vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 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: NV

Complaint narrative:
Per my credit report from Equifax, TransUnion, and Experian ; they are reporting inaccurate information. Inaccurate information is reporting on my credit profile and is causing me to be denied purchasing a home as a retired Veteran. I'm requesting that the credit bureaus validate the debt by request the completed contract that was signed with a WET signature. I have been overseas per my military obligations. I am now retired and I and requesting that the credit bureaus not electronically verify, but to request from the company 's to provide a contract showing that I requested the company 's product and a signed contract with a WET signature on the contract. I received letters from company 's that stated that I was a part of several data breaches and my information is on the dark web XXXX. XXXX XXXX - Account : XXXX XXXX. XXXX XXXX - Account : XXXX XXXX. XXXX - Account : XXXX XXXX. XXXX - Account : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Account : 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 2025-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Overdrafts fees and they closed my account without my consent or notifying 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 2025-03-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
I made a wire transfer from my ETrade account for {$100000.00} to XXXX XXXX  over the phone on XX/XX/XXXX. The officer tried to convince me not to transfer the money to another bank but finally agreed to make the transfer. I called on XX/XX/XXXX and E*Trade representative said it is being sent as ACH and takes 3-5 business days and asked to call on Tuesday XX/XX/XXXX if it is not in my account. I called on XX/XX/XXXX and another representative of E*TRADE told me to wait until XX/XX/XXXX. I called on XX/XX/XXXX and asked why the money is still not in my account at XXXX XXXX  but was asked to wait a couple of more days. I asked where is my money and why it is out of my account while it is not in the other bank but no answer. It has been 10 days my money is missing. 
When I log in to my account and try to click on the transfer, it blocks me from seeing the details every time and ask me to call E*Trade.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: IL

Complaint narrative:
Dear CFPB, I am reaching out regarding my XXXX loan with a balance of {$190.00}. Due to financial hardship, unemployment, and a recent XXXX XXXX, I attempted to negotiate a payment arrangement but never received a response from XXXX. 

Upon reviewing my credit report, I noticed that the account has been charged off and is past due as of XX/XX/year>. However, I have yet to receive a 1099 form for the balance. 

I would appreciate any assistance in resolving this matter. 

Thank you for your time and support.

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 2025-03-15 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:
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 explanation
Consumer complaint received 2025-03-15 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: NM

Complaint narrative:
i am a victim of the equifax data breach, someone has used my identity to obtain goods and services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: NY

Complaint narrative:
XX/XX/year> - A request to complete my 4506-C form was emailed to me. Also in this email, I was informed hold was placed on my XXXX XXXX  credit card until I complete this form. The due date for this form was XX/XX/year>. 

XX/XX/year> - I submit this completed form using the steps presented to me in the email. I receive confirmation of my 4506-C being received. 

XX/XX/year> - I receive a email saying my account has been closed because they are unable to verify my personal information. 

XX/XX/year> - I called and spoke with serval representative, being transferred higher with each person I spoke to, eventually speaking with someone who can help with my situation. I then requested the documentation stated prior in this form as well as any explanation that can be given on the phone. I was provided with no explanation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Ok so I got a XXXX  card back in XXXX ( I think ). I used it to buy an XXXX XXXX XXXX at XXXX. Comenity bank which is the company linked with XXXX, charged me TWICE for the XXXX. After a month or XXXX or XXXX to clear up with them that I only bought one XXXX, they finally took off the extra charge. I'm not sure they took the interest that built up with that extra money, though. Afterwards, I called again around XXXX and specifically asked that they pay everything off. The lady walked me through the steps to do it online, which alright, I did that. Once I did, I asked to cancel the card and the lady said she would. Now, here in XXXX, I keep getting calls from them saying I owe almost XXXX dollars. No, I do not owe that. I told that lady to cancel my card and she did not. The people at Comenity bank do not seem to care and just want me to pay before I 'cancel'again. It was supposed to be cancelled back in XXXX, I do not want to pay money I do not actually owe. Comenity bank should not even be in service. I have seen MANY similar complaints about them and I wish I researched it before getting the card. Please do something about it. I do not want my credit to keep going down nor do I want to pay something because THEY messed up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-15 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am submitting this formal dispute regarding the verification process used to establish that an accounts were legitimately opened under my name. I believe the company has failed to comply with proper identity verification standards, resulting in fraudulent activity linked to my personal information. 

Details of the Dispute : I discovered an account in my name that I did not authorize. Upon requesting verification, the company failed to provide proper documentation showing how they confirmed my identity. ] Reasons for Dispute : 1.Failure to Properly Verify Identity [ Company Name ] did not provide sufficient proof that they followed legally required verification procedures, such as Know Your Customer ( KYC ) compliance.

2.Lack of Documentation When I requested evidence of how the company verified my identity, they failed to provide clear documentation proving the account legitimately belongs to me.

3.Potential Violation of Consumer Protection Laws Under federal regulations, including the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ), companies must verify the identity of individuals before opening accounts in their names.

4.Risk of Identity Theft This unauthorized account suggests potential identity fraud, and I demand an immediate investigation to rectify this issue.

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 2025-03-15 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate Under 15 U.S Code 1681e ( b ) Accuracy of report. whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S Code 1681 i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall, i ) promptly delete that item or information from the file of the consumer, or modify that item or information, as appropriate, based on the results of the investigation ; and ii ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer. 

I recently reviewed a copy on my credit report and noticed i have fraudulent accounts on my report, please remove these accounts on my report, they are hurting my ability to obtain credit. Thank you.

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 2025-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
someone opened a car loan in my name that was unauthorized and to without my knowledge and it is reporting on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint 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 caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
They failed to contact me about the debt. Didnt reach out to me. Just found it on my credit report. I have no information to contact them about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX please add this new complaint to XXXX case number XXXX I need claim number XXXX I need {$0.00} to be credit back into my account because I never requested it to be taken out of the account by yall and I need the claim to be reopen or appeal to be reopen to be investigated or credit the account back for {$0.00} or give me a onetime credit for {$0.00} because I really need that amount back and for claim number XXXX I need to know if {$23.00} was credit to my account or not if not please credit it or give me a onetime credit for it and look at my attachment below please. checking account number is XXXX and saving account number is 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 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: OH

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team DOGE ( The Department OF Government Efficiency ) to gain access to multiple internal systems within the Department of Education, including financial aid dataset that contains personal information of millions of students enrolled in the federal student aid program. My information among that dataset that has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank
State: MD

Complaint narrative:
I had a return payment on XX/XX/XXXX, I made a full payment of {$290.00} on XX/XX/XXXX. This was the full balance amount including return fee. I have reached out multiple times to First Digital to inquiry when the payment would credit my account. They stated that it takes 14 days after a payment was returned or I could show proof of payment. I decided to wait 14 days. I have called multiple times since the XXXX day. I called on XX/XX/XXXX and was advised that I needed to wait until XX/XX/XXXX. I called on XX/XX/XXXX and was told that it's only been 22 days and because of XXXX return payment, I need to wait 30 day plus 3-5 business days. The next billing date is XX/XX/XXXX. I asked the agent, why do I need to wait over 30 days to access my money when the payment on XX/XX/XXXX has cleared my account and it was a debit card payment. He said that debit card payments are not guaranteed funds. He said that I can not utilize my account until 35 days from XX/XX/XXXX. Per the XXXX XXXX XXXX XXXX, it states that debit card payments ARE guaranteed funds and that only a 14-day hold was required for payments NOT made with guaranteed funds. As of today, it has been 22 days on hold and the payment was made with guaranteed funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
was recenty reviewing my Credit Report and noticed that there were raudulent accounts that I did not authorize. 
Under the Fair Credit Reportina Act ( FCRA ), 15 U.S.C. 6 1681. I have the ight to dispute inaccurate, fraudulent, or unverifiable information on my credil report. I request that this account be removed from my Credit Report 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 2025-03-15 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: NC

Complaint narrative:
Account reflecting inaccurate information for payment history account by XXXX XXXX. Sent dispute letters to Experian, Equifax and trans union asking for debt to be removed since it is reporting inaccurate information. Responses from credit bureaus stating the information was reporting correctly.

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 2025-03-15 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 this complaint against cash app ( Block , inc . ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ) specifically, CashApp failed to take timely and effective measures to prevent 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 Electronic Fraud 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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX there are late payments reported on my credit reports for XXXX XXXX and XXXX. Looking at my credit reports I see inconsistent days of late payments. I would like to see proof of late payments across all reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes 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, Equifax 's 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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief