vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WESTERN ALLIANCE BANCORPORATION
State: VA

Complaint narrative:
HOA dues bill was received with a due date of XX/XX/XXXX. Nowhere on the bill did it advise that a payment was required prior to the due date. I paid the bill on XX/XX/XXXX and have a receipt confirming this. When I went to the website to pay, the website said the payment would take 5 days to post.This notice of needing advanced payment was not provided on the bill and is a unfair and deceptive practice. The company piled on late fees and sent notice on intent to put a XXXX on our property. I contacted the company about my concern and provided proof of on time payment, to which they responded that they did not care cause the on time payment I made did not post to their bank account until XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-10 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: KY

Complaint narrative:
I am filing this complaint against Square , Inc. due to their failure to properly investigate and resolve a case involving funds that are currently being withheld from me. 

I was scammed online by an individual named XXXX XXXX, who instructed me to open a Square account and send him a payment link for {$500.00}. He claimed the charge was for a legitimate service, and he paid using his card. However, after I began questioning his behavior and realized he may be a scammer, he turned on disappearing messages in XXXX and became unresponsive. 

Later, XXXX disputed the charge, claiming he did not authorize it despite being the one who initiated the request and instructed me to send the invoice. I have submitted all of my supporting evidence to Square before their stated deadline, including screenshots of our conversation and proof that XXXX not only requested the {$500.00} invoice, but also attempted to pay for additional invoices the same day. Those transactions were declined by the system, indicating a pattern of behavior on his part, not fraud on mine. 

Square has until XX/XX/XXXX to make a decision, but so far, I have not received any updates. My evidence clearly proves that XXXX knowingly made the payment and later attempted to manipulate the situation. I am asking the CFPB to intervene and ensure Square reviews the evidence fairly and releases my funds. 

The email relevant to this case is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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 OF TRAFFICKING AND EQUIFAX XXXX 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 AND TRAFFICKING. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX SERV # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX, XXXX # XXXX - Date Opened XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: NC

Complaint narrative:
Dear [ Experian/Equifax/TransUnion ] , I am writing to formally dispute unauthorized or inaccurate hard inquiries listed on my credit report. I recently obtained a copy of my credit report and noticed the following inquiry ( ies ) that I do not recognize or did not authorize : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX via TRANSUNION INTERACTIVE XXXXXXXX, XXXX/XXXX/XXXX XXXX XXXXXXXX via TRANSUNION XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 via XXXX XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and provide evidence of my authorization for these inquiries. If you can not provide such documentation, I request that the inquiries be removed from my credit report immediately. 

Please complete this investigation within the 30-day period as required under the FCRA and inform me of the results in writing.

Attached are copies of my ID and proof of address to help verify my identity.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Account name XXXX XXXX XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX I File a dispute XXXX XXXX ) that that I paid monthly, and then paid off w/ {$5000.00} of my XXXX bonus money XXXX oXXXX XXXX. They seem to keep it the same negative reporting once dispute was responded to.

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 2025-05-10 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am writing to formally dispute a fraudulent charge on my credit card account Account Number : XXXX. I did not authorize the transaction described below and request that it be removed from my account immediately. 

Details of the fraudulent transaction : Date of transaction : XX/XX/year> Merchant name : BARCLAYS BANK DELAWARE Amount charged : {$0.00} I became aware of this unauthorized charge on [ Date you noticed the charge ] when reviewing my credit card statement. I have no knowledge of this transaction and did not authorize anyone to use my credit card for this purchase. I suspect that my account may have been compromised and am taking the necessary steps to protect my identity.

In accordance with the Fair Credit Billing Act ( FCBA ), I am requesting that you investigate and resolve this matter promptly. Please confirm in writing that the charge has been removed and that my account has been credited for the disputed amount. 

Enclosed are copies of [ supporting documents such as your statement with the charge highlighted, a fraud affidavit, or any correspondence related to the dispute ]. 

Please acknowledge receipt of this letter and keep me informed of the progress and outcome of your investigation. I appreciate your prompt attention to this matter. 

Sincerely, 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 2025-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am a victim of a false foreclosure in XXXX by Wells Fargo Bank within the time period under the XXXX Consent Order issued by XXXX XXXX and XXXX XXXX. XXXX XXXX " declined '' to answer my letter proving that I was victimized with evidence. Wells Fargo attempted to bribe me by issuing a check on XX/XX/XXXX to make me accept {$1300.00} as a final settlement under their own arbitration company.. I did not cash the check.so there was no settlement before the XXXX Consent Order was terminated in XXXX. In addition, Wells Fargo did not comply with the Consent Order because they failed to identify me as a victim to CFPB enforcement. Instead, they thought I would accept their bribe money after 7 years and go away. Even though the Consent Order is terminated the matter remains unsettled. I need to be made whole for the steal. According to XXXX, my home is currently valued at {$730000.00}. 

The CEO XXXX XXXX who declined to communicate with me stated : Today 's termination, along with the recent closure of other consent orders, demonstrates that we have completed much of our common risk and control infrastructure work, including work that is required by other orders Could Wells Fargo explain the following? 
1. How has Wells Fargo complied with the terms and conditions of the Consent Order?

2. How has Wells Fargo demonstrated their entitys compliance position is satisfactory in the institutional product line ( IPL ) or compliance area ( e.g., fair lending ) for which the Order was issued?

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 2025-05-10 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: CA

Complaint narrative:
This CFPB complaint is submitted in accordance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to formally request that Experian block and delete the fraudulent and unauthorized accounts listed below from my consumer credit file within four business days of receiving this complaint. Additionally, under FCRA Section 611 ( 15 U.S.C. 1681i ), I dispute the accuracy of these accounts and demand a lawful reinvestigation and permanent removal as required by federal law. 

The following accounts are fraudulent and must be blocked from my credit report : A credit card account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX, with a balance of {$0.00} An auto loan account with XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$260.00} A credit card account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, with a balance of {$0.00} A credit account with XXXX XXXX XXXX XXXX XX/XX/XXXX, with a balance of {$0.00} Pursuant to FCRA Section 611, I am requesting complete reinvestigation results, including the method of verification used and physical proof supporting the accuracy of each of these accounts. Failure to provide this documentation constitutes prima facie evidence of fraudulent and inaccurate reporting and requires immediate deletion.

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 2025-05-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX, I had an appointment with U.S. Bank at XXXX XXXX XXXX XXXX, XXXX, OH XXXX to open an estate account. I provided XXXX XXXX XXXX ( Client Relationship Consultant, XXXX  # XXXX ) with the full probate packet issued and file-stamped by XXXX XXXX XXXX XXXX XXXX which clearly names my grandmother as the court-appointed executor. 

Despite submitting valid legal documents, U.S. Bank refused to open the estate account, claiming the paperwork was insufficienteven though the court confirmed that the documents are complete and valid. The XXXX XXXX XXXX XXXX verified that her name is listed as executor and that the paperwork was properly filed. 

This is not the first time Ive experienced issues with U.S. Bank, but this situation is especially concerning. They are disregarding official court documents, wasting my time, and creating barriers for families trying to manage estates. Their refusal to honor legally binding documentation is unacceptable and may reflect discriminatory practices, particularly against older clients and families managing probate.

I am requesting that this issue be escalated to U.S. Banks estate/trust department and that the branch be held accountable for failing to follow proper banking procedures related to estate 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 non-monetary relief
Consumer complaint received 2025-05-10 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: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : * Collections/closed XXXX XXXX XXXXXXXX {$290.00} XXXX XXXX XXXX {$470.00XXXX XXXX XXXX XXXXXXXX {$590.00} XXXX XXXX {$1400.00} XXXX XXXX {$750.00} XXXX XXXXXXXXXXXX XXXX {$660.00} XXXX Bank XXXX {$1200.00} XXXX XXXX XXXX {$480.00} Inquiries XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/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 2025-05-10 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: EQUIFAX, INC.
State: DE

Complaint narrative:
Subject : Failure to Complete Investigation Within 30 Days Immediate Deletion Request ( XXXX XXXX XXXX, Account # XXXX ) To Whom It May Concern, I am demanding the immediate deletion of the XXXX XXXX XXXX tradeline ( Account # XXXX ) from all consumer credit reports due to the credit bureaus failure to complete a reinvestigation within the 30-day time frame required by the Fair Credit Reporting Act ( FCRA ). 

I submitted my formal dispute to Experian, Equifax, and TransUnion on XX/XX/XXXX, and all three received it by XX/XX/XXXX. As of today ( XX/XX/XXXX ), no verified investigation results, deletions, or adequate responses have been provided in direct violation of FCRA 611 ( a ) ( 1 ) ( A ). 

Ongoing FCRA Violations Include : -Failure to conduct and complete a lawful investigation within 30 days. 
-No response to my request for the Method of Verification under FCRA 611 ( a ) ( 7 ).

-Continued reporting of conflicting and materially inaccurate data in violation of FCRA 607 ( b ) ( maximum possible accuracy ).

-Reporting unverifiable information in violation of FCRA 611 ( a ) ( 5 ) ( A ), which mandates deletion if data can not be verified.

Specific Discrepancies Include : -Contradictory statuses : " Charged Off, '' " Profit & Loss Write-Off, '' and Unpaid Balance Reported as a Loss. 
-Inconsistent dates of last activity : XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 
-Reporting a closure date before the dispute was filed. 
-Payment history and balance data that conflict across bureaus. 
- XXXX XXXX  monthly payments reported despite alleged delinquency and no consistent payment history. 

Because the account remains unresolved and unverifiable, any continued reporting constitutes willful noncompliance and could result in legal consequences under FCRA 616 ( civil liability for willful noncompliance ) and 617 ( negligent noncompliance ).

I am requesting the following relief : Immediate deletion of the disputed tradeline from all reports.

Written confirmation of deletion within 15 calendar days of receipt.

If this account is not deleted promptly and in full, I will escalate this matter by : Filing a formal complaint with the Federal Trade Commission ( FTC ), Continuing my complaint through the Consumer Financial Protection Bureau ( CFPB ), And pursuing legal action for actual and statutory damages under applicable FCRA provisions. 

Please find attached my original dispute ( XX/XX/XXXX ), all supporting documentation, proof of ID and address. I am exercising my rights under federal law and demand full compliance. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: DE

Complaint narrative:
Subject : Failure to Complete Investigation Within 30 Days Immediate Deletion Request ( XXXX XXXX XXXX, Account # XXXX ) To Whom It May Concern, I am demanding the immediate deletion of the XXXX XXXX XXXX tradeline ( Account # XXXX ) from all consumer credit reports due to the credit bureaus failure to complete a reinvestigation within the 30-day time frame required by the Fair Credit Reporting Act ( FCRA ). 

I submitted my formal dispute to Experian, Equifax, and TransUnion on XX/XX/XXXX, and all three received it by XX/XX/XXXX. As of today ( XX/XX/XXXX ), no verified investigation results, deletions, or adequate responses have been provided in direct violation of FCRA 611 ( a ) ( 1 ) ( A ). 

Ongoing FCRA Violations Include : -Failure to conduct and complete a lawful investigation within 30 days. 
-No response to my request for the Method of Verification under FCRA 611 ( a ) ( 7 ).

-Continued reporting of conflicting and materially inaccurate data in violation of FCRA 607 ( b ) ( maximum possible accuracy ).

-Reporting unverifiable information in violation of FCRA 611 ( a ) ( 5 ) ( A ), which mandates deletion if data can not be verified.

Specific Discrepancies Include : -Contradictory statuses : " Charged Off, '' " Profit & Loss Write-Off, '' and Unpaid Balance Reported as a Loss. 
-Inconsistent dates of last activity : XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 
-Reporting a closure date before the dispute was filed. 
-Payment history and balance data that conflict across bureaus. 
- XXXX XXXX  monthly payments reported despite alleged delinquency and no consistent payment history. 

Because the account remains unresolved and unverifiable, any continued reporting constitutes willful noncompliance and could result in legal consequences under FCRA 616 ( civil liability for willful noncompliance ) and 617 ( negligent noncompliance ).

I am requesting the following relief : Immediate deletion of the disputed tradeline from all reports.

Written confirmation of deletion within 15 calendar days of receipt.

If this account is not deleted promptly and in full, I will escalate this matter by : Filing a formal complaint with the Federal Trade Commission ( FTC ), Continuing my complaint through the Consumer Financial Protection Bureau ( CFPB ), And pursuing legal action for actual and statutory damages under applicable FCRA provisions. 

Please find attached my original dispute ( XX/XX/XXXX ), all supporting documentation, proof of ID and address. I am exercising my rights under federal law and demand full compliance. 

Respectfully, 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 2025-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: IL

Complaint narrative:
My personal and financial data was compromised violating FERPA.

Company response to consumer: Closed with explanation