vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Trans Union 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. The accounts are -XXXX  opened XX/XX/XXXX Amount : XXXX, XXXX XXXX XXXX opened XX/XX/XXXX Amount : XXXX, XXXX XXXX XXXX opened XX/XX/XXXX Amount : XXXX, XXXX XXXX  opened XX/XX/XXXX Amount : XXXX, XXXX opened XX/XX/XXXX Amount : XXXX, XXXX XXXX opened XX/XX/XXXX Amount XXXX {$14000.00}, XXXX XXXX opened XX/XX/XXXX Amount : XXXX, XXXX opened XX/XX/XXXX Amount : 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 2025-01-31 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: VA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
This happened on XX/XX/year>. I woke up to see that XXXX transactions ( in the amounts of ( XXXX for {$540.00} and XXXX for {$470.00} ) were fraudulently made through my Venmo to XXXX ( my XXXX account was hacked ). I reached out to Venmo that day and explained the situation, and they submitted case for refund, which was later denied. I reached back out on XX/XX/year> asking them to appeal it, which they did, and told me to respond back to the account specialist with proof that the purchases were fraudulent. I have not received any email from an account specialist that would allow me to send this evidence, and no one is helping me get a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Subject : Equifax Reinserted a Fraudulent Account After Identity Theft Report orginal complaint # XXXX Complaint Details : I am filing a complaint against Equifax for reinserting a fraudulent account that was previously removed from my credit report. The account in question belongs to XXXX XXXX ( XXXX ) and was deleted in XX/XX/2023 after I filed a valid identity theft claim through IdentityTheft.gov. 

However, this account was wrongfully reinserted on my Equifax report without : Proper written notice within XXXX business days ( FCRA violation ) Valid documentation from the furnisher proving the debt is legitimate Respecting the identity theft block required by law Since this account was previously removed, it must remain blocked unless XXXX XXXX provides certified proof that it is NOT fraudulent. Equifax and XXXX XXXX have failed to provide any such documentation. 

I demand the following actions : Equifax must immediately delete this account and confirm its removal in writing. 
XXXX XXXX must stop reporting this fraudulent account unless they provide verifiable proof. 
Both companies must comply with the FCRA, or I will seek legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-31 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate 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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-31 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
I have tried to dispute this many times. There's information that is unverifiable. Experian has not provided me with proof or documentation when I submit a dispute. They just ignore my dispute and close it quickly or they will claim I am a credit clinic. I don't even know what that is. Experian is being sued for not properly going through with disputes. Now, I am involving my attorney to assist me in this matter.

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 2025-01-31 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: CL Holdings LLC
State: NV

Complaint narrative:
I noticed several hard inquiries on all XXXX of my credit reports ( XXXX, XXXX, XXXX XXXX ). I even received several denial of credit letters in the mail for stuff I never applied for. Instant credit was even provided in more than XXXX incident. I have contacted the phone numbers listed to explain the situation to no avail. They always say, I'm sorry ma'am, there is nothing I can do. 
There are also addresses on my reports that are in states I have never lived in. Email addresses as well. My name is misspelled several times and other last names have been added as well. 
XXXX that I have never worked, etc. Inquiries are as follows : 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 Also, these collection XXXX are harassing me for alleged debt that they claim I owe them but these are fraudulent accounts. 
XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$430.00} There is an account with XXXX {$600.00} That I never opened and it says I have XXXX late payments. 
XXXX XXXX {$540.00} says I had XXXX late payment and I NEVER did. 
XXXX XXXX {$620.00} FRAUDULENT XXXXXXXX XXXX XXXX {$760.00} FRAUDULENT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am writing to formally file a complaint regarding my Wells Fargo XXXX credit card application, which I submitted on XX/XX/XXXX. Despite following all verification requests from Wells Fargo, I have encountered repeated delays, inconsistent instructions, and what appears to be unfair treatment. 

After submitting my application with all required details, I was informed that it was denied due to an inability to verify my identity. Wells Fargo requested that I fax two forms of address verification, which I did. After not receiving a response for over a week, I called again, and they then requested that I also fax a government-issued ID, which I promptly submitted.

Another week passed with no response. When I followed up, I was told that my faxed ID was too dark to be viewed, though my previously submitted documents were accepted without issue. I then went to a different UPS store to resend the fax. Again, I received no response. 

A few days later, when I called for an update, the agentwho was noticeably impatientclaimed that I still needed to resubmit two address verification documents and my ID. I explained that I had already done so multiple times, but the agent simply repeated that my documents were missing. Frustrated by the inconsistency, I requested to speak with a manager.

I was transferred to another representative, who told me that if I went to a Wells Fargo local branch and had them submit the fax on my behalf, that would resolve the issue. I followed this instruction and went to a Wells Fargo branch to submit the documents again. However, when I called today for an update, I was again told that my ID was too dark to be processed. 

At this point, it feels as though Wells Fargo is intentionally creating obstacles to deny my application. My credit history and income fully meet their requirements, yet they continue to provide vague or contradictory reasons for rejection. I believe I am being unfairly discriminated against, as there is no reasonable explanation for these repeated document requests and delays. 

I request that CFPB investigate Wells Fargos handling of my application and ensure that I receive a fair and transparent evaluation. 

Thank you for your time and assistance.

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 2025-01-31 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:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tenaglia & Hunt, PA
State: NJ

Complaint narrative:
Tenaglia and hunt debt collector XXXX my savings account for the whole amount, then continued to garnished my wages for the same amount. I contacted the court officer and they contacted adp and human resources to stop garnishment. I didn't receive any refund yet. The firm XXXX and hunt won't return my calls or emails. Case # XXXX. They levy the my saving account on XX/XX/XXXX for the whole amount then continued to garnished my wages on XX/XX/XXXX to XX/XX/XXXX. The garnishment has stopped but I didn't receive any refund back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I took out a Title Loan from TitleMax in XXXX. I've been paying the principle back as best I can since then. But because of a few late payments and the loan being re-financed every 30 days ( which I think they do to make it harder to pay back on the principle ) and because the amount is different every month. I've not been able to pay it back in a way that significantly pays the loan back or down. In some cases I've had to choose between groceries and paying on this loan ... ... which means nothing if I'm only able to pay the ridiculously high minimum amount. 

Please help me or tell me what I can do to get out from underneath this. 
They have fixed this in a way that I'll never pay it off and they know it. 
I need legal options at this point. 

Thanks XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I've tried countless times to access my credit bureau information through Experian, as well as manage a credit freeze. Any time I try to log in, either through their website or the Experian app on my phone, I'm told I experienced a " Technical Issue '' or " Registration Error ''. Subsequently, I'm directed to an automated hotline, where it is impossible to get in touch with a human being. The automated phone system directs me to the Experian Help website, which redirects me back to the unhelpful automated phone number. The only hope at all for fixing my situation, would be actually getting in touch with a human being in Experian Customer Support. Apparently putting me in touch with someone competent, and not a sucky automated system, is impossible for Experian. Meanwhile, I'm not able to receive my Experian credit report or unfreeze my credit with Experian ... which should be completely illegal but no one at Experian seems to care. I have no clue how to fix this problem but I'm hoping that by exposing Experian 's truly awful and incompetent systems, they'll be legally required to fix themselves.

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 2025-01-31 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: TN

Complaint narrative:
Identity theft due to information being exposed with data breach XXXX XXXX Ssn : XXXX Date of Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, Transunion, Experian, Equifax credit reporting agencies, 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 XXXX XXXX opened XX/XX/XXXX under the account number XXXX, XXXX XXXX  account number XXXX account opened XX/XX/XXXX, XXXX XXXX opened XX/XX/XXXX under the account number XXXX, XXXX XXXX opened XX/XX/XXXX acct 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 XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections 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 non-monetary relief