vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 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: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
Do to my information was stolen doing the data breach and I would like my credit report clear in XXXX days

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 2025-03-03 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: MD

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital and I have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 
i have never been late on payments for the account XXXX XXXX XXXX, XXXX Please investigate and provide Proof with statements showing that these payments were late. 
If proof can't be provide I demand these payments be updated to on time as they should be as I was NEVER late. 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 2025-03-03 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 2025-03-03 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
i am filing a complaint regarding an unauthorized American Express account that was fraudulently opened in my name on XX/XX/year>. I had no knowledge of this account and never gave authorization for it to be opened. 

I only recently discovered this account when reviewing my credit report, and I immediately took action. I contacted American Express to dispute the account, but they have refused to remove it. I have also filed a police report documenting the identity theft. Additionally, I do not have any bank or credit card statements related to this account because I never used or authorized it. 

As of now, the amount in dispute is {$4700.00}, which should not be attributed to me. I am requesting that the Consumer Financial Protection Bureau investigate this matter and that American Express remove this fraudulent account from my credit report immediately. 

Please advise on next steps

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

Complaint narrative:
I am writing regarding the referenced account, XXXX XXXX Bank XXXX XXXX. Please note that I am not disputing this account but am requesting specific information to ensure that all details related to this account are accurate and compliant with applicable consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: IL

Complaint narrative:
I am filing a formal complaint against U.S. Bank regarding an refunded charge of {$170.00}, which the bank has failed to refund despite clear evidence that the merchant, XXXX XXXX XXXXXXXX, has already processed a refund. This issue has been ongoing for an unreasonable amount of time, and I demand immediate resolution. 

I placed an order for truck parts from XXXX XXXX XXXXXXXX, but the order was canceled before shipment. XXXX XXXX XXXXXXXX confirmed that they refunded the full amount of {$170.00} to U.S. Bank. However, U.S. Bank has failed to return my money, despite my repeated attempts to resolve the issue. I have provided all necessary documentation, including proof from the merchant that the refund was issued. 

U.S. Bank 's refusal to return my funds is completely unacceptable and a clear violation of consumer rights. The bank has no legal grounds to withhold money that was rightfully refunded. This is not only a breach of trust but also a potential violation of banking regulations regarding charge disputes and consumer protections. 

I demand an immediate refund of {$170.00} to my account. If this matter is not resolved promptly, I will have no choice but to escalate my complaint further, including seeking legal action if necessary. 

I request that the CFPB investigate this matter and hold U.S. Bank accountable for their failure to process my rightful refund. Please confirm receipt of this complaint and provide an update on the actions being taken to address 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 explanation
Consumer complaint received 2025-03-03 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: NC

Complaint narrative:
Request for Certification of Accuracy of Information ( Need Wet Ink Signature on The Unauthorized Fraudulent Accounts } Grounds to Sue.

Violations of : 1. Proof Credit Transaction. Wet Signature of an Application. Proof of Authorization 2. Reinsertion of Deleted Item : 15 USC 1681i ( 5 ) ( b ) ( XXXX XXXX  ) XXXX. Late Payments : 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 4. Permissible Purpose : 15 USC 1681b 5. Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 6. Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) 7. Verification : 15 USC 1681i ( 7 ) I, XXXX XXXX, declare under penalty of perjury that the following statements are true relating specific debts reflecting on my credit profile. The circumstances surrounding these alleged debts raise tremendous ethical and legal issues, involving fraud and coercive practices. These practices have led to an unjust financial obligation on my part, as my SSN has been used as a personal and financial gain illegally. Since there has been no consent or legitimate purpose established for the sharing of my information, any reports generated or shared without my authorization constitute a violation of this act. I expect for a detailed thorough investigation is conducted into these discrepancies and remove the fraudulent items. These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. The derogatory marks are XXXX. XXXX  XXXX : # XXXX : Balance : {$320.00} | Date Fraud Begun : XX/XX/year> I attest that the alleged debts associated with these accounts do not reflect my financial responsibilities and are in result of practices that are deemed fraudulent. I am disputing these accounts and request that by resolving this dispute that they are blocked and deleted from my credit profile. By doing so is crucial to rectifying the inaccuracies and relieving the undue burden they have imposed on my financial standing. I am aware of my rights under federal and state laws regarding credit reporting and identity theft.

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 2025-03-03 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: TX

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 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. XXXX ) 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 explanation
Consumer complaint received 2025-03-03 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: FL

Complaint narrative:
I am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX BALANCED {$110.00} XXXX XXXX XXXX BALANCED {$520.00} In line with the Fair Credit Reporting Act ( FCRA ), I ask for a comprehensive review and reinvestigation of any disputed items. If an item can not be verified with concrete evidence, I request its immediate deletion to prevent inaccurate reporting from affecting my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 

XXXX XXXX XXXXXXXX balanced {$170.00} XXXX XXXX XXXXXXXX balanced {$3000.00} XXXX XXXX BALANCED {$790.00} XXXX  XX/XX/year> In line with the Fair Credit Reporting Act ( FCRA ), I ask for a comprehensive review and reinvestigation of any disputed items. If an item can not be verified with concrete evidence, I request its immediate deletion to prevent inaccurate reporting from affecting my credit standing.

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 2025-03-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX - XXXXXXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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 2025-03-03 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: NC

Complaint narrative:
Request for Certification of Accuracy of Information ( Need Wet Ink Signature on The Unauthorized Fraudulent Accounts } Grounds to Sue. 
Violations of : 1. Proof Credit Transaction. Wet Signature of an Application. Proof of Authorization 2. Reinsertion of Deleted Item : 15 USC 1681i ( 5 ) ( b ) ( XXXX XXXX XXXX  XXXX. Late Payments : 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 4. Permissible Purpose : 15 USC 1681b 5. Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 6. Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) 7. Verification : 15 USC 1681i ( 7 ) I, XXXX XXXX, declare under penalty of perjury that the following statements are true relating specific debts reflecting on my credit profile. The circumstances surrounding these alleged debts raise tremendous ethical and legal issues, involving fraud and coercive practices. These practices have led to an unjust financial obligation on my part, as my SSN has been used as a personal and financial gain illegally. Since there has been no consent or legitimate purpose established for the sharing of my information, any reports generated or shared without my authorization constitute a violation of this act. I expect for a detailed thorough investigation is conducted into these discrepancies and remove the fraudulent items. These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within XXXX business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. The derogatory marks are XXXX XXXX : # XXXX : Balance : {$320.00} | Date XXXX XXXX : XX/XX/year> I attest that the alleged debts associated with these accounts do not reflect my financial responsibilities and are in result of practices that are deemed fraudulent. I am disputing these accounts and request that by resolving this dispute that they are blocked and deleted from my credit profile. By doing so is crucial to rectifying the inaccuracies and relieving the undue burden they have imposed on my financial standing. I am aware of my rights under federal and state laws regarding credit reporting and identity theft.

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 2025-03-03 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). 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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). 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 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 explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo closed my credit card account and took my cash back rewards away. This was over {$6000.00} in cash back. I want to settle this without getting lawyers involved.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc.
State: TX

Complaint narrative:
To whom it may concern. I XXXX XXXX disagree what it on my credit it is affecting me to get an apartment. Credit cards charge off its things on my collections thats not suspose to be on there

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 2025-03-03 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief