vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: WV

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-11 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: CA

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
I am writing to file a formal complaint against Apple Card regarding a debt collection attempt that is inaccurate and not associated with me in any way. 
On or around XX/XX/year>, I became aware that Apple Card, issued by Goldman Sachs Bank USA, was attempting to collect a debt. I want to clearly state that I have no knowledge of this debt, did not open an Apple Card account, and have never authorized any transactions under such an account. 
This appears to be either a case of mistaken identity or potential fraud. Despite not being responsible for this debt, I have received collection attempts and possible negative credit reporting related to this matter. I have not received adequate documentation or verification of this alleged debt. 
I am requesting that the CFPB investigate this matter thoroughly and ensure the following : 1Immediate cessation of all collection activities until proper validation of the debt is provided.

2Removal of any inaccurate negative credit reporting associated with this account.

3A full investigation into how this account was opened and linked to my identity.

This issue is causing undue stress and may potentially harm my financial standing through no fault of my own. I request that this matter be resolved quickly and that I receive written confirmation that this debt is not being pursued against me moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and challenge the presence of an account reported by XXXX XXXX XXXX in the amount of {$480.00} on my Equifax credit report. 

This is not my account. I do not recognize this debt, I have never opened or authorized any account with XXXX XXXX XXXX, and I have no contractual obligation to them whatsoever. Your failure to properly verify the accuracy of this information before allowing it to be placed on my credit report is both unacceptable and a direct violation of federal law. 

Per the Fair Credit Reporting Act ( FCRA ) 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], you are required to follow reasonable procedures to ensure maximum possible accuracy of the information you report. Additionally, FCRA 611 [ 15 U.S.C. 1681i ] mandates that you conduct a reasonable reinvestigation if any part of a consumers file is disputed. Allowing unverified, inaccurate, or fraudulent data to damage my credit profile reflects a serious lapse in your obligations under the law. 

I demand that you immediately investigate this matter, provide documented proof that this account is mineincluding original account applications and a signatureor remove this tradeline permanently. If you are unable to verify the legitimacy of this account with proper documentation, you are legally required to delete it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have submitted multiple verified requests to Experian to update the address in my credit file to reflect my current and accurate residence : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX To date, Experian has failed to make this correction, and my file still inaccurately shows no address on file, which is preventing me from accessing my credit report and exercising my rights. 

I submitted formal written requests on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each submission included : A copy of my valid North Carolina Drivers License Proof of address, including a utility bill and lease agreement showing Ive resided at this address for 2 years Copies of prior correspondence Certified mail receipts confirming delivery Despite meeting the requirements for identity and address verification, Experian has failed to act. This repeated failure may constitute willful noncompliance with the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate and complete consumer records.

I am requesting the CFPBs assistance to compel Experian to : Immediately update my address in their records Provide access to my credit report as required by law Investigate Experians handling of this issue for potential noncompliance with FCRA

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 2025-04-11 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: FL

Complaint narrative:
I am writing to file a formal complaint against Equifax for their continued reporting of a fraudulent account from XXXX, despite clear and documented evidence proving the account is not mine. 

The account in question was allegedly opened in XXXX and charged off in XXXX for an amount of {$810.00}. I have never had an account with XXXX and did not authorize or initiate any business relationship with them. 

Upon inquiry, XXXX conducted an internal review and issued a letter, dated XX/XX/XXXX, stating that they could not locate any account or balance owed under my name or personal identifying information. In the same letter, they confirmed that they would notify all three major credit bureaus, including Equifax, to have the account removed. 

Despite this clear documentation, Equifax has failed to remove the account from my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ) that mandates credit reporting agencies to maintain accurate and verifiable information. 

I am requesting that the CFPB intervene to ensure that Equifax immediately removes this fraudulent and damaging account from my credit report and takes appropriate corrective action. 

Attached to this complaint : A copy of the letter from XXXX dated XX/XX/XXXX Thank you for your assistance and prompt resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: CA

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UPGRADE, INC.
State: OK

Complaint narrative:
XX/XX/XXXX XXXX XXXX Dispute ID : XXXX Dispute Amount : {$2900.00} XXXX XXXX XXXX XXXX : {$2900.00} To Whom it May concern : I am attaching attempted communications with the merchant whom the thief XXXX XXXX XXXX used my card after stealing, in hopes of receiving the provisional credit to my account. 
As I am sure you are aware, this dispute has been on going with several escalations on my behalf in request of the provisional credit due to the theft/burglary of our home, personal belongings, personal information ID, Birth Certificate, Social Security Cards , Passport, purse, wallet, debit card ending in XXXX, vehicle and more. With this as well as the police reports from two different states, FTC identity theft report, criminal background and suspect, it is my hope and request to receive an immediate provisional credit. 
I tried numerous time reaching out to the merchant listed on my account statement with Upgrade, by phone ( XXXX provided ), the Support Form as well as email with no contact or resolution. 
As stated in the attached correspondence, I will be filing a compliant with the companies listed in hopes the merchant will do better. 
Unfortunately, because I was not able to receive any communication or refund of the " unauthorized-fraudulently stolen funds from the merchant '' it is my request from XXXX as I should have zero liability for stolen/fraudulent usage and charges on my account To receive a provisional credit to my account for these charges. I have been advised numerous times within the dispute department that an escalation and or request for the provisional credit has been requested by a supervisor/S with a 3-5 business day time frame, the latest being XX/XX/XXXX. 
and now over 20 days later still no provisional credit to my account. 
This theft has put my family in financial, emotional and physical distress a s we are having to start completely over and continue to pay bills and live. It is of the utmost importance to receive my stolen funds back to my account. After another attempt to put my funds back into my account asking me to wait again another 3-5 business day ( XX/XX/XXXX to receive my provisional credit ) 13 representatives, 11 supervisors, 6 managers and 5 double marked urgent escalations STILL NO RESPONSE AS PROMISED. STILL NO FUNDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
I kindly request the prompt removal of the fraudulent entries from my credit report in light of this situation, along with the necessary actions to rectify any inaccuracies or fraudulent activities. Attached are documents from relevant authorities that substantiate my claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
What happened : On XX/XX/XXXX, I issued a {$20000.00} personal check from my XXXX account to my husband, who deposited it into his Citi Business checking account. The first check was mistakenly unsigned, so it was rejected, and the funds were returned to my XXXX account. I then signed a second check on XXXX XXXX, XXXX, which was accepted by Citi XXXX branch ( XXXX XXXX XXXX, XXXX, IL XXXX ). 

However, days later, I was noticed by Citi fraud prevention department that they will close my husband 's business checking account, without any specific reasons. My husband 's access to fund was blocked since then. On XX/XX/XXXX, my husband 's account was closed, and the remaining balance was gone. 

Despite repeated visits to the branch ( at least 7-8 times ) and speaking with multiple representatives on the phone, and XXXX branch 's manager, XXXX XXXX XXXX who tried to help but there has been no resolution provided. I was even asked to provide three months of my XXXX bank statements to prove that I hadnt received the refund something I complied with, despite the request being both invasive and unnecessary, since Citi should have internal records of any outgoing refund. Even after that, I received no timeline or assurance. We keep being told to wait another 710 business days, with no guarantees. 

How this has affected us : The delay in returning this fund has put significant financial strain on our family. This is not spare money it was meant for urgent financial needs. We've been struggling to cover monthly bills, our mortgage payment, and other necessary expenses while Citi continues to hold onto our money with no accountability. It has caused immense stress, disrupted our budget, and affected our overall well-being. 

What I want : I want the full {$19000.00} refunded to me immediately ( a check return fee was applied ). This situation has dragged on for far too long, and I believe Citi is mishandling the case, delaying unnecessarily, and not taking accountability. On top of that, we felt the Citi has been indifferent and unwilling to give back the money. 

Why Im filing this complaint : This has caused significant emotional and financial distress. Ive acted in good faith, complied with every request, and exercised extreme patience. Citis treatment of this matter is unacceptable. Im requesting your assistance to ensure that Citi resolves this immediately and that this type of mistreatment does not happen to others.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-11 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: CA

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Starting XX/XX/year> a Fraud Wells Fargo [ hereinafter, WF ] Department Agent directed me on the phone to " Move '' my Checking account sum of {$17000.00} to Savings account, leaving a remainder of about {$78.00}. I was then directed to open my " ON_LINE Acct. MY ON-LINE REVIEW OF MY ACCOUNT CONFIRMED ALL WAS 'ORDINARY '. I was advised that a WF 'Branch personnel ' was stealing my money through XXXX XXXX orders for purchases. The checking account would be monitored to determine the WF thief ' or individuals ' identity. I DID AS DIRECTED AND ALSO " ACTIVATED AN AUTOMATED WF EMAIL NOTICE TO ME OF ANY TRANSACTIONS. I REVEIVED A " WF EMAIL ' MY TRANSACTION WAS NOTED '' ... WF FRAUD My participation was required. I was directed to go to the bank and withdraw {$25000.00}. -AGAIN -LATER ANOTHER {$25.00} AND LASTLY {$10000.00}. AND DELIVER THE {$60000.00} MONEY TO A WF COURIER. I DID THIS THREE TIMES OVER THE FOLLOWING 7- 8 DAYS. NEXT I called The WF Fraudster, named XXXX ', but 5 calls over two days were either busy or disconnected. onXXXX I went to the WF XXXX  XXXX Branch , California and advised of " the Possible Fraud ''. I filled out forms and am waiting for a decision about the {$60000.00} reimbursement since i learned on4/2/2025 that the {$60000.00} was coming from MY ACCT>!! The Fraudster mover money back and forth many times to settle in the Checking ACCT. I NEVER RECEIVED ANY WF SYSTEM PROMISED " AUTOMATED FROM WELLS FARGO NOTICE @ ANY CURRENT TRANSACTION ( S ) '' FOR ME TO BE ABLE TO MONITOR EVENTS! NO " EMAIL- AUTOMATED ACCOUNTS TRANSFER '' TO SUGGEST TO ME & SUSPECT THAT I WAS BEING MANIPULATED AND MONEY WAS BEING STOLEN - - FROM 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 2025-04-11 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: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX, I disputed an authorized transaction from XXXX XXXX in the amount of {$100.00}. On XX/XX/XXXX, Regions sent a letter confirming that the above transactional dispute had been approved. However, ( XXXX ) attempted to send another unauthorized transaction again. This time the transaction went through and funds were not available, which ultimately led to an overdraft of my personal checking account. I immediately contacted the bank and let them know what was going on and I gave them adequate time to rectify the issue. I also contacted XXXX to inform them to cease any and all action with respect to my Regions account. Nevertheless, the funds were never reversed and my account was never returned to positive status. I attempted to go inside of a branch located at XXXX XXXX XXXX, XXXX, TN. I spoke with the manager there and he was very rude and not welcoming at all. After numerous attempts to rectify an issue not inflicted ; I have exhausted all remedies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: VA

Complaint narrative:
On or around XXXX XXXX, 2025, I contacted Square and did set up an account for them to take my card payments and transfer the funds to a linked bank account that they IDed and approved. When they told me that I was ready to start receiving payments I submitted a XXXX payment for processing, I then asked to submit verification again in the form of a State ID onwhich they approved and accepted. Once I tried to transfer the funds into my bank account they want more information onwhich I submitted such as attached documents. Submitted here and more. That's when I received the above letter. I have been able to view my account balance up until today where it is now showing a XXXX balance, where is my money.

Company response to consumer: Closed with explanation