vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
Around XX/XX/year>, I tried to use my credit card, but it was declined, and upon checking my online account, the credit card account was closed without any advance notification nor alerts. So I called the customer service to understand why my credit card account was closed suddenly because I had never missed the credit card payment balance nor I had any derogatory activity on my credit reports. I had always paid on time and many times, I paid off full credit card balance as I managed my credit card account very responsibly. 

However after all the attemps, Wells Fargo credit card customer service representatives were useless as they did not know why my account was closed, so I asked them to transfer me to a higher management, and even higher management team was not able to tell why my account was closed and asked me to wait for a letter explaining the reason. 

So I waited for a week, and finally received the attached letter indicating that " based on how [ I ] managed [ my ] account, iit has been deemed high risk and [ Wells Fargo ] mad a business decision to end the account relationship. '' I was thinking how in the world they determined how I manged my credit card account was " high risk? '' I never missed payment. I always paid the credit card account balance on time even in way advance from the due date or even before the billing periods were closed. I tried to figure this out with the customer service, but they were not able to help me to understand this statement. They kept saying per agreement, they could close account at any time at any reason and I signed up for it, but I kept saying it's too unfair because Wells Fargo forfeited the credit card rewards, but they could not help. 

So I explained that " high risk '' because I made too much rewards, and Wells Fargo unilaterally close the account to effectively stole my valid credit card reward amount without notifying the customer in advance nor without giving any reward redemption period? This got to be illegal doing this. This seems to be a modern theif by financial institutions like Wells Fargo.

Without any helps from Wells Fargo " customer service '' I have to rely on either State Attoney 's General office and/or this Consumer Financial Protection Bureau to get to the bottom of this and get my credit card reward balance back. 

Thank you.

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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
Complaint is all funds and moneys promised and reported to be returned. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX my payroll was compromised cashapp confirmed. Reported as returned. They didnt return anything to me Each time I called I was told they are working on it. Working on my last nerve

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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XXXX Wells Fargo took out {$4200.00} from my account for a product I did not authorize. Wells Fargo refused to give me any information on what account or where the product was. Hence I spent months researching this. On XXXX XXXX a XXXX XXXX suggested XXXX as mediation. While this number was under my asking price I agreed with it since the mediator heard me out Note nobody from Wells Fargo ever heard me out. I had about five different claims people who would not hear or just would say oh wow I didnt know that. It looks like Wells Fargo has a set amount that theyre giving people no matter what happened to them or what the circumstances are.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed all accounts reported and still the errors are not fixed.

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: 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: FL

Complaint narrative:
I have disputed all accounts reported and still the errors are not fixed.

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: Experian Information Solutions Inc.
State: TX

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 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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Received a letter stating information request was not legible they did not understand my request, and they failed to provide a current 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 2025-02-06 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: GA

Complaint narrative:
Received a letter stating information request was not legible they did not understand my request, and they failed to provide a current credit report

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: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I noticed collections accounts on my credit starting in XX/XX/XXXX. Since then I have been consistently a target of identity theft in states that I have never even visited. I've requested investigations into these and disputed the collections in XXXX, XXXX, XXXX and XX/XX/XXXX. I placed a fraud alert on my account at this time. The collections started up again in XXXX, XXXX, and XX/XX/XXXX. It was during this time I discovered one of the collections did not even use the correct spelling of my name. At that time I then discovered personal information that was incorrect and fraudulent was added to my credit report - addresses I have never lived at, phone numbers that didn't belong to me, and misspellings of my name as well as a huge number of inquiries. I called and had this removed but it took 30 days to remove even though I'd had a fraud alert placed. At this time I placed a 7 year extended fraud alert. I then found more collections dated in XX/XX/XXXX and another collections placed in XX/XX/XXXX. I do not understand how after the placement of these fraud alerts that I am still dealing with this. How are these companies allowed to check my credit with fraudulent information and process these through? Each bureau has a " credit lock '' option that costs {$24.00} a MONTH. So because my information was sotlen and theses buereaus are incompetent - I have to pay {$75.00} a MONTH to protect myself? So they are not incentivized to ensure I am protected. They are very likely selling my information to ensure they line their own pockets through fake monitoring.

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: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I noticed collections accounts on my credit starting in XX/XX/XXXX. Since then I have been consistently a target of identity theft in states that I have never even visited. I've requested investigations into these and disputed the collections in XXXX, XXXX, XXXX and XX/XX/XXXX. I placed a fraud alert on my account at this time. The collections started up again in XXXX, XXXX, and XX/XX/XXXX. It was during this time I discovered one of the collections did not even use the correct spelling of my name. At that time I then discovered personal information that was incorrect and fraudulent was added to my credit report - addresses I have never lived at, phone numbers that didn't belong to me, and misspellings of my name as well as a huge number of inquiries. I called and had this removed but it took 30 days to remove even though I'd had a fraud alert placed. At this time I placed a 7 year extended fraud alert. I then found more collections dated in XX/XX/XXXX and another collections placed in XX/XX/XXXX. I do not understand how after the placement of these fraud alerts that I am still dealing with this. How are these companies allowed to check my credit with fraudulent information and process these through? Each bureau has a " credit lock '' option that costs {$24.00} a MONTH. So because my information was sotlen and theses buereaus are incompetent - I have to pay {$75.00} a MONTH to protect myself? So they are not incentivized to ensure I am protected. They are very likely selling my information to ensure they line their own pockets through fake monitoring.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Block, Inc.
State: MI

Complaint narrative:
Today @ XXXX in the afternoon I have been sitting over the phone with XXXX for an hour. The first wait time was supposed to be 3 mins, I waited at least 15 and the other wait period said 15 I waited longer than that. Not only that I had to tell them I was a victim in order to get the proper assistance that I needed. THE automated system didnt help me. They people gave me a number that didnt help. My membership is paid for and I still cant get into my account.

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: AZ

Complaint narrative:
Im reaching out because there are inaccurate items on my credit report that need to be addressed. The details of these errors are listed below : 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 XXXXXXXX - {$0.00} I have attempted several times to resolve these discrepancies by submitting disputes and providing the necessary documentation, yet no corrective action has been taken. Despite my repeated efforts, these errors remain on my report, negatively impacting my financial situation and causing undue stress. It is frustrating to keep dealing with these unresolved issues. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to a credit report that is both fair and accurate. I am asking you to take immediate action to verify and correct these mistakes. If you are unable to confirm their accuracy, they must be removed in compliance with federal law. I appreciate your prompt attention to this matter.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXXXXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Inaccurate Information on my credit report. 

Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. 
These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

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: 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXXXXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Inaccurate Information on my credit report. 

Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. 
These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: KY

Complaint narrative:
I am formally requesting the removal of the security freeze on my credit report. I placed this freeze for security reasons, but I now require access to my credit file for upcoming financial transactions. Please lift the freeze as soon as possible so that lenders can review my credit history. I have provided the necessary identification documents to verify my identity and facilitate this request. If a temporary unfreeze is an option, I request that my report be accessible from [ start date ] to [ end date ]. Please confirm once the freeze has been lifted or notify me if additional information is required. Thank you for your prompt attention to this matter.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity 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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my report, I noticed inquiries from different creditors which I did not authorize. I am concerned they may be linked to identity theft or fraudulent activity. I kindly request that you investigate these inquiries and remove them from my credit report if they can not be verified as authorized. I have attached my letter to the Bureaus and still these inquiries were still reported to my current report.

Company response to consumer: Closed with non-monetary relief
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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to a letter I received from the clerk of court, they do not report information to or remove information from credit bureaus. This contradicts the information currently listed on my report. 

Since the court does not verify or provide this data, I request that you investigate the source of this information and provide documentation verifying its accuracy. If you can not verify the bankruptcy with an original source, I ask that you promptly remove it from my credit file. 

I have attached a copy of the letter from the clerk of court for your review. Please update my records accordingly and provide written confirmation of your findings. 

Thank you for your prompt attention to this matter. I look forward to your response.

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