vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX we held a mediation session with Wells Fargo ( WF ) rep and mediator. After receiving notes from the mediator it turn out the notes were incorrect to the facts : ( XXXX ) The notes says we purchase the house for {$900000.00} but fact is the house was purchase for {$390000.00}. ( XXXX ) The current value of the home is $ XXXX not $ XXXX. ( XXXX ). To make this right and with my humble and fair judgement I tried to negotiate a fair settlement in good faith, so I lowered the settlement from the requested initial offer of $ XXXX to $ XXXX. Fact is there was a identified error identifed by XXXX in letter dated XX/XX/XXXX,, XXXX ( note a error that was idenfited approximate XXXX years ago ), that prevented us from obtaining a modification to lower our payment in XXXX and that same error mostly likely existed even in that XXXX XXXX that prevent us obtaining a modification / payment plan so we could retain our residence. Fact is this error did cause harm to me and my family financially and in the fact we had to sell our home to prevent XXXX foreclosing on our home. Sadly the error cause significantly hardship to me and my family because we had to move and went back to renting a house at {$3000.00} more than our mortgage at the time which was at approximately {$2600.00} per month. Even though it was identified by XXXX XXXX years later that this major error occured to our approved and finalized loan modification still cause significantly finanacial hardship. 
Sadly the unwillingness of WF not meeting me half way to make this right they chose the lower an insulting amount by offering me only $ XXXX vs. $ XXXX that I was willing to accept to make this whole situation settled and finalize. So yes I accepted the non-binding sum of $ XXXX but this is not a fair with actual facts that was discussed after offering three counter offers ( see attachment ) below the requesting offer of $ XXXX. Lastly XXXX admitted the errored that occured XXXX years ago is unwilling to present a fair resolution that would correct a horrible error that led to the selling my my ( our ) home XXXX years ago. So again I asking for the much lower amount of $ XXXX to resolve this unfortunate error that occured XXXX years ago. 
I've attached the non-binding mediation agreement.

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 2025-01-23 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: AL

Complaint narrative:
I am filing a compliant against Equifax for failing to properly investigate my disputes regarding my inaccuracies in my credit report. Despite my submissions, Equifax consistently resends within 24 hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I created documents to verify all of these accounts and these are the ones not provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I created documents to verify all of these accounts and these are the ones not provided

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: WA

Complaint narrative:
Chime credit builder credit card. 
In order to use the card you must first load money on to the card otherwise transactions will be declined for insufficient funds. 
Chime has sent me several statements claiming I owe them over a XXXX dollars for credit transactions that have occured throughout the past 6 months. They negatively reported my account delinquent when this is impossible to occur. THERE IS NO WAY TO SPEND MONEY UNLESS THE MONEY IS LOADED BY MYSELF. SO ANY MONEY THAT WAS SPENT WAS MONEY I LOADED TO THE CARD ONCE THE MONEY IS GONE THEN THE CARD IS DECLINED. SO HOW IS CHIME SAYING I OWE THEM MONEY THAT WAS LOADED BY MYSELF AND USED BY MYSELF. THEY NEVER GAVE ME ANY CREDIT LIMIT OR ALLOWED ME TO INCURE DEBT FROM CREDIT TRANSACTIONS. I SUPPLIED THE MONEY TO THE CARD USED MY MONEY AND THEY ARE BEING DECEPTIVE BY REPORTING NEGATIVE TO CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: DE

Complaint narrative:
I checked my credit report and noticed several items not belonging to me Accounts I never opened and address that were not associated with me

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 2025-01-23 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: Self Financial Inc.
State: DE

Complaint narrative:
I checked my credit report and noticed several items not belonging to me Accounts I never opened and address that were not associated with me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth XX/XX/XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a student loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, an credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Zelle payments through XXXX in the past that never gave you a warning if you were sending money through Zelle to the right person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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 filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently respond within 24-hour stating the account is accurate, without providing the any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumers Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), 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 equal facts complies with federal laws and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NC

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. 1681-1681x, 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. 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 are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-23 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. 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 2025-01-23 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: OK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. 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 2025-01-23 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: OK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. 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 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was charged late fees due to the automatic bill payment that I set up having some error that I was never notified of. I am paying the full statement immediately but I feel like being charged late fees when I set up automatic full statement payments is not right.

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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I wanted to know who kept charging my card and why they had access to it. I got told that cashapp couldn't tell me any information on this and to just block the merchant trying to charge my card. I keep getting fraudulent charges on my credit card from multiple places. It isn't just one. I replaced my card so many times due to this and it keep happening. I had made disputes but never received my money back nor did I receive a resolution. My card keeps getting charged without my consent!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NE

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and using Experian has affected my credit, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-01-23 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: EQUIFAX, INC.
State: IL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Initial Contact with Transunion : I reached out to Transunion by calling their customer service. My goal was to inquire about updating my consumer report, likely related to some disputed information or changes I wanted to make. ( un-verified Hard Inquiries ) Speaking with a Representative : During the call, I spoke with a Transunion representative. The representative told me that in order for my consumer report to be updated, I would need to send additional documentation such as proof of identity ( ID, Social Security card, etc. ). 

Clarification on Information Already Provided : I clarified with the representative that I had already submitted these documents in the past. Despite this, the representative stated that Transunion did not have those documents on file. This assertion contradicted my records and previous interactions, as I had already provided the necessary documents. 

Disputes and Record of Submission : I mentioned that if Transunion reviewed the disputes I had previously filed, they would see that the required documents were already submitted. This was an attempt to highlight that the information was already in their system, and they should have access to it. 

Proof of Conversation : I also noted that I have a recorded call of the representative stating that Transunion did not have the required documents on file. This recording serves as evidence to dispute the representative 's claim. 

Next Steps : In light of the representatives contradictory statement, I may need to escalate the issue. Since I already have the required documentation on file and proof of the representative 's miscommunication, I could submit the necessary documents again, referencing the recorded call as evidence, or file a formal complaint to Transunion for further investigation and resolution.

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 2025-01-23 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: NY

Complaint narrative:
Dear Sir/Madam, Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX XXXX XXXX  Account Number : XXXX Amount : XXXX Date of Account : XX/XX/XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Amount : XXXX Date of Account : XX/XX/XXXX Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Date of Account : XX/XX/XXXX Creditor/Collection Agency Name : XXXX XXXXXXXX Account Number : XXXX Amount : XXXX Date of Account : XX/XX/XXXX Creditor/Collection Agency Name : XXXX XXXX  Account Number : XXXX Amount : XXXX Date of Account : XX/XX/XXXX I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 

I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MD

Complaint narrative:
There are hard inquiries on my credit report that I did not authorize. Also there are accounts on my credit report that I have already disputed that needs to be removed immediately being as though it is in accurate and false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MD

Complaint narrative:
There are hard inquiries on my credit report that I did not authorize. Also there are accounts on my credit report that I have already disputed that needs to be removed immediately being as though it is in accurate and false reporting.

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 2025-01-23 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: CA

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 non-monetary relief