vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Subject : Complaint Regarding FCRA and FDCPA Violations by WELLS FARGO BANK I am writing to file a formal complaint against WELLS FARGO BANK for multiple violations listed below of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Over the past several months, WELLS FARGO BANK has repeatedly re-aged the account on my credit report, which has caused significant damage to my credit score. 

Details of Violations : XXXX. Re-aging of Account WELLS FARGO BANK has continuously updated the dates on this account, making it appear as though these debt is more recent than they actually is. This practice is in direct violation of the FCRA, which prohibits the re-aging of debts to extend the reporting period. 
XXXX. WELLS FARGO BANKXXXX ACCOUNT XXXX : XXXX a. STATUS DATE : CHARGED OFF STATUS DATE : XX/XX/XXXX LAST UPDATED DATE : XX/XX/XXXX b. CHARGE OFF EACH MONTH XX/XX/XXXX XX/XX/XXXX - XXXX instances XXXX. Damage to Credit Score : Due to the repeated re-aging of these account, my credit score has been negatively impacted. This has resulted in higher interest rates on loans and credit cards, as well as difficulty in obtaining new credit. 

XXXX. Monthly Penalties : According to the FCRA, violations can result in penalties of up to {$1000.00} per month for each violation. Given that this has been occurring for several months per account, the total potential penalty could be {$10000.00}. 

XXXX. Continued Updates : Despite my repeated attempts to resolve this issue through my attorney with XXXX XXXX, the account continue to be updated monthly, further exacerbating the damage to my credit score. 

Since these disputes have been ongoing through my attorney for over a year without corrections, the 30 day time frame is forfeit. 

Supporting Documentation : Attached to this complaint are copies of my credit reports that support my claims : my attorney has been diligent in trying to get responses from them, sometimes to no avail.

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 2025-02-14 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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

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

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

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My personal information has been compromised by XXXX data breach as well as XXXX XXXX XXXX XXXX. Ive also had fraudulent accounts open with XXXX XXXXXXXX that Ive been disputing for years. All of the accounts keep coming back verified with no proof of how it was verified. Ive never signed or gave anyone authorization to use my personal information. Ive had a fraud alert on my consumer report for years and still someone was still granted credit using my information. To my records the information you are reporting on this account is inaccurate. I demand that you remove this information from my credit report immediately. 

By the provisions of the Fair Credit Reporting Act of 1970, 15 U.S.C. 1681 et seq., I demand that these items be reinvestigated and deleted from my credit record.

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I have a few items on my account that is charged off with a XXXX balance and it hasn't been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX FI - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned 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 XXXX Federal Trade Commission that all the aforementioned 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 2025-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
On XXXX XXXX I found out that someone add their name to my account, and I did not know this person. So, I talk to bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year> I applied for a CBNA credit card and my credit was pulled which was authorized. 
On XX/XX/year> CBNA pulled my credit again without consent. I need the inquiry from XX/XX/year> removed from all of my credit bureaus.

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 2025-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint and Request for Removal of Inaccurate Capital One Account from All Three Credit Bureaus Dear Consumer Financial Protection Bureau XXXX I am filing a formal complaint regarding an inaccurately reported Capital One credit card account that I paid in full and closed. Despite never receiving any notification or verification regarding the accuracy of this account, it continues to appear on my XXXX, XXXX, and XXXX credit reports with incorrect information. 

Details of the Disputed Account : Creditor Name : Capital One Account Number : ending in ( XXXX ) Reported Inaccuracies : Incorrect balance, incorrect late payments, incorrect account status, failure to update as paid and closed. 

Legal Violations and Consumer Rights Violations : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 609 ( 15 U.S.C. 1681g ) : I have not received any documentation proving the accuracy of this account, yet it remains on my credit report. If Capital One and the credit bureaus can not verify this account with original documentation, it must be removed immediately.

611 ( 15 U.S.C. 1681i ) : The credit bureaus are required to conduct a reasonable reinvestigation of disputed information within 30 days. This has not happened, and they continue reporting inaccurate and unverifiable data. 
623 ( 15 U.S.C. 1681s-2 ) : Capital One, as the furnisher of this data, is required by law to report only accurate information. If they can not verify it, they are legally obligated to remove it.

2. Truth in Lending Act ( TILA ) 15 U.S.C. 1601 If Capital One misreported my balance, payments, or account status, they have violated federal lending and credit reporting standards under TILA.

3. Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531 Capital Ones failure to provide proper verification while continuing to report inaccurate information is an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ), which the CFPB has authority to regulate. 

Requested Action : XXXX. Immediately remove this Capital One account from XXXX, XXXX, and XXXX. 
XXXX. Require Capital One to provide original documentation verifying the accuracy of this account, including my signature on any relevant agreements. 
XXXX. If they fail to verify, CFPB should take enforcement action against Capital One and the credit bureaus for non-compliance with federal law. 
XXXX. Provide a written confirmation of the deletion or correction of this account. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: TransferWise Ltd

Complaint narrative:
XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WY XXXX XXXX XXXX & XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Complaint Regarding Account Closure and Withheld Funds Wise ( TransferWise ) Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding the closure of my Wise ( formerly TransferWise ) account and the withholding of my funds. 

On XXXX, Wise unilaterally closed my account without prior notice. I was previously the owner of XXXX XXXX, a company registered in Wyoming, USA. However, I am no longer actively managing or owning this business. Despite this, Wise has refused to release my funds to my designated bank account. I have XXXX accounts on wise one is XXXX XXXX which is my business and my personal account XXXX XXXX, The personal one is active however they did not transact anything, and just shut down business and all funds were inside, with approximate amount of XXXX USD, I can not even see since I have no access from today morning. I contacted with live chat and mail, however no result at this moment. 

Following the account closure, I promptly provided Wise with all requested documents, including : A copy of my government-issued ID My bank account details for fund transfer A detailed explanation of my situation However, Wise has not processed the transfer of my funds, nor have they provided me with a clear resolution. Additionally, I can not provide certain transaction receipts from my account, as I no longer have access to my Wise account due to the closure. 

I believe that Wises actions are unfair and may violate consumer protection laws. They are withholding my personal funds without justification, preventing me from accessing my own money. I kindly request the CFPB to review my case and assist in resolving this matter as soon as possible. 

I appreciate your time and assistance in this matter. Please let me know if any additional information is required. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
During my interactions with Rocket Mortgage representatives, I was informed that PMI would not be removed unless my XXXX reaches 70 % and then they changed it to 75 %. However, this is inconsistent with the HPAs legal requirements for PMI removal based on principal paydown. The 75 % XXXX requirement applies only when requesting PMI removal based on a new appraised value within the first XXXX years. Since my request is based on my original appraised value and principal paydown, the applicable threshold is 80 % XXXX, not 75 %. My current loan information is : Original Purchase Price/Appraised Value : {$600000.00} Current Loan Balance : {$480000.00} XXXX Based XXXX Original Value : 79.7 % ( Below the 80 % Threshold )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practice, which violate the Consumer Financial Protection Act ( CFFA ). 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 Funds Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate and redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ca XXXX XXXX ( XXXX ) XXXX XX/XX/year> To Whom It May Concern, I am writing to formally dispute a debt that has been reported on my credit report through XXXX XXXX. The debt, which is being reported by [ Debt Collectors Name ], is inaccurate, and I am requesting that it be investigated and removed from my credit report immediately. 

Additionally, the debt collector has been engaging in harassment by calling me almost daily and sending emails every other day, which violates my rights under the Fair Debt Collection Practices Act ( FDCPA ). Under 15 U.S. Code 1692c ( c ), I am requesting that all communication regarding this alleged debt cease immediately. If this debt collector fails to comply, I will consider further legal action.

Please investigate this matter and provide me with a resolution as soon as possible. If you require any further information, you may contact me in writing only at the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: MD

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: PA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 non-monetary relief