vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have beeXXXX XXXX XXXX XXXX XXXX  years and all accounts and inquiries on my credit report are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I deposited XXXXXXXX XXXX from a social security disability check into chase bank they said the check was fraudulent closed my account and will not release the funds after theyve already been paid for the check they said they will hold the check indefinitely until they can verify the check is legitimate when asked them to contact social security to verify the check they replied it isnt my problem to call them and verify that its legit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: TX

Complaint narrative:
MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLANIT ON THE BEHALF OF MYSELF, THERE IS NO OTHER COMPANYDISPUTING ON MY BEHALF. PLEASE DO NOT SEND ME AN AUTOMATED RESPOSNSE! ALL DOCUMENTS WILL BE INCLUDED FOR THIS DISPUTE I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : XXXX XXXX XXXX XXXXXXXX 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 Please promptly remove this data within XXXX business days pursuant to 15 USC 1681-C-2to avoid any further legal proceedings. Things you for your timely compliance!

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Im expressing my concern regarding to Zelle handling disputes improperly. Seeing the CFPB lawsuit realizing that my bank and Zelle. Failed to look deeper when I reported problems I was unable to get money back, basically telling me that the transactions wasnt trackable. CFPB indicated that Zelle have failed to protect they consumers and allowed repeated offenders to get access to they systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I contact the credit report Experian on several occasions regarding things on my report that wasnt mines and car loan with a car I no longer have.Everything is over eight to XXXX XXXX XXXX but every time I look on my report its new dates like they keep refreshing the dates.I dispute this so many times but everything is still on my credit report even incorrect addresses too.

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CT

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 process was unfair an 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 2025-01-21 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: FL

Complaint narrative:
I have been XXXX  for XXXX XXXX years and all accounts and inquiries on my credit report are 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 explanation
Consumer complaint received 2025-01-21 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Over the course of 7 to 8years Wells Fargo has charged me overdraft fees if my account went into default by the {$10.00} service fee. There were a couple instances that they had removed the overdraft fee but most of the time I had to pay that overdraft fee because of a bank fee for monthly service. Also about XXXX to 4 years ago I suspect that they had overcharged me for transfer fees from my savings to my checking by {$65.00} for each transfer which I had transferred quite a bit. I had probably up to XXXX times that I was charged a service fee and had to pay for overdraft fees due it causing me to go into default. Eachover draft fee was about {$35.00} - {$40.00}. The last time this happened was a few months ago and wells Fargo caused my account to go into default with the service fee, then they charged me an Ioverdraft fee. And within a few days they closed my account and immediately sent this {$10.00} service charge plus overdraft fee into collections. I didn't know this even happened until I checked my emails one day and saw a notification that they closed my account. I could no longer even access my account. Luckily for tax reasons I had downloaded some digital copies of my account bank statements.

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 2025-01-21 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: CBC Companies, Inc.
State: VA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
In accordance to act, this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15USC 1666B a creditor may not treat a payment on account under an open and consumer credit plan as late for any purpose. 

Delete late payments for Ally Financial LLC Account # XXXX for XXXX, XXXXXXXX XXXX XXXX XXXX  XX/XX/year> from my consumer report, this agency violates 15 USC s1681. Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1.00} per violation for 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate and harmful credit reporting by Wells Fargo and credit reporting agencies ( XXXX, XXXX, and XXXX ). Despite multiple disputes and requests for correction, the inaccurate information remains on my credit report, negatively affecting my credit score and ability to purchase a home. 

In XXXX, I opened a secured credit account with Wells Fargo. I requested to close this account in XX/XX/XXXX. However, Wells Fargo failed to honor my request to close the account, and the account remained open. As a result, fees accrued on the account, leading to late payment ratings being reported on my credit report for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), specifically : 611 ( 15 U.S.C. 1681i ) : The credit bureaus failed to conduct a reasonable reinvestigation of my disputes within the required timeframe.

623 ( 15 U.S.C. 1681s-2 ) : Wells Fargo , as a data furnisher, failed to ensure the accuracy of the information reported and did not properly investigate or correct the inaccuracies when notified.

Harm Caused : This inaccurate reporting has significantly impacted my credit score, making it difficult for me to qualify for a mortgage and achieve my goal of purchasing a home. Despite my good-faith efforts to dispute the inaccuracies, Wells Fargo and the credit bureaus have not corrected the errors.

Pattern of Misconduct by Wells Fargo : Wells Fargo has a documented history of unfair and deceptive practices, including recent lawsuits and settlements for violating consumer protection laws. Notable examples include : XX/XX/XXXX CFPB XXXX : Wells Fargo was ordered to pay {$3.00} XXXX in fines and restitution for systemic misconduct, including improper fees, interest charges, and unauthorized account activity. 
Other Settlements : Wells Fargo has been repeatedly fined for mishandling consumer accounts, reporting inaccurate information, and failing to comply with federal laws.

These cases demonstrate a consistent pattern of consumer harm, reinforcing my concerns about Wells Fargos handling of my account and reporting obligations.

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate and harmful credit reporting by XXXX XXXX and credit reporting agencies ( XXXX, XXXX, and Equifax ). Despite multiple disputes and requests for correction, the inaccurate information remains on my credit report, negatively affecting my credit score and ability to purchase a home. 

In XXXX, I opened a secured credit account with XXXX XXXX. I requested to close this account in XX/XX/XXXX. However, XXXX XXXX failed to honor my request to close the account, and the account remained open. As a result, fees accrued on the account, leading to late payment ratings being reported on my credit report for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), specifically : 611 ( 15 U.S.C. 1681i ) : The credit bureaus failed to conduct a reasonable reinvestigation of my disputes within the required timeframe.

623 ( 15 U.S.C. 1681s-2 ) : XXXX XXXX XXXX XXXX a data furnisher, failed to ensure the accuracy of the information reported and did not properly investigate or correct the inaccuracies when notified. 
Harm Caused : This inaccurate reporting has significantly impacted my credit score, making it difficult for me to qualify for a mortgage and achieve my goal of purchasing a home. Despite my good-faith efforts to dispute the inaccuracies, XXXX XXXX and XXXX credit bureaus have not corrected the errors. 

Pattern of XXXX by XXXX XXXX : XXXX XXXX has a documented history of unfair and deceptive practices, including recent lawsuits and settlements for violating consumer protection laws. Notable examples include : XX/XX/XXXX CFPB Order : XXXX XXXX was ordered to pay {$3.00} XXXX in fines and restitution for systemic misconduct, including improper fees, interest charges, and unauthorized account activity. 
Other Settlements : XXXX XXXX has been repeatedly fined for mishandling consumer accounts, reporting inaccurate information, and failing to comply with federal laws. 
These cases demonstrate a consistent pattern of consumer harm, reinforcing my concerns about XXXX XXXX handling of my account and reporting obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-01-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FRCA ) 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 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: CA

Complaint narrative:
Dropped my credit score severely under XXXX XXXX XXXX name and claiming delinquency when in fact i have been in forbearance. Also claims my balance has increased when this is false as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am victim of identity theft and the Equifax data breach and I have proof from equifax, a police report, and FTC report. Kindly block and delete the accounts below within 4 days as required by FCRA 605B, 15 USC 1681c-2. XXXX and Equifax have FAILED to do anything. 

XXXX XXXX account number XXXX XXXX XXXXXXXX XXXX XXXXaccount number XXXX I am willing to file a lawsuit if needed but wanted to have you intervene first.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America lowered my credit card credit line and sent delinquent pmt info to XXXX who lowered my credit score from over XXXX down to XXXX. BofA states I missed past XXXX mths XXXX & XX/XX/XXXX and XX/XX/XXXX pmts due on card but bank neglected to inform me of this until this current mth! I told them I did not receive regular mthly emails from them of pmt due for XXXX mths of XXXX and for XXXX until aft date due! Also my cred card was missing so I requested new card prev and bank had deleted that account # so maybe that's why I hadn't rec 'd pmt due emails. I read another complaint # XXXX filed against BofA on this website of exact same issue!

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello Pursuant to the Fair Credit Reporting Act ( FCRA ), I am writing to address issues related to identity theft and inaccurate information on my credit report. I request your prompt attention to the following matters : 1. Blocking Fraudulent Information ( 15 USC 1681c-2 ( a ) ) : This statute mandates consumer reporting agencies to block information resulting from identity theft. I request the immediate blocking of all accounts fraudulently opened in my name. 2. Disputing Inaccurate Information ( 15 USC 1681i ) : Under this section, I have the right to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information associated with this breach. 3. Ensuring Accuracy ( 15 USC 1681e ( b ) ) : This provision requires consumer reporting agencies to maintain reasonable procedures to ensure the accuracy of information. I request a thorough review of my credit report to identify and rectify any inaccuracies stemming from this breach. 4. Access to Consumer Report ( 15 USC 1681g ( a ) ) : As provided by this statute, I request access to my complete consumer report to review all information being reported and identify potential inaccuracies resulting from this breach. 5. Preventing Misreporting of Negative Information ( 15 USC 1681m ) : Please ensure that any negative information resulting from this breach is not inappropriately reported. 6. Right to Seek Damages ( 15 USC 1681n ) : I reserve the right to pursue damages for any violations of the FCRA should you fail to comply with my requests. DEPTEDXXXX DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX Please confirm receipt of this letter and provide written confirmation of the actions taken to address my concerns. Additionally, I request an update on any measures you are implementing to safeguard my personal information. Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2025-01-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau 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