vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ). 

I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file. 

Please take the necessary actions to ensure that any unauthorized or fraudulent accounts, as detailed in the accompanying documentation, are blocked and removed from my records. 

Please confirm in writing that my request has been processed and that all fraudulent accounts have been blocked and deleted. If you need further information, you may reach me at the contact information provided above.

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 2025-04-24 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: NY

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 rectify these issues. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: FL

Complaint narrative:
In XX/XX/XXXX, I reviewed my credit report and noticed discrepancies regarding an account associated with XXXX XXXX XXXX, originally from the creditor XXXX. This account is reported differently across TransUnion, XXXX XXXX XXXX 
TransUnion reports the account as open with a balance of {$2400.00}, status marked as Collection/Chargeoff, and the remark Placed for Collection. 
XXXX XXXX XXXX however, show the account as closed, with the same balance, status as Chargeoff, and remarks stating that the account is seriously past due or assigned to a collection agency or attorney. XXXX also reports the account as 120 days late and shows the last payment made in XX/XX/XXXX, which conflicts with other information. 

These inconsistencies raise concern because : 1. The same account number is associated with two different names ( XXXX XXXX XXXX XXXX XXXX XXXX 
2. The dates of account opening and last activity do not match across bureaus. 
3. The account status varies between open and closed depending on the credit bureau. 

I am requesting a formal investigation and correction of this information. These discrepancies are negatively impacting my credit report and may be a result of outdated or incorrectly reported data. Please verify the accuracy of this account with the original and current reporting entities.

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 2025-04-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hello, I opened this account in the Wells Fargo branch in XXXX XXXXXXXX XXXX with a banker named XXXX XXXX, as the terms of the promotion required. The terms of the promotion, which was public, stated that following a {$25000.00} deposit which was maintained for 90 days, the customer ( me ) would receive a {$520.00} bonus. As I opened this account in the branch with the banker, I am confident that this was done properly. I also followed all of the terms of the promotion, but did not receive the {$520.00} bonus. I have attached the confirmation email from the banker that this is true. I have since contacted Wells Fargo, but they claim they have no evidence that the bonus was attached to the account, which is not true. I fully expect that they will pay out for the full as the terms stated. Thank you.

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 2025-04-24 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: OH

Complaint narrative:
b'I am formally disputing the following negative items on my credit report:  Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nThese entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.\nUnder the Fair Credit Reporting Act (FCRA), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.'

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Identity Theft Number - XXXX Consumer information : 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 TransUnion 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 personal credit card account opened at Barclays XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an credit card account opened at Comenity Capital/Famous XXXX May 126th, 2021 under the account number XXXX an collections account opened at Progressive ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

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 2025-04-24 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: TX

Complaint narrative:
Earlier today, I found some false accounts listed on my credit report, and I have no clue how they appeared. I usually check my credit without any issues, but this time there were clear errors. I tried refreshing the site thinking it could be a mistake, but nothing changed. Because of this, I kindly ask that you take a close look at the documents Ive submitted to ensure this never happens again.

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 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: MIDFIRST BANK
State: AL

Complaint narrative:
Midfirst Bank refuses to close my accounts. Originally, Midfirst closed my account errouneously. The bank then refused to issue my the remaining balance. The only way to received the remaining balance was to reopen an account. Midfirst now refuses to close the account and any other accounts which I have. I have provided all the information that has been requested, however, Midfirst is unable to verify any of the information I have. They ask for a debit card I provide it, however, they can find it. Midfirst asks for the most recent transaction amount in the account. They are unable to identify the amount. The bank staff refuse to answer my phone calls. When I call the service center they refuse to get me the help I need to close my accounts. They are now threatening to charge my account fees, and are telling me that I will be unable to close my account until the fees are charged. 

I'm also unable to create an online account to verify the state of the account in question.

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 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Dear CFBP, Im writing to you regarding a concerning issue that has recently come to my attention. On XX/XX/year>, I discovered that my identity has been compromised, and fraudulent activities have been conducted in my name. After thorough investigation and reviewing my financial records, it has become evident that these fraudulent activities are directly linked to, XXXX XXXX  XXXX XXXX. 
The unauthorized transactions include a collection charge, which were carried out without my consent or knowledge. As a result, my financial security and personal information are compromised, causing significant distress and inconvenience. 
I urge your immediate attention to this matter and request a comprehensive investigation into the fraudulent activities associated with my identity. Additionally, I kindly request that you provide me with all relevant information and documentation related to these transactions, including but not limited to account statements, transaction history, and any correspondence related to the fraudulent accounts. 
Furthermore, I expect prompt action rectify the damage caused by these unauthorized activities. This includes, but is not limited to, removing any negative remarks on my credit report, reimbursing any unauthorized charges, and implementing additional security measures to prevent similar incidents in the future. 
Please acknowledge receipt of this complaint and provide a timeline for the investigation and resolution of this matter. 
Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: TX

Complaint narrative:
I never gave this company permission to access my credit. I didnt apply for any services, authorize any checks, or initiate any business with them. This inquiry was made without my knowledge or consent, and as such, I consider it unauthorized and potentially fraudulent.

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 2025-04-24 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: Early Warning Services, LLC
State: FL

Complaint narrative:
Dear CFPB Representatives : I hereby file a formal complaint against Early Warning Services , LLC, due to its failure to comply with the investigation process for a dispute regarding negative information contained in my personnel file. 

On [ date of dispute ], I filed a direct dispute with Early Warning Services requesting a review of negative information that I believe is erroneous and damaging to my financial history. To date, I have not received any response or documentation supporting the validity of this information. 

Under the Fair Credit Reporting Act ( FCRA ), every consumer has the right to : Receive a response to their dispute within a reasonable time ( generally 30 days ). 

Access to evidence justifying the inclusion of any negative information.

Immediate deletion of any information that can not be accurately and documentedly verified.

I am requesting the CFPB 's intervention in this case so that : Early Warning Services provides all evidence or documents that justify the reported information. 

If the information can not be verified, it will be completely deleted from the file as required by law. 

I am enclosing a copy of the dispute and any related documentation with this letter. 

I appreciate your attention and prompt handling of this matter, which is seriously affecting my access to financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: AR

Complaint narrative:
Someone stole my money by using my cashapp account over a year ago and despite trying many times cashapp will not recover my funds from the thief. 

Their username on cashapp is XXXX XXXXXXXX and they have taken money from me several times. I have even had a police report filed where this person kicked my door in to my home twice. Theyve stolen hundreds and cashapp will not help. My cash tag is XXXX XXXX I have messages demanding my money back and the thief mocking me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
I reported fraud on my bank account to Chime XX/XX/year> for XXXX different charges. Today I received an email from Chime denying my fraud claim in the amount of {$1000.00}. This was absolute blatant obvious fraud and their denying my claim is absolutely illegal! I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc.
State: AZ

Complaint narrative:
Back in early XXXX I had let Crypto.com know that my XXXX had passed away and that I was XXXX XXXX XXXX and XXXX XXXX  of his estate. They made the process extremely difficult asking for more and more documentation once they got what they were asking for. The response time as well takes very very long to hear back from them. I am at a point where finally they have confirmed they have all documents needed to liquidate my fathers account and send out the funds, however they are taking exceptionally long to do this. I have advise them to expedite the process but they just keep telling me they need additional time which doesnt make sense if they have everything they need.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Global Lending Services LLC
State: GA

Complaint narrative:
On XX/XX/2025 I received a miss call from Global Lending Services LLC. 
I returned the call only to be told the XXXX my account manager called me and that she would be in tomorrow XXXX 
On XXXX/XXXXXXXX I returned the call hoping to get a fair resolution on getting my vehicle back after it was wrongly repossessed. 
I spoke with XXXX that said the dialer called me. I requested a manager. I spoke with XXXX she claim to be a manager. She begin to discuss the account and said that you receive a call about your account is a privilege. I told her that is not true and that they do not have to call their accounts for payment they can just repo the car at will. I told her that is against the law to do that especially after payments was made prior yo repo date and the XXXX is set up to make calls for them. The dialer is XXXX and that XXXX can take the payments is they were not there. They refuse to admit to wrongfully repoing my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: FL

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 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-04-24 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: Experian Information Solutions Inc.
State: LA

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

I looked at my Experian, Equifax & TransUnion credit report on XX/XX/year> 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 ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 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 2025-04-24 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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