vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: MN

Complaint narrative:
I had my US bank debit card locked without contacting me about why and what happened. I called the fraud department and told them I made that purchase and it was from a reputable company and my friend has us bank and has made a purchase from that company so there shouldn't be a need for locking my card or sending a new one. US bank said they would unlock my card then another person said they couldn't and had to mail a new card and it would be here next day. I wanted my card unlocked because I need to use it and am relying on it and it didn't come in the mail today. I don't want this to happen again for any other purchases I make to lock my card without contacting me

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 2025-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I madde s complaint of wells Fargo closing my debt and reopening it adding interest to an already charged off account that was written off. The original balance isnt reflect and all payment history deleted

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 2025-03-22 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I was checking my bank account online to see if a payment had gone through when I noticed that I had several charges from XXXX XXXX on my account. The charges were pending. I called the bank and they canceled my debit card because that was what had been compromised. While I was on hold with them within 3 minutes the scammers took out over {$300.00} more. This was on XX/XX/XXXX at XXXX pm through XXXX. The first charge was {$21.00} at XXXX, XXXX at XXXX, XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX and at XXXX, XXXX, XXXX XXXX  XXXX payments of XXXX was taken out of my account. I do not have a XXXX XXXX much less an account with them. Have never had one nor do I want one. The company has done nothing because I cant get a person on the phone. The bank couldnt stop the charges because they are pending. State Employees Credit Union of NC said after the charges have been withdrawn for me to call them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: GA

Complaint narrative:
PNC made it difficult for me to make payments to my secured credit card. I made a payment from my PNC business bank account several times, and the payments were returned. 

PNC closed the account and used the secured payments to pay the account off. However, my credit report, it is showing bad debt charged off. I have called PNC which has a foreign customer service call center and they have not corrected the problem with the information on how it is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

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.

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 : 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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.

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 2025-03-22 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: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against the following creditors and collection agencies for their failure to conduct proper investigations into fraudulent accounts and unauthorized credit inquiries appearing on my credit reports. Despite multiple disputes, these entities have not provided the legally required documentation verifying these accounts. I demand immediate action to rectify these violations. 

Fraudulent Accounts : XXXX. XXXX XXXX  Account Number : XXXX Account Status : Closed Charge Off Payment Status : Past Due {$3100.00} Balance Owed : {$3100.00} Address : XXXX XXXX XXXX, XXXX, DE XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Account Status : Closed Charge Off Payment Status : Past Due {$11000.00} Balance Owed : {$11000.00} Address : XXXX XXXX XXXX, XXXX, VA XXXX XXXX. XXXX XXXX Account Number : XXXX Account Status : Closed Charge Off Payment Status : Past Due {$1500.00} Balance Owed : {$1500.00} Address : [ Not provided in available sources ] XXXX. XXXX XXXX Account Number : XXXX Account Status : Closed Charge Off Payment Status : Past Due {$1900.00} Balance Owed : {$1900.00} Address : [ Not provided in available sources ] XXXX. XXXX XXXX Account Number : XXXX Account Status : Closed Charge Off Payment Status : Past Due {$2500.00} Balance Owed : {$2500.00} Address : [ Not provided in available sources ] XXXX. XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Agency/Attorney Original Creditor : IL Department of Human Services Amount Owed : {$5400.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Type : Collection Agency/Attorney Original Creditor : XXXX  Amount Owed : {$260.00} Address : [ Not provided in available sources ] Legal Violations : 15 U.S.C. 1681e ( b ) : These entities are legally required to ensure maximum accuracy in credit reporting. Their failure to remove these fraudulent accounts violates federal law.

15 U.S.C. 1692g : They must provide verified proof of these debts, including the original signed application or contract. Their continued failure to produce this documentation proves that these accounts are fraudulent and must be removed immediately. 
15 U.S.C. 1692c : This statute restricts communication with consumers at unusual times or places known to be inconvenient. Despite notifying these entities of the fraudulent nature of the accounts, they have continued to contact me, causing undue stress and inconvenience.

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 2025-03-22 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: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against the following creditors and collection agencies for their failure to conduct proper investigations into fraudulent accounts and unauthorized credit inquiries appearing on my credit reports. Despite multiple disputes, these entities have not provided the legally required documentation verifying these accounts. I demand immediate action to rectify these violations. 

Fraudulent Accounts : XXXX. XXXX XXXX  Account Number : XXXX Account Status : Closed Charge Off Payment Status : Past Due {$3100.00} Balance Owed : {$3100.00} Address : XXXX XXXX XXXX, XXXX, DE XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Account Status : Closed Charge Off Payment Status : Past Due {$11000.00} Balance Owed : {$11000.00} Address : XXXX XXXX XXXX, XXXX, VA XXXX XXXX. XXXX XXXX Account Number : XXXX Account Status : Closed Charge Off Payment Status : Past Due {$1500.00} Balance Owed : {$1500.00} Address : [ Not provided in available sources ] XXXX. XXXX XXXX Account Number : XXXX Account Status : Closed Charge Off Payment Status : Past Due {$1900.00} Balance Owed : {$1900.00} Address : [ Not provided in available sources ] XXXX. XXXX XXXX Account Number : XXXX Account Status : Closed Charge Off Payment Status : Past Due {$2500.00} Balance Owed : {$2500.00} Address : [ Not provided in available sources ] XXXX. XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Agency/Attorney Original Creditor : IL Department of Human Services Amount Owed : {$5400.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Type : Collection Agency/Attorney Original Creditor : XXXX  Amount Owed : {$260.00} Address : [ Not provided in available sources ] Legal Violations : 15 U.S.C. 1681e ( b ) : These entities are legally required to ensure maximum accuracy in credit reporting. Their failure to remove these fraudulent accounts violates federal law.

15 U.S.C. 1692g : They must provide verified proof of these debts, including the original signed application or contract. Their continued failure to produce this documentation proves that these accounts are fraudulent and must be removed immediately. 
15 U.S.C. 1692c : This statute restricts communication with consumers at unusual times or places known to be inconvenient. Despite notifying these entities of the fraudulent nature of the accounts, they have continued to contact me, causing undue stress and inconvenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am formally disputing your decision to deny my request to block fraudulent items from my credit report under the Fair Credit Reporting Act ( FCRA ) 605B [ 15 U.S.C. 1681c-2 ]. Your determination is inconsistent with legal definitions and protections afforded under identity theft laws. 

Legal Rebuttal Definition of Identity Theft ( XXXXXXXX XXXX XXXX ) Identity theft is defined as : " The unauthorized use of anothers personal identifying information with the intent to commit fraud or other crimes. '' My case satisfies this definition as I have provided evidence that the disputed items were not authorized by me and were obtained fraudulently. 

Material Misrepresentation Claim is Unfounded You claim that my request was based on a material misrepresentation. However, under FCRA 605B, a consumer only needs to provide : A police report or an FTC Identity Theft Report A written request to block fraudulent information Since I have met these requirements, your refusal to honor my request violates the FCRA.

Your Duty to Investigate ( FCRA 611 ) Under 15 U.S.C. 1681i, if a consumer disputes information, the bureau must conduct a reasonable reinvestigation.

Your failure to properly investigate and your blanket denial without legal justification constitutes a willful violation of the FCRA under 15 U.S.C. 1681n.


Negligence and Potential Legal Liability Denying my lawful request without proper investigation could result in a legal claim against your agency for damages under FCRA 1681o.

I may also file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you fail to comply.

Requested Resolution Given the legal basis above, I demand : Immediate removal of the fraudulent items under FCRA 605B.

A written explanation detailing the specific legal grounds for your denial if you refuse to comply. 

A copy of all records, correspondence, and investigative findings related to this dispute under FCRA 609 [ 15 U.S.C. 1681g ].

Failure to act accordingly may result in legal action, including but not limited to filing a formal complaint with the CFPB, FTC, and potential civil litigation for FCRA violations.

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
To the response of lvnv they are still report to my credit and was not removed like they said in the last investigation submitted to the cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Cash App XXXX Block XXXX Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and XXXX XXXX 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 2025-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I purchased {$24000.00} gift cards with my Wells Fargo credit card because I was scammed by email at my new job. Someone posed as my boss and said I needed to buy the gift cards for employee appreciation. I work in XXXX. 

The scammers made three payments on the credit card to allow me to continue purchasing gift cards when I got close to or went over my maximum limit of {$11000.00}. I called and made the payments with the account they gave me, which I thought belonged to my boss, in the amounts as follows : Date Payments from Amount XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$10000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$9000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$5100.00} {$24000.00} Due to these payments that Wells Fargo accepted, I was able to purchase more gift cards than my maximum amount. I had a {$30.00} credit on my Wells Fargo credit card when I called and told them I was scammed. Wells Fargo refunded the payments to the bank provided by the scammers, XXXX XXXX XXXX XXXX and said I now owe the full balance. 

If they wouldn't have accepted the payment in the first place, and they knew large purchases of gift cards is typically fraudulent, they should not have allowed me to continue buying them or charge me for the full amount, knowing that I was purchasing the gift cards because I was deceived. I believe Wells Fargo has not taken responsibility for disputing a payment not connected to my account and wants me to pay the full amount as if I purchased them with full knowledge of the situation. 

I also have a XXXXXXXX XXXX  that I purchased {$2500.00} of gift cards on and XXXX  rejected my claim that it was fraudulent because I purchased the cards. My XXXX XXXX XXXX mother is out {$8000.00} and I am out {$2000.00} in cash. Total cost of the XXXX gift cards purchased is {$36000.00}. The cards were purchased by me from XX/XX/XXXX through XX/XX/XXXX. 

I can send copies of the credit cards statements when I get them saved electronically. Please provide an email or other link to send them. I can also provide the police report I filed with the XXXX Police Department in XXXX, Oklahoma. Detective XXXX XXXX regarding the case at ( 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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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.

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 : 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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.

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

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.

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 : 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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:
Equifax, Experian, and Transunion they all have incorrect Names and Address located on my credit file.

I have reached out to each of the companies to update the information and they have not made an effort to remove the incorrect information off my credit report. 

XXXX XXXXthis does not belong to me and in the divorce decree it was suppose to be removed. 

XXXX XXXX-it is reporting inaccurately XXXX XXXXthis is not reporting correctly on my account.. Validate the Debt. ( Verification is not required ) The XXXXreach out to this company and it should read paid as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: GA

Complaint narrative:
Equifax, Experian, and Transunion they all have incorrect Names and Address located on my credit file.

I have reached out to each of the companies to update the information and they have not made an effort to remove the incorrect information off my credit report. 

XXXX XXXXthis does not belong to me and in the divorce decree it was suppose to be removed. 

XXXX XXXX-it is reporting inaccurately XXXX XXXXthis is not reporting correctly on my account.. Validate the Debt. ( Verification is not required ) The XXXXreach out to this company and it should read paid as agreed

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 2025-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: CO

Complaint narrative:
I have {$18000.00} across 3 separate direct unsubsidized federal student loans pending discharge that were previously enrolled in an IDR plan with the Department of Education that had been placed on administrative forbearance while the loans were discharged. 

On XX/XX/year> I received a notice that XXXX ( XXXX XXXX Provider ) would begin processing the discharge of my direct federal student loans under the name XXXX XXXX XXXX with EdFinancial Account : XXXX due to a XXXX XXXX XXXX XXXXXXXX Servicer filing on my behalf following 100 % XXXX rating decision with the VA. Following the unlawful attempt at the dissolution of the Department of Education I was then informed by EdFinancial on XX/XX/year> that my loans are no longer in administrative forbearance for suspended payment during the discharge period but instead are resuming payments in XX/XX/year>. Additionally, I entered into an IDR agreement with EdFinancial and the Income Driven Repayment plan is no longer functioning with the Department of Education per the pending court decisions broadcast on studentaid.gov. I intend to file a CFPB complaint against the Dept of Education ( assuming its existence ), XXXX, and EdFinancial for breach of contract. 

Additionally, I am currently an XXXX 100 % XXXX veteran without the means to resume any payments or accept any additional interest on these loans with access to 100 % of my XXXX XXXX.

Company response to consumer: Closed with explanation