vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I was driving home from out of state. Caller ID was Wells Fargo. XXXX supposedly represented XXXX. He said someone was trying to take XXXX out of mt checking account. He was going to stop the transaction. I didn't give him any of my info. He obviously already had it. He was really not stopping the transfer, he was making it for himself. He said the bank needed to split the amount into XXXX {$220.00} and {$770.00}. So he gave me XXXX confirmation # XXXX for the XXXX transactions. These # XXXX weren't cancelling, they were letting him take the XXXX # XXXX confirmation # XXXX and # XXXX. I suspected fraud, so as soon as I hung up I called Wells Fargo and reported possible fraud. They emailed me they cancelled the XXXX transaction, but they transferred the $ anyway. XXXX says the transfers happen instantly, so Welle Fargo couldn't have done anything. I have been working with a personal banker, XXXX XXXX for 6 months about this. He said XXXX moved the $ from XXXX to his private account. I reported to XXXX, but they say nothing can be done. The XXXX transaction # XXXX are XXXX for the {$770.00} and XXXX for the {$220.00}. Can you 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 explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i got laid off on XX/XX/XXXX XXXX i called capital one right away and let them know. since they have people overseas handling their calls, they didn't understand or provide help, they just said i need to pay hundreds of dollars i didn't have. even when i got a job and was under employed i couldn't afford the payments. they just kept saying the same thing. wouldn't lower payments til i got on my feet. then they closed the account which i can understand. they didn't help me in a time of need, now they served me with court papers. i don't know what to do now. i also have a car payment with them which i got 1 month deferment but i make those payments every single month. so that shows im not trying to get away with anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
Company reported a late payment to my account under This law 15 U.S. Code 1666b is a law that governs the timing of payments for credit card accounts. It also covers the length of billing periods and the effect of late delivery of statements. 
There should be no late payments on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/year> someone ( not me ) fraudlently opened a Target Circle Card Credit Card in my name. They spent ~ {$940.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
NOTICE TO CEASE AND DESIST XXXX XXXX XX/XX/year> LVNV FUNDING LLC CARE OF RESURGENT CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Re : Account Number XXXX To Whom It May Concern : This letter serves as a formal demand to cease and desist all communication with me regarding the above-referenced account, which you are attempting to collect. This demand is made pursuant to my rights under the **Fair Debt Collection Practices Act ( FDCPA ) **, specifically **15 U.S. Code 1692c ( c ) **, which prohibits debt collectors from contacting consumers who have notified them in writing to stop communication.

Additionally, I am disputing the validity of this debt pursuant to **15 U.S. Code 1692g**. I request that you provide verification of the debt, including but not limited to : 1. Proof that I owe this debt.

2. Documentation showing the original creditor and the chain of ownership of the debt.

3. A detailed breakdown of the amount claimed, including interest, fees, and any other charges.

Until you provide such verification, I demand that you cease all collection activities, including reporting this account to any credit reporting agencies.

Furthermore, I am aware of my rights under **15 U.S. Code 1681e ( b ) **, which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. If this account is being reported inaccurately or without proper verification, I reserve the right to take legal action to enforce my rights under the **Fair Credit Reporting Act ( FCRA ) **.

This letter serves as formal notice of the following : 1. You are to cease and desist all communication with me, except as required by law ( e.g., to confirm cessation of communication or to notify me of specific actions, such as filing a lawsuit ).

2. You are to provide verification of the debt as outlined above.

3. You are to immediately stop reporting this account to any credit reporting agencies until the debt is verified.

Failure to comply with this demand will result in legal action against your company for violations of the FDCPA, FCRA, and any other applicable laws. 

Sincerely, XXXX XXXX

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

Complaint narrative:
I am filling 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. 1681, 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 ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take actionto ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-02-02 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 filling 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. 1681, 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 ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take actionto ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-02-02 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: Kikoff Inc.
State: IL

Complaint narrative:
XXXX Failing to Remove Fraudulent Account & Unauthorized Inquiries Details of the Issue : I have been disputing a fraudulent account ( Kickoff ) and unauthorized credit inquiries ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) on my XXXX credit report for over 60 days. 

I submitted the following documents to XXXX : FTC Identity Theft Report XXXX Police Report ( XXXX XXXX Michigan, XXXX, IL ) Proof that XXXX removed the fraudulent Kickoff account Proof of residency ( Insurance document ) Government-issued ID Despite this, XXXX has failed to remove the fraudulent account and inquiries, incorrectly verifying them as accurate. This violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), which requires fraudulent accounts to be blocked within four business days upon receipt of an identity theft report. 

Steps Taken : I filed disputes directly with XXXX and uploaded all required documentation. 
XXXX responded that the fraudulent account was verified but failed to provide any supporting evidence. 
Ive been going back and forth with XXXX since XX/XX/year> with this fraudulent account and inquiries I have a FTC report from XX/XX/year> 2024

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
The amount is XXXX I contact the agency on multiple times threw the credit breu and my attorney and they fail to remove this account off my credit report under the code 15 U.S. Code 1692c is a law that limits debt collectors ' ability to communicate with consumers. It's part of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I am filing a complaint to request validation of the debt associated with the account XXXX on my XXXX report. I have no knowledge of this collection account and would like to verify its legitimacy. 

Please provide me with the details of the debt, including the original creditor 's name, the amount owed, and any documentation that supports your claim. Under the Fair Debt Collection Practices Act, I have the right to request this information. 

Until I receive the requested validation, I ask that you cease all collection activities regarding this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The following trabsaction were not done by me, there credit inquiries and would like them removed XXXX XXXX XXXX XXXX Reported XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX Reported XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/year> XXXX XXXX XXXX XXXX XXXX Reported XX/XX/year> XXXX XXXX XXXX  Reported XX/XX/year> XXXX XXXX XXXX XXXX  Reported XX/XX/year> XXXX XXXX XXXX XXXX Reported XX/XX/year> 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 2025-02-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The following trabsaction were not done by me, there credit inquiries and would like them removed XXXX XXXX XXXX XXXX Reported XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX Reported XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/year> XXXX XXXX XXXX XXXX XXXX Reported XX/XX/year> XXXX XXXX XXXX  Reported XX/XX/year> XXXX XXXX XXXX XXXX  Reported XX/XX/year> XXXX XXXX XXXX XXXX Reported XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
Cashapp never solved any of my issues. My account was closed without warrant. Making me lose money and money went unaccounted for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: ID Analytics, Inc.
State: PA

Complaint narrative:
XXXX XXXX Assistance XXXX XXXX XXXX XXXX, PA XXXX Subject : IMMEDIATE REMOVAL OF UNVERIFIABLE DATA FINAL LEGAL NOTICE To Whom It May Concern, This is a formal demand for immediate removal of inaccurate, unverifiable, and outdated information appearing on my XXXX report. I am disputing the following accounts, which must be immediately deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to 15 U.S.C. 1681c ( a ) ( Section 605 of the Fair Credit Reporting Act - FCRA ), consumer reporting agencies are prohibited from reporting any information that is obsolete, inaccurate, or unverifiable.

LEGAL BASIS FOR REMOVAL Under 15 U.S.C. 1681c ( a ), any outdated, inaccurate, or unverifiable data must be permanently removed from my file. XXXX, as a credit reporting agency, is legally obligated to ensure only fully verified, accurate, and up-to-date information remains on my report. 

I have previously requested verification of these accounts, and neither XXXX nor the furnishers have provided original documentation proving the accuracy of this data. This is a direct violation of 15 U.S.C. 1681s-2, which mandates that only accurate and verifiable information can be reported.

Since you can not provide original, legally binding documents proving I authorized these accounts, you are required by law to remove them immediately. 

IMMEDIATE ACTION REQUIRED 1. Permanently delete the above-listed accounts from my XXXX report in accordance with 15 U.S.C. 1681c ( a ).

2. Provide written confirmation that these accounts have been permanently removed. 


XXXX. Provide a copy of my updated XXXX report reflecting these deletions. 


4. Cease all future reporting of these accounts to any third parties. 

XXXX. Remove any address on my report that isn't XXXX XXXX XXXX. # XXXX XXXX, Pa XXXX LEGAL CONSEQUENCES FOR NON-COMPLIANCE Failure to comply within 30 days will result in : Legal action under 15 U.S.C. 1681n ( willful violations of the FCRA ).

Legal action under 15 U.S.C. 1681o ( negligent violations of the FCRA ).

Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state regulators. 


This is NOT a simple dispute ; this is a legal demand for immediate deletion under federal law. If XXXX fails to comply, I will pursue all available legal remedies without further notice. 

You are required to respond within 30 days from the date of this letter, as mandated by the FCRA.

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

Complaint narrative:
XXXX XXXX Assistance XXXX XXXX XXXX XXXX, PA XXXX Subject : IMMEDIATE REMOVAL OF UNVERIFIABLE DATA FINAL LEGAL NOTICE To Whom It May Concern, This is a formal demand for immediate removal of inaccurate, unverifiable, and outdated information appearing on my XXXX report. I am disputing the following accounts, which must be immediately deleted : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to 15 U.S.C. 1681c ( a ) ( Section 605 of the Fair Credit Reporting Act - FCRA ), consumer reporting agencies are prohibited from reporting any information that is obsolete, inaccurate, or unverifiable.

LEGAL BASIS FOR REMOVAL Under 15 U.S.C. 1681c ( a ), any outdated, inaccurate, or unverifiable data must be permanently removed from my file. XXXX, as a credit reporting agency, is legally obligated to ensure only fully verified, accurate, and up-to-date information remains on my report. 

I have previously requested verification of these accounts, and neither XXXX nor the furnishers have provided original documentation proving the accuracy of this data. This is a direct violation of 15 U.S.C. 1681s-2, which mandates that only accurate and verifiable information can be reported.

Since you can not provide original, legally binding documents proving I authorized these accounts, you are required by law to remove them immediately. 

IMMEDIATE ACTION REQUIRED 1. Permanently delete the above-listed accounts from my XXXX report in accordance with 15 U.S.C. 1681c ( a ).

2. Provide written confirmation that these accounts have been permanently removed. 


XXXX. Provide a copy of my updated XXXX report reflecting these deletions. 


XXXX. Cease all future reporting of these accounts to any third parties. 

XXXX. Remove any address on my report that isn't XXXX XXXX XXXX. # XXXX XXXX, Pa XXXX LEGAL CONSEQUENCES FOR NON-COMPLIANCE Failure to comply within 30 days will result in : Legal action under 15 U.S.C. 1681n ( willful violations of the FCRA ).

Legal action under 15 U.S.C. 1681o ( negligent violations of the FCRA ). 

Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state regulators. 


This is NOT a simple dispute ; this is a legal demand for immediate deletion under federal law. If XXXX fails to comply, I will pursue all available legal remedies without further notice. 

You are required to respond within 30 days from the date of this letter, as mandated by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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 writting to formally express my concerns regarding ZELLE handing of disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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 filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccurate information on 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 Consumers 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. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
Dispute of XXXX Account Request for Removal I am writing to formally dispute the validity of a collection account that appears on my credit report. Under the Fair Credit Reporting Act ( XXXX ), I have the right to challenge the accuracy of any information on my report. 

Details of the Disputed Account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Reported Amount : {$870.00} Date Reported : XX/XX/year> Reason for Dispute : According to XXXX XXXX. XXXX Section XXXX ( a ), I have the right to privacy regarding my credit information. Furthermore, under XXXX XXXX. XXXX Section XXXX ( a ) ( XXXX ), a credit reporting agency can not furnish an account without my written authorization. 



I request that this account be verified, and I ask that you provide valid documentation proving its legitimacy and my written consent. If you are unable to verify the account with concrete evidence, I demand its immediate removal from my credit report in accordance with the law. 



I have attached a copy of my identification and a copy of my credit report with the disputed account highlighted for your reference. I would appreciate a written response within the legally required XXXX period. 



Thank you for your prompt attention to 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 explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
EQUIFAX removed XXXX support credit account from my credit report and reinserted the account to negatively affect my credit report. 
XXXX XXXX XXXX was removed from my credit report and when it was reinserted on my report the age of the negative account started over which is illegal. The child support account was disputed and removed and then placed back on my credit report with a new age. 
Child support can only be on your credit report for 7 years and we are going well beyond the 7 year mark. Child support has been opened XXXX yrs 2 months and has been reporting to my credit since XXXX of 2018 negatively impacting my credit report

Company response to consumer: Closed with explanation