vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had a loan with Wells Fargo for my home beginning in XXXX. In XXXX my late husband passed away, while I was trying to keep the house and find options ( because the paperwork we originally filled out which was to have the mortgage paid off if one or both of us passed suddenly disappeared ). Well Fargo was not much help at all and I ended up loosing the home via foreclosure. I believe that this falls under a settlement that is currently going on and the bank has not reached out. Needless to say I will NEVER use Wells Fargo for anything ever again, but this put my two children and myself out of a home and me having to plan a funeral to shortly after find a new home that I had to rent. Ever since then I have spent way more money on renting versus paying a mortgage.

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 2025-03-12 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: CA

Complaint narrative:
Hello, upon reviewing my Consumer Reports, I noticed discrepancies showing late payments on an account for which I have always made prompt payments. It is vital that Consumer Reporting Agencies ensure the accuracy of the information they report. I have never missed a payment for the following accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX Total ) I respectfully request a detailed review of these discrepancies and ask that you provide documentation, such as account statements, to substantiate the claim of late payments. If no such proof is available, I expect the records to be promptly corrected to reflect my consistent history of on-time payments. 

Thank you for your help regarding this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-03-12 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 credit card account opened aXXXX XXXX XXXX XXXX XXXX XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XXXX XXXX balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX 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 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 2025-03-12 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute Regarding Negligent Violation of Fair Credit Reporting Act ( 15 U.S. Code 1681o ) Dear Equifax, I am writing to formally dispute the accuracy of the information reported on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I believe that your agency has acted negligently in failing to comply with the FCRAs requirements, which has resulted in harm to my credit standing and financial well-being. 

The following inaccuracies and negligent actions have been identified : XXXX. Hard inquiries are 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 XXXXXX/XX/XXXX. This information is incorrect and should have been investigated and corrected in a timely manner. 
2. Failure to Conduct a Reasonable Investigation Despite my previous requests for verification and correction, your agency has failed to perform a reasonable investigation into the matter as required by 15 U.S. Code 1681i.

3. Failure to Maintain Accurate Information Your agency has reported inaccurate or incomplete information, which reflects a failure to exercise reasonable care as outlined in the FCRA. 

As a result of your negligence, I have suffered the following damages : Such as a decrease in credit Denial of credit Higher interest rates Emotional distress Under 15 U.S. Code 1681o, you are liable for the negligent failure to comply with the FCRA, and I am entitled to recover actual damages sustained as a result of your non-compliance, including reasonable attorneys fees.

To resolve this matter, I am requesting the following : 1. The immediate removal or correction of the inaccurate information.

2. Written confirmation that the correction has been made and that my credit report reflects the accurate information.

3. Compensation for the damages incurred as a direct result of your negligence. 

Please consider this letter as a formal notice of my intent to pursue further legal action if the matter is not resolved within 30 days from the date of this letter. 

Please respond to this dispute at your earliest convenience. You may contact me at ( XXXX ) XXXX or XXXX if you require additional information. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Equifax Credit Bureau regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX ( XXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax Credit Bureau has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: OH

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I wanted to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious worries for me about the safety of my sensitive data. Because of this breach, there are now fraudulent accounts and debts under my name. Id really appreciate it if you could take this into account when looking at my credit report and help fix any errors or fraudulent activities.

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 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
I received this letter to validate a fraudulent debt. 
Ive never done business with either of these companies who are trying to extort me. 
I demand a copy of the purchase agreement of this debt to validate this debt. I also demand a signed copy with my signature where I owe you from purchasing from you and lastly I demand a copy of the chain of Custody of this fictitious debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Scammer called me under XXXX XXXX official phone number ( XXXX ) to verify if I was doing a wire transfer, then said there seems to be fraudulent activity since a personal loan was approved in my name and XXXX got deposited into my checking account, they asked me to verify my birthday and SSN and sent me security codes to my phone number, and used that to hack and disable my online banking. 
XXXX was transferred from my savings to checkings and they said I had to pay the loan back to the original vendor via cashapp/XXXX XXXX in increments. XXXX  of the XXXX was sent via cashapp and I have since disputed that transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: FL

Complaint narrative:
Ref # : XXXX | XXXX Peace & Love To All Who Read This! I applied for XXXX credit cards and got denied for all of them. There were XXXX personal credit cards and XXXX business credit cards. However, I only received correspondence for the XXXX personal cards. I called in to the number provided to address the denial and violation of rights, however the agent was unhelpful and didn't care about the laws. I do not accept your offer of declination. I have provided you with XXXX applications in which you are able to sell and make a profit. Therefore, I am owed value and consideration for those applications. You can return all applications back to me with the money that you have received for those applications or provide the open ended credit cards that I applied for. Being that those applications were transferred electronicially via the electronic funds act, I doubt you'd be able to or want to return those applications to me. That leaves the option of giving me the credit cards that I applied for with unlimited credit. 

It is unlawful to deny anyone credit according to 15 USC 1691 A, " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction '' I have a right to my credit and you do not have permission to use it without provide value or consideration. Withholding my credit and access to my securities is securities fraud and discrimination. You're violating the Equal Credit Opportunity Act and the Consumer Credit Protection Act. Section 16 part 1 of the Federal Reserve Act states that only the Board of Governors can make a decision on whether Im denied. According to your prospectus and 10k documents, I know that you've turned the application into a security in which you're now selling and making money until it matures. Once approved for the card, I know that youll also be selling that account as well as one of your receivables. A FICO is also not an accurate measurement of ones credit worthiness and doesn't determine whether someone has access to their personal credit or not. 

Deceptive practices and unjust enrichment will not be tolerated. Discrimination will definitely not be tolerated.

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 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NV

Complaint narrative:
I am writing to you with a heavy XXXX, deeply hurt and frustrated by a devastating situation with my Robinhood investment account. Sometime around XX/XX/year>, I discovered that my account had been hacked. Someone I didnt authorize gained access and placed unauthorized trades, leaving me with a painful loss of $ XXXX that I worked so hard to save. This betrayal of my trust has left me feeling vulnerable and betrayed, especially since I relied on Robinhood to keep my investments secure. 
I immediately reached out for help, and Robinhood reviewed my case under Case ID : XXXX. A support team member named XXXX responded, but their message broke my XXXX even more. They concluded that my account wasnt compromised and that no unauthorized activity occurred, which feels so unfair and dismissive of my pain. They even suggested that I must have shared my account, implying its my fault, but I swear I never did. Ive always managed my account alone, as their policy requires, and I have evidence of the unauthorized trades that I hoped would prove my innocence. 
Feeling desperate, I tried reaching out again, only to be told on XX/XX/XXXX by the Robinhood Support Team that my case was closed, with a cold suggestion to start over through their Contact Us page. Its been an exhausting and emotional ordeal, and I feel abandoned by a company I trusted with my financial future. This loss of {$2100.00} isnt just a number to meits a significant blow that has shaken my confidence and caused me real distress. 
Im turning to the CFPB with tears in my eyes, hoping for justice. I believe Robinhood failed to protect my account and didnt take my concerns seriously, leaving me to bear the burden of their security lapse. Im pleading for your help to investigate this breach, hold Robinhood accountable, and seek reimbursement for the {$2100.00} I lost due to these unauthorized trades. Please, I need your support to make this right and restore my peace of mind.

Company response to consumer: Closed with explanation