vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a promotional Wells Fargo coupon offer offering {$120.00} if I open a new checking account. I decided that is a good offer and proceeded to open up the account online. I connected my XXXX information, contacted my employer to redirect my direct deposit and plan to come to a local branch to deposit some cash Sadly, on Saturday, XX/XX/XXXX, I receive notification from Wells Fargo that they have decided to close my account because I allegedly had to many claims on a previous account in XXXX. 

I have nothing negatively reported on my XXXX, XXXX XXXX, or any other reporting agency. Wells Fargo failed to give me an opportunity for a fair banking relationship. I requested a lower risk product or account and I was denied that also I also mentioned my account can be monitored for further establishing the banking relationship. 

I also asked for a written, detailed reason why Wells Fargo made this unfair decision and was denied that. 

Perhaps, I did make some banking mistakes over five years ago, but people change to become responsible with their finances just as when inmates get released from prisons they changed their life

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 2025-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/year> I used Capital One online pre approval tool and I was pre approved for the Capital One Quicksilver consumer credit card, so I applied and the application went pending. A subsequent Capital One email requested I submit a State-issued drivers license or ID ( front and back ). I submitted my California state drivers license ( ID ), front and back, through there online portal. 

XX/XX/year> I contacted underwriting ( XXXX ), they informed me my ID was blurry and to resubmit. I resubmitted my ID. 

XX/XX/year> I contacted underwriting, they said my ID was accepted. They transferred me to there fraud department, who briefly verified my name and asked if I applied for the credit card, in which said yes. I asked why do I need to speak to the fraud department, they said, " XXXX of your credit reports has a fraud alert ( XXXX, XXXX, XXXX, or XXXX ). 

later that day, I contacted XXXX, XXXX, XXXX, and XXXX, they all said there is no fraud alert of any kind on my profiles. 

XX/XX/year> I received a Capital One denial letter stating, " Based on your application information, application submitted is incomplete or can not be verified. '' I contacted underwriting for clarification, they transferred me to the fraud department. I ask for the reason for denial and they said, " We can not disclose certain things, but there is no fraud alert on any of your credit bureaus that we checked ... ..are decision is final but you XXXX reapply. '' XX/XX/year> I contacted underwriting and spoke to a supervisor about the reason for denial and they said, " Your XXXX report shows your Social Security XXXX linked to multiple people ... ..our decision is final and you XXXX reapply. '' XX/XX/year> I contacted XXXX in which they confirmed that on XX/XX/year> Capital One Bank accessed my UNVERIFIED public record report. Additionally, XXXX informed me per the Fair Credit Reporting Act ( FCRA ) banks are not allowed to deny credit due to unverified public record report. 

It should be noted I an a verified, current, and active customer of Capital One Bank with a checking and savings account. 

Supporting documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: IL

Complaint narrative:
I am submitting this complaint regarding fraudulent and inaccurate information currently being reported on my credit report. Despite my repeated efforts to resolve this issue directly with the companies involved, I have not received any assistance or resolution.

The accounts in question were fraudulently opened without my knowledge or consent and are a result of identity theft. I have submitted proper documentation, including an identity theft affidavit and a police report, as required under 15 U.S. Code 1681c2 ( USC 605B ). 

According to this federal law, consumer reporting agencies are required to block and remove identity theft-related information from a consumers credit report within 4 business days of receiving the appropriate documentation. I have complied with every requirement of this law, yet the accounts remain on my report. 

I am now demanding that this inaccurate information be removed no later than XX/XX/XXXX, XXXXwhich is within the required four business days from my formal submission date.

I am requesting the CFPBs assistance to ensure this matter is resolved immediately, in full compliance with federal law. 

Thank you for your time and attention.

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 2025-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Received a call from XXXX from Chase who i explained Chase was inappropriately applying principle payments to future months payments. I asked that she ensures all payments after the initial payment due in any month should be applied to principle only. She then told me she would investigate and resolve the matter. She gave me her phone number and extension number and said call her if I had any questions.

After she became involved, I saw that the misapplied principle was reversed from 7 future months payments to just one future payment. I called her back to ask that no future months payments be made and inappropriate distribution be corrected and only got voice mail. I left messages and never received a call back.

I need the payment they applied to the future XX/XX/2025 payment to be reversed and applied to the principle, as well as all future payments following the payment that is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: MI

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, This Creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 states a Consumer reporting Agency furnish account without my written instructions. 15 USC 1666B A creditor can not treat a payment on Account under an open and Consumer Credit Plan as late for any purpose

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 2025-04-05 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 explanation
Consumer complaint received 2025-04-05 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: Amsher Collection Services, Inc.
State: PA

Complaint narrative:
I bought a XXXX XXXX SIM card, I tried to activate the SIM card by phone with a customer service operator, but in the process it could not be activated because the SIM card was not valid, I ordered that SIM card through XXXX XXXX, then I try to activate that SIM card myself through XXXX XXXX  prepaid, and in the final activation process, I make the payment and wait while it is activated, but the page only stays in the activation process and nothing happens, so I restart the process again, and then it tells me that the SIM card was not valid, so I left it like that, I understood that it can not be activated, after a few months I get a debt in collection from XXXX XXXX of XXXX, so I disputed the debt and explained the situation, the debt was erased and now the same debt appears in another agency and with another date. 

The profile wasn't created. They charged me for a profile that doesn't exist. I don't have any proof of information from them. I tried entering my email address on the XXXX website, but it doesn't exist in their system. It's as if I never created an account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: MI

Complaint narrative:
I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my credit report. XXXX XXXX XXXX  Account number XXXX Open date : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account number : XXXX Open date : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Account XXXX Open date : XXXX XXXX XXXX XXXX  Account XXXX Open date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX Open date : XXXX XXXX XXXXXXXXDEPT OF EDXXXX Account XXXX Open date : XXXX XXXX XXXX US DEPARTMENT OF EDU Open date : XXXX XXXX XXXX XXXX XXXX Open date : XXXX XXXX XXXXXXXX XXXX XXXX Open date : XXXX XXXX XXXXXXXX XXXX XXXX  Open date : XXXX XXXX XXXX XXXX XXXX Open date : XXXX XXXX XXXX XXXX XXXX  Open date : XXXX XXXX XXXX XXXX XXXX Open date : XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
XXXX XXXX is Responsible for Lying about false information about XXXX We put down on the car the car was XXXX plus tax the warrant came with the car me and my daughter brought Gap insured car and warrant was included with the car. they didn't have any lic to sell the car the company credit Acceptance gave us the loan. for the car through a company the didn't have License to sell the car Address 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 2025-04-05 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:
Hello my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX and i am writing this complaint because there are a couple inaccurate unauthorized accounts on my consumer report. These accounts are keeping my score down and negative and i am hindered. I have listed the accounts below. I ask to have them investigated and removed/deleted from my credit profile. Also i ask to do not place a fraud alert or freeze on my report. The XXXX major credit reporting agencies refuse to help, Transunion, Experian, Equifax have all placed me on hold for hours and hang up the phone. This is depressing as i am trying to raise my family and use my credit to do so. But i am constantly denied for apartment housing because of these negatives. Please help! 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT # CAPIT-XXXXXXXXXXXXXX DATE OPENED : XX/XX/XXXX BALANCE : {$560.00} XXXX  ACCOUNT XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$560.00}

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 explanation
Consumer complaint received 2025-04-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX and i am writing this complaint because there are a couple inaccurate unauthorized accounts on my consumer report. These accounts are keeping my score down and negative and i am hindered. I have listed the accounts below. I ask to have them investigated and removed/deleted from my credit profile. Also i ask to do not place a fraud alert or freeze on my report. The XXXX major credit reporting agencies refuse to help, Transunion, Experian, Equifax have all placed me on hold for hours and hang up the phone. This is depressing as i am trying to raise my family and use my credit to do so. But i am constantly denied for apartment housing because of these negatives. Please help! 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT # CAPIT-XXXXXXXXXXXXXX DATE OPENED : XX/XX/XXXX BALANCE : {$560.00} XXXX  ACCOUNT XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$560.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to formally dispute multiple inaccurate and fraudulent items that remain on my Equifax credit report despite submitting a valid FTC Identity Theft Report ( Report # XXXX ) and dispute documentation. These accounts were not opened by me and are the result of identity theft, which I have reported in full compliance with federal guidelines.

Despite clear and documented evidence, Equifax has verified these fraudulent accounts as accurate and continues to report damaging and inaccurate information. This is a direct and willful violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am hereby demanding immediate correction of my credit report and a full investigation.

The following FCRA sections have been violated : FCRA 1681i ( a ) ( 1 ) Failure to Reinvestigate Disputes Equifax failed to conduct a reasonable reinvestigation within the 30-day time period after receiving my identity theft documentation and dispute. This constitutes a willful violation.

FCRA 1681s-2 ( b ) Failure of Furnishers to Investigate Data furnishers continued to report information that has been clearly disputed and supported by an FTC identity theft report. They failed to verify, correct, or delete false data after receiving notice from Equifax.

FCRA 1681b Lack of Permissible Purpose My credit report shows unauthorized inquiries made without my consent. This includes multiple hard inquiries related to fraudulent accounts.

FCRA 1681c Obsolete or Inaccurate Reporting In some cases, Equifax has reported outdated and incorrect personal information, including addresses and names not associated with me.

FCRA 1681g Failure to Provide Full Disclosure Upon request, Equifax failed to provide my complete file and full details about how items were verified, violating my right to transparency.

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 2025-04-05 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: OH

Complaint narrative:
I am writing to formally dispute multiple inaccurate and fraudulent items that remain on my Equifax credit report despite submitting a valid FTC Identity Theft Report ( Report # XXXX ) and dispute documentation. These accounts were not opened by me and are the result of identity theft, which I have reported in full compliance with federal guidelines.

Despite clear and documented evidence, Equifax has verified these fraudulent accounts as accurate and continues to report damaging and inaccurate information. This is a direct and willful violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am hereby demanding immediate correction of my credit report and a full investigation.

The following FCRA sections have been violated : FCRA 1681i ( a ) ( 1 ) Failure to Reinvestigate Disputes Equifax failed to conduct a reasonable reinvestigation within the 30-day time period after receiving my identity theft documentation and dispute. This constitutes a willful violation.

FCRA 1681s-2 ( b ) Failure of Furnishers to Investigate Data furnishers continued to report information that has been clearly disputed and supported by an FTC identity theft report. They failed to verify, correct, or delete false data after receiving notice from Equifax.

FCRA 1681b Lack of Permissible Purpose My credit report shows unauthorized inquiries made without my consent. This includes multiple hard inquiries related to fraudulent accounts.

FCRA 1681c Obsolete or Inaccurate Reporting In some cases, Equifax has reported outdated and incorrect personal information, including addresses and names not associated with me.

FCRA 1681g Failure to Provide Full Disclosure Upon request, Equifax failed to provide my complete file and full details about how items were verified, violating my right to transparency.

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 2025-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App due to inadequate customer service and unfair practices that violate the Consumer Financial Protection Act. Cash App has failed to take timely and effective measures to prevent and address any fraud on their platform. This left my account vulnerable and unprotected. Cash Apps dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally complain to dispute inaccurate information that is being reported on my credit report. I have reviewed my credit report and found account items that are being reported incorrectly. I have always made my payments on time and take pride in maintaining responsible credit history. As a consumer, I am requesting that you immediately investigate this matter. I have the right to report information that is incomplete or incorrect. Thank you for your prompt attention to this matter.

attached is documentation

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 2025-04-05 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: GA

Complaint narrative:
I have contacted creditors listed in this complaint to make them aware of incident relating to someone using my personal information to obtain credit. I have also forward both creditors and credit reporting agency FTC identity theft report and police report..However, the accounts still remain listed on my credit report..Under the Fair Credit Reporting Act 605B, this is a violation of my federal rights..I have requested that this information be blocked/ deleted per receiving Ftc identity theft report..I have taking the liberty of refiling a new report, with police department in my area..I have also ask for documentation, name, phone number, etc of the person in charge of reporting these accounts under FCRA usc, 1681..I recieve no such proof of these accounts in fact belongs to me..I have been unable to obtain credit, due to this incident, which undermines the legitimacy of my credit worthiness..It is a misrepresentation of my credit report and violates

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 2025-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: MS

Complaint narrative:
I attempted a transfer from my bank-based checking account to my CashApp account via the CashApp app on XXXX. I received a notification from CashApp via the app that my bank had declined the transfer ( screenshot attached ), citing that I had exceeded the number of transfers I could make. The party who sets that transfer limit was unspecified ; however, the clear implication of that notification was that, since it was the bank had declined the transaction, it was the bank that set the transfer limit which caused the decline. As such, I called my bank to determine why the transfer was declined. After about a half hour of being transferred to different departments trying to sort out the issue, I was told definitively that CashApp, not the bank, had declined the transfer. I called CashApps customer service line and confirmed that it was indeed CashApp which had declined the transfer due to surpassing the number of transfers allowed in a 24-hour period.

The information presented by CashApp regarding the bank declining my transfer was misleading at best and, at worst, was an outright lie told in the interest of deflecting fault and responsibility to another party. That deception resulted in a needless waste of not only my time and effort, but also those of my financial institution. My time and that of my bank is valuable, and wasting that time in an irresponsible attempt to redirect blame is unacceptable.

Company response to consumer: Closed with explanation