I tried for over a year to resolve it with them but they keep acting like I am stupid and it is my budgeting issues or over spending that caused the issue well I went XXXX  months with out having a single over draft fees so do believe that is the issue, i have had XXXX recent very serious hospital stays recently and before I went to the hospital my account was positive and nothing should have come out since there was only like XXXX in there and I get out of the hospital and the account reach a maximum of nearly - {$400.00} in XXXX days from their fees that is ridiculous

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 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
Detailed Chronology of Events : 1. XX/XX/2025 : Received initial invitation for the Apple Card special account opening offer ( Exhibit 1 ).

2. XX/XX/2025 : Completed pre-application for the Apple Card through Goldman Sachs, which was declined ( Exhibit 2 ).

3. XX/XX/2025 : Received an email from Apple explicitly inviting me to join the Path to Apple Card program to improve my eligibility for future reapplication, clearly stating a six-day enrollment window and an opt-out number ( XXXX  ) ( Exhibit 3 ).

4. XXXX XXXX XXXX : Made multiple systematic attempts to enroll following the provided instructions, with the enrollment option consistently failing to appear ( Exhibit 4 ).

5. XX/XX/2025 : Attempted to contact Apple Support through the ask link in the invitation email ( Exhibit 3 ), only receiving an automated response directing me to call or text later ( Exhibit 5 ).

6. XX/XX/2025 : Contacted Apple Support directly. Initially, they incorrectly informed that my enrollment had already expired, contradicting the email stating my deadline was XX/XX/2025. After internal investigation, Apple acknowledged a system discrepancy and escalated my case to Goldman Sachs. 
7. XX/XX/2025 : Received a call from Goldman Sachs falsely claiming that I had opted out of the program. I actively attempted to enroll and made no such efforts to opt out. Goldman Sachs ' accusation is a demonstrably baseless attempt to deflect responsibility for their internal system failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
On XXXX  XX/XX/XXXX at approximately XXXX XXXX  i sent {$400.00} through cash app to someone whom I thought was the correct person that I was purchasing a vehicle from and the person excepted it. I have requested it and I have also submitted claims to cash app and they proceeded to tell me that there is nothing they can do to get me my {$400.00} back now that the person has excepted the cash. I did not receive the vehicle and I told that to cash app and they have said there is nothing they can do about getting my money from the person and that I need to be more aware of who I am sending money to. I have emails from there manager stating the same exact thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
I am reaching out to dispute inaccuracies on my credit report, specifically regarding accounts that have been incorrectly marked as late payments, as well as inaccurate personal information. After thoroughly reviewing my records, I have confirmed that these accounts were, in fact, paid on time, and the reported late payments are erroneous. Additionally, my credit report reflects incorrect personal details that need to be updated or removed. 

These inaccuracies have had a negative impact on my FICO score. Under U.S. Law 15 U.S.C. 1666b, which governs the reporting of late payments, I have the right to a fair and accurate review of disputed information on my credit report. Therefore, I request that these errors be thoroughly investigated and that the late payment status be corrected to accurately reflect on-time payments. 

I urge you to address these discrepancies promptly and update my report accordingly. I appreciate your immediate attention and resolution of this matter. Thank you for your cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams, Rush & Associates, LLC
State: MD

Complaint narrative:
I sent them documentation regarding the debt as I thought it was included in a bankruptcy. I had documentation that I did not owe the company as they charged me incorrectly. It was merchandise that I bought but I returned it ( rent to own ) and sent the company the tracking information and receipts to verify it had been sent back. The company, XXXX, did not update their files and about XXXX  years later, referred this debt, which was incorrect, to a collections agency. They did not send any information that I could dispute the debt which was obvious if I reached out to them regarding the debt and sent bankruptcy information. They are aware I am trying to purchase a home as their response was " we know you're trying to get a mortgage ' and tried to force me to pay the debt. I forwarded the documentation that the merchandise was returned and they have not removed the erroneous information off of my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
I am reaching out to dispute inaccuracies on my credit report, specifically regarding accounts that have been incorrectly marked as late payments, as well as inaccurate personal information. After thoroughly reviewing my records, I have confirmed that these accounts were, in fact, paid on time, and the reported late payments are erroneous. Additionally, my credit report reflects incorrect personal details that need to be updated or removed. 

These inaccuracies have had a negative impact on my FICO score. Under U.S. Law 15 U.S.C. 1666b, which governs the reporting of late payments, I have the right to a fair and accurate review of disputed information on my credit report. Therefore, I request that these errors be thoroughly investigated and that the late payment status be corrected to accurately reflect on-time payments.

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 2025-03-25 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: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Kohl has close this account as a charge off and written off the balance of XXXX. I am requesting a 1099 C because this debt is still on my credit report. This Debt was closed due to fraud they have written it off but still say I owe it on my Credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

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 2025-03-25 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: CA

Complaint narrative:
Dear Sir/Madam, I am following up on my previous correspondence, in which I formally disputed the inaccurate reporting of late payments on my credit report concerning my [ Credit Card , Auto Loan, or Mortgage ] account [ Account Number ]. Unfortunately, despite my request for correction in accordance with the **Fair Credit Reporting Act ( FCRA ) **, the **Truth in Lending Act ( TILA ) **, and the **Protection Against Non-Payment of Obligations Act ( PAANL ) **, the inaccurate information remains unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have no acknowledgment of this account XXXX  XXXX XXXX not only do I have no acknowledgment of this account. They keep reporting this every single month. 

I want to report I want to dispute some inaccurate and unverifiable information. 
I have filed a complaint with the credit bureaus, but they continuously are leaving this on my report without proper debt validation.

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 2025-03-25 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I am submitting this complaint against Equifax Credit Bureau regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX ; XXXXXXXX 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 XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX, XXXX, XXXX XXXX ; but my credit report shows an outdated address as XXXX XXXX, XXXX, XXXX XXXX ; XXXX XXXX, XXXX, XXXX XXXX. I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: CA

Complaint narrative:
I am following up on my previous correspondence, in which I formally disputed the inaccurate reporting of late payments on my credit report concerning my XXXX XXXX XXXX XXXX XXXXXXXX : Auto Financing account XXXX XXXX XXXX XXXX XXXX. Unfortunately, despite my request for correction in accordance with the **Fair Credit Reporting Act ( FCRA ) **, the **Truth in Lending Act ( TILA ) **, and the **Protection Against Non-Payment of Obligations Act ( PAANL ) **, the inaccurate information remains unresolved.

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 2025-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
I seen this collection debt on my credit report. 
The amount has changed but is currently {$1700.00} I sent them a certified letter. That was received and signed XX/XX/year> Asking for verification of this alleged debt, *Copy of original contract or agreement *Any documents showing current amount, including fees, interest and other fees. 
*Proof that they are legally authorized to collect the alleged debt. 

I requested that they cease all collection activity, until verification of debt. 
( Received XXXX texts since. additionally the only text I have received has been after I sent letter ) I also requested documents within XXXX  days or I would consider debt invalid and will dispute it with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
I am filing this complaint against Absolute Resolutions Investments , LLC ( ARI ) regarding their attempt to collect and report an alleged debt that has not been properly validated and contains inaccurate information. Lack of Proper Debt Validation ; I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ) by requesting debt validation. ARI responded by providing a loan agreement, but they failed to include a signed contract or verifiable proof of my e-signature. Under 15 U.S.C. 7001 ( c ) of the E-Sign Act, electronic signatures require an audit trail proving identity verification ( such as an IP address, date, and time stamp ). ARI has not provided this proof. Since they can not prove I agreed to this debt, it should not be reported on my credit file or collected upon. Inaccurate Balance Reporting ; ARI is reporting a different balance than the original charge-off amount. The original creditor, XXXX XXXX, XXXX, charged off the debt at {$1900.00}, but ARI is reporting {$1400.00} on my credit report. I also contacted XXXXXXXX XXXX XXXX XXXX the law firm representing ARI, and was told that my balance is {$350.00} more than what is currently being reported to the credit bureaus. This means ARI is engaging in false reporting and collection of an inaccurate debt amount, violating both the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692e ( 2 ) ( A ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: CA

Complaint narrative:
I request the immediate removal of unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I am unaware of their source. Under USC 1681g, I formally ask that they be deleted within 15 days. Please find enclosed documents for reference. Moreover, the reported account details vary across different credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I request the immediate removal of unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I am unaware of their source. Under USC 1681g, I formally ask that they be deleted within 15 days. Please find enclosed documents for reference. Moreover, the reported account details vary across different credit bureaus.

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 2025-03-25 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: PA

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 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 2025-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 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 2025-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CrossCountry Mortgage LLC
State: PA

Complaint narrative:
I am writing to formally lodge a complaint against CrossCountry Mortgage LLC regarding an ongoing issue with my mortgage account Early XX/XX/year>, I paid {$600.00} for a home appraisal, confident that my property had appreciated sufficiently to qualify for the removal of my Private Mortgage Insurance ( PMI ). However, the appraisal conducted in XX/XX/year> returned a value lower than my purchase price, largely due to significant errors in the appraisal report. Specifically, the appraiser incorrectly listed the number of bathrooms as 2 and 1/2 instead of 4 and1/2 and the number of garage spaces as 1 instead of 2. 

Upon discovering these errors, I promptly contacted Cross Country Mortgage and spoke with a representative who acknowledged the mistakes and informed me about the appeals process. They indicated that a new appraisal would likely be necessary once the appeal was approved. However, since that conversation, I have received no updates regarding my appeal despite multiple follow-ups. Below are the dates of my communications with Cross Country Mortgage : - XXXX : Contacted and told a manager would call me back. 
- XXXX : informed a manager would return my call and was giving instructions on how to send in an appeal via email XXXX : sent an appeal via email with a detailed explanation and the corresponding pictures of all bathrooms and garages as evidence - XXXX : Spoke with another representative ; again promised a manager would contact me. 
- XXXX : Spoke with a representative from the PMI dispute department ; promised a manager would reach out. 
- XXXX : Inquired about the appeal status ; no updates were available. 
- XXXX : Finally informed that my appeal was denied without explanation, despite acknowledgment of significant errors in the appraisal. 

As a result of this situation, I have been compelled to continue paying PMI of {$320.00} monthly for over a year, totaling a significant financial burden. 


I appreciate your attention to this matter and look forward to your prompt response. Please feel free to contact me should you require any further information. 

Thank you for your assistance. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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:
I have been dealing with ongoing Identity theft issues for several years at this point. To no avail... I continue to find things on my credit report and receive calls about accounts that dont belong to me and that have presumably been opened fraudulently

Company response to consumer: Closed with explanation