vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
XXXX an account ending in XXXX was opened online without my consent and a deposit of federal funds in XXXX was deposited and depleted and the bank let this happen stating false information that doesn't add up to the amounts thru XXXX different withdrawals not equaling the deposit XXXX and XXXX were atm withdrawals. Leaving XXXX. I never recieved a atm card do this transaction after several attempts of calling and visiting the bank branch they closed my case. I filed and filled out paper work with the treasury dept as well as spoke to them and they did say fraud was a factor but wells fargo refuses to give me my XXXX back after knowing. I've made a police report about my identity and spoke with a representative whom said that was all I needed to retrieve my funds but wells fargo is dining me and shouting me down with poor excuses because they were wrong in doing this online and not collecting proper ID and holding information

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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
IN XXXX OF 2023 ... ..IT WAS REPORTED ON 2 DIFFERNT CREDIT BUREAUS I WAS LATE WITH MY PAYMENT DUE ON AUTO LOAN WITH AXOS BANK ... ..THE 3RD REPORT WAS REPORTED XX/XX/year>2023 LATE ... ..THIS IS NOT ACCURATE ... ..I WAS REPEATEDLY TOLD IT WAS NOT THEIR FAULT THAT THE MAIL WAS SLOW AND IT WAS DUE TO NO FAULT ON THEIR PART THEY REPORTED THE PAYMENT LATE/PAST DUE ... ..THEY COULD NOT CONTROL THE MAIL ... ..ESPECIALLY DURING THE CHRISTMAS HOLIDAYS RE : THE XX/XX/year>2023 PAYMENT ... ..THEY WOULD NOT GIVE ME ANY IDEA WHEN THEY RECEIVED THE PAYMENT ... ..HOWEVER JUST 2 DAYS AFTER MAKING THIS/ANOTHER PAYMENT VIA TELEPHONE ... ..THEY INDEED PROCESSED THE MAILED PAYMENT SENT FROM MY BANK... ..I HAD TO CANCEL THE PAYMENT BECAUSE OF THIS ... ..ALL PAYMENTS FROM MY BANK WERE ON TIME WITH NO ISSUES PRIOR TO THIS XX/XX/year>2023 PAYMENT ... ..LASTLY IN XXXX OF 2023 ... ..I REQUESTED AXOS BANK TO INVESTIGATE PHONE RECORDS OF ALL THE TIMES I CONTACTED THEM IN AN EFFORT TO TRY AND NOT RECEIVE A LATE PAYMENT REPORTED TO THE BUREAUS! NEITHER WOULD THEY TELL ME WHEN THEY RECEIVED THE PAYMENT ... ..AND I SEVERAL TIME INQUIRED IN AN EFFORT TO TARGET THE ISSUE OF THEIR UNTIMELY PROCESSING OF THE PAYMENT DUE TO AN INFLUX OF OTHER LOAN PAYMENTS OR FOR ANY OTHER REASON THAN IT WAS PROBABLY DUE TO HOLIDAY MAIL ....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-21 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights.

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
ive disputed this on multiple occasions and the company doesnt provided me with any information, Due to the data breach and identity theft on with my personal information I want this to be deleted off of my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A, states I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681s-2 States Any information reported to credit reporting agencies must be accurate. If a debt is charged off, it should be reported in the correct amount owed at the time of the charge-off.

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 2025-02-22 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I am a victim of identity theft and have a current police report on file with Chex Systems. The following inquiries viewed by others currently listed and showing on my Chex Systems Consumer Report ID : XXXX is fraudulent and unauthorized inquiries : XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX, XX/XX/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 2025-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of information reported on my credit report concerning an account with the following details : Account Name : Caine & Weiner Account Number : XXXX Account Type : Collection Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account, {$640.00} past due as of XX/XX/XXXX Balance : {$640.00} Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request that the information reported is accurate and complete. The name associated with this account is incorrect and the debt does not belong to me. I've disputed this entry on my credit report unsuccessfully many times. 

I have previously contacted Caine & Weiner regarding this matter, but they have been uncooperative. As a result, I am requesting your assistance in correcting this inaccurate information. I would appreciate your prompt investigation into this matter. 

Please let me know if you require any additional information to assist with my dispute. I look forward to your response. 

Thank you for your help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash app ( Block, Inc. ) due to an adequate 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 electric fund transfer act ( EFTA ) and regulation E these actions have caused significant inconvenience and financial loss and I see appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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:
Review my credit report for inaccurate information and upon checking, Ive noticed numerous accounts thats not mine and incorrect social security activities. Ive sent all documentation over to each credit bureaus proving my identity and factual information that these accounts are not mine and should be removed. After numerous attempts working with credit bureaus and extending my own investigation with the consumers, Im still at a lost end that my social security number can be used by someone else and not be penalized. Each bureaus didnt properly investigate this manner and the refusal to remove is absurd. I sent ftc reports, ic3 reports, cfpd reports, valid social security number, copy of valid drivers license, proof of residency, etc. 
I would like for this manner be taken seriously and accounts removed. If this last chance of efforts are not fulfilled, I will take legal action against these companies. 

1. XXXX XXXXXXXX XXXX XXXX ( Auto- balance of {$12000.00} ). 
2. XXXX ( auto- balance of {$5400.00} ). 
3. XXXX bank ( credit card balance of {$2500.00} ). 
4. XXXX XXXX ( balance of {$4000.00} ). 
5. XXXXXXXX XXXX ( balance of {$4800.00} ). 
6. XXXX XXXX ( balance of {$860.00} ). 
7. XXXX XXXX XXXX XXXX ( balance of {$1400.00} ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-21 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Kimball , Tirey & St. John LLP is attempting to collect an alleged debt but has failed to provide legally required debt validation despite multiple certified mail requests. The consumer, XXXX XXXX, has formally disputed this debt three times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX via certified mail with tracking numbers, requesting proper validation under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite these documented validation requests, Kimball , Tirey & St. John LLP has failed to provide legally sufficient debt validation, continued to report the debt to credit bureaus without proper verification, and claimed to have mailed validation letters without providing verifiable proof of delivery. In response to the previous CFPB complaint ( Complaint ID : XXXX ), Kimball , Tirey & St. John LLP asserted they mailed validation documents, but no certified tracking numbers, receipts, or legally binding proof of mailing were provided. Mere mailing does not satisfy debt validation requirements under federal law. Additionally, the company irrelevantly referenced a separate dispute involving XXXX XXXX XXXX, which is not related to this case and has no bearing on their legal obligations. 

The consumer requests immediate CFPB intervention to hold Kimball , Tirey & St. John LLP accountable. The company must provide verifiable tracking numbers, certified mail receipts, and sworn affidavits for their claimed debt validation mailings. The unverified debt must be removed from credit bureaus within 15 days or penalties should be imposed. Given the companys repeated failure to comply with FDCPA and FCRA, the CFPB should impose regulatory sanctions and pursue the maximum penalties, fines, and legal actions against them, including revocation of their ability to collect debts if applicable. 

If the company fails to comply immediately, the consumer will file additional complaints with the CFPB, FTC, and California Attorney General and pursue legal action for damages due to their continued violations of federal and state laws. The CFPB must take immediate enforcement action to prevent further consumer harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 explanation