vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
NOT SURE OF ANYTHING BUT MY SISTER WAS A VETERAN, AND A CHILDREN 'S LIBRARY AT THE XXXX LIBRARY IN ALABAMA. WELLS FARGO TURNED DOWN MY REQUEST TO CONTINUE STAYING IN THE HOME FOR THE LAST 3 YEARS OF MY SISTER XXXXXXXX XXXX LIFE. MY SISTER PASSED AWAY OF XXXX IN XXXX, XXXX. I AM XXXX XXXX, AND I NOW LIVE IN THE XXXX, NEW YORK. I AM AGE XXXX, XXXX XX/XX/XXXX. WELLS FARGO LED ME ON THAT THEY WERE ATTEMPTING TO ALLOW ME TO GET MORTGAGE REDUCED MORTGAGE AND GOT ALL THE INFORMATION THAT I GAVE THEM AND FOUND THAT I JUST WAS NOT ELIGIBLE. I WAS SO HURT. I WAS A WIDOW ON SOCIAL SECURITY. EACH TIME XXXX TURNED ME DOWN UNTIL I WAS ASKED TO LEAVE. I LEFT MY APARTMENT IN XXXX, NY TO COME AND LIVE IN MY SISTER 'S HOME SO THAT SHE WOULD NOT HAVE TO GO INTO A XXXX HOME. I WAS CALLED BY THE ADULT PROTECTION SERVICES IN ALABAMA TO EITHER COME AND STAY WITH MY SISTER OR SHE WOULD HAVE TO BE TAKEN TO A XXXX HOME. WELLS FARGO HAS ALL OF MY INFORMATION, AND COMMUNICATED WITH ME REGULARLY. IF THEY CHECK THEIR RECORDS, THEY WILL SEE THE EMPLOYEE WHO CONTINUED TO LEAD ME ON WITH HOPE THAT I WOULD GET A REDUCED MORTGAGE AND NOT BE THROWN OUT BY WELLS FARGO. WHY DID WELLS FARGO KEEP MY SISTER 'S XXXX. IN XXXX. WHY DID THE INFORMATION SAY THAT THE HOUSE WAS NOT WORTH THE TROUBLE. I HAD THE HOUSE APPRAISED AND TOLD THAT IT WAS WORTH AT LEAST {$150000.00}. MY SISTER BOUGHT THE HOUSE FROM SCRATCH, I MEAN, BUILT JUST FOR HER, BRAND NEW. SHE LIVED IN IT FOR 17 YEARS, I BELIEVE. IT WAS ALMOST PAID FOR. THE ADDRESS WAS XXXX XXXX XXXX, XXXX, XXXX, ALABAMA I FORGOT THE ZIP. CODE. MY ADDRESS IS XXXX XXXX XXXX XXXX, XXXX, NY XXXX. PLEASE HELP ME. THIS INFORMATION, I AM SURE, WILL BE EASY TO VALIDATE. IT IS LOCATED AT THE ATTORNEY GENERAL 'S OFFICE, WHO ALSO CLAIMED HE FELT THAT I DO NOT HAVE A CLAIM, BUT AT THAT TIME, I DID REACH OUT TO HIM REGARDING WELLS FARGO NOT EVEN RETURNING MY SISTER 'S EQUITY THAT SHE HAD IN HER HOME. WHY? NOT SURE WHAT TYPE OF MORTGAGE THIS WAS CALLED BUT IT WAS NEVER LATE, E VER. MY SISTER KEPT UP ALL OF HER BILLS, ALL OF HER LIFE, UNTIL SHE WAS DIAGNOSED WITH XXXX. SINCERELY, XXXX XXXX -PLEASE ANSWER ME BACK. I AM SURE I CAN GET DUPLICATES OF ALL OF THE CORRESPONDENCE BETWEEN WELLS FARGO AND MYSELF.

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 2025-04-27 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and should be blocked : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As required by law, this fraudulent information should be blocked for at least one year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data. 
I have contacted the Transunion, on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy. 
I have also requested verification and contract documentation from the companies reporting these accounts, and more than 60 days have passed without any response. Therefore, I am requesting immediate action. 
Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation. 
Sincerely, 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 2025-04-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
Problem : Cash App ( Block, Inc. ) is unlawfully withholding funds from my account, causing financial harm. Despite repeated attempts to resolve the issue through their support system, they have failed to return my funds or provide a legitimate explanation. 

Details : I attempted to access my account balance and/or deposit checks, but Cash App either froze my account, delayed my transactions, or provided no meaningful customer service. 

My situation is not covered under the recent CFPB consent order settlement they referenced, as these issues are current, ongoing, and causing severe financial hardship. 

I have suffered actual damages due to Cash Apps failure to handle my funds properly, including loss of access to critical resources like housing, food, transportation, and basic living expenses. 

Requested Action : I am requesting that Cash App be required to : Immediately release the funds owed to me. 
Provide a detailed written explanation for their actions. 
Compensate me appropriately for financial hardship caused by their negligence. 

Company Details : Block , Inc. ( parent company of Cash App )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had funds wired into the 5/3 bank ; they were blocked for 6 years, and the bank refused to allow me to access these funds of {$150000.00}. In XX/XX/XXXX, the funds were still blocked in my account, and then 1 day beginning of XX/XX/XXXX, the funds were transferred to an account that was/has not been recognized. The account was hacked, and I want my funds back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disagree with XXXX  XXXX adjustments. Now it is saying I am CHARGED OFF ON XX/XX/year>, but that is completely INACCURATE. 

This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : 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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disagree with XXXX  XXXX adjustments. Now it is saying I am CHARGED OFF ON XX/XX/year>, but that is completely INACCURATE. 

This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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 recently discovered that I am a victim of identity theft, as someone is using my Social Security Number. An address that does not belong to me appeared on my Equifax credit report. I filed a dispute with Equifax on XX/XX/year>, Confirmation Number : XXXX. As part of my dispute, I uploaded a copy of my driver 's license and my most recent cell phone bill. 

However, on XX/XX/year>, Equifax concluded that the fraudulent address is still associated with my profile. I have never lived at that address ; it belongs to a fraudster attempting to impersonate me. Equifax is the only credit bureau reporting this incorrect information and the only one that has denied my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: MS

Complaint narrative:
hard inquiries on report that do not belong to me and needs to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 2025-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I tried to respond to the email from the group about a debt and it never goes through at the end I get a could not process notification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. My account was closed unfairly and without warrant. The accusations they placed on my account were incorrect and I had no option to speak to anyone to appeal the process. These actions have caused a significant inconvenience and financial loss. I am seeking appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
multiple accounts with charge offs and collections are on my account that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
Advanced Collection Bureau of XXXX is attempting to collect an incofimed debt on behalf of XXXX XXXX XXXX, and has been doing so since 2022. In their reposting to the credit bureaus, they have described the account as CO ( charged off ) every month since 2022. This is an attempt to re-age the alleged debt and keep it appearing on my credit files longer than allowed. In addition, the statute of limitations for a debt owed to a heal care facility in the state of Florida is three ( 3 ) years. Finally it is my understanding that CFPB has implemented a rule that medical debt not be reported to credit bureaus. XXXX XXXX XXXX and Advanced Collections Bureau are both subject to the laws of the state of Florida, which is my state of residence. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I am formally disputing the student loan accounts reported under my name due to material changes in federal student loan administration following the executive order issued by XXXX XXXX to abolish the U.S. Department of Education. This unprecedented action has created substantial uncertainty regarding the legitimacy, ownership, and enforceability of student loan debts that were previously under the purview of the Department of Education.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are legally required to report only accurate and verifiable information. Given the federal dissolution of the agency responsible for these loans, the chain of custody, legal authority, and servicing legitimacy of these accounts are in question. There is no verified entity authorized to validate, collect, or report these debts. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/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 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I DISCOVERED MY INFORMATION WAS USED WITHOUT MY CONSENT. I STARTED RECEIVING UNUSUAL CALLS AND EMAILS ABOUT THESE ACCOUNTS THAT WERE NOT AUTHORIZED TO BE OPENED WITHOUT MY CONSENT. IT HAS BEEN USED IN VARIOUS WAYS. I HAVE FREEZED MY ACCOUNT TO PREVENT FURTHER TRANS ACTIONS. I KINDLY REQUEST YOUR ASSISTANCE IN THIS MATTER AS I INVESTIGATETHE NEXT STEP TO PROTECT MY IDENITY. THANK YOU FOR YOUR ATTENTION TO THIS MATTER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: PA

Complaint narrative:
I rented an apartment at XXXX XXXXXXXX XXXX, managed by XXXX XXXX XXXX. Between XX/XX/XXXX, and XX/XX/XXXX, I documented persistent and severe nighttime noise disturbances, including loud arguments, stomping, and music, mainly occurring between XXXX a.m. and XXXX a.m. in my bedroom. Despite repeated complaints and requests for relocation, management failed to resolve the issue or allow me to break the lease. 

I vacated the apartment, returned the keys, and notified management on XX/XX/XXXX, providing emails and a move-out video as proof. 

Despite my departure, the management issued a " Pay or Vacate '' notice on XX/XX/XXXX, and later a Final Move-Out Statement on XX/XX/XXXX, demanding {$14000.00} in accelerated rent through XX/XX/XXXX. 

This alleged debt was referred to Carter-Young , Inc. for collection. 

I dispute the debt due to constructive eviction, improper billing, and failure to mitigate damages after my move-out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I requested Debt validation and recieved no response XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX HYUNDAIXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Unauthorized Credit Inquiry Dear Sir / Madam, I recently obtained a copy of my credit report. It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me. 
HYUNDAIXXXX - XXXXXXXX XXXX XXXX XXXX XXXX  - This is not mine - please remove this inaccuracy from my report! 
Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 
Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 
I have sent this letter via certified mail as it requires your prompt attention and response. Please forward any documentation that you may have in regards to the removal of this credit inquiry. 
Conversely, should you find that I am remiss and my authorization was in fact obtained for making this credit inquiry, I would appreciate any such documentation of that as well. 
Thank you for your prompt assistance. 
Sincerely, 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 2025-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I DISCOVERED MY INFORMATION WAS USED WITHOUT MY CONSENT. I STARTED RECEIVING UNUSUAL CALLS AND EMAILS ABOUT THESE ACCOUNTS THAT WERE NOT AUTHORIZED TO BE OPENED WITHOUT MY CONSENT. IT HAS BEEN USED IN VARIOUS WAYS. I HAVE FREEZED MY ACCOUNT TO PREVENT FURTHER TRANS ACTIONS. I KINDLY REQUEST YOUR ASSISTANCE IN THIS MATTER AS I INVESTIGATE THE NEXT STEP TO PROTECT MY IDENTITY. THANK YOU FOR YOUR ATTENTION TO THIS MATTER.

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 2025-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLOCATED BUSINESS MANAGEMENT LLC
State: IL

Complaint narrative:
Ive been receiving calls, several times a day on both my work and personal phones Also contacting my sister and mom. 
When she did get a hold of me shes threatening to sue me and garnish my wages I dont owe what she says I owe and this is a cival matter that can be resolved in court but who are you to tell me that you are going to garnish my wages when we have not been in front of a judge. Who the XXXX are you? 
Allocated business management in XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: SC

Complaint narrative:
I am submitting this complaint Equifax, Experian and XXXX  regarding XXXX  XXXX, based on multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ), as well as alleged unlawful collection practices following the securitization of my loan, and their failure to issue a 1099-C tax form following a charge-off. XXXX. Inaccurate Credit Reporting ( FCRA Violation ) XXXX XXXX is currently reporting inaccurate information on my credit report. Specifically, they are showing an active charge-off status with an outstanding balance, despite the account being charged off. A charge-off by definition is a written-off debt and should report a {$0.00} balance under standard credit reporting practices.

2. Securitization of Receivables According to XXXX XXXX 's SEC filings, XXXX XXXX transfers loan receivables to a trust entity for securitization purposes. Once the receivable has been assigned or sold to the trust, XXXX XXXX no longer retains the legal right to collect on that account. If XXXX XXXX has relinquished ownership of the debt, they should not be reporting it nor pursuing collection. 
3. Failure to Issue 1099-C After Charge-Off XXXX  XXXX has not issued a XXXX form for the charged-off debt, which is typically required for tax reporting purposes when a debt is canceled or forgiven. The lack of this form creates issues for my financial and tax records and may violate IRS guidelines related to debt forgiveness.

Company response to consumer: Closed with explanation