vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally address a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, and the federal statute against identity fraud, 18 U.S.C. 1028A. All 3 major CRAs have obtained and reported my consumer credit information without my express written authorization, constituting an impermissible purpose violation.

Upon investigation, I discovered that the U.S. Bankruptcy Court for the Western District of New York does not provide information directly to Experian, TransUnion, or Equifax and is not an affiliate of any of the three major consumer reporting agencies. Therefore, your acquisition of my consumer report lacks lawful justification and constitutes an unlawful act under federal law. 

Furthermore, the XXXX scoring model considers bankruptcies only when they involve a monetary value of {$100.00} or more. However, my case was dismissed before a plan was confirmed by a Judge and a value attached to the case, meaning it holds no monetary value to allow reporting under the XXXX scoring model. Despite this, Experian, TransUnion and Equifax continue to report the dismissed case, potentially causing me financial harm for the next XXXX to XXXX years. This action demonstrates reckless disregard for the truth and an intentional misrepresentation of my financial standing, which could negatively impact my ability to obtain credit, employment, or housing. 

A dismissed bankruptcy doesn't constitute reporting the public record when it goes against the XXXX scoring model and what is considered for Bankruptcies over {$100.00}. 

I also attached the letter of my other concerns, I am still waiting for Experian to reply to the other complaint that is still open. This letter goes over the inaccurate reporting of charge-off accounts. I've included IRS manual codes and case law to support my argument.

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 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I received a promo offer from XXXX Bread Cashback credit card by mail ( USPS ) that included a {$200.00} sign up bonus ( SUB ) after spending {$1000.00} in 90 days. Apparently, this card is managed by Commenity and run on the XXXX platform? I applied for the card in XXXX, and met the spend level on XX/XX/XXXX. When the SUB did not post on the next statement, I contacted the company via message on their website to ask when I should expect to receive the SUB. On XX/XX/year>, I was received a response that said the bonus may take " up to XXXX billing cycles to be added. '' When I did not receive the bonus by the next statement, I reached out by message again. They responded asking me to call and gave me a phone number. I called the number on Saturday, XX/XX/XXXX and was promised the {$200.00} Sign up bonus would be added to my rewards account " by the end of the month. '' On XX/XX/XXXX, I called again to inquire about the signup bonus I had STILL not yet received. I was told " someone is working on it. '' I have been more than patient enough as this company has given me the run-around and false promise after false promise. I will attached original paperwork to this report, as well as correspondence I've had via the message app on their website. 
This credit card company needs to honor the SUB offer and post {$200.00} to my rewards balance. At this point, I believe there should also be a punitive reward to compensate for the time, frustration, lies, and hit to my credit score, as I never would have opened this credit card if I knew they were going to refuse to honor the SUB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
The closing statements agreed upon by Wells Fargo and my self states that Wells Fargo is not to deduct the monthly mortgage payment from my account until the XXXX of each month this began on XX/XX/XXXX. Wells Fargo has not complied with the contract on numerous occasions and I have previously file a complaint with the CFPB and the response from Wells Fargo has been to blame my bank. This is my final complaint to the CFPB. I want to get a response Home Mortgage. Wells Fargo Is harassing me due to the number of complaints I have filed. The XXXX XXXX Mortgage holders are being duped, Actions that should have been fully investigated years ago. Over paying interest, Wells Fargo made the decision to combine an entire state of Ohio, no matter when property taxes are due and send out escrow shortages notices, bases on inaccurate dates. Wells Fargo receives the new property tax rates in XXXX of each year for the following year. but send out escrow shortage notices in XXXX for the entire state and calculated to be due in XXXX, ENCLOSED YOU WILL FIND THE FOLLOWING : XXXX. Closing statement dated XX/XX/XXXX showing first monthly mortgage payment in due ON OR AFTER XX/XX/XXXX. 
XXXX. Confirmation of monthly monthly electronic withdrawal with first withdrawal XX/XX/XXXX and continuing each month thereafter. 
XXXX. Wells Fargo submitted the ACH payment to my bank on XX/XX/XXXX XXXX. XXXX XXXX deducted the funds from my account on XX/XX/XXXX XXXX. XXXX XXXX sent me confirmation that the funds were deducted from my account on XX/XX/XXXX. ( See email date XX/XX/XXXX ) XXXX. Wells Fargo - Criminally mailed me a statement which Wells Fargo date as XX/XX/XXXX as if Wells Fargo actually deducted the funds on XX/XX/XXXX. This is a lie. And Wells Fargo Has done this before. 
XXXX. Please note on the Wells Fargo XXXX, " ON OR AFTER XX/XX/XXXX, A LATE CHARGE OF {$32.00} MAY APPLY '' There is no need for Wells Fargo to ever, ever deduct via XXXX any funds from my account prior to the XXXX of the month, other than to harass me. this is a blatant breach of the contract. This is all intentional. If there is another breach it will result in a legal action. Proof is proof. I am sick of Wells Fargo. Enough is Enough. I intentional chose the XXXX to coincide with my retirement funds. I can not have Wells Fargo causing me to incur insufficient funds just to get back at me. A contract is a contract.

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 2025-02-04 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: VA

Complaint narrative:
My personal information was breached in the Equifax data breach. Adverse information was furnished to my consumer XXXX report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in 4 business days according to the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: NC

Complaint narrative:
Due to the multiple data breaches across the country, including the exposure of personal information such as my Social Security number, unauthorized accounts were opened in my name. As a result, my credit report was negatively impacted, and I was recently denied a mortgage while trying to purchase a home. All unauthorized accounts have been listed in this report for further review and action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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 am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX. XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2025-02-04 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: NJ

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX 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 2025-02-04 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX 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 non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I sent a letter to the debt collector asking for validation XX/XX/year>, I haven't received anything to date. i do know they received the letter ; it is reflecting my credit report that it's in dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: CL Holdings LLC
State: CO

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX Ct ] [ XXXX, CO XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/2025 ] Dear Sir/Madam, I am writing to formally dispute the following information on my credit report. I have reviewed my report and found an inaccuracy that I believe requires immediate correction. The information I am disputing is : Account Name/Number : Jefferson Capital Disputed Item : Did not open an account with that agency.

Reason for Dispute : Did not accept terms to that vendor for debt.

Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this issue and correct the discrepancy. I have attached relevant documents to support my claim, including [ list any supporting documentation like payment receipts, bank statements, letters, etc. ]. 
Please investigate this matter and provide me with the results within 30 days, as required by law. I would also appreciate it if you could provide me with a copy of the updated credit report once the investigation is complete. 
Thank you for your prompt attention to this matter. If you need additional information or documentation, please do not hesitate to contact me. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: FL

Complaint narrative:
Between cash app and XXXX  several disputes were denied due to lack of information, at one point my banking account that was linked was shut down due to fradualent transaction linking from cash app!! I've always given supporting documents as well as times and dates, in whichnn bm I can gather AGAIN once the time is necessary!! They deny your disputes rather it's proven to be a scam/fraudulent activity!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Per the FCRA as a federally protected consumer I am now opting out of any and all authrization I the consumer may have given you written, unwritten, verbal and non verbal per 15USC 6802 and privacy act of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Equifax, alleging systemic issues such as failed to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed these accounts.

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 2025-02-04 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Re : Dispute of Credit Report Information Under 15 U.S. Code 1681o To Whom It May Concern, I am writing to dispute an item on my credit report that I believe to be inaccurate and is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the information contained in my credit report is incorrect and has caused harm to my creditworthiness.

I request that you promptly investigate the matter and correct or remove the erroneous information as required by law. Under 15 U.S. Code 1681o, a consumer may seek damages for negligent violations of the FCRA, including any damages caused by inaccurate information reported to consumer reporting agencies. I am requesting that you conduct a thorough investigation of the information in question and provide me with a copy of the results. 

Please be advised that, according to FCRA guidelines, you are required to conduct a timely and reasonable investigation of any disputes, typically within 30 days of receiving this letter. If you determine that the information is inaccurate, I request that it be corrected or deleted from my credit report. I also ask that you provide me with a written response indicating the actions taken regarding my dispute. 

In addition to the above, I would like to remind you of your legal responsibility to ensure the accuracy and integrity of the information reported to consumer credit agencies. Should you fail to resolve this dispute in a timely and accurate manner, I may seek legal remedies available under 15 U.S. Code 1681o, including pursuing damages for any harm caused by the negligent reporting of incorrect information.

Please notify me as soon as your investigation is complete. I look forward to your prompt resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: Avant Holding Company, Inc.
State: TX

Complaint narrative:
Re : Dispute of Credit Report Information Under 15 U.S. Code 1681o To Whom It May Concern, I am writing to dispute an item on my credit report that I believe to be inaccurate and is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the information contained in my credit report is incorrect and has caused harm to my creditworthiness.

I request that you promptly investigate the matter and correct or remove the erroneous information as required by law. Under 15 U.S. Code 1681o, a consumer may seek damages for negligent violations of the FCRA, including any damages caused by inaccurate information reported to consumer reporting agencies. I am requesting that you conduct a thorough investigation of the information in question and provide me with a copy of the results.

Please be advised that, according to FCRA guidelines, you are required to conduct a timely and reasonable investigation of any disputes, typically within 30 days of receiving this letter. If you determine that the information is inaccurate, I request that it be corrected or deleted from my credit report. I also ask that you provide me with a written response indicating the actions taken regarding my dispute.

In addition to the above, I would like to remind you of your legal responsibility to ensure the accuracy and integrity of the information reported to consumer credit agencies. Should you fail to resolve this dispute in a timely and accurate manner, I may seek legal remedies available under 15 U.S. Code 1681o, including pursuing damages for any harm caused by the negligent reporting of incorrect information.

Please notify me as soon as your investigation is complete. I look forward to your prompt resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filling a complaint against Cash App ( Block inc ) due to inadequate customer service and unfair practices which violates the Consumer Protection Act. Specifically Cash app failed to make 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 and regulation E. These actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Shellpoint Partners, LLC
State: MS

Complaint narrative:
Property went under contract in XX/XX/year>. I have been requesting proof of title several times and they refuse to give it to me. I have called, faxed, and emailed. This is causing a financial problem as the buyers bank will not proceed with loan application without it. I have been as patient as I can be with them and done everything they have asked of me and still they have not produced the proof of title. They say I can only get it when its pd off. I have explained repeatedly that Im not asking for the original title. I understand completely that it will be issued after sell. I am only asking for a copy of proof of title. This should not be this difficult. The company Shellpoint mortgage will not even give me a number to the title department or the name of the title company if 3rd party.

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