vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: IL

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

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 2025-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo XXXX XXXX for XXXX XXXX credit card. 
I called over the XXXX period to see why payment was late and the office was closed. Called around XX/XX/year> and was told the due date changed in XXXX. I received no notification. I pay every XXXX weeks to exceed the min due but was told that my payment now does not hit until after the statement processing date of the XXXX or some such nonsense.This, after never being late after payments of well over {$XXXX} throughout the year. This is a hit on my XXXX XXXX. 
Deceptive practice because my loan is interest-free and they want to accrue late charges before you catch it, if not checking the account every month, traveling, payments automatically being sent. They refunded XXXX fee of {$XXXX}, of XXXX late fees.

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 2025-01-22 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: MD

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding the inaccurate, unverified, and outdated information currently being reported on my credit reports by various creditors and collection agencies. As a consumer, I have the right to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ), and I believe the information outlined below violates these rights. 

Addresses and Employers : There are multiple discrepancies and outdated information regarding my previous addresses and employers that need to be corrected or removed : Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries are either incorrect or outdated and need immediate correction or removal from my credit reports. 

Negative Credit Information : The following accounts are being reported inaccurately or without proper verification : Charge-Offs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have reason to believe that the creditors and collection agencies reporting these accounts have failed to verify the accuracy of the information, as required under FCRA XXXXection 609 ( a ) ( 1 ) and Section 611. Additionally, I have not been provided with proper documentation to substantiate the validity of these debts. 

Request for Relief : I am requesting that the CFPB intervene and investigate these matters. Specifically, I ask for the following : An investigation into whether the creditors and collection agencies have complied with their obligations under the FCRA. 

Verification of all disputed information or its removal from my credit reports if verification can not be provided. 

Correction or deletion of outdated and inaccurate personal information, including addresses and employers. 

Please let me know if additional documentation is required to proceed with this complaint. I am prepared to provide any further information needed to support my claims. 

Thank you for your attention to this matter. I trust that the CFPB will act to ensure that my rights as a consumer are protected. I look forward to a prompt resolution of these issues. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-01-22 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: MD

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding the inaccurate, unverified, and outdated information currently being reported on my credit reports by various creditors and collection agencies. As a consumer, I have the right to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ), and I believe the information outlined below violates these rights. 

Addresses and Employers : There are multiple discrepancies and outdated information regarding my previous addresses and employers that need to be corrected or removed : Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries are either incorrect or outdated and need immediate correction or removal from my credit reports. 

Negative Credit Information : The following accounts are being reported inaccurately or without proper verification : Charge-Offs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have reason to believe that the creditors and collection agencies reporting these accounts have failed to verify the accuracy of the information, as required under FCRA Section 609 ( a ) ( 1 ) and Section 611. Additionally, I have not been provided with proper documentation to substantiate the validity of these debts. 

Request for Relief : I am requesting that the CFPB intervene and investigate these matters. Specifically, I ask for the following : An investigation into whether the creditors and collection agencies have complied with their obligations under the FCRA. 

Verification of all disputed information or its removal from my credit reports if verification can not be provided. 

Correction or deletion of outdated and inaccurate personal information, including addresses and employers. 

Please let me know if additional documentation is required to proceed with this complaint. I am prepared to provide any further information needed to support my claims. 

Thank you for your attention to this matter. I trust that the CFPB will act to ensure that my rights as a consumer are protected. I look forward to a prompt resolution of these issues. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 

Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX Account Number : XXXX Balance : {$0.00} Reason : This account is incorrectly reporting that I have 1 late payment. On my Equifax report there are XXXX late payments being reported. 

Account Name : XXXX XXXX  Account Number : XXXX Balance : {$11000.00} Reason : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

Account Name : XXXX Account Number : XXXX Balance : {$18000.00} Reason : This account is incorrectly reporting that I have XXXX late payments. On my Equifax report there are XXXX late payments being reported. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Balance : {$0.00} Reason : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$11000.00} Reason : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items are either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I am filling a complaint on cash app ( block, inc. ) Due to inadequate Customer service and unfair Practices, Which violate The consumer Financial protection act ( cfpa ). Specifically cash app Failed to take Timely An effective. 
Measures To prevent An address fraud on there platform, leavinf my account vulnerable and unprotected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
I disagree with the account listed below, which still appears on my credit, even after your investigation. I want this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. XXXX XXXX Account XXXX, In accordance with The Fair Credit Reporting Act. Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-01-22 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: TX

Complaint narrative:
I disagree with the account listed below, which still appears on my credit, even after your investigation. I want this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. XXXX XXXX Account XXXX, In accordance with The Fair Credit Reporting Act. Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
In XXXX of XXXX I received an unsolicited CashApp card. I called CashApp customer service and through several verification steps they sent me an email stating account had been closed but wouldn't give me any more info. 

On XX/XX/XXXX I received a 1099-K for payment party network fees of {$6400.00}. I called customer service explaining the situation and requested the 1099 be pulled back or corrected due to this being a fraudulent account. The representative was unhelpful and stated he could not assist as the account was closed and told me to talk to a tax advisor which I find hard to believe as the 1099 was printed after the account was closed. 

I tried to reply to the previous email I received in XXXX regarding the account being closed, and I received a reply stating I need to reach out through their app. Seeking other avenues of reaching out to CashApp for resolution in writing, it appears the only other way of reaching them is through their application ( which I do not have and will not download since I don't have an account with them ) or via social media. It is extremely frustrating as an account was setup in my name with my SSN and I am getting almost no assistance in the matter. They do not provide any customer support via email. 

I'm extremely curious of what XXXX steps were taken in establishing the account in my name. I would like assistance in getting the 1099 corrected/ removed as not to create an IRS tax issue for me. 

CashApp should have a policy and procedure in place to do no more harm to the individuals affected when an account is fraudulent ( i.e do not issue 1099 's on closed fraud accounts ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Foris DAX, Inc.
State: SC

Complaint narrative:
crypto.com is a giant scam, they charged me {$50.00} to access my funds, and there withdrawal limit is {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
Good day!

I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion has committed multiple violations of my consumer rights. First, these accounts were reinserted into my credit report without providing me proper notice as required under 15 USC 1681i ( a ) ( 5 ) ( B ). The Fair Credit Reporting Act mandates that if a previously deleted item is reinserted, the consumer must be notified within five business days, which did not occur in this case. This failure to notify constitutes a breach of my rights under federal law. 

Second, the disputed accounts are not reflected on my reports with XXXX and XXXX, raising serious concerns about the accuracy and reliability of TransUnions reporting practices. Under 15 USC 1681e ( b ), consumer reporting agencies are required to maintain the maximum possible accuracy of the information in credit reports. Reporting accounts that are inconsistent with other credit bureaus violates this standard and undermines the credibility of the data TransUnion provides. Furthermore, these actions may constitute willful noncompliance under 15 USC 1681n, which holds credit reporting agencies liable for knowingly violating the FCRA. The lack of proper reinsertion notification and the inaccurate reporting of accounts demonstrate gross negligence in adhering to the law. These violations not only affect my credit but also violate my rights as a consumer to fair and accurate reporting. I expect immediate corrective action to address these violations and a full investigation into TransUnions failure to comply with the Fair Credit Reporting Act.

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer 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 2025-01-22 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-01-22 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: MS

Complaint narrative:
Experience has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to finishers, 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 disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer

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