vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Bank : XXXX XXXX XXXX Account Number XXXX Account was closed effectively Today. 
I did follow up with their XXXX XXXX XXXX advised to them regarding my financial hardship with my small business consulting services, and advised them our checking account was being used for our business revenues can not be closed as that is the checking account we used for Vendor Deposits ; We have a small lump sum funds I had been trying to withdrawal since XXXX of XXXX with Heightened Security Verification I call it Pin Numbers that can only be accessed via mail troubling when not home I was at the 2nd home in NM with a XXXX XXXX  and now required birth certificate we did not have, long processes of elective paperwork, direct deposit not an option only check by mail not until XX/XX/XXXX of XXXX ; I advised them of these issues beyond my control of these Identity Verification Processes and delays. The closing was mainly contributed to their Trickery Revenue generating games of charging unnecessary overdraft charges on checks that should of never been paid when all of my accounts were in the negative from service charges and payments paid but still these checks were paid. I had funds in there to cover monthly fees. I am in Tax Planning right now and located XXXX duplicate charge bank error and filed a dispute that I was charged twice for a software license that XXXX XXXX and Fraud Dept did not stop but I am declined for other smaller amounts because it exceeded my average dollar amount but did not stop these excessive larger alarming dollar charge. I find fault with both XXXX and XXXX. I filed a 2nd Dispute they declined the 1st Claim due to it was not on the same day which I rejected ; they should of delayed closing of my bank account due to the pending disputes. I inquired their protocol and no one knew of one. I am in tax planning and I require all years to be available to me as I am delayed in my tax planning due to family medical issues. XXXX needs to pay me for the XXXX they allowed to process, their Fraud Dept defaulted in their ability to protect my account from this 2nd Reoccurring charge. Merchant has been advised of their XXXX XXXX Practices and I will attach my email chain.

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 2025-02-06 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: CA

Complaint narrative:
My friend lived with me for a while and he used my name to open credit stuff up. I want the fraudluent accounts the he did to be taken off my credit. I also want to say that I know about the CFPB lawsuit thats going on with the credit places and I hope my dispute isnt one of the ones that they dont do correctly. If my disputes are done correctly id like to be added to the lawsuit against the credit places.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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:
My friend lived with me for a while and he used my name to open credit stuff up. I want the fraudluent accounts the he did to be taken off my credit. I also want to say that I know about the CFPB lawsuit thats going on with the credit places and I hope my dispute isnt one of the ones that they dont do correctly. If my disputes are done correctly id like to be added to the lawsuit against the credit places.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX Date : XX/XX/year> To : SageStream , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear SageStream Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX MA XXXX XXXX XXXX XXXX, XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: AZ

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 2025-02-06 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: AZ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: CT

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
I was checking my credit report and seen debt that I don't recall or have knowledge about, so I disputed the debt on XXXX, XXXX and XXXX with a few hours the accounts came back verified. Account name : Transworld Systems : Amount : {$920.00} Date : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc.
State: IL

Complaint narrative:
The company Is reporting pass due payments when I have always made onetime payments as agreed.

Latest report is that account is 60 plus days pass due when payment was just processed this pass month along with the last.

When I call no one can explain why there is negative reporting, the account is reporting open ( when I requested in writing that it was closed and that no payment has been received.

This is false reporting.

Please delete this information from my account

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 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: CA

Complaint narrative:
Received a cash app card and I didnt apply for one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am filling a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, witch 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 Fraud Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenient and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: IN

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CPFB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. This failure aligns with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I've provided, causing ongoing harm to my credit standing. I am requesting an immediate corrective action to remove or amend the dispute accounts, as Experian 's inactions violates federal law and my rights as a consumer

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 2025-02-06 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: MD

Complaint narrative:
First, on or around XXXXXXXX XXXX  XXXX was unauthorized by me to report late payments and a charge off on my credit report, negatively affecting my credit score. 

Secondly, as of XXXXXXXX XXXX I am disputing a debt from XXXX XXXX. XXXX, but they have avoided specifically responding to my requests for lawfully requested information about the alleged debt they are attempting to collect on, and they are also unauthorized by me and in violation of 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) with reporting late payments to TransUnion.

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 2025-02-06 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:
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} these accounts were open by 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 2025-02-06 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: FL

Complaint narrative:
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} these accounts were open by fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: NC

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: General Motors Financial Company, Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666 B a creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NY

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 account name : XXXX XXXX XXXX Account Number : XXXX The account name : XXXX XXXX XXXX Account Number:XXXX The account name : Portfolio recov assoc Account Number : XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A, States I have the right to privacy.

15 U.S.C 1681 SECTION 604 a SECTION 2 states a consumer reporting agency states a consumer reporting agency can not furnish without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to that

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 2025-02-06 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:
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 account name : XXXX XXXX XXXX Account Number : XXXX The account name : XXXX XXXX XXXX Account Number:XXXX The account name : Portfolio recov assoc Account Number : XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A, States I have the right to privacy.

15 U.S.C 1681 SECTION 604 a SECTION 2 states a consumer reporting agency states a consumer reporting agency can not furnish without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to that

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: NY

Complaint narrative:
Experian, XXXX, and XXXX have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, XXXX, and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, XXXX, and XXXX have neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian, XXXX, and XXXX 's inaction violates federal law and my rights as a consumer.

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 2025-02-06 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: WA

Complaint narrative:
XXXX acct # XXXX Ok so why is this account keeps on changing remarks and updating on my reports? The last time this was reported was back in XXXX  and now it magically reappears on XXXX showing its open and its delinquent? I ask for deletions not to updated.im feeling like TransUnion is trying to follow XXXX footsteps by Improperly reinserting inaccurate information on consumers reports.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX My attorney, XXXX XXXX XXXX as well as myself have contacted XXXX XXXX to get this mortgage loan description off of my credit report and list it as it legally should be as a Installment Loan.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Free Annual Credit Report and Credit Score Dear Equifax Customer Service, I hope this letter finds you well. I am writing to formally request my free annual credit report, including my credit score, as required by federal and state laws. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive one free credit report from each of the three major credit bureausExperian, XXXX, and Equifaxonce per year. This right is crucial for consumers to monitor their credit reports for accuracy and to safeguard against identity theft. Additionally, according to [ insert your states law, e.g., California Civil Code Section 1785.15 for California residents ], I am also eligible for a free credit report annually. 

To assist you in processing my request, I have provided my personal information below : - Full Name : XXXX XXXX XXXX - Social Security Number : XXXX - Date of Birth : XX/XX/XXXX - Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX I appreciate your prompt attention to this matter and look forward to receiving my credit report and score. If you require any additional information or documentation to process my request, please do not hesitate to contact me at the phone number or email address provided above Sincerely, XXXX XXXX XXXX Enclosures : - Copy of ID - Proof of address I included hard copies of my CA drivers license and utility bill & property tax statement however equifax has refused to send me my credit report & credit score

Company response to consumer: Closed with explanation