vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I've heard nothing from them as far as validating these items and I am actively attempting to contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX my husband 's account was notified by credit karma that his card was added to a new device that was the first alert. Then many more alerts came through with charges of fraud immediately after XXXX from XXXX XXXX from an ATM withdrawal that I have since disputed and appealed they are claiming historical activity matches but that makes no sense if they're really doing an investigation they sent the first alert saying that the card had been added to a new device. Multiple other charges tried to go through one at dollar general that was immediately stopped because the company thought it was fraud then allowed a refund for a {$16.00} charge that they decided was fraud. I don't understand how you can say charge is fraud and not the others when they were all done in the same city of XXXX Mississippi within minutes of each other. 
I have power of attorney of my husband 's account there's no way he could have authorized these charges he has been sitting in a California prison since XXXX of XXXX which I have provided documentation for as well. I don't understand how they're investigation works when they're the ones that initially said a new device was being used so I don't know how they have a historical claim and I have sent in documentation now stating when my husband got incarcerated in California prison which they could verify by using the California department of corrections website or calling. Nobody has authorized these charges I'm not sure if I need to get legal assistance at this time to move matter forward. I have since appealed there decision on the dispute since they based it on historical activity I would like proof that the same device was used to make these purchases. I would like to see what historical activity they have that matches.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
These companies are not genersting my credit score for lenders to be able to approve me for a mortgage my scores are not generating and not even for me to be able to see... I need my credit report nd score to become availabe immediatley so that I can live a normal life when trying to apply for credit and these companies are not complying

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 2025-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo was notified that my mother died in XXXX of XX/XX/XXXX after the second person on the loan died in XXXX XXXXThe remaining party on the loan did a home modification around XXXX and application stated that the other party was deceased. Wells Fargo was contacted by me several times between XXXX XXXX. The deceased male, that was on the loan, children also contacted Wells Fargo about refunding a payment that was taken out the bank account for the loan after he died. The authorization expired when this person died. They excluded the heirs [ last person that died ] from being a potential successor. I was added to the account to make payments and told that I was a potential successor. I Never received any paperwork to assume the loan [ transfer to me ] even after I brought the house out of foreclosure in XXXX. Never told about survivors deed that had been in place since XXXX. Notified Wells Fargo in XXXX that a non relative had filed paperwork in XX/XX/XXXX to illegally get the property. No action was taken by Wells Fargo, they would keep calling me to see when I would be making a payment. They never informed me that they would not be transferring the loan to me. They wanted me to pay for a house that my name had not been added to. Purposely failed to notify me about second foreclosure, that I was not a potential heir because my mother died first. However, I have been living at the property since XXXX. My mother 's name was never removed during the modification process. Wells Fargo Mislead me to obtain money for mortgage that they had no intentions to reassign to me.

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 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Block, Inc.
State: AL

Complaint narrative:
I use cash app as a primary bank. I have {$25.00} in overdraft protection. I used {$25.00} worth of overdraft protection on XX/XX/year>. On XX/XX/year>XXXX  I woke up to find my account over drawn by XXXX, thats a total of {$48.00}. My account only allows me to overdraft {$25.00} at any given time. Cash app purposefully processed transactions out of order so that it would over draft my account. They are not the first financial platform to do this, and they aren't allowed to do so. They are refusing to give me a reasonable explanation or to refund me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: Exeter Finance, LLC.
State: AL

Complaint narrative:
XXXX XXXX ( Charge-Off / XXXX XXXX XXXX ) Status : Charge-Off, derogatory from XXXX Violation : Unverifiable, excessive derogatories, reported post-dispute Legal Basis : FCRA 1681i ( a ), 1681s-2 ( b ), FDCPA 807 ( 8 ) 2. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Status : Closed ; 30-day lates in XXXX & XXXX Violation : Previously disputed, data unverifiable, incomplete investigation Legal Basis : FCRA 611 ( b ), 1681e ( b ), obsolete data >2 years 3. XXXX XXXX XXXX ( Closed Account/ XXXX ) Status : 30/60-day lates in XXXX Violation : Obsolete data, misreported terms, unverifiable loan terms Legal Basis : FCRA 602, 609 ( a ) ( 1 ) ( A ), 1681i ( a ) 4. XXXX XXXX XXXX ( XXXX / XXXX  ) Status : Charge-Off, 90-day lates in XXXX Violation : Account is over 4 years aged and unverifiable Legal Basis : FCRA 605 ( a ) ( 5 ), FDCPA 809 ( b ) 5. XXXX XXXX XXXX XXXX ( Charge-Off / XXXX ) Status : Charge-Off, 90+ days late in XXXX Violation : Over 2 years old, never validated with original records Legal Basis : FCRA 611 ( a ), FDCPA 807 6. Exeter Finance LLC ( Charged-Off Vehicle Loan / XXXX XXXX Status : Charge-Off ; no XXXX record Violation : XXXX XXXX, misreporting of status, incomplete history Legal Basis : FCRA 602, 611, 609 7. 01 XXXX  ( Collection / XXXX ) Status : Collection Violation : Unverified debt, no validation ever provided to consumer Legal Basis : FDCPA 809 ( a ), FCRA 609 ( a ) ( 1 ) ( A ) I reached out to this company. There was a time and nothing happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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 am a victim of ID theft. I have since then filed a police report and obtained an attorney to fight the person opening accounts in my name and letting them go to collections. Please see the attached police report and the legal letters from my attorney. Here is the list of the fraud accounts 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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 am a victim of ID theft. I have since then filed a police report and obtained an attorney to fight the person opening accounts in my name and letting them go to collections. Please see the attached police report and the legal letters from my attorney. Here is the list of the fraud accounts 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 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

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I had two unauthorized hits on my credit report this month from XXXX XXXX for a credit card and Barclays for a loan. XXXX blocked it because of credit lock but it was then obtained from XXXX. Its been difficult to find help to dispute via 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 2025-05-25 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:
Consumer Name : ( XXXX XXXX ) Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of CREDIT CARD ACCOUNT XXXX XXXX XXXX OPENED XX/XX/XXXX, INCLUDING XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX, DATE OPENED XX/XX/XXXX AND OTHER IDENTITY ACCOUNTS XXXX DATE OPENED XX/XX/XXXX, XXXX XXXX DATE OPENED XXXX that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-25 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:
Consumer Name : ( XXXX XXXX ) Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of CREDIT CARD ACCOUNT XXXX XXXX XXXX OPENED XX/XX/XXXX, INCLUDING XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX, DATE OPENED XX/XX/XXXX AND OTHER IDENTITY ACCOUNTS XXXX DATE OPENED XX/XX/XXXX, XXXX XXXX DATE OPENED XXXX that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: SC

Complaint narrative:
Its addresses attached to my ssn that Ive never lived at. The address on my license is where Ive lived for 31 years. Theres multiple accounts on my profile that are not validated debts. I also have late payments on my report for these fraudulent accounts if they are not removed within 4 days, I will take the next step which is suing everyone involved. I have all rights to fair credit reporting. Ive asked numerous times for you all to remove these negative items. Ive never had a diff license or address ever. all of those addresses attached to my social are not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: SC

Complaint narrative:
Its addresses attached to my ssn that Ive never lived at. The address on my license is where Ive lived for 31 years. Theres multiple accounts on my profile that are not validated debts. I also have late payments on my report for these fraudulent accounts if they are not removed within 4 days, I will take the next step which is suing everyone involved. I have all rights to fair credit reporting. Ive asked numerous times for you all to remove these negative items. Ive never had a diff license or address ever. all of those addresses attached to my social are not mines.

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 2025-05-25 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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:
TRANSUNION AND EQUIFAX are willingly violating my consumer rights by continuously reporting fraudulent information onto my consumer report. I have initiated disputes and launched fraud investigations with these credit agencies pertaining to this account and they dont seem to care. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A - i have the RIGHT TO PRIVACY.

15 U.S.C 1681 Section 604 A section 2 - a consumer credit reporting agency can not furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S. Code 1681c2- 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, not later than 4 business days after the date of receipt by such agency of I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, this fraudulent account in which i never gave written instructions to anyone to open or report in my name, has violated my rights. 

Negligence and Willful Non-compliance. 
I am prepared to SUE all parties involved. All Actual, Statutory and Punitive damages will be enforced. * Up to but not limited to {$1000.00} usd per month per illegal reporting

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 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I requested documentation and writing of proof of ownership that I was never provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had two unauthorized hits on my credit report this month from Capital One for a credit card and XXXX for a loan. XXXX blocked it because of credit lock but it was then obtained from XXXX. Its been difficult to find help to dispute via XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/year> a letter was sent from me via certified mail reiterating my position that the alleged debt was not lawfully validated. A signed promissory note, purchase agreement, or itemized statement does not establish legal ownership of the debt, nor does it prove that a bona fide debt obligation was owed to them. Therefore demanding that all collection activities cease immediately and for permanent removal of this item from all consumer credit reports. They were given 15 calendar days to resolve this matter and they did not issue a response or concede with my demands.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/year> a letter was sent from me via certified mail reiterating my position that the alleged debt was not lawfully validated. A signed promissory note, purchase agreement, or itemized statement does not establish legal ownership of the debt, nor does it prove that a bona fide debt obligation was owed to them. Therefore demanding that all collection activities cease immediately and for permanent removal of this item from all consumer credit reports. They were given 15 calendar days to resolve this matter and they did not issue a response or concede with my demands.

Company response to consumer: Closed with explanation