vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Payment was made pursuant XXXX  XXXX for XX/XX/XXXX. 
Wells Fargo is fraudulently foreclosing after stealing the payment. 
Wells Fargo kept the payment and violated XXXX by not applying the payment or discharging the payment amount per XXXX XXXX. TENDER OFPAYMENT. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect XXXX the obligation XXXX  which the tender relates. 
Wells Fargo is attempting XXXX collect after payment was received which is against the law. The veteran is in need of assistance XXXX  keep his home from being unlawfully sold. 
The Constitutions XXXX Amendment Section XXXX : nor deny XXXX any person within its jurisdiction the equal protection of the laws. 
XXXX XXXX XXXX XXXX- XXXX rights under the law XXXX - Civil action for deprivation of rights XXXX - Conspiracy XXXX interfere with civil rights XXXX - Action for neglect XXXX prevent XXXX XXXX. NEGOTIABLE INSTRUMENT. 
XXXX. UNCONDITIONAL PROMISE OR ORDER. 
XXXX. ACCORD XXXX SATISFACTION BY USE OF INSTRUMENT. 
XX/XX/XXXX, XXXX PM Hotline Contact Form https : XXXX? XXXX XXXX DEPARTMENT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PERSON ENTITLED XXXX ENFORCE INSTRUMENT. 
XXXX. TENDER OF PAYMENT. 
Maxims of law XXXX probant non probantur. - It is not necessary XXXX XXXXrove first principles : i.e., maxims A maxim is a general principle XXXX universally approved leading truth. 
XXXX XXXX cadit opus. - If the initial action is not inconformity with law, all subsequent XXXX consequential proceedings fall through for the reason that illegality strikes at the root of the entire event. - XXXX vitiates all since the beginning. XXXX started the moment Wells Fargo stole the payment. 
Ex injuria jus non oritur. - A legal right or entitlement can not arise from an unlawful act or omission. When a fact arises from an illegal or unlawful acts or omissions, it can not form the basis of law or legal rights, even if it is public or prominent. - Wells Fargo does not have the right XXXX  foreclose because they stole the payment. 
Agentes et Consentientes pari poena plectentur. - A person aiding and abetting the actual commission of a crime, either at the scene of its commission or elsewhere, is equally liable as the perpetrator. -Anyone assisting with the commission of the crime is a party XXXX  the crime. 
XXXX est celare fraudem. - He who conceals a fraud perpetrates XXXX himself.

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 2025-04-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights XXXX privacy and confidentiality under XXXX XXXX XXXX. 

The accounts below have violated my rights. 
XXXX XXXX XXXX section XXXX. XXXX I have the right XXXX privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency if the person knows or has reasonable cause XXXX believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
Logged into cashapp on XX/XX/year> and received pop up message that my account was closed and that I could appeal it, but I did not receive any other notification ( email or text that there was an issue with my account ) .I Sent message through chat to open up a case to investigate why my account was closed. A week later receive an email noting that there is nothing that can be done to reactivate my account because I violated terms of service. Requested information on what terms of service were violated and never got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I am writing to formally dispute unauthorized charges and activities on my account due to identity theft, as outlined in my complaint to the Consumer Financial Protection Bureau. Below, I provide the details of the situation, the actions I have taken, and my request I recently discovered that my personal information was used to open an account and/or make purchases without my consent. The following account XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX  were recently found as inaccuracies on my credit report. I have recently taken the necessary steps to in reporting these fraudulent accounts by filing an identity theft report, reaching out to the bureaus directly via phone call and mailed in letter, as well as providing necessary documentation to provide my accurate identification.

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 2025-04-29 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-04-29 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: AL

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. 

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  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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 believe that the information is inaccurate.

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 2025-04-29 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: LA

Complaint narrative:
I am filling this formal complaint to address discrepancies found in my credit report and to request a fair and accurate resolution. I respectfully urge the credit bureaus to verify and correct my personal identifying information, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any information that is inaccurate, outdated, or unverified should be corrected or removed promptly to ensure my credit file reflects accurate data. 

The following entries are of concern : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$720.00} XXXX XXXXXXXX XXXX Balance : {$720.00} XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX Balance : {$190.00} XXXX Reported : XX/XX/year>XXXX XXXX Reported : XX/XX/year> XXXX Reported : XX/XX/year> XXXXXXXX XXXX Reported : XX/XX/year>XXXX XXXX Reported : XX/XX/year> XXXX Reported : XX/XX/year> In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough reinvestigation of all disputed entries. If any item can not be verified with concrete and accurate documentation, I request its immediate removal to prevent it from negatively impacting my credit profile.

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 2025-04-29 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: SC

Complaint narrative:
The following account are due to identity theft and I did not authorized these companies listed to access my personal information the companies listed are in violation of my consumer rights

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 2025-04-29 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and identified several fraudulent accounts that do not belong to me. XXXX XXXX account number XXXX. These inaccurate entries are negatively impacting my creditworthiness and ability to obtain credit. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these fraudulent accounts be promptly investigated and removed from my credit report. Failure to correct this information would constitute a violation of my rights under federal law.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo incorrectly calculated the current statement balance for my account. 
If you sum up the transactions on my account, the sum of the following : XXXX The current statement balance is {$5800.00} and not {$11000.00}. It is because I made a bill payment of XXXX on XX/XX/XXXX. Wells Fargo should be subtracting XXXX from 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 2025-04-29 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : 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/year> Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-04-29 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: CA

Complaint narrative:
Multiple inaccuracies exist on credit reports from Equifax, Experian, and TransUnion. 

On an Experian report, an account opened around XX/XX/XXXX has an incorrect open date of XX/XX/XXXX ( should be XX/XX/XXXX ) and falsely shows a 60-day late payment status. 

Another Experian account, opened around XX/XX/XXXX, incorrectly lists the open date as XX/XX/XXXX ( should be XX/XX/XXXX ) and consistently reports 60-day late payments. A debt validation request for this account was sent over 60 days ago, and no response has been received. 

For an account appearing on all three reports, Equifax shows a last reported date of XX/XX/XXXX, while Experian and TransUnion show XX/XX/XXXX. 

Regarding an account on TransUnion and Experian, the open dates differ : TransUnion shows XX/XX/XXXX, and Experian shows XX/XX/XXXX. A debt validation request for this account was sent over 60 days ago, and no response has been received. 

An account reported as a Collection/Chargeoff by all three bureaus has been disputed. A debt validation request was sent over 60 days ago, and no documentation has been provided. As this is reported as a chargeoff, a 1099-C form has not been received.

Over the past four months, I have contacted the credit bureaus to dispute these inaccuracies.

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 2025-04-29 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: CA

Complaint narrative:
Multiple inaccuracies exist on credit reports from Equifax, Experian, and TransUnion. 

On an Experian report, an account opened around XX/XX/XXXX has an incorrect open date of XX/XX/XXXX ( should be XX/XX/XXXX ) and falsely shows a 60-day late payment status. 

Another Experian account, opened around XX/XX/XXXX, incorrectly lists the open date as XX/XX/XXXX ( should be XX/XX/XXXX ) and consistently reports 60-day late payments. A debt validation request for this account was sent over 60 days ago, and no response has been received. 

For an account appearing on all three reports, Equifax shows a last reported date of XX/XX/XXXX, while Experian and TransUnion show XX/XX/XXXX. 

Regarding an account on TransUnion and Experian, the open dates differ : TransUnion shows XX/XX/XXXX, and Experian shows XX/XX/XXXX. A debt validation request for this account was sent over 60 days ago, and no response has been received. 

An account reported as a Collection/Chargeoff by all three bureaus has been disputed. A debt validation request was sent over 60 days ago, and no documentation has been provided. As this is reported as a chargeoff, a 1099-C form has not been received.

Over the past four months, I have contacted the credit bureaus to dispute these inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NJ

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have not initiated any transactions with these companies and do not have an " account '' as defined by law.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have not initiated any transactions with these companies and do not have an " account '' as defined by law.

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 2025-04-29 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: NV

Complaint narrative:
I am filling this formal complaint to address discrepancies found in my credit report and to request a fair and accurate resolution. I respectfully urge the credit bureaus to verify and correct my personal identifying information, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any information that is inaccurate, outdated, or unverified should be corrected or removed promptly to ensure my credit file reflects accurate data. 

The following entries are of concern : 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/year> In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough reinvestigation of all disputed entries. If any item can not be verified with concrete and accurate documentation, I request its immediate removal to prevent it from negatively impacting my credit profile.

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