vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Dear CFPB, I am writing to formally dispute the inaccuracies associated with my credit report as outlined under Section 605B of the Fair Credit Reporting Act. I am appalled by the negligence displayed in reporting my credit information, which has resulted in significant damage to my creditworthiness.

Upon reviewing my credit report, I discovered PORTFOLIO RECOVERY XXXX. This information is not only erroneous but also misleading, and I demand an immediate investigation into this matter. 

According to Section 605B, I have the right to dispute any information that I believe is incomplete or inaccurate. I expect a thorough investigation to be conducted, and for the inaccurate information to be corrected or removed promptly. Furthermore, I require written confirmation of the actions taken regarding this dispute within 30 days of receiving this letter. 

I am particularly frustrated by the lack of due diligence exercised in maintaining accurate records. This oversight is unacceptable, and I will pursue all legal avenues available to ensure that my rights are protected. If I do not receive a satisfactory resolution, I will not hesitate to escalate this matter to the appropriate regulatory agencies. 

Please consider this letter a formal notification of my dispute. I expect immediate action on your part to rectify this situation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
This letter is a formal demand to dispute and remove the following inaccurate and unverifiable accounts from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am holding you accountable for your failure to meet the required standards for accuracy and proper investigation.

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 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP
State: OH

Complaint narrative:
XXXX believe closer to XXXX  as near the holidays Key Bank XXXX XXXX  location at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX blocked my account. I had a checking and a line of credit. I paid my line of credit monthly as to not receive fees. I incurred fees after a visit at the same location to have a document notorized for a complaint. Questions were asked as to the reasons for notary needed. Typical as have had notary done prior. After personal facts disclosure on the need for notary then harassment started. I incurred fees that customer service refused to reverse after I paid account same day. Customer service became verbally abusive towards me on my line of credit references to food usage used possibly under the assumption I receive food stamps. I do not have food stamps. Not their personal condition to enforce at the business anyways. I gained the line of credit under no false pretenses and withdrew cash only. Allowed at the bank. My account was blocked after. The bank wouldn't even let me take my money out. The bank in XXXX same bank all facts above pertaining to issued me a check of the amount left after my account was settled. I visited the XXXX Police Department whom refused a written report. He did listen but that was it. XXXX I received a debt collection letter from XXXX claiming I owed {$730.00}. I wrote a letter of request for debt validation. None received. It was never placed on my report. No contact at all regarding debt many years. I knew nothing owed as after the bank initiated a closure block on my account a check was issued to me after account settled in full from Key Bank XXXX location same bank that initiated all the harassment after notary. Appears possibly the bank has fraudulent activities internally on how handled and other facts of harassment and abuse after a notary request where private facts were disclosed. XXXX a letter came in from Key Bank at XXXX XXXX XXXX XXXX Ohio XXXX. Letter signed XXXX XXXX XXXX XXXX XXXX. Letter stated statue of limitations over to sue but this year I may receive a 1099 C regarding cancelation of debt. XXXX I mailed this branch a debt validation letter certified. I received again no reply at all or validation. I also sent an email to corporate. No reply. I did receive a 1099 C of debt cancelation. I am aware I can dispute at the bank however illegal activities and mistreated took place with no replies after that a complaint is needed. Failing to prove debt validation at any point plus coming back several years later again no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: CARS Acquisition, LLC
State: NY

Complaint narrative:
To whom ever, this may concern I XXXX XXXX have never signed up for car financial or none of their services. Ive reached out to the company several times about this as they refuse to remove the account from my XXXX credit report. I let the company know Im a victim of identity theft. I was treated unfair and totally disrespected. I know ask that the account be removed within 30 days if car financial services can not provide any video footage or signed agreement from myself signing up for their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I visited a Wells Fargo branch to open a XXXX checking account that I had been receiving marketing emails promoting. There were several emails promoting this offer with subject lines like " reminder : your {$2500.00} bonus is waiting. '' The emails created a sense of urgency with an ending date of XX/XX/XXXX. 

XXXX XXXX opened the account for me at the XXXX XXXX branch. I provided him with the promotional code that I had been emailed XXXX. He checked my eligibility since he noticed that I had had the account before and received a bonus before. The terms stated that one was not eligible if they had received a bonus in the past 12 months. He concluded that since I had received the bonus on XX/XX/XXXX that I should be fine. He did call someone in the back office and they confirmed that the terms would be satisfied by opening the account more than 365 days from the date the last bonus had been received. 

We opened the account and he explained that I could bring over investments or cash and link my accounts to satisfy the XXXX XXXXXXXX requirement. As per the terms, I brought over the money within 45 days and held the funds beyond 90 days. 

When I did not receive the bonus within the specified time frame, I reached out to the bank. I called and the service person escalated my case to the executive office. XXXX there handled my case and explained that the executive office was claiming they would not pay the bonus since I had received a bonus previously. I let him know that I was advised otherwise by the XXXX XXXX who had opened the account. He explained that since I received the bonus in XX/XX/XXXX I could not be eligible. I was outside of 365 days or 12 months so the banker, the person the banker had spoken to in the back office and I all felt that I was within the terms. I also had received many marketing emails for this promotion. 

The terms stated : You are not eligible for this offer if : You have received a Wells Fargo XXXX Checking bonus within the past 12 months. 
You are a Wells Fargo employee. 

I will attach the marketing emails that I received as well as the link to the promotion. This feels very deceptive since I brought over a large amount of money. If at any time the bank felt that I would not be eligible for this promotion after opening the account and attaching the promotion, they certainly could have gotten in touch with me before I moved this much money and met the terms. 

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 monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I initially filed a CFPB complaint against XXXX XXXX XXXX in XX/XX/XXXX and as a result of their inability and non-willingness to resolve the issues presented, I had to file a federal lawsuit case number XXXX against both XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX for alleged breach of contract and alleged RESPA violations on XX/XX/XXXX and because they still never resolved the issues, I filed another CFPB complaint on XXXX as the issues at hand as they relate to inaccurate credit reporting and wrongfully holding insurance proceeds were still not addressed. On XX/XX/XXXX I received an email response from XXXX XXXX at XXXX XXXX XXXX stating that they had placed a credit suppression on my account ( I was also actively attempting to negotiate a settlement with them as well at that time ). However, the credit inaccuracies have still yet to be addressed and XXXX XXXX XXXX and XXXXXXXX XXXX XXXX have resumed reporting negatively to the credit bureaus and have yet to address all of the inaccuracies. As of XXXX I still see the following discrepancies : In XXXX and XXXX of XXXX, XXXX shows me as 60 days delinquent while Experian shows me as XXXX. 

Experian is the only company reporting me as 60 days delinquent in XX/XX/XXXX although XXXX and XXXX show me as current. 

You'll also find attached several discrepancies in the payment history information being reported across XXXX credit reporting agencies by XXXX and XXXXXXXX XXXX XXXXXXXX  XXXX  and more discrepancies starting in XX/XX/XXXX across 3 credit reporting agencies. 

Having to file the lawsuit and multiple cfpb complaints is just showing a glimpse of some of the additional and undue stress that I am having to endure. I've advised XXXX and XXXX on several occassions this undue stress is negatively impacting my personal, business life, family life, credit worthiness and financial stability yet they continue to operate in bad faith. 

I want the credit suppressed like they agreed upon while my loan is still under review and for the credit inaccuracies to be corrected accordingly. We currently have an active federal case with a hearing for preliminary injunction set on the XXXX of 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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc.
State: AL

Complaint narrative:
I initially filed a CFPB complaint against XXXX XXXX XXXX in XX/XX/XXXX and as a result of their inability and non-willingness to resolve the issues presented, I had to file a federal lawsuit case number 2:24-cv-00634-ACA against both Reliance First Capital and Dovenmuehle Mortgage Inc for alleged breach of contract and alleged RESPA violations on XX/XX/XXXX and because they still never resolved the issues, I filed another CFPB complaint on XXXX as the issues at hand as they relate to inaccurate credit reporting and wrongfully holding insurance proceeds were still not addressed. On XX/XX/XXXX I received an email response from XXXX XXXX at XXXX XXXX XXXX stating that they had placed a credit suppression on my account ( I was also actively attempting to negotiate a settlement with them as well at that time ). However, the credit inaccuracies have still yet to be addressed and XXXX XXXX XXXX and Dovenmuehle Mortgage Inc have resumed reporting negatively to the credit bureaus and have yet to address all of the inaccuracies. As of XXXX I still see the following discrepancies : In XXXX and XXXX of XXXX, XXXX shows me as 60 days delinquent while XXXX shows me as 30. 

XXXX is the only company reporting me as 60 days delinquent in XX/XX/XXXX although XXXX and XXXX show me as current. 

You'll also find attached several discrepancies in the payment history information being reported across 3 credit reporting agencies by XXXX and XXXX March 2023-December 2023 and more discrepancies starting in XX/XX/XXXX across 3 credit reporting agencies. 

Having to file the lawsuit and multiple cfpb complaints is just showing a glimpse of some of the additional and undue stress that I am having to endure. I've advised XXXX and Dovenmuehle on several occassions this undue stress is negatively impacting my personal, business life, family life, credit worthiness and financial stability yet they continue to operate in bad faith. 

I want the credit suppressed like they agreed upon while my loan is still under review and for the credit inaccuracies to be corrected accordingly. We currently have an active federal case with a hearing for preliminary injunction set on the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: AL

Complaint narrative:
I initially filed a CFPB complaint against XXXX XXXX XXXX in XX/XX/XXXX and as a result of their inability and non-willingness to resolve the issues presented, I had to file a federal lawsuit case number XXXX against both XX/XX/XXXX and XXXX XX/XX/XXXX XXXX for alleged breach of contract and alleged RESPA violations on XX/XX/XXXX and because they still never resolved the issues, I filed another CFPB complaint on XXXX as the issues at hand as they relate to inaccurate credit reporting and wrongfully holding insurance proceeds were still not addressed. On XX/XX/XXXX I received an email response from XXXX XXXX at XXXX XXXX XXXX stating that they had placed a credit suppression on my account ( I was also actively attempting to negotiate a settlement with them as well at that time ). However, the credit inaccuracies have still yet to be addressed and XXXX XXXX XXXX and XXXXXX/XX/XXXXXXXX have resumed reporting negatively to the credit bureaus and have yet to address all of the inaccuracies. As of XXXX I still see the following discrepancies : In XXXX and XXXX of XXXX, XXXX shows me as 60 days delinquent while XXXX shows me as 30. 

XXXX is the only company reporting me as 60 days delinquent in XX/XX/XXXX although XXXX and XXXX show me as current. 

You'll also find attached several discrepancies in the payment history information being reported across 3 credit reporting agencies by XXXX and XXXX XX/XX/XXXX XX/XX/XXXX and more discrepancies starting in XX/XX/XXXX across 3 credit reporting agencies. 

Having to file the lawsuit and multiple cfpb complaints is just showing a glimpse of some of the additional and undue stress that I am having to endure. I've advised XXXX and XXXX on several occassions this undue stress is negatively impacting my personal, business life, family life, credit worthiness and financial stability yet they continue to operate in bad faith. 

I want the credit suppressed like they agreed upon while my loan is still under review and for the credit inaccuracies to be corrected accordingly. We currently have an active federal case with a hearing for preliminary injunction set on the XXXX of 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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX SSN : XXXX XXXX : XX/XX/XXXX Experian : XXXX XXXX XXXX XXXX XXXX, GA XXXX RE XXXX Correction to my personal information Dear Experian, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address and names off my personal record. 


Incorrect name : XXXX XXXX XXXX XXXX name : XXXX XXXX XXXX Incorrect address : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, FL XXXX Incorrect address : XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, FL 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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint Cash app ( Block , Inc ) due to their inadequate customer service and unfair business practices.Which violates 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 2025-02-04 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 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 2025-02-04 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: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: OH

Complaint narrative:
Bureau of Consumer Financial Protection XXXX XXXX XXXX XXXXXX/XX/XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXOhio XXXX Subject : Experian Failing to Conduct Proper Investigations and Verifications Complaint : I am filing this complaint because Experian has failed to properly investigate and verify accounts that I have disputed as inaccurate in my credit report. Despite providing detailed information and evidence to support my disputes, Experian continues to report inaccurate information without demonstrating that the information has been thoroughly reviewed or verified as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Experian 's failure to comply with the FCRA is causing me significant harm, as these inaccuracies are negatively impacting my credit profile and financial well-being. Specifically : 1. Experian has failed to notify me of the methods used to verify the disputed accounts.

2. Experian has not provided any proof from the furnishers of the disputed information to confirm its accuracy.

3. My disputes have been dismissed without proper reinvestigation, as required by law.

I request that the Consumer Financial Protection Bureau intervene to ensure that Experian adheres to its legal obligations under the FCRA.

I demand the following actions : A proper investigation of all disputed accounts.

Written documentation of the verification method : used. Immediate correction or deletion of any unverifiable inaccurate information. Experian 's neglect of its investigative duties is unacceptable and has caused me unnecessary financial and emotional distress.

Thank you for your attention to this matter. 



Sincerely, 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