vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing this complaint to dispute certain debts that are inaccurately reporting on my credit report. My information has been leaked in multiple data breaches. According to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have requested validation of these debts, as they do not belong to me.

Details of Complaint : The debts listed on my credit report are not mine.

Under 15 U.S.C. 1692g ( FDCPA ), I have the right to request that the debt collector provide written validation of the debt, including the original creditors name, the amount of the debt, and proof that I am legally responsible for the debt.

Additionally, under 15 U.S.C. 1681i ( FCRA ), I have the right to dispute inaccurate information on my credit report, and the credit reporting agencies are required to investigate and correct any inaccurate information within 30 days.

The debt collectors have not provided sufficient documentation to prove that these debts are valid or that I am responsible for them.

Reporting inaccurate or unverifiable debts is a violation of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain accurate and complete information in consumer reports.

Requested Resolution : 1. I request that the CFPB investigate this matter and direct the credit reporting agencies to remove the disputed debts from my credit report unless the debt collectors can provide : o A signed contract or agreement proving that I am responsible for the debt.

o A complete payment history, including the original creditors name and address.

o Proof of assignment or transfer of the debt ( if applicable ).

2. If the debt collectors are unable to provide this documentation, the debt should be permanently removed from my credit report, as required under 15 U.S.C. 1681i.

3. I also request that the CFPB ensure that the credit reporting agencies and debt collectors comply with all provisions of the FCRA and FDCPA moving forward to prevent further inaccurate reporting.

I appreciate your attention to this matter and expect a resolution within the legally required time frame.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
To Whom It May Concern : I recently reviewed a copy of my ( XXXX, XXXX, and XXXX ) credit report and I noticed some late payments on there. 

Original Creditor : AMERICAN EXPRESS Account Number : XXXX Your company is in clear violation of the law.

Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give your company written permission to furnish these late payments on my credit report.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all the late payments from my consumer rep
ort, this agency violates 15 USC 1681.

Failure to respond satisfactorily with deletion of the above-referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 1681n Best regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have HUNDREDS OF INQUIRIES ON MY ACCOUNT AND they are the same inquirys from the same companys every MONTH THIS SHOWS UP ON MY REPORT. I have XXXX XXXX XXXX XXXX HAS CONTACTED THEM TO REMOVE ITEMS INQUIRES AND THE CREDIT REPORT AGENCIES ALLOW THEM TO BE ADDED ALL OVER AGAIN ITS LITERALLY THE SAME SOME COMPANYS EVERY MONTH. Ive owned a buisness since XXXX this never shows on my account only the FRAUD!!! 

My next issue is I have no criminal background what so ever it was documented 23 years ago of a family member pretending to be me on police records n has been removed I had a MORTGAGE BILL AT THE AGE OF XXXX XXXX XXXX I FILED A REPORT WITH THE POLICE AT XXXX XXXX XXXX for identity theft my taxs were filed and taken the irs returned my money.

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 2025-03-17 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: WA

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 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
There was a negative balance in my account 's Cash Back, and after calling customer service, they agreed that the issue was caused by the bank mistakenly deducting the Cash Back. 

On XX/XX/XXXX and XXXX, there were two {$150.00} refund transactions, and the bank deducted three times the amount of Cash Back, even though I initially only received one-time Cash Back. After the customer service representative submitted a request on my behalf, I received a letter from Bank of America stating that the deductions were correct.

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 2025-03-17 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: TX

Complaint narrative:
I reviewed my credit reports from Equifax, Experian, and TransUnion and found incorrect personal information affecting my credit profile. Specifically, there are multiple inaccurate names, outdated or incorrect addresses, and employment information that do not belong to me. 

For Equifax : Incorrect names reported : " XXXX XXXX XXXX, '' " XXXX XXXX XXXX, '' and " XXXX XXXX. '' For Experian : Incorrect name reported : " XXXX XXXX XXXX. '' Incorrect employer reported : " XXXX. '' For TransUnion : Incorrect names reported : " XXXX XXXX XXXX '' and " XXXX XXXX. '' Incorrect address reported XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX '' ( missing apartment number and incorrect formatting ). 
These errors misrepresent my identity and could expose me to fraudulent activities or negatively impact my credit history. I also requested that all phone numbers be deleted from my reports due to receiving unsolicited robocalls. I have submitted disputes under Section 611 of the Fair Credit Reporting Act ( FCRA ), but I have not yet received an adequate resolution from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my credit reports from Equifax, Experian, and TransUnion and found incorrect personal information affecting my credit profile. Specifically, there are multiple inaccurate names, outdated or incorrect addresses, and employment information that do not belong to me. 

For Equifax : Incorrect names reported : " XXXX XXXX XXXX, '' " XXXX XXXX XXXX, '' and " XXXX XXXX. '' For Experian : Incorrect name reported : " XXXX XXXX XXXX. '' Incorrect employer reported : " XXXX. '' For TransUnion : Incorrect names reported : " XXXX XXXX XXXX '' and " XXXX XXXX. '' Incorrect address reported XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX '' ( missing apartment number and incorrect formatting ). 
These errors misrepresent my identity and could expose me to fraudulent activities or negatively impact my credit history. I also requested that all phone numbers be deleted from my reports due to receiving unsolicited robocalls. I have submitted disputes under Section 611 of the Fair Credit Reporting Act ( FCRA ), but I have not yet received an adequate resolution from the 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 explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The company will call me 2 times a day with a diffrent phone number. On my phone it come as XXXX XXXX. When I pick up is a credit company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a loan account with XXXX XXXX XXXX opened on XX/XX/year>. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent item. I do not recognize this account as reported. This item appearing on my consumer credit report was not opened, made, or initiated by me and is the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that this consumer credit account is 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 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC
State: HI

Complaint narrative:
I received a credit card in the mail from Milestone Mastercard issued by the XXXX  XXXX XXXX. I never applied for this card so I never called and activated it and then I started to receive bills in the mail for this card. When I called the phone number on the back of the card the first thing it asks for is my social security number, so I did not give this. I do not wish to be a part of this and when I called another number it said it was part of a debt collection agency. Seems like a big scam to me!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: PA

Complaint narrative:
I am following up on my previously disputed accounts, which remain unresolved. Despite my prior request for reinvestigation, I have yet to receive a satisfactory response. Once again, I am requesting that you provide the source of this information and a detailed explanation of the methods used to verify its accuracy.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am formally disputing the inaccurate inclusion of a bankruptcy on my credit report. I have official documentation from the court that clearly states this bankruptcy should not have been reported to your agency. Despite this confirmation, the bankruptcy remains on my credit file, which is both misleading and unjust. The presence of this incorrect information has the potential to negatively impact my financial standing, and it is crucial that this matter be addressed immediately. 

Additionally, I am deeply concerned about the involvement of an unauthorized third party in this situation. This raises serious questions about the integrity and accuracy of the reporting process, making it even more critical that this issue is investigated and resolved without delay. The presence of unauthorized involvement only amplifies my concerns regarding the security and reliability of my credit file.

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 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

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 un der the Electronic Fund Transfer Act ( EFTA ) an
d Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 
I want the CFPB to publish

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I requested the activation fee of {$69.00} to be removed from my account since the fee is for nothing whatsoever. I requested this on XX/XX/year>. I communicated with Synchrony using their customer service online chat and was connected with XXXX XXXX who is an Account Manager at Synchrony.

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 2025-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I received notice from my lender, Mohela, on XX/XX/XXXX that my loans were forgiven as of XX/XX/XXXX. I was told that my $ XXXX in overpayment would be refunded to me in 90 days. I have since been sent from Mohela to the IRS back to Mohela multiple times and no one can give me any indication of when I will receive my refund. In my last encounter with Mohela, for which I waited over XXXX on hold, the agent informed me that the 90 days is business days vs calendar, though this is not clearly delineated in their communication. Mohela tells me that they sent the request for refund to the dept of Treasury in XXXX. Treasury shows no indication of receipt and Mohela can not provide me with reference number or even of a phone number for Treasury ( their agent told me to XXXX it ). I am well past the 90 day period indicated in their formal communication and would like an immediate refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-17 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX  XXXXXXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX  XXXX {$120.00}, XXXX XXXX XXXX {$20.00}, XXXX XXXX XXXX {$1200.00}, XXXX XXXX {$1000.00}, XXXX XXXX {$720.00}, XXXX XXXX {$5200.00}, XXXX ACCT XXXX {$350.00}

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 2025-03-17 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: DISCOVER BANK
State: NY

Complaint narrative:
Despite my dispute, I have been informed that my claim was denied based on Regulation E, stating that I authorize the payment. However, I want to emphasize that this transaction was made under false pretense and fraudulent misrepresentation. I attempted to purchase a laptop from an individual who claimed they would ship it. I was instructed to send {$210.00} via XXXX to cover shipping costs. After sending the money, I was contacted by a supposed " XXXX Driver '' who demanded more money before I could receive the item. It became clear that this was a scam, and I was never provided with the product I paid for. When I asked for a refund, the scammer attempted to extort me for even more money. Under Regulation E, while authorized transactions are typically not refunded, the law does protect consumers from fraud and deception. Since I was misled into sending money under false pretenses, this should be considered a case of fraud. Additionally, I never received the laptop I paid for. The transaction involved a fraudulent scheme where the scammer impersonated a XXXX  driver to extract more money. I have since learned that similar scams have been reported, indicating a pattern of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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