vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My Venmo account in the name on XXXX XXXX. I attempt to link my debit card and bank account in the same name. 

The linking service XXXX approved but the venmo app denied linkage. Needing emergency access to my money. I attempted to link my friends debit card. It was also denied linkage I provided images of my debit caRd and bank statement. Venmo say the name doesnt match. My bank statement has same name and my middlename. Venmo does not have middlemame on file I also provided my friend debit card and bank statements to show i have permission to use. They again rejected the evidence They are freezing my account for XXXX  days. Not releasing my funds This is strongarm theft They should let me access my funds via my bank account. They should let me access my funds via via the venmo debit card they sent me They cant just take my money and hold for free like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: MS

Complaint narrative:
I am disputing the personal information on my credit report. I have tried to resolve this with the company and the information still remains on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I was an Apple Card holder which only allows account management on the mobile device of which is tied to your Apple ID. My phone was stolen and my email address and Apple ID were taken over so I was no longer able to have access to my account. I was told that Apple could not transfer my account to my new Apple ID and could not then automatically send me statements and instead I had to call each month and request. Despite my efforts to comply, I have only received one statement in the past year. These restrictions made it increasingly difficult to manage my account as each time I called I received different info regarding my account status and balance from each representative. I subsequently fell into a late payment of which was reported to the credit bureaus. I do not think the late payment is fair given Apples failure to readily provide account details and inability to transfer online my account in the aforementioned scenario. This left me with very limited options for account management which would not have been an issue with any competitor credit card company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-28 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 DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: U.S. BANCORP
State: NV

Complaint narrative:
XXXX XXXX XXXX restaurant bill was {$160.00}. Of this amount {$33.00} was paid by gift card with receipt provided to US bank credit card ending in XXXX. The net amount of {$120.00} was charged to US bank plus tips of {$26.00} = {$150.00} with receipt showing signature was provided to US bank credit card dispute web submission. 

XXXX XXXX XXXX charged {$180.00} to my US bank credit card. I called the merchant and got hung up after long wait. On XX/XX/XXXX, I filed dispute with US bank for the {$33.00} which they already gotten paid from gift card plus rescind the tips as they had nullified the tips provision by adding another {$60.00} ( $ XXXX XXXX ). 

On XX/XX/XXXX, I called the rep XXXX and authorized my wife to go over the details which she wrote up as supporting and stated it should support the credit of overcharge and in no case can a merchant charge more that what I signed for of {$150.00}. 

On XX/XX/XXXX, US bank responded on they were not able to help for the incorrect amount as a resolution. I called the rep XXXX XX/XX/XXXX agreed that the receipts are sufficient and will reopen the case. 

On XX/XX/XXXX, talked to XXXX ( not sure of name spelling ), she agreed it should not be charged ; she reopened the case and stated that the credit will be posted in XXXX  days or so. 

On XX/XX/XXXX, US bank responded again stating that " There is insufficient information supplied to support your claim of incorrect amount. For further resolution to this matter please contact the merchant directly. '' See letters and supporting. 

US bank in no case can allow merchant to charge for than what I signed for. At the very least, they need to credit me back {$33.00} - amount paid by my wife under her gift card with the same check number, table number and clear partial approval on the {$33.00}.

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 non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: OK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 non-monetary relief
Consumer complaint received 2025-03-28 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
The collection agency has engaged in false and misleading practices violating FDCPa 807 and provided misleading forms violating FDCPa 812.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: TX

Complaint narrative:
Hello I am attempting to get my free credit report ( which I can now obtain on a weekly basis ) and where I could upload my identity documents ( Driver license, and utility bill ) this portal has now been closed, and I am now required to dial in or mail in for my weekly ( or if I decide monthly credit report from XXXX. I appear that Experian has cut off this portal. They have been claiming a server issue for 2 weeks now with no improved status or opening up a email or fax number for us to request our report from. This forces consumers to call in, which the telephone method has long wait times of up to 1 hour. 
I have uploaded a copy of the error message given I received. 
Please have Experian send me a copy of my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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 pulled out my credit report, and I have found accounts that I didn't apply for, and they don't belong to me. Ive disputed them with the major credit bureaus but they remain reported erroneously. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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 pulled out my credit report, and I have found accounts that I didn't apply for, and they don't belong to me. Ive disputed them with the major credit bureaus but they remain reported erroneously. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Optio Solutions, LLC
State: MN

Complaint narrative:
On XX/XX/XXXX25 I was notified via my Credit Report of a fraudulent collection from XXXX XXXX XXXX with a collection amount of {$6400.00} for unpaid Rent. 
On XX/XX/XXXX2025 I spoke directly with a XXXX Collection Agent who provided me with an email XXXX and requested that I send my FTC Report and Police Report to the email for review. I sent a copy of my FTC Report, Police Report and a copy of my Drivers License to email XXXX on XX/XX/XXXX, XXXX. Additionally, I sent a dispute of this account via Mail that included a copy of my FTC Report, Police Report and a copy of my Drivers License. 
I have not been provided with ANY information on this fraudulent account. I have not received a response to either the email sent OR the XXXX voicemails i have left for this company since this email was sent on XX/XX/XXXX/2025. The company contact phone number goes straight to voicemail and NO ONE EVER CALLS YOU BACK!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
XXXX XXXX XXXX  AND FORD CREDIT ALL DID HARD INQUIRIES ON MY CREDIT WITHOUT MY PERMISSION AND ARE RUINING MY CREDIT ON XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am writing to formally file a complaint against Wells Fargo regarding unfair monthly service charges on my checking account and the banks failure to adequately notify me of these fees, despite my other accounts maintaining sufficient balances to waive them. 

For eight months, I was charged a $ XXXX monthly service fee on one of my checking accounts due to the balance occasionally falling below {$500.00}. While I understand the terms of the account require a minimum balance, Wells Fargo failed to provide proactive, direct notificationbeyond the standard monthly statementthat these fees were being assessed. Given that my other Wells Fargo accounts consistently held balances well above {$500.00}, I could have easily rectified the issue had the bank alerted me via email, text, or another prominent method. 

When I raised this issue with Wells Fargo, the bank refunded only {$20.00} out of {$80.00} in fees, which I find unacceptable. This partial refund does not address the core problem : Wells Fargos lack of transparency and failure to implement reasonable measures to inform customers of avoidable charges. Monthly statements buried in a digital inbox are insufficient, especially when the bank has multiple channels ( e.g., real-time alerts, push notifications ) to communicate such critical information. 

I believe Wells Fargos practice is deceptive and unfairly disadvantages customers. The bank has a responsibility to ensure customers are clearly and promptly informed of fees, particularly when those fees could be easily avoided with minor account adjustments. By withholding clear notifications, Wells Fargo appears to prioritize revenue over customer fairness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-03-28 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I received two payments from my sister : one for XXXX and XXXX for XXXX. The payments came through the Cash App. The first payment was sent on Monday. and the second sent on Thursday. I selected to reply to the payment sent on Monday. I saw that XXXX was supposed to be deposited into my bank account. They normally show instantly. I checked and there was no payment deposited. I called and was told it was pending. I waited until later to withdraw the XXXX payment, but when I did, it was instantly put into my bank minus the fee. So the deposit is XXXX. I have called and called Cash App about my XXXX or XXXX payment to me. The explanation I was given was that they were put together. and deposit into account XXXX. First of all, I do not have a bank account ending in XXXX, nor do I have cards associated with the account ending in XXXX that ends. There is no reflection of the XXXX being deposited ; however, later that day, I withdrew the XXXX, and XXXX was deposited right away. I would like to know where my missing money is. I can not get a straight answer. It would not matter, but I need every penny I can get. I was sent a link so I can look, but it does not show any transactions passed Sunday.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-28 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 non-monetary relief
Consumer complaint received 2025-03-28 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: NY

Complaint narrative:
Dear TransUnion Dispute Department, I am writing to formally dispute the results of a recent investigation I requested regarding an inaccurate late payment reported on my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) for XX/XX/year>. Despite providing sufficient proof demonstrating that this late payment was incorrectly reported, TransUnion failed to update my credit file accordingly. 

Both XXXX and XXXX have already reviewed the same documentation and made the necessary corrections, yet TransUnion continues to report this inaccurate information. This discrepancy is causing harm to my credit profile and is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to conduct a thorough and fair investigation. 

By failing to fully investigate and correct this error, TransUnion is violating federal law and neglecting its responsibility under the FCRA. I demand that you immediately : Reopen the investigation into my XXXX XXXX account. 

Correct the inaccurate late payment from XX/XX/year>. 

Provide a written response confirming the resolution and update to my credit file. 

Failure to take corrective action within the required time frame may leave me with no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal remedies. 

I expect a prompt resolution to this matter and request a response within 15 days from the date of this letter. Please provide confirmation in writing once the necessary updates have been made. 

Sincerely, 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 non-monetary relief