vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
In XX/XX/XXXX while using XXXX I started getting ads about XXXX XXXX about high profit-making investments, the scammers started urging me to join a class via XXXX, register with my government id, and gain financial freedom, this was done by way of trickery, and/or manipulation using advanced technological systems. I never suspected that these groups were fraudsters because their presentations appeared genuine. They requested payments in cryptocurrency to be paid into the account of the company, I used XXXX XXXX XXXX, XXXX, and M & T Bank accounts to wire money to XXXX  for XXXX transactions. After payments were made, they ran trades that would yield very high profits and one could see their currency value increasing, plus a lot of people in the XXXX class gave testimonies on how they were making huge profits and thanked the leaders of the group for what they were doing, but soon strange losses in transactions begin to happen and the total capital and profit invested are lost completely, they use their manipulation to explain why the money was lost and promise to help in recovering total loss plus make much more profit. They still encourage one to invest a good amount to recover the lost funds faster, I never knew I was being scammed and I kept losing money, I lost a total of {$200000.00} which includes some borrowed money. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unfortunately, the more I reinvested following their manipulations to recover my lost funds, The more I continued to find myself in a worse position until my eyes were opened by a family member with whom I narrated my ordeal in XX/XX/XXXX and that was the time I stopped dealing with the scammers. I later got a company that claimed to recover lost XXXXXXXX XXXX XXXX XXXX XXXX XXXX, but they only took advantage of my situation, after completing the installments to help trace my lost funds, they disappeared, and I could no longer reach them via phone or email. I have been able to get another company ( Payback ) to trace where the funds have been channeled to and have tried to reach out to M & T Bank to recall the funds but this has been abortive as M & T Bank says the funds can't because its been over a year. I am bringing this case here because it has become unbearable to suffer this loss without any form of help from the institutions where these funds were made available to scammers. Below are the dates and amounts of wire transactions to 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 explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
In XX/XX/XXXX while using XXXX I started getting ads about XXXX XXXX about high profit-making investments, the scammers started urging me to join a class via XXXX, register with my government id, and gain financial freedom, this was done by way of trickery, and/or manipulation using advanced technological systems. I never suspected that these groups were fraudsters because their presentations appeared genuine. They requested payments in cryptocurrency to be paid into the account of the company, I used XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts to wire money to Coinbase for XXXX transactions. After payments were made, they ran trades that would yield very high profits and one could see their currency value increasing, plus a lot of people in the XXXX class gave testimonies on how they were making huge profits and thanked the leaders of the group for what they were doing, but soon strange losses in transactions begin to happen and the total capital and profit invested are lost completely, they use their manipulation to explain why the money was lost and promise to help in recovering total loss plus make much more profit. They still encourage one to invest a good amount to recover the lost funds faster, I never knew I was being scammed and I kept losing money, I lost a total of {$200000.00} which includes some borrowed money. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unfortunately, the more I reinvested following their manipulations to recover my lost funds, The more I continued to find myself in a worse position until my eyes were opened by a family member with whom I narrated my ordeal in XX/XX/XXXX and that was the time I stopped dealing with the scammers.I later got a company that claimed to recover lost XXXXXXXX XXXX XXXX XXXX XXXX XXXX but they only took advantage of my situation, after completing the installments to help trace my lost funds, they disappeared, and I could no longer reach them via phone or email. I have been able to work with another company ( Payback ) to trace where the funds have been channeled to and have tried to reach out to Chase to recall the funds but this has been abortive as Chase says the funds are no longer available. I am bringing this case here because it has become unbearable to suffer this loss without any form of help from the institutions where these funds were made available to scammers. 



Below are the dates and amounts of transactions made between XX/XX/XXXXXXXX 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 2025-01-12 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: CA

Complaint narrative:
Wells FArgo closed my checking account without a valid explanation and is being lame trying to use the " Banking secrecy act '' to not give a straight answer. Then they closed my credit account and the reason was because they closed my checking account, which doesnt make sense.They did not give me my rewards on the card before closing it.

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 2025-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV FUNDING LLC XXXX I am writing regarding the debt referenced above, which you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( 15 U.S.C. 1692g ), I am requesting that you validate this debt. Please provide me with the following information : 1. Proof that I owe this debt, including the original creditors name and address.

2. A complete itemization of the debt, including the original amount, any interest, fees, or other charges.

3. Documentation of my liability for this debt, such as the original contract or agreement.

4. Evidence that you are authorized to collect on this debt.

5. A copy of the judgment ( if applicable ).

Until this information is provided, I request that all collection efforts, including communication with me and any reporting to credit bureaus, cease immediately as required by law. 

Please note that this letter is not an acknowledgment or acceptance of the debt, and it should not be construed as such. Additionally, any further attempts to collect the debt without proper validation may be considered a violation of the FDCPA.

I expect to receive the requested documentation within 30 days. If you are unable to validate this debt, I request that you : Cease all collection efforts permanently. 

Remove any associated negative entries from my credit report. 


I look forward to your timely response. If you have questions or require additional information, please contact me in writing at the address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-12 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: OH

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial 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 non-monetary relief
Consumer complaint received 2025-01-12 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: OH

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: MO

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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:
Subject : Dispute of Fraudulent XXXX XXXX XXXX Account Reporting To Whom It May Concern, I am writing to formally dispute the reporting of a fraudulent account under the name XXXX XXXX XXXX that is inaccurately listed on my TransUnion credit report. I want to make it unequivocally clear that this account does not belong to me, and I request its immediate and permanent deletion from my credit file.

As required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, TransUnion is obligated to investigate disputed items and ensure that all information reported is accurate, complete, and verifiable.

To assist in your investigation, I am including the following supporting documents : A completed XXXX XXXX XXXX XXXX, as requested by their fraud department. 

A copy of my government-issued ID. 


Any additional documentation that substantiates my identity and confirms that this account is fraudulent.

This account was established without my knowledge, authorization, or consent, and its presence on my credit report is both harmful and inaccurate. I demand the following actions : Immediate investigation of this dispute as required under the FCRA. 

Permanent deletion of the XXXX XXXX XXXX account from my credit report if the account can not be verified as legitimate. 

Written confirmation that this fraudulent account has been removed and that the dispute process has been resolved.

Failure to properly investigate or remove this fraudulent account will result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory bodies for FCRA violations.

Please address this matter promptly and respond to my dispute in writing within the legally required 30-day timeframe. I appreciate your immediate attention to this serious issue. 

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 non-monetary relief
Consumer complaint received 2025-01-12 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 recently review a copy on my credit report and notice I had fraudulent accounts and hard inquiries on my credit report please remove these accounts and hard inquiries from my report, they are hurting my ability to obtain credit. 
Hard inquiries 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 2025-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: OR

Complaint narrative:
I filled out the paperwork from Valon XXXX  asking that they close out my escrow account and issue me a refund for the overpayment. Our 2024 property tax was approximately {$1100.00} and our homeowner 's insurance was approximately {$600.00}. Valon XXXX  is holding out approximately {$350.00} per month. They are currently holding approximately {$3500.00} of my money in my escrow account. 

They have refused to issue us our refund and close our escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Sloan servicing 's website 's login regularly fails to load for me. I've tried multiple browsers clearing cookies and deleting browsing history. This issue has made me miss payments in the past and it's currently making me miss payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2025-01-12 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my XXXX, these accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2025-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
My information was exposed in the data breach. Late payments showing on my credit report. I want removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: CO

Complaint narrative:
I recentil reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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