vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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, XXXX XXXX, am writing on my own as a natural person and consumer who is a victim of identity theft. I am requesting the immediate removal of the following items from my consumer credit report in accordance with 15 U.S. Code 1681c-2. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within four business days of receipt of my request. It has been over 30 days since my initial request, and you are in violation of this law.

This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items do not have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy.

Under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I never provided any written consent for any consumer reporting agency to report the information listed below on my behalf, and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer.

Please delete the following items from my credit report immediately : Addresses : Employers Collections Inquiries Accounts Charge-Off Late Payment These fraudulent accounts should not appear on my consumer report, as they are the result of identity theft. The companies that reported these items have failed to provide lawful proof of my consent or authorization, making their actions unlawful.

I respectfully demand that you immediately delete these accounts from my credit report and provide written confirmation of their removal. This request is made under the rights granted to me by the Fair Credit Reporting Act and other applicable consumer protection laws. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
I, XXXX XXXX, am writing on my own as a natural person and consumer who is a victim of identity theft. I am requesting the immediate removal of the following items from my consumer credit report in accordance with 15 U.S. Code 1681c-2. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within four business days of receipt of my request. It has been over 30 days since my initial request, and you are in violation of this law.

This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items do not have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy.

Under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I never provided any written consent for any consumer reporting agency to report the information listed below on my behalf, and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer.

Please delete the following items from my credit report immediately : Addresses : Employers Collections Inquiries Accounts Charge-Off Late Payment These fraudulent accounts should not appear on my consumer report, as they are the result of identity theft. The companies that reported these items have failed to provide lawful proof of my consent or authorization, making their actions unlawful.

I respectfully demand that you immediately delete these accounts from my credit report and provide written confirmation of their removal. This request is made under the rights granted to me by the Fair Credit Reporting Act and other applicable consumer protection laws. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, 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 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am written to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and the tracking these transactions are infeasible. The CFPBs findings indicate that Zelle has not only neglected to provide protection for their consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concerns about consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
It was XX/XX/2024 some one stole my wallet used my card and Capital one would not depute the charges

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was recently the victim of a fraudulent job scam from the company XXXX XXXX XXXX, that resulted in my Wells Fargo checking & savings account being closed and leaving my checking account with an overdraft balance of - {$2700.00}. 

I applied for a job on Indeed that I believed to be legitimate. Shortly after, the company contacted me, informing me that I had been hired. As part of my onboarding process, they sent me a check via XXXX in a flat mailer for {$2900.00} for office materials and provided instructions on how to use the funds. I deposited the check into my Wells Fargo checking account on XX/XX/year>. The next day, per their ( XXXXXXXX XXXX  XXXX ) instructions, I sent a portion of the funds via XXXX to another account. I received an invoice of the materials I purchased and was told that the amount I sent did not cover all of the materials. So I was told that I will be receiving one more check to cover the rest of the materials. 

A few hours later, I was informed by Wells Fargo that the check was fake, and the funds were reversed. Unfortunately, by the time I was notified, the money I sent via XXXX was already gone, and I was left with a negative account balance of - {$2700.00}. Following this, Wells Fargo sent me an email stating that they will close my account XX/XX/year> and reported the overdraft amount against me. 

As this has transpired I called Wells Fargo and talked to multiple service representatives ( XXXX who transferred me to XXXX, who transferred me to XXXX, who transferred me to XXXX XXXX Lost Prevention ) ). I was given a claim number from XXXX and was told that they can not affirm if they can reverse the XXXX transaction. I was also told by XXXX to throw the new check that was being sent away once I receive it and stop all contact with the company XXXX XXXX XXXX. After talking to Wells Fargo on the phone, I submitted a consumer support ticket with XXXX about what had happened, which I have yet to get a response from. 

The next day I received two checks from XXXX XXXX XXXX, one for {$3900.00} & {$4800.00}. I did not throw them away just incase I need to send evidence to Wells Fargo.

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 2025-02-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX. Went into Branch in XXXX XXXX on XXXX and withdrew {$8000.00} with Branch Manager, immediately after our account was flagged for fraudulent activity and subsequently frozen. 

Spoke to BMO rep XXXX Asked questions about accounts and reasons why transactions were made. Explained that the account has been frozen due to a routine audit. Said he would give me a call the following Monday. 

Spoke to BMO rep XXXX Was told by rep that we would receive a call to get an update on the account. Asks why the account was frozen and I was told that it was due to fraudulent paperwork, then that it was because they needed to investigate the money in the account, which is their money from the line of credit. 

Received letter dated XX/XX/XXXX on XX/XX/XXXX Spoke to rep XXXX not able to give an update, unfamiliar with the account and needs to refer to XXXX XXXX Asked why the account was frozen and I was informed that it is under investigation due to whatever notes XXXX put on the account. 

Spoke to BMO XX/XX/XXXX - given a brief overview of already known information in form of a recap about the account. No resolution and not able to get in touch with XXXX. 

Spoke with rep on XXXX XXXX days later, no explanation of reason why account is not resolved. Havent had any communication outbound from BMO to speak with us about our account. Put on hold and still not about to speak with lead investigator. And still no foreseeable resolution. 

Spoke with BMO fraud specialist on XX/XX/XXXX She said that the initial investigation has been turned over to an external department. I asked about communication about our account Account was frozen on XX/XX/XXXX, funds were not accessible and closed 9 months later. We were never given a reason as to why the account was frozen or closed.

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 2025-02-11 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: NV

Complaint narrative:
Hello these 3 credit agencies have deliberately reported fraud accounts on my report. i sent in the necessary documents needed to get them blocked and these credit agencies haven't done their job. This fraud XXXX account is a clear result of identity theft. 
Pursuant to FCRA 605B law - the agencies SHALL block this fraud information within four business days of receipt.

I WILL SUE ALL PARTIES INVOLVED AND RECEIVE 1K per month for however long this item has been reporting on my credit - for damages.!

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 2025-02-11 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: NV

Complaint narrative:
Hello these 3 credit agencies have deliberately reported fraud accounts on my report. i sent in the necessary documents needed to get them blocked and these credit agencies haven't done their job. This fraud XXXX account is a clear result of identity theft. 
Pursuant to FCRA 605B law - the agencies SHALL block this fraud information within four business days of receipt.

I WILL SUE ALL PARTIES INVOLVED AND RECEIVE 1K per month for however long this item has been reporting on my credit - for damages.!

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 2025-02-10 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: MO

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: MD

Complaint narrative:
I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX is listed on my credit report for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) that was Financed through XXXX XXXX XXXX XXXX which was already paid and account was closed requested removal. Banned Debt Collectors per the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit reporting, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

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 2025-02-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
I reached out to inquire about my student loans, specifically requesting information on how to remove the deceased co-signer and seeking clarification on the current interest rates. Despite my efforts, I have yet to receive any response or assistance from the companies involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To Whom It May Concern, This letter serves as my formal demand for the immediate correction or deletion of inaccurate and unverifiable information reported on my credit file. Despite previous disputes, you have failed to perform a proper investigation as required under the Fair Credit Reporting Act ( FCRA ). Your continued failure constitutes willful non-compliance, fraudulent misrepresentation, and a violation of my rights under federal law.

The following violations have been identified under both the FCRA and CDIA Metro 2 guidelines, requiring immediate attention :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: NY

Complaint narrative:
Online Information Services ( Online Collection G ) is attempting to collect money from me and reporting it to my credit report. The debt is fraudulent. My identity was stolen and used against my knowledge and consent. I have fraud alerts on my credit and have also contacted the police about this debt. The company claims I owe {$3000.00}. I have no knowledge of the origins of this debt which this company is seeking to recover. The entire account is fraudulent. I my information was stolen in a data breach.

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 2025-02-10 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: PA

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. I did not open or approve these accounts and am unaware of their source. In compliance with USC 1681g, I ask that they be removed within 15 days. Relevant documents are attached for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account Name : XXXX  Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-02-10 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account Name : XXXX  Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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