vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was at the ATM BANK OF AMERICA XXXX XXXX  ON XXXX XXXX AND THE ATM DID NOT DISPENSE THE CORRECT AMOUNT OF MONEY THE XXXX I REQUESTED WERENT DISPENSES HOWEVER THEY STILL TOOK THE MONEY OUT OF MY ACCOUNT WITHOUT DISPENSING THE CORRECT AMOUNT OF MONEY I REQUESTED XXXX they gave me XXXX and the second transaction I requested {$40.00} they dispensed 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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/year> Subject : Letter of Concern Regarding Unauthorized Derogatory Marks on Consumer Report I am writing to express my concern regarding several derogatory marks that have appeared on my consumer report, which I did not authorize. Despite my attempts to resolve this issue by reaching out personally to Lobel Financial, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , I have not received any response from these entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: CT

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate information on my credit file reporting it as late 90 days. 
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. Account name : XXXX XXXX XXXX, XXXX # : XXXX, Has violated my rights. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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 non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Started receiving Wells Fargo remediation XXXX XXXX filed complaints for unfair remediation checks and was told by Wells Fargo I would need documentation from XXXX  to get additional compensation and was given {$500.00} customer appreciation checks for 3 accounts and I should have received at least {$500.00} appreciation checks for each year I did not have remediation compensation and was unfairly denied requested compensation for Identity theft product I did not authorized.

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 2025-02-24 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: CO

Complaint narrative:
In XX/XX/year>, the XXXX website engine had an advertisement in bright green bold lettering Cash App lawsuit settlement file a claim, so I did, wanting a claim # in the sent email ; we'll I don't have those anymore if at all one was sent. Submitted claim form w/ all required information ( personal information, email, etc.. ), including support documents that were addressed at a previous time, which was unresolved ( was to contact police, really? ), had fraudulent transactions, account closures & tried to contact w/ never resolutions. I was not contacted by any administrators from the Cash app lawsuit. Reaching on my own, I learned the names of 4 lawyers on my behalf in my region, contacted 3 of them, and 2 replies stating that my name was on the recipient list and the other gave me the email of the processor. I emailed him, and he sent a form & which I filled out & returned promptly. Am still waiting on some type of news.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-24 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in y credit report. Despite my submissions Equifax consistently responds within 24 hrs that the account is accurate without providing any evidence of a thorough investigation .This practice violates the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Social Security Admin - I paid them in time not sure why this is on my Credit report XXXXXXXX XXXX XXXX XXXX XXXX  XXXX I paid off loan 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 2025-02-24 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: OH

Complaint narrative:
I just checked my credit report and was shocked to see inquiries I dont recognize. I truly believe Ive been a victim of fraud, and this has been incredibly stressful. Its not just frustratingits preventing me from accessing the credit I need, making things even more difficult for me. 

I feel helpless and overwhelmed, and I dont know what else to do. Please, Im asking for your help in removing these fraudulent inquiries. Any support you can provide would mean so much to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-24 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: OH

Complaint narrative:
I just checked my credit report and was shocked to see inquiries I dont recognize. I truly believe Ive been a victim of fraud, and this has been incredibly stressful. Its not just frustratingits preventing me from accessing the credit I need, making things even more difficult for me. 

I feel helpless and overwhelmed, and I dont know what else to do. Please, Im asking for your help in removing these fraudulent inquiries. Any support you can provide would mean so much to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-24 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:
XXXX : Dispute of Inaccurate Credit Reporting under FCRA and XXXX XXXX I am writing to formally dispute inaccurate and incomplete information that XXXX XXXX and XXXX Bank XXXX Delaware have reported to the credit bureaus regarding my account ( XXXX ). This dispute is made pursuant to the Fair Credit Reporting Upon reviewing my credit report, I have found that both entities have reported inaccurate information that is negatively impacting my creditworthiness. Specifically : XXXX. ** [ Describe the specific inaccurate information, such as account balances, payment history, unauthorized accounts, or fraudulent charges. ] ** XXXX. ** [ Include details regarding how the reporting violates FCRA or USC codes. ] ** # # # Violations of the Fair Credit Reporting Act ( FCRA ) Pursuant to XXXX15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) **, furnishers of credit information are required to report only accurate and complete information. The inaccurate reporting of my account violates this section. 

Additionally, under **15 U.S.C. 1681i ( a ) ( 1 ) ( A ) **, the credit reporting agencies and data furnishers have a legal obligation to investigate and correct any disputed information within XXXX  days of receiving notice. If this inaccurate information is not corrected or removed, you may be in violation of federal law.

# # # Violations of U.S. Code ( USC ) Regulations - **15 U.S.C. 1666 ( Billing Error Resolution ) ** : If the dispute concerns billing errors, this section requires timely investigation and resolution.

- **15 U.S.C. 45 ( Unfair or Deceptive Acts and Practices under the FTC Act ) ** : If the inaccurate reporting is intentional or misleading, it may constitute an unfair or deceptive business practice.

# # # Requested Action To resolve this matter, I am requesting that XXXX XXXX and XXXX Bank XXXX Delaware immediately : XXXX. **Conduct a proper investigation into the disputed information. ** XXXX. **Provide documentation verifying the accuracy of the information reported. ** XXXX. **Correct or delete the inaccurate information from my credit report. ** XXXX. **Provide a written response confirming the resolution of this dispute within the timeframe mandated by law. ** Failure to comply with these legal obligations may result in legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible civil litigation for damages. 

Please consider this letter a formal request for correction and an official notice of dispute. I expect a written response within XXXX  days, per XXXX15 U.S.C. 1681i ( a ) ( 1 ) ( A ) **. 
Social security 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 2025-02-24 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: CA

Complaint narrative:
I am reaching out to formally dispute the incorrect information on my credit report. After thoroughly reviewing my report, I have identified multiple inaccuracies that need to be addressed immediately. The information being reported is not only wrong but could potentially harm my creditworthiness and financial future. I am deeply concerned about the presence of these errors and expect swift action to rectify them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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 am formally disputing the following negative items on my Experian credit report, as I strongly believe they are the result of a data breach. These inaccuracies are unfairly impacting my credit profile, and I am demanding immediate action. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is legally required to conduct a thorough and legitimate investigation into these disputed items. If any inaccuracy is found, Experian must ensure that the incorrect information is removed or blocked from my credit report. A simple acknowledgment of my dispute is not sufficientI expect a comprehensive breakdown of the investigation process, including what steps were taken, what sources were contacted, and what documentation was reviewed. 

I will not accept vague responses or automated verifications. I demand full transparency and adherence to federal law. If Experian fails to comply with its legal obligations under the FCRA, I will have no choice but to escalate this matter further. I expect a timely and complete resolution.

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 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: WY

Complaint narrative:
The XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, apparently closed my account without my knowledge or consent. She made no attempt to contact me by phone or e-mail at any time. Then she mailed a cashiers check to the wrong address. My funds are gone. She has not returned XXXX voicemails I left for her. Her phone : XXXX. Her e-mail : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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 received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 non-monetary relief
Consumer complaint received 2025-02-24 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
First part to put on the CFPB Consumer Name : XXXX XXXX Consumer Social Security XXXX Consumer Date of Birth : XX/XX/XXXX. XXXX. Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX, XXXX and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX : Collection account at XXXX XX/XX/XXXX, opened on XX/XX/XXXX under account number XXXX with a balance of {$340.00}, Collection account at LVNV Funding llc, opened on XX/XX/XXXX under account number XXXX with a balance of {$620.00}, Collection account at LVNV Funds, opened on XX/XX/XXXX under account number XXXX with a balance of {$690.00}. 
XXXX : Collection account at XXXX XXXX, opened on XX/XX/XXXX under account number XXXX with a balance of {$620.00}, Collection account at XXXX, opened on XX/XX/XXXX under account number XXXX with a balance of {$1200.00}. 
XXXX : Collection account at, LVNV Funding LLC opened on XX/XX/XXXX under account number XXXX with a balance of {$620.00}, Collection account at, XXXX XX/XX/XXXXopened on XX/XX/XXXX under account number XXXX with a balance of {$340.00}. 
Inquiries : XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in hard inquiries fraudulent collections appearing on my consumer XXXX credit report. Attached is a copy of the consumer XX/XX/XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and ineesitofCentythetand fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: CORELOGIC INC
State: CA

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Since the year of XXXX, my personal name, date of birth, addresses, phone numbers, and email have been leaked in multiple data breaches. Some companies include XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX. Someone has continued to use my information to try to open up accounts in my name. I received my consumer report earlier this month and discovered some inaccuracies, unauthorized accounts, and inquiries reported to my consumer report. I know the recent findings by the Consumer Financial Protection Bureau ( CFPB ), highlight that XXXX has engaged in improper practices when handling consumer disputes. Specifically, the CFPB has alleged the following : 1. Failure to Properly Investigate Disputes : Conducting sham investigations that fail to adequately address consumer concerns, including using faulty intake procedures and failing to notify consumers about investigation results. 2. Reinsertion of Inaccurate Information : Allowing deleted inaccuracies to be reinserted on credit reports due to a lack of proper matching tools and safeguards. 3. Violation of the Fair Credit Reporting Act ( FCRA ) : Failing to adhere to federal requirements regarding dispute resolution and accuracy in consumer reports. As per these allegations, I am concerned that the inaccuracies on my credit file may have resulted from such practices. The disputed information includes showing proof that my personal information has been leaked and used for another persons gain, without my knowledge. 

Accounts : XXXXXXXX XXXX XXXXk Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also , I only have one address that I reside at currently and the only place safe for me to receive mail please update the address to this address only : XXXX XXXX XXXX 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