vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: NY

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) .Violations of the FCRA XXXXFailure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
XXXX.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXXFailure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : XXXXConduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXXProvide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXXImmediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DEPT OF EDUCATIONXXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXXXXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$9600.00}

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 2025-02-13 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:
I discovered an unauthorized and inaccurate collection account on my credit report from Equifax associated with XXXXXXXX XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 
Despite my formal dispute and request for a thorough investigation, Equifax has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX Mortgage XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: NM

Complaint narrative:
Experian 3rd Party and dealership was not supposed to run credit. 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 2025-02-13 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:
DEBT COLLECTORS CONTACTED ME AND I CONTACTED THEM, THEY HAVE INCORRECT INFORMATION EITHER THE ACCOUNTS ARE FRAUD OR THE ACCOUNTS BELONG TO A PERSON WITH SIMILAR NAME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: KS

Complaint narrative:
On the XXXX of XXXX I made it withdraw at the XXXX XXXX  on XXXX in XXXX XXXX  for {$800.00} and then on the XXXX of XXXX I had another {$800.00} taking out of my account and so I called the bank and they said that I did do it and I know differently and so I called the police please win and check the ATM after XXXX XXXX  and they said that there was no transaction with my card at either XXXX XXXX  on the XXXX of XXXX and therefore I called them and they told me that couldn't have been cuz they I used it they see my chip with used after the investigation they told me I couldn't get my money back with you it was not me cuz they didn't do it at correct investigation cuz the XXXX XXXX police checked it out and said it was not used there at them banks that day so then before I think they took that {$800.00} out again and trying to avoid paying me back with you they really cost me a lot because I've had all everything past due now could you please just check with XXXX XXXX XXXX thank you very much My name is XXXX XXXX phone number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
This is my 3rd complaint filed about this, the most recent being in XX/XX/XXXX that disappeared from the CFPB site and again today. I dont know what the CFPB is doing- or Wells Fargo for that matter- but enough is enough. 

In XX/XX/XXXX I received correspondence from WF about a disputed claim and how they finally processed it. I went to a branch on XX/XX/XXXX and spoke with a VP banker XXXX who called the number on the letter and got XXXX, who refused to speak with him and demanded I get on the phone. 

He was rude, beyond rude, and refused to answer my questions about the letter I received. 

XXXX escalated the matter and I filed a complaint with CFPB. 

Wells Fargo has never contacted me about either. All I want to do is- and have tried to do - is resolve this overdrawn account and reopen it! WF has been unreasonable, unresponsive and just rude. 

Tonight - they called me. The rep only spoke XXXX!!! I am not a Spanish speaker. What sort of crazy is going on???

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 2025-02-13 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: 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 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: OR

Complaint narrative:
Sofi Bank sent me an email stating that they had restricted my account because I had an incoming wire and needed access to the funds. Sofi does not have a brick and mortar bank and as such limits customers to withdraw {$1000.00} per day so as soon as I started withdrawing my funds ( 2 days ) after the domestic wire cleared my account the email was sent. I immediately contacted Sofi banks customer support number and got a lame excuse about their back office will contact me in a day or two I said " If I do not get a call back by the end of business today '' I will be filing a lawsuit in the XXXXXXXX XXXXXXXX minutes after the conclusion of that call I get a call from there " Member Security Team '' the lady helping me asked if I had made the atm withdraws I said yes then in a move I've never heard of she asked me who sent me the wire I told her it was a friend who owed me some money and then she proceeded to ask me for their phone number so she could confirm this person sent the wire ... I don't even think that is legal but I furnished the information to her. I really think SOFI is over reaching and I find it unbelievable that on suspicion they can restrict an account owner from accessing their funds. This seems completely wrong on multiple levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In XX/XX/year> my Chase Bank XXXX XXXX card account showed several awards to be redeemed for XXXX XXXX XXXX XXXXXXXX XXXX ) rewards. This was a new award program due to XXXX 's partnership with the airline. 

In the past, the only " Awards '' that I have ever received have been, for example, a free night or club lounge reward. These awards have always been a free perk due to my account activities. In the case of this XXXX XXXX XXXX, when I clicked on redeem award, credit card points were immediately deducted. In essence I purchased the " Award ''. 

I was unaware this award would result in XXXX points being deducted. I called and asked that the redemption be reversed, but was told this could not be reversed once selected. To frustrate me even more, the award did not show in my XXXX XXXX account for over 3 weeks and I have so far been unable to use the award with XXXX for an upcoming flight ( I am awaiting a response from XXXX XXXX ). 

I believe the " award '' was misleading and would like the points restored to my account. 
( XXXX rewards account # XXXX ) Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DEPT OF EDUCATIONXXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXXXXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$9600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DEPT OF EDUCATIONXXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXXXXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$9600.00}

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 non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
In XXXX, the XXXX  courts recorded a judgment against me for unpaid student loans by XXXX XXXX XXXX XXXX XXXX. I received no notice of the default judgment. Now, in XXXX, they have initiated wage garnishment, which I only discovered when my employer provided me with a copy of the garnishment order. This 25 % wage garnishment is forcing me into bankruptcy, as it renders me unable to cover my other debts and living expenses. 

According to XXXX  XXXX, XXXX. XXXX, a judgment becomes time-barred after six years unless the creditor takes steps to renew it. After reviewing the court records, I found no official record indicating that the judgment was renewed. Therefore, not only was I not properly notified by XXXX XXXX XXXX XXXX XXXX  but they appear to have taken illegal enforcement action based on a judgment that should be time-barred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: NY

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/year> I sent {$660.00} to the wrong person on CashApp that was intended to be sent to my XXXX XXXX XXXX XXXX. I immediately requested a refund and contacted support to notify them of the issue. CashApp support team told me it was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: KS

Complaint narrative:
I am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I noticed errors in certain accounts, as they should not have any late payment records. Please look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: AR

Complaint narrative:
I have submitted several requests for my report to be updated they have a block on my account that I have called several times to have removed and they continue to put it back. In addition they wont actually contact they company directly to update my credit report the creditor ( NFCU ) keeps saying they are sending them updates. Attached is a statement I have sent them a statement XXXX for past 2 months and they refuse to do a thorough investigation to correct my report. This is hurting my ability to obtain to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I'm making 2 correlated complaints here about Citibank account : 1. Interest rate issue. I opened a Citibank saving account XX/XX/XXXX and gained the 3 month 5 % promotional interest rate. I have been meeting the criteria since then, however, my interest rate dropped to 0.06 % some time in XX/XX/XXXX even within the 3 month promotional period. 

2. Very incompetent and rude customer service agent who wasn't helpful but harrass customers. I called the customer service XX/XX/XXXX XXXX XXXX and waited for a few minutes to get a lady on the phone. She asked me XXXX and I provided it. She later on asked me my security question I set up, and I explained that she needed to provide me my question and I answer it, similar to how we retrieve our password. She had my security question but refused to read it for me so that I can answer it. I also tried to ask her to teach me how to find the security questions on my banking portal or change to another verification method ( Citibank offer multiple verification method even in their automated phone ). She refused all of this without any reason, but just kept let me tell her my secuirty question. Eventually she said " I already told you to tell me your security questions but you can't provide, bye '' and hung up the phone. I CAN't believe this is happening when someone ask other people to remember a SECURITY QUESTION itself from nowhere, and the agent BLAMING customers even though they are WRONG. I had to call back and waited for another XXXX minutes, and the person picked up the phone was completely on mute and eventually hung up the phone.

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 2025-02-13 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: MD

Complaint narrative:
These accounts were not authorized or initiated by me, and it is unjust for me to be responsible for them. I implore you to promptly correct this error.

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