vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a complaint against these Bureaus a month ago, yet the erroneous information on my report persists. To my surprise, I have not received any communication from XXXX XXXX, and they have already closed my complaint. Could you clarify the rationale behind closing my complaint without addressing the issue? Have they acknowledged or verified my dispute? I require confirmation that they have thoroughly investigated the inaccuracies on my report and validated the accounts. Additionally, can you provide information on the verification methods employed? This situation is exceedingly frustrating, as it has been over 30 days since I filed the complaint, and I anticipated updates to these accounts by now. If they are not rectified promptly, I will be compelled to pursue legal action due to the significant stress this has caused. Furthermore, I am also worried about the security of my personal data, which was compromised in the Equifax, Experian, and XXXX data breach.

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 2025-03-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I currently have a collection in the amount of {$1800.00} I was not made aware of until XXXXXXXX XXXX XXXX when I went to look on my credit report and seen a collection agency I didnt recognize. I was not given notice by this agency nor the original lender as my ex spouse was responsible for this debt. I have called numerous times to settle this debt with the collector to no avail. I know by law 15 usc 1692 ( c ) states If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

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

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Someone close to me opened this account in my name. I have talked to capital one and they have sent it to a collection agency and do not want to deal with me regarding this fraudulent debt. 

Please remove this from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: Ava Finance, Inc
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  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 2025-03-03 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  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 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was a victim of fraud. On XX/XX/XXXX I withdrew {$100.00} from my checking account at the Wells Fargo ATM on XXXX XXXX in XXXX, California. As I approached my car, I was engaged by a man who said he thought that perhaps I had drop a {$20.00} bill when I was putting my money into my wallet after using the ATM. He handed me a {$20.00} bill that he said he had picked up and thought it might be mine. I checked my wallet and found that I did have the XXXX {$20.00} bills that I had withdrawn so I handed the {$20.00} bill back to him and he left. 

The next day, we were provided a notice from the bank that someone had attempted to withdraw funds from our checking account in XXXX California using my ATM card. I first checked my wallet to see if I had my ATM card and found that I had someone elses ATM card in my wallet and mine was no longer there. I then checked my checking account activity and found that shortly after my {$100.00} withdrawal there had been three unauthorized withdrawals totaling {$3700.00}. ( The three withdrawals were in the amount of {$900.00}, {$1000.00} and {$1800.00}. ) I immediately called Wells Fargo and reported these facts to them. I explained that I had no idea how this man had obtained my ATM card or my pin number. I advised Wells Fargo that Idid not have my pin number written down on the card or anywhere else. It was memorized. 

Wells Fargo conditionally returned the missing {$3700.00} to my account but on XX/XX/XXXX I received a letter from Wells Fargo advising that they had completed their research and based on the information available, they found the chargers were made by me or someone who had my permission. The letter also indicated that the {$3700.00} would be deducted from my account on XX/XX/XXXX. I immediately called Wells Fargo to ask for an explanation of what information they had relied upon in reaching their conclusion that I or someone who had my permission had withdrawn this money. The only substantive response to my question was the statement that they didnt see any errors. I talked with three people that day, but no one could explain any further as to what was meant by that statement. I assured them that I had not withdrawn the money and that I did not give anyone else permission to withdraw money from my account. I was eventually told that someone from EO would call me, but I have not as yet received any such call. 

My my ATM card and pin were somehow stolen from me and used to withdraw {$3700.00} from my account. I believe this is the banks responsibility under federal law. 
Ive been a valued customer of Wells Fargo bank since before XXXX and I am disappointed that they have refused to believe what I have told them about this incident.

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 monetary relief
Consumer complaint received 2025-03-03 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: TN

Complaint narrative:
I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX. I originally made Experian and the CFPB aware of the items below that were created as a result of Identity Theft on XX/XX/XXXX. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) after identifying the items below as information that resulted from identity theft and providing the required documentation, Experian should have blocked and removed these items no later than 4 business days after receiving the required information. Experian continues to violate my rights by reporting this information. I have attached appropriate proof of the identity, a copy of an identity theft report, the identification of such information related to the identity theft, and a statement by me, the consumer, that the information is not information relating to any transaction by me. I am also attaching proof that this information was submitted to you on XX/XX/XXXX. Delete and block this information according to FCRA 605B ( 15 U.S.C. 1681c-2 ). By continuing to report this information on my credit, Experian is violating my consumer rights under FCRA 605B ( 15 U.S.C. 1681c-2 ). 

Below are the accounts that STILL NEED TO BE BLOCKED AND DELETED per FCRA 605B ( 15 U.S.C. 1681c-2 ) : XXXX. XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX. XXXX XXXX XXXX XXXX XXXX Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$36000.00}. 
XXXX. XXXX XXXX XXXX  Secured Credit Card XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$960.00}. 
XXXX. XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$3500.00}. 
XXXX. XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$25000.00}. 
XXXX. XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$6700.00}. 
XXXX. XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$6300.00}. 
XXXX. XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$4900.00}. 
XXXX. XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$5500.00}. 
XXXX. XXXX  XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}.

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 2025-03-03 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: 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 : XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX 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 this fraudulent account 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, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is 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 this account. 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 explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I am filing this complaint against Bank of America , N.A . for failing to comply with a legally issued Writ of Garnishment in Case No. XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada. The bank has provided misleading information regarding the status of a bank account belonging to XXXX XXXX XXXX XXXX lawful debt collection efforts. This misrepresentation has delayed enforcement of a valid court order. 

On XX/XX/XXXX, Bank of America falsely stated in a notarized document that XXXX XXXX account was closed. However, on XX/XX/XXXX, a bank employee XXXX XXXX confirmed the account was still active and contained funds, directly contradicting the previous sworn statement and obstructing legal debt collection. 

The bank submitted multiple notarized documents with conflicting dates, showing improper documentation, raising concerns about fraudulent or deceptive practices. 

Bank of America remitted only {$830.00} from the account, withholding additional funds that should have been subject to garnishment, violating the courts directive. 

The bank misinformed the XXXX XXXX Constables Office that the account was closed, further delaying enforcement of the garnishment and obstructing lawful debt recovery.

Given these serious violations, I request an immediate investigation into Bank of Americas conduct. Specifically, I ask that : Bank of America be required to submit full financial records for XXXX XXXX accounts from XX/XX/XXXX, to XX/XX/XXXX. 

Ensure bank practices were not in violation of state and federal financial regulations. 

Ensure compliance with lawful subpoenas and court orders to prevent further obstruction of legal debt collection. 

Hold Bank of America liable for the full amount due under the Writ of Garnishment, given that misrepresentation of account status constitutes fraudulent interference with court-ordered collection. 

This complaint highlights serious legal and ethical breaches by Bank of America, resulting in financial harm to the judgment creditor and undermining trust in the financial systems compliance with judicial orders.

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 monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 6. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX 7. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent.

o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

8. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

9. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
10. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 2025-03-03 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: OK

Complaint narrative:
My personal information was shared with a third party without my authorization and exposed during a data breach. 

XXXX XXXX XXXX XXXX XXXX  The following was exposed to a third party such as Transunion, Equifax, and Experian

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 2025-03-03 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: OK

Complaint narrative:
My personal information was shared with a third party without my authorization and exposed during a data breach. 

XXXX XXXX XXXX XXXX XXXX  The following was exposed to a third party such as Transunion, Equifax, and Experian

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate costumer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I had an old Wells Fargo Account back in XXXX  which was closed and eventually charged off but they continue to report invalid data and that account should be removed from my credit report since its been over 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