vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/year>, I woke up to an email from the Wells Fargo for a bill pay for {$3200.00} for an XXXX XXXX XXXX XXXX payment. I immediately called the bank to stop the payment as it was not me and not authorized. Leaving my account negative, while on the phone with the fraud department someone was logged into my account and transferred {$1500.00} cash advance from my Wells Fargo credit card to my checking account. Both were closed and was told it would take 7-10 days to investigate and get my moment back. On XX/XX/XXXX I called as I have heard nothing I was first told it was denied as someone used my phone to make the charge, and then was hung up on by the customer service line. I called back and was than told the transaction came from my XXXX address. I explained at the moment it was happening I could see someone logged into my account on a desktop computer which I do not own or use one. I was told too bad and move on.

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 2025-02-01 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: MI

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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 non-monetary relief
Consumer complaint received 2025-02-01 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: TX

Complaint narrative:
LEGAL NOTICE SUBJECT NOTICE OF INTENT TO FILE ARBITRATION FOR CONSUMER REPORT VIOLATION To Whom It May Concern : I hope this letter finds you well. I am writing to express my concern regarding the accuracy and integrity of the information contained in my credit report, which is maintained by your agency. I wish to emphasize my commitment to fair and accurate consumer reporting. These violations have had an impact on my Creditworthiness and have caused me undue financial hardship and emotional distress. After careful review of my report, I have identified several instances where the information provided appears to be in violation of the Fair Credit Reporting Act. I have sent several letters trying to fix this matter which you have willfully neglected my attempt to rectify this matter. I have kept dates and responses provided via CFPB portal. 
I also want to let you know the original agreement. The Arbitration clause within agreement outlines a mechanism for dispute resolution that's we both agreed upon. Its hope that we can resolve this matter amicably and avoid the necessity for Arbitration, which will result in substantial cost and fee for us both because this is causing me a lot of issues in my financial Life. 
I propose the following options for resolution : Option XXXX : remove the following items reporting inaccurately below : XXXX. XXXX ACCOUNT XXXX XXXXXXXX XXXX. This account is reporting inaccurate please delete or pay fine of {$1000.00} per violation XXXX. Option XXXX : Initiate Arbitration 4. Should your Company prefer not to remove the flowing items above, I AM PREPARED TO INITIATE ARBITRATION PROCEEDINGS AS ALLOWED BY OUR AGREEMENT. This process may entail substantial costs and fees including my filing fee, your filing fee, Arbitration initiation fee and arbitration deposit, and any legal costs incurred during the arbitration process. 
XXXX. I believe that an amicable resolution is in the best interest of both parties, however, I am prepared to pursue arbitration should that be necessary to uphold my rights and ensure fair credit reporting. 
SINCERELY, 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 non-monetary relief
Consumer complaint received 2025-02-01 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:
I discovered multiple fraudulent accounts and unauthorized inquiries on my credit reports from TransUnion. These accounts were opened without my consent and have negatively impacted my credit standing. The fraudulent accounts and inquiries include credit cards, collections, and unsecured loans that I never applied for or authorized. 

Key Events and Actions Taken : Discovery of Fraud : I noticed unauthorized accounts and hard inquiries on my credit report while reviewing my credit file. 
The fraudulent accounts included collections from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and others, as well as credit cards and loans from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, and others. 
Dispute Filings with Credit Bureaus : I submitted formal disputes with XXXX, XXXX, and TransUnion under Section 605B of the Fair Credit Reporting Act ( FCRA ), requesting the removal of these fraudulent items.

I also provided an Identity Theft Report, proof of identity, and proof of address to substantiate my claim. 
Credit Bureaus Response ( or Lack Thereof ) : Despite my clear evidence and legal rights under FCRA Section 605B, the credit bureaus failed to remove some or all of the fraudulent accounts within the legally required four-business-day period. 
In some cases, they ignored my dispute, failed to conduct a proper investigation, or allowed previously corrected errors to reappear on my report. 
Regulatory Actions Against Credit Bureaus : I am also concerned about the recent CFPB lawsuit against XXXX for failing to properly investigate consumer disputes and the {$15.00} XXXX fine imposed on XXXX for mishandling credit disputes. 
Given these regulatory actions, I have serious concerns that the credit bureaus are not properly investigating my disputes, violating the law, and harming my financial reputation.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
XXXX and Experian failed to delete update and it investigate incorrect accounts and personal information on my credit file I also submitted a request to XXXXXXXX XXXX app companies claimed to have completed an investigation however my files still include old outdated and just incorrect information from my personal address to my legal name employers name and inaccurate accounts that differ depending on which agency a I reported identity theft and froze my reports the companies still failed to take my claims serious leading to financial burden as well as a bad rating with any financial institution I have attempted to do business with I have been turn down application and my credit score has dropped I have since opted out of this party reporting do to lack of credibility with these companies the information contained in these files is false and misleading and makes my character appear untrustworthy and skeptical because of the inaccuracies I am reaching out to get help and prevent these companies from damaging my emotional and financial well-being this has caused allot of hardship and financial difficulties please help me get this resolved and get some compensation for the damages caused

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 2025-02-01 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: MOHELA
State: IL

Complaint narrative:
I was emailed saying my tax documents were ready. My loans were forgiven through PSLF but I made payments in XXXX. I couldnt access my account to retrieve documents so I tried to request them using the chat feature, which does not work. 

Additionally, I was on hold today for nearly 6 hours waiting for an advanced agent to discuss a refund for an overpayment I made because it was recommended to continue payments while your pslf is being evaluated. I made an additional payment for just over {$81.00}. I cant access any information, including past payment history on their website. I was told in XXXX it would be disbursed in 90 days ( this was in the spring/summer of XXXX  ). When I told the rep its been more than 90 days she said Mohela doesnt disburse these payments. Theyre disbursed by the Dept of Treasury XXXX I called them and got nowhere. I called fed loan customer service to follow up and found that Mohela is supposed to disburse refunds. But after speaking with someone today they could see the additional payment and I could hold any longer after being placed on a nearly 6 hour hold awaiting a specialized agent that Im not sure even exists. This is after several other attempts and being placed on hold for 1-2 hours to get no one. 

The customer service wait times are always ridiculous, they miscalculate payments, they didnt provide tax documents by the XX/XX/XXXX deadline, and the features to resolve anything any way than by phone do not function. Mohela is a horrible servicer. They should be penalized for holding peoples money this long and charged interest. They need to be looked into and replaced.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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 am writing to formally file a complaint regarding a dispute I initiated with Equifax concerning inaccurate information associated with several accounts on my credit report. Despite my efforts, Equifax has failed to follow up on the investigation, and no corrective actions have been taken. I recently became aware that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Equifax, accusing the company of accepting unreliable information and failing to notify consumers of the results of disputes. This situation directly aligns with my experience, as Equifax has made no attempt to remove or correct the inaccurate information over the course of several years. As this derogatory mark is negatively impacting my ability to obtain a mortgage for a new home, I am requesting that it be either corrected or removed immediately. Equifax 's failure to address this issue violates my rights under both Georgia state law and federal consumer protection laws. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX 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. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/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 2025-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Credit Management LLC hasn't responded to my request for Validation of the debt that they claim is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cash app closed my account while I am had money in my account, it was over a {$1000.00}. They never responded with a reason has to why they banned and closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit report is showing an error that is affecting my payment history on one of my accounts. I have asked the company to correct this but they have been ignoring me and now this is affecting score and I am being denied for a home loan.

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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NC

Complaint narrative:
During the last three months, Ive had trouble depositing money on my account and withdrawing my funds, I own my own electrical business and a customer sent me, XXXX from XXXX for the work I completed. I already had XXXX on my card, well cash app says due to security reasons they couldnt finalize that transaction. 20 min after that I recieved a notice saying my account was closed due to fraudulent behavior. I called and spoke to three representives back to back and I explained my situation, and I asked why was my transaction deemed fraudulent, no one could give me a straight answer, they said I could remove my remaining funds.it was XXXX dollars on my card but when I went to withdraw my money, there was only XXXX dollars and XXXX cents, this was done XX/XX/year>, when I tried to see what happens to the rest of my money mysteriously there was no record. I called cash app back with no one answering the phone this time just a computer that wouldnt allow me to speak to anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
I requested a payoff statement on XX/XX/XXXX. The amount was for {$7000.00}, which included the recording and assignment fee. I have wired those funds. The mortgage should be paid off. On XX/XX/XXXX, Dovenmuehle Mortgage , Inc. sends me a message with a payoff statement strangely backdated to XX/XX/XXXX saying I owe {$12000.00} plus the recording fee and additional interest of {$40.00} for paying off the mortgage by XX/XX/XXXX. They provided no explanation for this significant difference in payoff statements or why on XX/XX/XXXX they provide a payoff statement from XX/XX/XXXX. Why is it backdated? This looks more like fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: DE

Complaint narrative:
I am writing a formal complaint against XXXXXXXX XXXX  i received a bill from them in XXXX about a mobile phone bill. I contacted the fraud department at XXXX XXXX in XXXX and XXXX. I spoke to XXXX and they removed it off in XXXX. Now they have sold it to a debt collections Jefferson capital. And they are reporting to my credit that I owe them XXXX which I have called the fraud department and XXXX and again in XXXX to report this matter as fraud. I am the victim of identity theft and the credit bureau keeps putting back on My credit report saying that it is a verfy debt which it is not mine. My information was stolen I have been to court and XXXX for identity theft against someone. I have never had a mobile telephone through XXXX XXXX. I have no knowledge of this debt it doesnt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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 formal complaint against Equifax for failing to maintain accuracy in my credit report and improperly verifying disputed information, in violation of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 

I recently disputed inaccurate charge-off accounts on my credit report. Instead of conducting a proper investigation, Equifax verified and updated these accounts without providing any reasonable basis for their accuracy. This action violates my rights under 15 U.S.C. 1681i, which requires credit bureaus to conduct a proper reinvestigation of disputed items. 
Equifax actions also conflict with federal statutes, including : 15 U.S.C. 1602 ( g ) ( 2 ) Defining " credit '' and consumer rights under the Truth in Lending Act. 15 U.S.C. 1635 Protecting consumers ' rights to rescind certain transactions.

15 U.S.C. 1601 Establishing Congressional intent to ensure fair and transparent credit practices.

15 U.S.C. 1692g Requiring debt validation to prevent inaccurate reporting of debts.

I am requesting that these inaccurate accounts be removed from my credit report for such violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EQUIFAX REMOVE need to remove this inquired as a Request because its a fraudulent inquired on my name. 
FACTUAL - XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN REMOVE Need to remove this inquired as a Request because its a fraudulent inquired on my name. 

XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX TRANSUNION REMOVE Need to remove this inquired as a Request because its a fraudulent inquired on my name. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am filing a complaint against Capital one due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Capital One 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 2025-02-01 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: AZ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : 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 explanation
Consumer complaint received 2025-02-01 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: AZ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : 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 non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX  Account type : Credit Card Opened Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief