vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/XXXX, I deposited a {$7500.00} check into my personal checking account at Wells Fargo. The check was drawn from an account at another financial institution, which has maintained a balance exceeding {$7500.00} since XX/XX/XXXX. The funds were debited from that account on XX/XX/XXXX. 

On XX/XX/XXXX, Wells Fargo notified me that the check was on hold due to insufficient funds at time of inquiry and that the funds would not be available until XX/XX/XXXX. On XX/XX/XXXX, I contacted Wells Fargo to request the release of the funds, noting that this issue had occurred XXXX  before in XXXX with similar delays. They confirmed the funds were in their possession in a security account but refused to release them early, citing security reasons. I have been a Wells Fargo customer for nearly XXXX years with no negative account activity. 

The hold is causing significant inconvenience, as I may be late on a payment due XX/XX/XXXX, despite depositing the check well in advance to account for standard processing times. As a small business owner, I rely on timely access to funds, especially for transactions of this size. This repeated issue suggests a need for Wells Fargo to review its check hold policies to prevent unnecessary delays.

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 2025-04-21 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report 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 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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 resolutions process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and Regulations XXXX These actions have caused a significant inconvenience and financial loss and I seek appropriate redress for this financial matter and concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX account : ( XXXX ) is reporting inaccurate according to 15 us code 1681 and the FCRA to all 3 credit bureaus.

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 2025-04-21 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: MI

Complaint narrative:
XXXX XXXX account : ( XXXX ) is reporting inaccurate according to 15 us code 1681 and the FCRA to all 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXXOn XXXX XXXX XXXX, I sent a certified dispute letter to Experian regarding multiple inaccurate, unverifiable, or outdated accounts on my credit report. The letter was delivered and signed for (XXXX Tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX), yet as of today  XXXX XXXX XXXX  I have not received any response, update, or results of an investigation.\nUnder the Fair Credit Reporting Act (FCRA)  XXXX (15 U.S.C.  XXXXi), Experian is required by law to complete an investigation and notify the consumer of the results within XXXX days. Failure to do so is a direct violation of federal law.\nAt this point, the 3XXXXday time frame has fully expired, and Experian has waived their right to verify the information. Continuing to report the disputed accounts without verifying them within the legal timeframe is a violation of FCRA XXXXi(a)(XXXX)(A) and  XXXX(b).\nI am now requesting that the CFPB intervene to ensure Experian complies with the law and removes the disputed information immediately.'

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 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I am writing to dispute the accuracy and validity of a debt you claim I owe in the amount of {$720.00}, allegedly placed by XXXX XXXX XXXX XXXX through CREDIT COLLECTIONS. I have no knowledge of any outstanding balance with XXXX XXXX, nor have I received a valid bill, policy explanation, or breakdown of this alleged charge. I hereby request, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg, that you provide the following for debt validation : Requested Documentation : A copy of the original XXXX XXXX insurance policy that gave rise to this alleged debt, including the policy number, coverage dates, and terms of coverage. 

An itemized breakdown of the amount allegedly owed, including premiums, fees, or penalties. 

Any written notice from XXXX XXXX informing me of an unpaid balance or policy issue. 

Documentation showing that Credit Collection Services has legal authority to collect this alleged debt. 

A copy of any document bearing my signature that created or acknowledged this debt. 

Legal Concerns Regarding XXXXXXXX XXXX Conduct : If XXXXXXXX XXXX and CREDIT COLLECTIONS failed to provide prior written notice of a balance or account delinquency, they may be in violation of : Massachusetts General Laws XXXX  XXXX XXXX ( XXXX ) which governs unfair or deceptive practices in the business of insurance, including : ( XXXX ) Failing to provide a reasonable explanation for denial of a claim or for the amount of a claim. 

( b ) Failing to acknowledge and act promptly upon communications regarding claims. 

Massachusetts General Laws XXXXXXXX XXXX which prohibits unfair and deceptive acts in trade or commerce, including misrepresentation or improper assignment of alleged debts without proof or consumer notice. 

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX ( a ) which prohibits original creditors like XXXX XXXX from : Furnishing information they know or reasonably should know is inaccurate. 

Failing to notify the credit bureaus when an account is disputed. 

Continuing to report a debt without investigating a consumer 's dispute. 

If XXXX XXXX failed to provide policy documentation, notification of balance due, or justification for this claim before forwarding it to collections, they may be in violation of these statutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: IL

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAU that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section XXXXb of the FCRA CREDIT BUREAU is required by law to remove any accounts which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$18.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00}

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 2025-04-21 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: NY

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through XXXX. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. This is your final notice. You are in violation of federal law by continuing to report and verify account that were opened fraudulently and which I have already disputed with appropriate documentation.

If I do not receive confirmation within 15 calendar days that this account has been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate. 
XXXX XXXXXXXX XXXX XXXXXXXX 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 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX {$840.00} reported on credit report but no mail received so I wrote them directly to dispute but no action!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
In 2024 I despite something that I didnt do when I got my card took from me and they didnt do anything about it and they didnt give me my money back. I have XXXX kids that needed stuff and I couldnt give or buy them anything they took over {$700.00} from me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Equifax and Transunion are still refusing to update my name on the credit report. I changed my name in XXXX. I have provided all three credit bureaus with the court documents and required information. Only XXXX  made the correct update. Equifax and Transunion refuse to acknowledge receipt of my documentation, despite requests to verify my information and an official CFPB complaint. I have sent them the requested documentation from XXXX - XXXX via certified mail, regular mail, and fax. They refuse to obey the law and change my legal name. 

I also provided evidence to all three credit bureaus about XXXX fraudulent credit cards that were opened with XXXX XXXX XXXXXXXX, utilizing my credentials. The person who opened the accounts listed me as an 'authorized user ' without my consent. Thus, XXXX XXXX XXXXXXXX included my information in their credit reporting. I have already talked to a XXXX  XXXX XXXX Supervisor at the indicated phone number on the report. They removed me as the authorized user, as of XX/XX/XXXX. I do not have any accounts with XXXX  XXXX XXXX. All three credit bureaus claim they investigated and found that these accounts belong to me, which is erroneous. I have the supporting documentation. They did not follow up with the Supervisor 's contact information that I included in the dispute. 

Is anybody actually working at these credit bureaus or is it all artificial intelligence?

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 2025-04-21 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This complaint is regarding XXXX continued reporting of inaccurate information on my credit report. I initially submitted a written dispute on XX/XX/year>, and followed up with a second letter on XX/XX/year>. Despite these formal disputes, TransUnion has failed to delete or correct the inaccurate information, nor have they provided sufficient documentation verifying its accuracy. 

Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to conduct a reasonable investigation and remove any information that can not be verified. To date, this has not occurred. I am requesting the CFPBs assistance in ensuring that TransUnion complies with its legal obligations. This issue should not be marked as resolved, deleted, or closed unless a proper investigation is completed and the results including all supporting documentation are provided to me. 

I reserve the right to pursue further action if this matter is not addressed appropriately.

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 2025-04-21 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: MI

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report XXXX XXXX XXXX / XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: MI

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report 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