vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/year>, {$770.00} was withdrawn from my CashApp account at an ATM. This was not me nor was it authorized by me. I filed a dispute claim with CashApp support on XX/XX/year>. My dispute was denied, stating that their investigation found it to be authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: NY

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 since it seems that theyre not doing anything to resolve my issue. My name is 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 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 2025-01-09 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-01-09 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: NC

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 non-monetary relief
Consumer complaint received 2025-01-09 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
A series of charges was made to my Wells Fargo checking account dating as far back as XX/XX/year> that were not authorized to be debited from my account where my hard worked for funds were trusted to be held by WELLS FARGO bank

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 2025-01-09 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6900.00}

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND MY PERSONAL DATA WAS EXPOSED IN THE EQUIFAX XXXX BREACH. XXXX AND XXXX XXXX ALSO FAILED TO FURNISH FAIR AND ACCURATE INFORMATION ON MY CREDIT REPORT. HAVE NO KNOWLEDGE OF THE ALLEGED ADDRESSES, INQUIRIES, AND FRUADULANT ACCOUNTS ATTACHED TO MY FTC REPORT. PLEASE REVIEW FTC REPORT AND DELETE THESE ITEMS FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
Company phone banks are brushing me off about this. XXXX advertised " no ding decline '' ( ndd ) credit card offers. I applied for an ndd credit card offer from Wells Fargo advertised on the XXXX website on XXXX XXXX XXXX and they declined it and placed an inquiry on my credit report anyway. I think they will claim that I clicked on a different offer that happened to be prominently advertised on XXXX 's ndd page. When I go on to XXXX now they no longer have " no XXXX decline '' credit card offer on my profile but when I saw later versions of their ndd page I had to scroll past a heavily advertised " XXXX XXXX '' offer to see their ndd offers which were below the bottom of my screen. When my homeowner 's insurance renewed in XX/XX/XXXX my insurer said they could not offer me their lowest rate because of credit card balances and recent inquiries based on an XX/XX/XXXX credit report. I paid off my credit cards and was being careful to keep inquiries off of my credit report so I could search for cheaper insurance when it renewed on XX/XX/XXXX. My insurance went up but they did not say it was not their lowest rate this time. I was unable to compare insurance offers because other insurers would be looking at reports that included that inquiry.

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 2025-01-09 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 RECENTLY LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THESE ACCOUNTS ARE HURTING MY ABILITY TO OBTAIN CREDIT. PLEASE REMOVE THESE ACCOUNTS AND SEND ME A COPY OF AN UPDATED CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Access Receivables of NC Inc.
State: VA

Complaint narrative:
ACCESS RECEIVABLES IS REPORTING AN ACCOUNT ON MY CONSUMER REPORT THAT IS UNKNOWN, UNVERIFIED AND INACCURATE. THIS IS A CLEAR VIOLATION OF THE FCRA AND FDCPA. I AM REQUESTING THAT THIS NEGATIVE ITEM BE REOVED FROM MY CONSUMER REPORT IMMEDIATELY WITHIN 7 DAYS FROM THE DATE OF THIS COMPLAINT ( XXXX ) THROUGH THE CFPB. IF THE ACCOUNT HAS NOT BEEN REMOVED, AND IT IS STILL REPORTING ON MY CONSUMER REPORT ON ( XXXX ) I WILL BE SEEKING FOR DAMAGES UNDER THE FCRA & THE FDCPA ( PUNITIVE & STATUETORY ) FOR EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ( UP TO {$1000.00} FOR EACH VIOLATION AND FOR EACH MONTH THIS DEBT HAS BEEN REPORTING ) EVEN IF YOU ARE CONTRACTED TO COLLECT FOR A COMPANY, I WILL SEEK ACTION AGAINST YOU & YOUR COMPANY ( ACCESS RECEIVABLES ) BECAUSE YOUR COMPANY IS REPORTING THE ACCOUNT ON MY CONSUMER REPORT. SO DO NOT TRY TO SEND AN EXPLENATION TELLING ME YOU WERE ACTING ON BEHALF OF YOUR CLIENT. I WILL TAKE ACTION IMMEDIATELY. ( I REMIND YOU THAT REPORTING A DEBT TO A CRA AFTER A CEASE ALL COMMUNICATION REQUEST IS A FORM OF COMMUNICATION ) ( DELETE THE ACCOUNT IMMEDIATELY OR LEGAL ACTION WILL BE TAKEN ) YOU HAVE XXXX  DAYS, THEN I WILL SEEK THE MAXIMUM REMEDY FOR DAMAGES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: IL

Complaint narrative:
CFPB Complaint Submission ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Experian, and XXXX ) Date : XX/XX/XXXX Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX Complaint Description : I am submitting this complaint regarding the inaccurate reporting of a charged-off account by XXXX XXXX XXXX XXXX to Experian and XXXX, which has caused significant harm to my credit profile and financial reputation. 

The account in question was charged off by XXXX XXXX XXXX XXXX in XX/XX/XXXX, yet it continues to be reported as charged off repeatedly for subsequent months and years, despite no payments or activity on the account. This ongoing reporting is inaccurate and misleading, and violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Furthermore, XXXX XXXX XXXX XXXX  has failed to validate the debt despite my formal disputes with Experian and XXXX. Both credit bureaus verified the account without providing a method of verification, violating 15 U.S.C. 1681i ( a ) ( 7 ). 

Additionally, XXXX XXXX XXXX XXXX has securitized their receivables as disclosed in their XXXX filing with the SEC. This suggests that XXXX XXXX may no longer legally own the debt and lacks the authority to report it as a charge-off. If the debt was sold, it should not continue to be reported under their name. 

Specific Violations : XXXX. Failure to Verify Debt Ownership : XXXX XXXX XXXX XXXX  has not provided sufficient documentation to validate the charged-off debt. The credit bureaus have verified the account without proper verification, in violation of the FCRA. 
XXXX. Inaccurate and Inconsistent Reporting : The account shows inconsistent balances across Experian and XXXX. Experian reports a balance of {$1300.00}, while XXXX reports {$0.00}. This is further evidence of inaccurate and unverifiable information being reported. 
XXXX. Failure to Issue Form XXXX XXXX XXXX XXXX XXXX XXXX  charged off the account and likely took a tax deduction for the charged-off debt. However, I have not received a Form XXXX, which is required under IRS regulations for debts over {$600.00}. 
XXXX. XXXX XXXX XXXX Practices : The CFPB has recently sued Experian for sham investigations into credit disputes. This case reflects the same behavior, where Experian verified the account without proper investigation or validation. 

Evidence Provided : XXXX Credit Reports from Experian and XXXX showing repeated charge-off reporting. 
XXXX. XXXX Filing by XXXX XXXX XXXXXXXX XXXX  , proving securitization of receivables. 
XXXX. Debt Dispute Letters and Credit Bureau Responses, showing failure to provide proper verification. 
XXXX. IRS Form XXXX Submission to report potential tax violations by XXXX XXXX XXXX XXXX XXXX

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6900.00}

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 2025-01-09 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: NE

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: CO

Complaint narrative:
Re : Formal Complaint Regarding Retaliatory Debt Collection Practices by XXXX XXXX XXXX XXXX I am writing to file a formal complaint against XXXX XXXX XXXX XXXX and its representatives, XXXX XXXX, XXXX XXXX, and XXXX XXXX, in connection with retaliatory actions and improper debt collection practices related to my tenancy at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Background and Issues : Despite notifying the property management company about serious health concerns caused by mold in my rental unit, I was subjected to harassment and intimidation by the property management representatives. After attempting to resolve the situation by requesting relocation due to the mold, I was forced to move out for my health and safety. However, the property management company has since demanded significant fees for early lease termination and refused to return my security deposit. 

Concerns for Investigation : Retaliatory actions : The company is charging excessive move-out fees and has sent my debt to collections without prior notice, which I believe constitutes retaliation in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Violation of XXXX  Security Deposit Law and Potential Grand Theft : The company has failed to return my security deposit and did not apply the deposit toward the charges sent to collections. 

Given these serious concerns, I respectfully request that your office investigate these matters and take appropriate action to hold XXXX XXXX XXXX XXXX accountable for its actions, particularly regarding potential violations of the FDCPA and XXXX security deposit laws. 

Please let me know if any additional documentation is required. I am happy to provide further records, communications, and evidence to support my claims. 

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

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: GA

Complaint narrative:
To Whom It May Concern, I am writing regarding the referenced account listed under ( XXXX XXXX XXXX ) ACCT # ( XXXX ), which is currently being reported as a charge-off on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt.

Additionally, I am formally requesting confirmation on whether this debt has been canceled or forgiven. If it has been, I request appropriate documentation to that effect. According to IRS guidelines, creditors may issue a 1099-C form for canceled debts, regardless of balance, when specific criteria are met.

Please confirm whether this debt has been canceled and provide the appropriate documentation. If this debt has not been canceled, I request full validation, including but not limited to : -A copy of the original signed contract or agreement.

-A detailed account history showing how the balance was calculated.

-Proof that your organization has the legal right to collect this debt.

Failure to provide adequate validation or documentation of the debts status will be considered non-compliance under federal laws.

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 2025-01-09 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: NE

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-01-09 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: NY

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 since it seems that theyre not doing anything to resolve my issue. My name is 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 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 2025-01-09 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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