vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: CA

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo is fraudulently claiming to give customers a grace day for a negative balance. They are rigging their electronic banking system in order to charge a fee in accordance with their fine print, to have transactions come through after a previous negative has been paid on the same day right before the grace period ends for another transaction. 

That means the customer will not get a notification of the new balance and will have an overdraft fee, with no prior warning or chance to pay for the new balance. 

The issue is the new balance or charge would require a grace day that they promised but did not give. 

I recieved a notification for XXXX negative balance. I paid it before time ran out on the XXXX, through a XX/XX/XXXX transaction from my father between XXXX and XXXX well before XXXX. 

I never saw that a charge had been added on the account for XXXX dollars. If I had, I would have made sure they're was enough money to cover that amount. 

I am a caregiver that is on a tight budget. I am also on sick leave and can not cook. All of my budget goes towards food and housing. 

Wells Fargo waited to add the XXXX amount later and never sent me a notification of the new balance. When I called, they agreed that I would have a grace day to cover the XXXX dollars that they added to my account on the XXXX. 

I'm still not sure why I was charged a fee, when I followed their directions in order to avoid the fee and was promised a grace day for any other additional fees that came after the 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 2025-05-23 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-23 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: Ava Finance, Inc
State: OH

Complaint narrative:
Victim of identity theft, victim of XXXX XXXX XXXX XXXX, and incorrect information on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: Continental Finance Company, LLC
State: OH

Complaint narrative:
Victim of identity theft, victim of XXXX XXXX XXXX XXXX, and incorrect information on credit reports.

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 2025-05-23 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: CA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I own a condo which was bought in the XXXX. I am in the process of selling it but it still shows an outstanding XXXX XXXX XXXX from XXXX XXXX XXXX and XXXX XXXX XXXX ) entered XX/XX/XXXX, recorded XX/XX/XXXX XXXX XXXX of XXXX XXXX, in the amount of {$76000.00}. I understand XXXX entered into government conservatorship on XX/XX/XXXX. ( My records also show I had been paying my mortgage to XXXX Mortgage since XX/XX/XXXX, and the mortgage with XXXX was paid off in XX/XX/XXXX. I also received a XXXX  from XXXX. Please note XXXX is now " inactive. '' ) It appears this was around the time of banking crisis. There were many assignment/reassignment of XXXX of XXXX on my record. However, there does NOT appear to be a record of the servicing transfer between the mortgage companies from XXXX to XXXX, XXXX the outstanding XXXX XXXX XXXX  of XXXX remains XXXX my record. 

I wrote to FDIC for assistance, which then referred me to Federal Reserve, which then refers me to you. I would appreciate any assistance you could provide to advise how I can get the XXXX XXXX XXXX XXXX  off my record and resolved, or whom to contact. Thanks.

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 2025-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Important Information Regarding Your Chase Card Benefits Request XXXX XXXX Virginia XXXX XXXX XXXX XXXX Card Benefits Administration XXXX XXXX XXXX XXXX XXXX FL XXXX Product : Trip Cancellation XXXX Interruption Insurance... 

XXXX XXXX to XXXX XXXX XXXX Dear Chase Benefits Team, I am writing to respectfully request a reconsideration of my claim regarding a recent trip interruption. 

On XX/XX/year>, I arrived at the airport XXXX  depart for a trip XXXX  XXXX with my grandmother. I had booked our flights through the Chase XXXX XXXX on XX/XX/year>, XXXX as part of the booking process, I was required XXXX  upload both of our passport details. At the time of booking, there were no warnings or alerts regarding the validity of my passport, XXXX  the portal allowed the purchase XXXX proceed without issue. 

Upon attempting XXXX check in for our flight, I was informed by the airline agent that I could not travel because my passport, although still active ( expiring XX/XX/year> ), did not meet XXXX requirement for passport validity ( must be valid for at least XXXX months beyond the planned departure date ). Unfortunately, I was denied boarding. 

I am very frustrated because the Chase XXXX XXXX collected my passport information but failed XXXX flag this critical issue prior XXXX purchase. Had an alert or warning been provided, I would have taken immediate steps XXXX renew my passport before travel. Instead, the system allowed the booking XXXX proceed, leading me XXXX reasonably believe my documents were acceptable for the trip. 

Although I was able XXXX secure refunds for the flights XXXX excursions directly through the airlines and vendors, the hotel reservations remain nonrefundable. 

Therefore, I am requesting reimbursement for the nonrefundable hotel expenses only, related XXXX a trip I was unable XXXX complete due XXXX  a documented passport issue that the Chase XXXX XXXX did not adequately flag during the booking process. 

Also, after looking back at the dates, on the date that I purchased the airline tickets. The passport would not have been valid at that point in time so I do not know why the chase travel portal allowed the purchase XXXX proceed after I entered my passport information while initially booking the airline tickets. 

Thank you for your time XXXX consideration. I have attached supporting documents, including proof of booking, my passport photo, XXXX evidence of the denied boarding. 

Please let me know if any further documentation is required. 

Sincerely, XXXX XXXX Last XXXX digits of XXXX XXXX XXXX # : XXXX Claim Reference number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: FL

Complaint narrative:
I am filing this complaint because EXPERIAN failed to conduct a proper and reasonable reinvestigation of inaccurate information appearing on my credit report, in violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). Despite submitting a detailed dispute with supporting evidence on [ insert date ], the disputed account was either improperly verified, not corrected, or no meaningful investigation was performed. This failure has caused ongoing harm to my creditworthiness and may also violate other federal protections under the FDCPA, TILA, and DoddFrank 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 explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
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 XXXX  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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC XXXXg ( Section XXXX ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC XXXXc ( Section XXXX ( c ) ). 
Harassment under 15 USC XXXXd ( Section XXXX ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. CXXXXe XXXXb.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SC

Complaint narrative:
I am writing to formally dispute an account listed on my credit report that is associated with a location where I have never resided. This account is negatively impacting my credit standing, and I am requesting its immediate removal or correction. 

Please be advised that if this issue is not resolved promptly, I will be forced to consider additional actions, including reporting potential identity fraud or pursuing legal action for the continued reporting of false information.

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 2025-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App XXXX Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and XXXX XXXX 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 2025-05-23 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: AZ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of 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 explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TomoCredit Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint regarding TomoCredit, a financial services company that offers the Tomo Credit Card. I've requested services on XX/XX/year>. I've been trying to cancel services and get a refund since XX/XX/year>. 

Summary of Issues : 1. Unauthorized Charges : TomoCredit has taken money from my account without providing any services or delivering the promised credit card.

2. Unable to Cancel : I have attempted multiple times to cancel any subscriptions or financial connections with TomoCredit, but they refuse to acknowledge my requests or allow cancellation through their platform.

3. False Advertising : The company advertised a credit-building charge card that I would receive upon signing up. Despite completing all required steps, I never received a card or any form of service.

4. Ignored Communications : I have sent several emails to TomoCredit, all of which have been ignored. I have received no customer support or follow-up.

This experience has caused me financial harm and distress. I believe TomoCredit is engaged in deceptive marketing practices and possibly violating the FTC Act by making false representations and charging consumers without consent or service delivery. 

I am requesting the FTC investigate this company and take appropriate enforcement action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: CA

Complaint narrative:
I was impacted by a recent data breach, and fraudulent accounts have been placed on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please ensure these accounts are blocked and deleted within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX Account Number : XXXX * * * * * XXXX * *, Date Opened : XX/XX/XXXX, Balance : {$12000.00} Inquiries XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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:
I was impacted by a recent data breach, and fraudulent accounts have been placed on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please ensure these accounts are blocked and deleted within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX Account Number : XXXX * * * * * XXXX * *, Date Opened : XX/XX/XXXX, Balance : {$12000.00} Inquiries XXXX Date : XX/XX/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 2025-05-23 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: IL

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from 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 2025-05-23 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 2025-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-05-23 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: IL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDALENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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