vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello the information provided details a past Wells Fargo Home mortgage account, Sold in XXXX of XXXX  while in pre foreclosure. I was made aware of active remediation proceedings with potential assistance to homeowners during time period. Also covering information pertaining to wrongful foreclosures and denials of Home modifications, This unfortunately was the situation I faced. I'd like more information on this matter and would also be willing to provide any additional information necessary required for review, Thank you you for the time and effort.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 explanation
Consumer complaint received 2025-03-04 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: Block, Inc.
State: NY

Complaint narrative:
On XXXX XXXXXX/XX/XXXX @ XXXX pm, XXXX unauthorized ATM withdrawals were made on my cashapp account. {$200.00} @ XXXX pm, {$200.00} @ XXXX pm, {$200.00} @ XXXX pm and {$200.00} @ XXXX pm. 

I reached out to cashapp to resolve the issue on by requesting a review of the unauthorized ATM withdrawals. I submitted my request through the app on Saturday XX/XX/XXXX when I noticed my account was being compromised. I spoke to customer service and ordered a new card. 

On XX/XX/XXXX Cashapp denied my request for reimbursement. I have made several calls to speak to a supervisor. Cash app has denied my request and not shown proof for denying my refund. Ultimately Cashapp has denied my request for a refund and documentation for proof. 
The transactions that were made were done in XXXX as I gathered from cashapp. I do not live in XXXX The companies name is ( XXXX XXXX ) and it is located in XXXX. 

I have emails as proof of these interactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: AZ

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax is putting false information not deleted accounts that's been deleted and disputed already and have not removed it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was a victim of identity theft and I asked all 3 credit agencies to do a proper investigation into these accounts and when found to be not mine which in fact the are not, I then ask for them to be removed expeditiously. Equifax did there investigation and removed these accounts. Mean while the other keep trying to tell me that this debt has been verified with no proof to show that it was and now they, ( trans union, and Experian have asked me for information in which o sent to them and still have not heard back nor have the fraudulent accounts been removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was a victim of identity theft and I asked all 3 credit agencies to do a proper investigation into these accounts and when found to be not mine which in fact the are not, I then ask for them to be removed expeditiously. Equifax did there investigation and removed these accounts. Mean while the other keep trying to tell me that this debt has been verified with no proof to show that it was and now they, ( trans union, and Experian have asked me for information in which o sent to them and still have not heard back nor have the fraudulent accounts been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: OK

Complaint narrative:
I checked my credit report today and was surprised to find inaccurate accounts listed for no apparent reason. I routinely review my report, but this time, there were unexpected errors. I tried refreshing my browser, hoping it was just a minor glitch, but the mistakes remained. Because of this, I am requesting a careful review of the documents I submitted so I wont have to deal with this concern again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
This morning, I came across incorrect accounts on my credit report and have no explanation for their presence. As part of my routine, I checked my report, but this time, there were unexpected inconsistencies. Thinking it might be a temporary issue, I refreshed my browser, but the inaccuracies persisted. Due to this situation, I am requesting a thorough examination of my submitted documents to ensure this is resolved once and for all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: OK

Complaint narrative:
This morning, I noticed incorrect accounts appearing on my credit report, and I have no clue how they got there. I regularly check my credit report, but this time, unexpected discrepancies showed up. I even refreshed my browser, thinking it might be a technical issue, but the errors remained. Given this problem, I request a thorough review of the documents I have provided so I can have peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: TX

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 XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXXXXXX  Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXXXXXX  Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : UNKNOWN # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am complaining for transactions that took place around XXXX XXXX and for which the company ruled several times against me without providing any justifications. The total amount is about {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: GA

Complaint narrative:
**Subject : Formal Dispute Under Fair Credit Reporting Act ( FCRA ) Fraudulent Account** To Whom It May Concern : I am writing to formally dispute the following information on my credit report under Section 623 ( b ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ). The accounts listed below are fraudulent, and I did not authorize their creation or access to my personal information. 

**Disputed Accounts : ** - [ XXXX XXXX XXXX XXXX XXXX XXXX **Reason for Dispute : ** Identity theft/fraud. I did not open this account or permit anyone to use my information. 

**Actions Requested : ** 1. Conduct a full investigation into this account.

2. Remove all fraudulent information from your records and notify all credit bureaus to delete it.

3. Provide me with written confirmation of the resolution.

4. Share copies of all documentation related to the accounts creation, including applications and transaction records. 

**Enclosures : ** - Copy of my government-issued ID. 
- Copy of [ Identity Theft Report/Police Report/FTC Affidavit ] ( if available ). 
- [ Additional evidence, e.g., fraud alerts, correspondence ]. 

As a victim of identity theft, I expect your prompt compliance with FCRA requirements. Failure to resolve this within 30 days may result in legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: GA

Complaint narrative:
**Subject : Formal Dispute Under Fair Credit Reporting Act ( FCRA ) Fraudulent Account** To Whom It May Concern : I am writing to formally dispute the following information on my credit report under Section 623 ( b ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ). The accounts listed below are fraudulent, and I did not authorize their creation or access to my personal information. 

**Disputed Accounts : ** - [ XXXX XXXX XXXX XXXX XXXX - **Reason for Dispute : ** Identity theft/fraud. I did not open this account or permit anyone to use my information. 

**Actions Requested : ** 1. Conduct a full investigation into this account.

2. Remove all fraudulent information from your records and notify all credit bureaus to delete it.

3. Provide me with written confirmation of the resolution.

4. Share copies of all documentation related to the accounts creation, including applications and transaction records. 

**Enclosures : ** - Copy of my government-issued ID. 
- Copy of [ Identity Theft Report/Police Report/FTC Affidavit ] ( if available ). 
- [ Additional evidence, e.g., fraud alerts, correspondence ]. 

As a victim of identity theft, I expect your prompt compliance with FCRA requirements. Failure to resolve this within 30 days may result in legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant Information : Name : XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, GA XXXX Subject : Request to Block Fraudulent Information Due to Identity Theft Complaint Summary : I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against the credit reporting agencies and data furnishers for failing to act on my repeated requests to block and remove fraudulent information from my credit report due to identity theft. 

Prior to last week, I attempted to access my credit profile but was informed by multiple representatives that I was unable to do so. This supports my claim of identity theft, as unauthorized accounts have been fraudulently opened in my name. Despite my efforts to correct my credit profile, the credit reporting agencies and data furnishers have failed to comply with federal laws, including the Fair Credit Reporting Act ( FCRA ). 

Issues Raised : Failure to Block Fraudulent Accounts : Despite providing an FTC Identity Theft Report ( # XXXX ) and a police report, the credit bureaus have not blocked fraudulent accounts as required under 15 U.S.C. 1681c-2. 

Failure to Provide Method of Verification : Under 15 U.S.C. 1681i ( a ) ( 6 ), I have requested the method of verification used to validate disputed accounts, yet no response has been provided.

Failure to Update Personal Information : My credit report contains outdated and incorrect personal information, which I have repeatedly requested to be updated. I demand : Full Name : Display only " XXXX XXXX. XXXX. '' Address : Remove outdated addresses and retain only " XXXX XXXX XXXX, XXXX, GA XXXX. '' Phone Numbers : Remove all outdated phone numbers. 

SSN & Date of Birth : Remove from public display. 

Employer Information : Delete all outdated employer listings. 

Failure to Safeguard Personal Information : My personal data was compromised due to multiple data breaches, including : The Equifax breach ( XXXX ) XXXX XXXX XXXX  ( XXXX ) The Experian breach ( XXXX ) These breaches exposed my Social Security number, date of birth, and credit history, leading to fraudulent account openings. 

Violations Cited : 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide the method of verification. 

15 U.S.C. 1681c-2 Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) Failure to safeguard my personal data.

15 U.S.C. 1681s-2 Failure of data furnishers to ensure accuracy in reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: GA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 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 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 XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: KS

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: KS

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 US Federal Trade Commission that all of 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