vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$680000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$14000.00} XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Balance : {$44000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
I attempted to transfer {$8.00} from my XXXXXXXX XXXX  account to Cash App on XX/XX/year>. The transaction failed due to insufficient funds, and my bank confirms that no money was sent. However, Cash App still deducted {$8.00} from my balance and now shows me as negative. My bank has even reversed the NSF fee since the transfer never completed. I have reached out to Cash App multiple times, provided proof, and asked to escalate but they refuse to remove the - {$8.00} balance. I am requesting that this be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: AL

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 2025-05-29 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: MI

Complaint narrative:
This is my third formal complaint regarding inaccurate information being reported on my credit file. 

I am disputing each item you have reported as inaccurate. I previously requested itemized documentation to verify the validity and ownership of the debts being reported. To date, you have failed to provide sufficient evidence or clarification to support your reporting. 
I have clearly stated the basis for my dispute. Despite your assertion, I have not received any letters from your organization or any collection agencies concerning these accounts.

Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to follow the procedures below : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Upon receiving a dispute, you must conduct a reasonable investigation within 30 days to determine whether the disputed information is accurate.

15 U.S.C. 1681i ( a ) ( 5 ) : If the information can not be verified, it must be deleted from the consumers credit file.

15 U.S.C. 1681e ( b ) : You must maintain reasonable procedures to ensure maximum possible accuracy of the information you report.

If you continue to report unverifiable or inaccurate information and do not complete the required investigation in a timely manner, I will pursue all available legal remedies and seek damages under 15 U.S.C. 1681n and 168
1o.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint to report several inaccurate, unverifiable, or unresolved credit entries appearing on my consumer credit report. Despite prior efforts to dispute these items, they remain on my report without sufficient verification or correction, violating my rights under the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ). 

Disputed Accounts : XXXX ( Account Ending XXXX ) Listed as charged off with a balance of {$1300.00}, opened XX/XX/XXXX. The charge-off remains on file despite my disputes and a lack of documentation validating the amount or status. 

XXXX XXXX  XXXX Account Ending XXXX ) XXXX late payments on a {$710.00} balance, opened XX/XX/XXXX. This tradeline is inaccurate and unsubstantiated. 

XXXX XXXX XXXX ( Account Ending XXXX ) Reports a charge-off on a {$33000.00} loan from XX/XX/XXXX. Disputes regarding this tradeline have not been adequately investigated or resolved in accordance with FCRA 611. 

XXXX XXXX Account Ending XXXX ) Charged off {$1500.00} account opened on XX/XX/XXXX. Information provided is insufficient, and I have not received debt validation despite multiple requests. 

XXXX  ( Account Ending XXXX ) A collection for {$940.00} opened on XX/XX/XXXX. This is a future-dated tradeline, which suggests improper or automated entry without oversight. The account remains unverifiable. 

XXXX XXXX XXXX ( XXXX ) Collection account for {$1200.00} opened on XX/XX/XXXX. Furnisher failed to provide validation or documentation substantiating the alleged debt. 

XXXX XXXX XXXX ( Account Ending XXXX ) Collection tradeline opened XX/XX/XXXX, also future-dated and without a listed balance. This entry appears to be erroneous or entered without proper adherence to FCRA accuracy standards. 

XXXX XXXX XXXX ( Account Ending XXXX ) Collection of {$700.00} opened on XX/XX/XXXX. No verification has been supplied, and the account continues to harm my credit unjustly. 

Harm and Violations : These tradelines are harming my credit profile and contributing to denials of credit and other financial services. They appear in violation of FCRA 602, 604, 607 ( b ), 611, and 623, due to lack of proper validation, duplicative or incorrect reporting, and failure to complete reinvestigation. The presence of future-dated entries further demonstrates systemic noncompliance. 

Relief Requested : I request immediate reinvestigation and removal of any unverified, inaccurate, or duplicative accounts, written confirmation of corrections, and assurance that my FCRA rights will be honored in the future. 

If not resolved, I will pursue further complaints with the FTC, State Attorney General, and additional legal options.

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 2025-05-29 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore 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 2025-05-29 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: OH

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. 
I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts : 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

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 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
EQUIFAX IS WROGFUELY REPORTING INQURIES THAT ARE NOT MINE OR HAVE BEEN OBTAINED FRAUDULENTLY A FTC REPORT HAS BEN FILED THE INQUIRES ARE AS FOLLOW XXXX XXXX XXXX. XX/XX/year> XX/XX/year>. XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/year>. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. 
I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I am writing in regards to my fraud claim being denied on XX/XX/XXXX. On XX/XX/XXXX, I received a text message from a toll scam number saying I owed a toll at XXXX XXXX. Thinking this was legit, a few hours later, I entered my debit card ( ending in XXXX ) and pin number through a link that was provided by the scammer. After realizing this was a scam, I immediately cancelled my debit card on the Wells Fargo app around XXXX and I received an alert from WF that a new card ending in ( XXXX ) was issued. This card was issued to my digital wallet through the WF app. 

On XX/XX/XXXX, a {$1000.00} atm charge from Wisconsin was entered as well as a {$49.00} charge from XXXX on XX/XX/XXXX in Ohio. I live in XXXX, AL. I realized this on XX/XX/XXXX and called WF. They cancelled my XXXX card and issued a new debit card and put in a fraud claim. 

On XX/XX/XXXX. I received an alert on my WF app, that my claim was denied. I immediately called WF and they said the claim was closed and they couldn't reopen the case and told me to file a complaint. I was told that someone would return my call within 24-48 hrs. No one returned my call. After waiting several more days, I called multiple times asking for my case to be reopened. On XX/XX/XXXX, I also went to my local branch manager at WF and he helped me send in a verbal complaint and guided me to a detective to investigate and make a police report. Finally, on XX/XX/XXXX, someone from the claims assistant center told me that the case would be reopened and investigated again. I was told that final resolution letter would be sent to me by XX/XX/XXXX. 

On XX/XX/XXXX, I contacted the claims assistant center to see if they received my police report and to check the status of my claim. I was frustrated to hear that the claim was never reopened and that it could not be reopened. The employee said that due to the evidence, the case was still denied but had no evidence to prove it. WF has repeatedly miscommunicated with me giving me different answers. They stated that they would not use any evidence that the detectives might receive ( as in footage of the man at the atm machine ) and that there was nothing I could do appeal this claim. 

I feel that my case is legit and that WF has not done a thorough research into my case. I'm just asking that they relook at it and use all evidence, especially the footage of the man at the ATM and the location of these transactions when I do not live in either state where these transactions were made.

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 2025-05-29 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: CA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XXXX/EXP Account Name XXXX XXXX XXXX  XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/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 2025-05-29 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I've recently received a copy of my credit report and noticed that on XX/XX/year> XXXX XXXX added inaccurate/unauthorized information to my credit report in the amount of {$700.00}. This remark has been detrimental to my life and my credit health. 

According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 U.S.C. 1681 ( e ) ( b ).

And according to 15 U.S.C 1681 5 theyre supposed to do ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item if the information is found to be inaccurate, incomplete, or can not be verified. The consumer reporting agency shall promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation and ( i ) promptly notify the furnisher of that information that it has been modified or deleted from the file of the consumer.

Im disputing this account under 15 U.S.C 1681i, improper verification of disputed information. They also have no permission to report anything using my information. This is not my account ; I have no knowledge of it and this company is violating my consumer rights to privacy per 15 U.S.C. 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IL

Complaint narrative:
on the XXXX of XXXX i got an email about my accounts closure, and i called Chime on the XXXX of XXXX. The representative who answered informed me that chime had deciced to close my account, and when i asked if i could retreive my {$200.00} from the account, i was told that it " wasnt possible since the account was closed ''

Company response to consumer: Closed with explanation