vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: WA

Complaint narrative:
For multiple times of saying this, Ive had my identity stolen and need your assistance to quickly eliminate these fraudulent entries. Please delete this particular item at your earliest convenience and make sure to update all other inaccurate information without delay.

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 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this complaint against Wells Fargo regarding the restriction of my XXXX access, which is integrated into my Wells Fargo online banking account. Over the past few months, I used XXXX to send personal payments in standard, permitted amounts ( under daily limits ) to someone I know. All transactions were legitimate and non-commercial. 

On or around XXXX/2025, I received a XXXX request for {$20000.00} from this contact who is a friend of mine. I did not initiate or accept this request, and it was canceled shortly after. Soon after, my XXXX access through Wells Fargo was restricted without notice, explanation, or due process. 

I immediately contacted Wells Fargo support, but I was told there was nothing they could do and that the restriction could not be reversed or investigated. No reason or documentation was provided. I then contacted XXXX, who also stated they could not assist since my access is through Wells Fargo. 

This has caused a disruption in my ability to use my own banks digital payment service without having done anything that violates terms of use. I am requesting a formal review of : The decision made by Wells Fargo to restrict my access to XXXX, The lack of transparency and accountability in their decision, And that my XXXX access be reinstated or that I be provided a clear justification. 

I am a Wells Fargo customer in good standing and have never been involved in fraud or misuse of any payment service. Im seeking assistance because Wells Fargo failed to offer any support or resolution through normal channels. This money request is more than likely accidental and all transactions have been personal and consensual.

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 2025-04-23 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute the presence of charge offs on my credit report as reported by your agency. According to the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report is accurate, verifiable, and timely. Upon reviewing my credit report, l have identified inaccuracies in the reporting of the charge offs, which I demand to be rectified immediately.

The FCRA, under 611 ( a ) ( 1 ), mandates that credit reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is evident that the reported charge offs do not meet this standard of accuracy, as they are either erroneous or inadequately substantiated.

Furthermore, 623 ( a ) ( 2 ) of the FCRA stipulates that credit reporting agencies must conduct a reasonable reinvestigation of disputed items, free of charge, and must promptly delete inaccurate or unverifiable information. Therefore, I request that you conduct a thorough investigation into the validity of these charge offs and provide evidence supporting their accuracy Moreover, as per 623 ( a ) ( 5 ) of the FCRA, I am entitled to receive a written explanation of the results of the investigation within 30 days of receipt of my dispute.

Additionally, if the investigation results in the modification or removal of the disputed information, I request that you provide an updated copy of my credit report reflecting these changes.

Failure to comply with the FCRA 's provisions may result in legal action against your agency for non-compliance.

Pursuant to 616 of the FCRA, individuals are entitled to seek damages for willful non-compliance, including actual damages, statutory damages, and attorney 's fees.

In light of the foregoing, I urge you to take immediate action to rectify the inaccuracies in my credit report by removing the disputed charge offs. Please provide written confirmation once the investigation has been completed and the necessary corrections have been made.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to dispute the presence of charge offs on my credit report as reported by your agency. According to the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report is accurate, verifiable, and timely. Upon reviewing my credit report, l have identified inaccuracies in the reporting of the charge offs, which I demand to be rectified immediately. 
The FCRA, under 611 ( a ) ( 1 ), mandates that credit reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is evident that the reported charge offs do not meet this standard of accuracy, as they are either erroneous or inadequately substantiated.

Furthermore, 623 ( a ) ( 2 ) of the FCRA stipulates that credit reporting agencies must conduct a reasonable reinvestigation of disputed items, free of charge, and must promptly delete inaccurate or unverifiable information. Therefore, I request that you conduct a thorough investigation into the validity of these charge offs and provide evidence supporting their accuracy Moreover, as per 623 ( a ) ( 5 ) of the FCRA, I am entitled to receive a written explanation of the results of the investigation within 30 days of receipt of my dispute.

Additionally, if the investigation results in the modification or removal of the disputed information, I request that you provide an updated copy of my credit report reflecting these changes.

Failure to comply with the FCRA 's provisions may result in legal action against your agency for non-compliance. 
Pursuant to 616 of the FCRA, individuals are entitled to seek damages for willful non-compliance, including actual damages, statutory damages, and attorney 's fees. 
In light of the foregoing, I urge you to take immediate action to rectify the inaccuracies in my credit report by removing the disputed charge offs. Please provide written confirmation once the investigation has been completed and the necessary corrections have been made. 
Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
I sent a request for Debt Validation Request letter ( Certified Mail with Return Receipt ) since it was appearing on my report as a collections out to Monterey Financial Services on XX/XX/year>XXXX  and they received it on XX/XX/year>. They did not provide a response within the 30 days according to the FDCPA 15 USC 1692g required under law. I sent another letter to for the demand for removal from my credit reports for failure to provide debt validation on XX/XX/year>XXXX  ( Certified Mail with Return Receipt ) and they received it on XX/XX/year>. Since then I still have not received anything from them nor have they removed this from my credit reports as instructed I now intend to sue and press whatever charges there are at my disposal. This has been on my credit reports for almost 2 years now and I want this removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I believe my identity was stoled either again or the same individual who caused me credit card fraud in XX/XX/XXXX did it again. 

I was in XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX and on XX/XX/XXXX I received 3 emails indicating I opened up store credit cards and made purchases for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I was able to complete an Equifax credit freeze on XX/XX/XXXX and have since then been contacting each individual company to dispute the claims and close the cards. I also filed a police report in my current city of residence and am applying for an extended 7-year fraud alert with Equifax as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I believe my identity was stoled either again or the same individual who caused me credit card fraud in XX/XX/XXXX did it again. 

I was in XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX and on XX/XX/XXXX I received 3 emails indicating I opened up store credit cards and made purchases for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I was able to complete an XXXX  credit freeze on XX/XX/XXXX and have since then been contacting each individual company to dispute the claims and close the cards. I also filed a police report in my current city of residence and am applying for an extended 7-year fraud alert with XXXX as well.

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 2025-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I have a new loan with XXXX XXXX. I want to pay it off in full ( I no longer want the car ). I have tried calling XXXX XXXX multiple times, but the IVR will not authenticate me. 

I have also sent in numerous emails over several business days asking for the payoff details and the only response I have received is asking me to call the phone number that will not authenticate me and for the " complaint '' shown as resolved/closed. 

It is clear XXXX XXXX is delaying providing me with payoff details in order to run up the interest charges for the loan which is in direct violation of Florida law which allows prepayment with no penalty. I have worked in good faith and provided all documentation the loan requested, but I can not get ahold of anyone at XXXX XXXX nor have I had any success in receiving information regarding how to pay off the loan in full despite numerous attempts.

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 2025-04-23 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:
HI PLEASE HELP ME REMOVE SOME ACCOUNTS THAT I HAVE REPORTED TO YOU. I'M A VICTIM OF XXXX XXXX AND THERES ACCOUNTS FRAUDULENTLY APPEARING ON MY CREDIT FILE I HAVE LISTED THOSE ACCOUNTS, PLEASE HELP ME REMOVE THOSE INCLUDING ALL INQUIRIES THAT ARE APPEARING ON MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CNG HOLDINGS INC
State: NC

Complaint narrative:
I received a check issued for a settlement with XXXX back in XXXX. The check was misplaced and was just found. I'm trying to have a new check issued due to the date on the check is for XXXX. I can not cash because it was found after the date. Any help you can provide would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX 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 XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXXXXXX XXXX  XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXXXXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX 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 non-monetary relief
Consumer complaint received 2025-04-23 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-04-23 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because XXXX unauthorized XXXX accounts ( Account # XXXX and XXXX ) were wrongfully reinserted into my TransUnion credit report without any written notice, even though they had been previously deleted. This reinsertion occurred when I reviewed my updated credit report on XX/XX/XXXX. These accounts were deleted in XXXX, and I have written confirmation from XXXX XXXX Bank dated XX/XX/XXXX, explicitly stating that they are not reporting these accounts to any of the XXXX major credit reporting agencies : Experian, Equifax, TransUnion, or XXXX. Despite this, TransUnion has reinserted the accounts without notifying me within XXXX business days, which is a direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) of the Fair Credit Reporting Act. Additionally, TransUnion failed to maintain reasonable procedures to prevent the reappearance of previously deleted information without proper certification of accuracy, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( C ). No other credit bureau is reporting these accounts, only TransUnion, further proving that TransUnion did not verify the accuracy of the information and is acting in negligent disregard of its duty under 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy. This pattern of behavior also constitutes willful and/or negligent noncompliance under 15 U.S.C. 1681n and 1681o. This situation has caused serious frustration and damage to my credit standing, and I am seeking full enforcement of my rights under the FCRA.

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 2025-04-23 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: IL

Complaint narrative:
On XXXX Equifax notified me that more information to identify me is needed concerning a complaint I submitted to the CFPB concerning my XXXX XXXX Dispute submitted on XXXX. I understand that the CFPB forwards all information within a complaint to the selected Bureaus already. I do not appreciate this delay tactic requesting and requiring documents of address, paystub, W2, or lease, be sent when and ID bank statement and SS card were previously submitted and forwarded with my initial complaint on XXXX. This delay tactic requesting identification proof is a set back of investigating the matter at hand which involve inaccuracies of the XXXX XXXX account on my credit report which has become highly injurious to my credit rating. Equifax has requested I mail an ID that reflects my mailing address XXXX XXXX knowing that Driver 's Licenses and State IDs are not allowed to have a XXXX XXXX XXXX Your immediate cooperation and prompt attention are greatly appreciated in handling this time sensitive matter. I have provided a copy of the document Equifax sent along with the requested items and request this investigation be expedited due to the amount of time lapsed already.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: MD

Complaint narrative:
I was robbed at gunpoint on XX/XX/2025 for my all my valuables including my brand new XXXX  XXXXXXXX XXXX  XXXX that i just received not to long ago. being as though i reported to my phone company and XXXX  that my phone was stolen, they informed me my phone would be locked so I continued to allow deposit to be made into my account for a funeral that was supposed to be held early XXXX but soon checking my account I noticed more than {$10000.00} was gone. I provided the bank with multiple police reports with information breaking down the events and providing evidence but they still refuse to give me my money back. I opened multiple a disputes, XXXX being for {$500.00} and that also being the only XXXX they gave back. Ive been a chime member for a while now and i love the bank and hate to have to complain and think about taking legal options but this is ridiculous. You have purchases that include maid services and sport bets YET i live in a 2 bed room apartment and never had a maid step foot in my house let alone place a bet for more than {$2.00}. if the proper investigation was done this problem would be solved. even when i requested the documents to see why it was denied they said it would take 10 business days to get the documents, mind you, you have to dispute the charges 60 days after the purchase for them to even consider it. i been fighting this thing since mid end of XXXX-beginning of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital one XX/XX/year> in the amount of XXXX 1 I need a full detailed list of payment history on this account.

2 I want to see the original wet signature. I agreed to on the contract for this creditor.

3 has their been any insurance claims on this debt 4 I want the chain of title/custody that you have to collect on this debt If you can not provide all of these documents, then it needs to be removed and deleted from my credit report thank you

Company response to consumer: Closed with explanation