vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I'm wellsfargo customer with checking account. On XX/XX/year> I receive direct deposit payment from my employer to cover my bills. WellsFargo held on to my direct deposit so they can apply two XXXX. XXXX dollars overdraft fees totaling XXXX dollars. I called wellsfargo customer service to try resolve XXXX dollar fees back to my account and they refused to rectify error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've filed disputes with XXXX, TransUnion and XXXX about a XXXX credit card on my credit file. This account should not be reporting on my credit with TransUnion, XXXX or XXXX. The credit bureaus have not done a thorough investigation because if so the account would be removed already. This account was sold in 2020 and I had to pay taxes on this sold account I received info from the IRS which includes this account. This is my last time reaching before I contact Fair Credit Act attorney. I've been patient the last update to my credit file was back in 2020. Why is this account still reporting please remove this account immediately.

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 2025-01-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I've filed disputes with XXXX, XXXX and Equifax about a XXXX credit card on my credit file. This account should not be reporting on my credit with XXXX, Equifax or XXXX. The credit bureaus have not done a thorough investigation because if so the account would be removed already. This account was sold in 2020 and I had to pay taxes on this sold account I received info from the IRS which includes this account. This is my last time reaching before I contact Fair Credit Act attorney. I've been patient the last update to my credit file was back in 2020. Why is this account still reporting please remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: AZ

Complaint narrative:
Subject : Request for Investigation of Potential FCRA and FDCPA Violations by XXXX XXXX XXXX XXXX and Experian 's Failure to Correct Inaccurate Information To Whom It May Concern, I am writing to request an investigation into potential violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by XXXX XXXX XXXX XXXX. I am also requesting an investigation into Experian 's failure to correct inaccurate information after I disputed it and provided supporting documentation.

My Experian credit report shows two collection accounts attributed to XXXX XXXX XXXX XXXX, both starting with the same partial account number : XXXX. One account reflects a balance of {$690.00}, while the other is marked as " paid. '' I believe these entries may violate the FCRA due to the following : Incomplete Account Numbers : Providing only partial account numbers hinders my ability to identify the original debts and verify their accuracy, potentially leading to confusion and inaccurate reporting. This lack of transparency may obstruct my ability to exercise my rights under the FCRA to dispute and investigate these entries.

Furthermore, the discrepancy between the two entries raises concerns about potential FDCPA violations : Misleading Information : The presence of two entries with the same partial account number, one " paid '' and the other with an
outstanding balance, creates ambiguity and may mislead me about my actual debt obligations. This could be construed as a deceptive debt collection practice.

Experian 's Failure to Correct Inaccurate Information I disputed these entries with Experian and provided documentation proving that the debt in question was paid in full. However, Experian failed to correct the inaccurate information, stating that they prioritize the information provided by the debt collector over the documentation I provided. This is a direct violation of my consumer rights under the FCRA, which mandates that credit bureaus conduct a thorough investigation and correct inaccuracies.

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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding Cash Apps failure to address fraudulent charges made on my account, the subsequent wrongful account closure, and the potential mishandling of my personal data.

Unauthorized charges appeared on my Cash App account. I promptly reported these charges to Cash Apps customer service and provided all necessary information to support my claim. Despite my timely report, Cash App failed to resolve the issue and reimburse the fraudulent charges. Shortly after, my account was closed without explanation or warning, leaving me unable to access my funds or transaction history.

Additionally, I am concerned about the mishandling or breach of my personal data. The fraudulent charges suggest potential security vulnerabilities within Cash Apps systems, which may have exposed my sensitive information to unauthorized parties.

The situation has caused significant financial and personal harm, including : The fraudulent charges depleted my available funds, leaving me unable to cover essential expenses such as rent, utilities, groceries, and gas.

The sudden loss of access to my account and the inability to resolve the issue with Cash Apps support has caused immense frustration, XXXX, and stress.

The potential exposure of my personal and financial data has left me vulnerable to further fraud or identity theft.

I had to spend significant time and energy trying to resolve the issue with Cash App, and I have been forced to find alternative payment methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation.

My accounts not investigated properly ; ending in XXXX, ending in XXXX, ending in XXXX, ending in XXXX, ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: DE

Complaint narrative:
I requested debt validation from debt collectors debt collectors provided invalid documentation for my signature. Instead provided printed name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MI

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 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Chime Financial Inc
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ga,XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Code Last 4 of SSN : RE : Account Number To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : [ XXXX ] [ XXXX ] Please delete any other references to names as they are not mine and I have never used any of them.

Address : Please be sure that my address is listed correctly. My address should read : [ XXXX XXXX XXXX ] [ XXXX, Ga, XXXX ] Employer : Phone Number ( XXXX  ) : Social Security Number : Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my ( Bank statement, utility bill, ID ) for your verification.

Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint against Trans Union for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Trans Union consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Trans Unions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Trans Union complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a compliant against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
it was different things added to my credit report I have the report and proof that they claim to take off of my equifax but they sent out a copy of the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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, CHALLENGEDORNOT.

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 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Dispute my submissions, XXXX consistently responds within 24 hours of stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a responsible investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation. This is the account that I have marked inaccurate. 
Top Line Dispute : XXXX Resolved XX/XX/XXXX Dispute : XXXX Resolved XX/XX/XXXX {$3300.00} Continues to 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 2025-01-23 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: NY

Complaint narrative:
I am filling a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Dispute my submissions, Experian consistently responds within 24 hours of stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a responsible investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with the federal law and provides consumers with the necessary proof of investigation. This is the account that I have marked inaccurate.

Top Line Dispute : XXXX Resolved XX/XX/XXXX Dispute : XXXX Resolved XX/XX/XXXX {$3300.00} Continues to 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 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion refuses to provide information from their investigations on any of my disputes. I was told that I needed to contact the collection company myself, even though they are reporting it as accurate. When I asked how did they verify and to provide the information used to determine the accuracy they have not done so

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 2025-01-23 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: GA

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandated a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumers Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-23 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
Within 24 hours of CFPB complaint XXXX being closed, Synchrony bank lowered another credit limit. This is retaliatory, targeted, systemic and XXXX behavior on the part of Synchrony Bank and yet since this practice is allowed in their terms and conditions, nothing is done about it. In the complaint above, my credit limit was cut in half in part due to Synchrony Bank stating I wasn't making a large enough monthly payment even though the monthly payment amounts exceeded the minimum. Synchrony stated it wanted to lower its risk because I wouldnt pay them in the future based upon their intuition, not my credit history showing otherwise. In this case, again within 24 hours of closing the above CFPB complaint for the same behavior, Synchrony has lowered another of my cards again making it appear as though I have maxed out my credit line.

This time i have a balance of {$1900.00} on the card so they lowered the credit limit to {$2000.00} even though the max credit line was {$2100.00}. The reasons for doing this did not include any history of late payments nor trouble paying any accounts but rather that I had too many inquiries for their liking and I didn't have a real estate account on my credit report. If this is not systemic, targeted, retaliatory or XXXX behavior... tell me what possible risk is being mitigated by lowering a {$2100.00} credit limit to {$2000.00}, 24 hours after closing the previous CFPB complaint and why is no one looking at these practices from Synchrony on a larger scale?

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