vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i write XXXX XXXX XXXX  about a change off closed acct they sold it to collect company its reporting on my credit file as a change off so i ask them for a 1099 to file on my taxz no reply under the FCRA YOU CAN SEEEK STATUTORY DAMAGES IF A CREDITOR FURNISHES INACCURATE INFOMATION ABOUT A DEBT SUCH AS INCORRECTLY REPORTING A CHARGE OFF WHILE STILL CLAMING YOU OWE THE DEDT THIS IS FRAUD AND I WILL SUE THEM AND REPORT THEM TO THE IRS

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 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I am writing to formally lodge a complaint against Wells Fargo Bank regarding a delayed international wire transfer. On XX/XX/scrub>/2025, I initiated a wire transfer of {$10000.00} from my personal Wells Fargo account to my personal bank account in XXXX XXXX. At the time of the transaction, I was assured that the funds would be credited to the recipient account by XX/XX/year>2025. 

As of today, XX/XX/year>2025, the funds have not been received. Despite multiple attempts to resolve the issue through customer service and numerous escalations, Wells Fargo has been unable to provide any resolution or locate the transferred funds. Upon my insistence, the bank initiated a trace ; however, this effort has yielded no results. 

This situation has caused me significant inconvenience and financial uncertainty. Given that Wells Fargo has failed to fulfill its obligation to complete the transaction within the promised time frame and has not provided a satisfactory explanation or resolution, I am seeking your intervention to resolve this matter. I request the following : 1. A thorough investigation to determine the whereabouts of my funds.

2. Immediate resolution to either complete the transaction or refund the full amount.

3. A clear explanation of why the transfer was not completed as promised.

4. Appropriate corrective action against Wells Fargo for failing to uphold its service commitments.

I appreciate your prompt attention to this matter and look forward to your response. Please feel free to contact me at [ Your Phone Number ] or [ Your Email ] should you require any additional information.

Sincerely,

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 2025-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have tried to call many times this past friday XX/XX/31, today XXXX to settle or pay this debt to get it off my credit report. Kohls dont want to want to do anything at all. I have talked to the manager as well to get my account settled or something on payment wise and they refused. They told me my account is too old to do anything with. And I have received many options in the past regarding my balance which I have not received. Therefore, I need this off my credit due to lack of communication and refuse to help in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-05 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an installment collection account at, XXXX XXXX XXXX ( XXXX XXXX ) on XXXX XXXX, 2021. 
These accounts have resulted in several fraudulent hard inquiries and hard collections appearing on my consumer FICO credit report. I've attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not open, made, or initiated by me. All the accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: KS

Complaint narrative:
On XX/XX/year>2025 I received a text message at about XXXX XXXX telling me they were from Chime and that there was a charge in the amount of {$350.00} made at XXXX. They wanted me to reply yes or no, whether this transaction was made by me. I replied no and within seconds, they called me. They told me their name was XXXX XXXX badge number XXXX calling with the chime fraud department and that they were putting my account on hold due to fraudulent charges. I asked for their name and badge number again to make sure I could get it written down and they then had me try to send {$900.00} to show myself and them that my account was indeed locked. They had me read out loud what it had said, and it had said that it was unable to complete the transaction so that proved to me that it was locked, they then had me attempt to do it for XXXX for a second time to just show that it was still locked. While on the phone with them, they told me that a XXXX XXXX was attempting to do a {$900.00} money transfer and that I needed to do in increments of XXXX equaling XXXX to be a reversal of those funds so that it did not happen. I tried it the first time and it didnt work because of course you know my account was locked so then I tried it again and They told me to keep doing it not to hang up. And I guess they all went through because then they hung up on me and my account was drained. I have filed a police report. I have filed a dispute with the bank and they are deciding not to give me my money back. my phone has been acting up and I have reached out to cricket to let them know And nobodys doing anything for me. All I want is my money back that was taken because I was deceived and only was authorizing those under coercion. These people gave me badge numbers gave me names. Had me do all of this thinking that they were my bank. I know my bank is not doing anything about it. I have done everything. My bank has asked like I said I filed a police report. I have reached out to the phone company in regards to my phone being weird And Im getting nowhere with Chime. Ive even changed my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: LA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

The following accounts I have marked as incorrect and inaccurate and where not correctly investigated : -XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Myself and XXXX has contacted the bank numerous times requesting the letter of salvage so XXXX can payoff the loan for a totaled vehicle. 
Bank is refusing to send required letter of salvage to XXXX so that payoff can be sent and overpayment is sent to me to obtain another vehicle ASAP. 
I am without a vehicle and in the middle of purchasing another vehicle. 
I am simply asking for escalation to send the required letter of salvage to XXXX ASAP and a refund for a service warranty that has been canceled with dealership due to car being totaled

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX of this month, XXXX XXXX in XXXX California made two hard inquiries into my credit record before I agreed to lease a car and had not given them permission. Eventually I leased somewhere else. The problem is those unauthorized inquiries artificially lowered my credit score.

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 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I did not receive my bi-weekly paycheck XXXX direct deposit on XX/XX/year> in the amount {$1300.00} from my employer XXXX XXXX. I was not able to access these funds until Sunday XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX - XXXX - {$0.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-02-05 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 filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite y submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services
State: GA

Complaint narrative:
I have submitted several disputes to XXXX, XXXX and XXXX on these Student Loan accounts that is reporting on my credit report. These account have not been verified and a proper verification or investigation was not done by this company nor the bureaus which are advising the account is verified. Per Consumer law 15 U.S. Code 1681i ( 5 ) requires the removal of inaccurate information, also ED Financial is violating 15 U.S. Code 1681 e ( b ) collections must be 100 % accurate across all 3 Bureaus and it is NOT, so Failure to Maintain Maximum Possible Accuracy, Credit reporting agencies must ensure the maximum possible accuracy of the information they report. The presence of inaccurate accounts on my report directly contravenes this mandate. Both are violating 15 USC 1681 s-2 ( b ) ( 1 ) ( A ) among other laws. I also file an FTC report and sent in as proof I was a victim of XXXX Data Breach meaning these accounts are fraudulent. Also late payments are not to be reported on a consumer file per 15 USC 1681 ( a ) ( 2 ). According to 15 USC 1666b timing of payment states that company has to send the consumer proper documentation 21 days before the due date with an attached form section 1637 ( b ) and I never received. I need proof sent to me via mail being that ED Financial Services are saying this information is valid to the bureaus, these account are open/late accounts and not accurate across all bureaus. ED Financial is violating 15 U.S. Code 1681a ( 2 ) ( i ) exclusions on transactions reported on consumer report, and 15 U.S. Code 1692e False or misleading representations. Per these Bureaus ED Financial was supplied with all of the relevant documentation of my information being involved with XXXX XXXX Breach and verification information from ED Financial was not sent to show accounts belong to me so accounts should have been deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: TN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX XXXX XXXXXXXX, XXXX. 
Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$70000.00} EQUIFAX INQUIRIES : XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are accounts listed on my credit report that are incorrect and should not be associated with my name. This is not only unfair, but also alarming, as I have neither participated in nor authorized any activities related to these accounts. If you do not thoroughly investigate and correct these discrepancies, I will have no choice but to pursue legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/year>, I attempted to transfer funds in the amount of {$80.00} from my XXXX XXXX  to my Chime checking account. I used the transfer option on the chime app that is labeled " pay anyone '' I selected the option to take the funds from my cash app card and send it to my Chime tag. 
As I was typing in my Chime tag, the predictive text completed my tag and I clicked the option to send. I noticed that the funds were not immediately available, but I was aware it could take a day or two to process. After several days passed and I still did not see my funds, I decided to contact Chime. I told them exactly what I have reported here. They said that I sent the funds to someone else. This someone else has the exact same name as me and added a dash and the number one to the end of the name. Therefore, without realizing it, I sent my money to some stranger with an identical name and very similar Chime tag.

Since I let the predictive text complete my form, my money is now gone.

Upon speaking with two different Chime representatives, I was able to only file a dispute. I have just received the denial of that dispute. So now my money really is just gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-05 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: Block, Inc.
State: TN

Complaint narrative:
( 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 and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

+ I want the CFPB to publish this 240 description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. 
XXXX XXXX earn how it works. I consent to XXXX XXXX  his description after th CFPB has taken these steps. 
XXXX XXXX how to get cash app XXXX settlement 2024 XXXX XXXX  Add comment...

Company response to consumer: Closed with explanation