vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX of 2024 I gave my then landlord {$2500.00} in money orders for rent in XXXX increments of {$500.00}. He tried to deposit them into the ATM and also through his phone banking app causing XXXX money orders to be rejected. His bank is Wells Fargo and they claim to have no responsibility for the action. I contacted XXXX XXXX first to see if I could get a refund of the {$1500.00} but they said the money orders were cashed and paid out to the bank. I suspect fraud either through the bank or the former landlord.

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 2025-04-22 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: CA

Complaint narrative:
XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account from XXXX under the account number XXXX. This account has resulted in several fraudulent accounts and fraudulent collections appearing on my consumer XXXX credit reports. I've attached a list of the accounts in question as well as a copy of the Experian consumer FICO credit report as I was unable to pull my XXXX  or XXXX reports online for some reason, these reports show the aforementioned fraudulent items. I do not recognize the aforementioned accounts or collections reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX. Thank you for your support regarding this matter, XXXX regards, 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 2025-04-22 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: GA

Complaint narrative:
Re : FINAL NOTICE DEMAND FOR IMMEDIATE DELETION OF FRAUDULENT ACCOUNTS WITHIN 24 HOURS XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX ( on behalf of Progressive Insurance ) To Whom It May Concern, This is a final and legally binding demand for the immediate and permanent deletion of the fraudulent accounts listed above. I have never entered into any contract, agreement, or financial obligation with XXXX XXXX XXXX or Progressive Insurance, nor have I ever authorized XXXX XXXX XXXX to collect any alleged debt on my behalf. These accounts are unauthorized, fraudulent, and unverifiable. 

Despite multiple formal disputes and Cease & Desist notices, these accounts have been reinserted or allowed to remain on my file without proper reinvestigation or verification, in direct violation of my rights under federal law. 

Further, other credit bureaus have already permanently deleted the XXXX XXXX XXXX account, clearly confirming that the account is not valid and should never have been reported in the first place. The fact that you are still reporting it despite clear evidence, lack of documentation, and its removal from other major bureaus is negligent, willful, and unlawful. 

You are now in direct violation of multiple federal consumer protection laws : FCRA 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) : Failure to notify me within 5 days of reinsertion.

FCRA 15 U.S. Code 1681s-2 ( b ) : Failure to conduct a lawful reinvestigation or delete unverifiable data.

FCRA 15 U.S. Code 1681b ( f ) : Reporting information without a permissible purpose.

FDCPA 15 U.S. Code 1692e ( 8 ) : Continuing to report known false or disputed debts.

FACTA 15 U.S. Code 1681c-2 : Failure to block fraudulent information tied to identity theft.

FCRA 15 U.S. Code 1681n & 1681o : Willful and negligent noncompliance subjecting you to civil liability including statutory damages, punitive damages, and attorneys fees. 

DEMANDS : I am demanding that you : 1.Permanently delete the XXXX XXXX  XXXX account XXXX in XXXX from my credit file. 
2.Permanently delete the XXXX XXXX XXXX account XXXX in XXXX, allegedly placed on behalf of XXXX XXXX XXXX 
3.Provide a written response within 24 hours confirming the deletion of both accounts and assurance that they will not be reinserted under any circumstances.

If you fail to comply with this demand within 24 hours, I will immediately proceed with formal complaints to the : State Attorney Generals Office And I will initiate legal action for full remedies under FCRA, FDCPA, and FACTA for actual damages, statutory damages, punitive damages, and emotional distress. 

You are now on legal notice. This is your final opportunity to correct and permanently delete these false entries. Failure to comply will result in escalated legal consequences without further warning. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: LA

Complaint narrative:
XXXX XXXX experian has not been using my credit report correctly i have stuff that been paid on my credit report for years and still remains on report they are really abusing the system

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 2025-04-22 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: OH

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 - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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:
XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account from XXXX on XX/XX/XXXX under the account number XXXX. This account has resulted in several fraudulent accounts and fraudulent collections appearing on my consumer FICO credit reports. I've attached a list of the accounts in question as well as a copy of the XXXX  consumer FICO credit report as I was unable to pull my TransUnion or Equifax reports online for some reason, these reports show the aforementioned fraudulent items. I do not recognize the aforementioned accounts or collections reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX. Thank you for your support regarding this matter, Best regards, 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 2025-04-22 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: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Final Notice Failure to Remove or Correct Inaccurate Credit Report Information Dear XXXX  XXXX XXXX, This letter serves as a final notice regarding your continued failure to correct, delete, or properly investigate inaccurate and harmful information on my credit report, as initially disputed in prior correspondence dated [ Insert Previous Dispute Dates ]. 

You are now in violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ), specifically : 611 ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation ; 623 ( a ) ( 2 ) : Failure to update or correct previously disputed and inaccurate information ; 609 ( a ) ( 1 ) : Failure to provide documentation from the original creditor validating the debt. 



Accounts in Continued Dispute : XXXX. XXXX XXXX ( Account ending XXXX ) Charged-off status remains despite unresolved dispute and lack of original creditor validation. 
XXXX. XXXX XXXX ( Account ending XXXX ) Reporting as payment after charge-off with no verifiable evidence and {$0.00} balance. 
XXXX. XXXX XXXX ( XXXX Account ending XXXX ) Charged-off account without substantiating payment or history details. 
XXXX. XXXX XXXX  ( Multiple entries ) Duplicate accounts with conflicting status and reporting inaccuracies. 

These accounts continue to damage my credit profile unjustly and without proper verification. If your agency can not validate these debts with original creditor documentation, they must be deleted immediately under FCRA provisions. 



Formal Demands : I hereby demand the following within 15 days : Permanent deletion of the accounts listed above ; A detailed response outlining your reinvestigation process ; A copy of any and all documentation used to verify the accounts ; Written confirmation of account deletions or corrections. 

Failure to comply will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. Additionally, I will explore civil remedies under FCRA 616 and 617, which allow for actual damages, punitive damages, and attorneys fees. 

You are now on legal notice. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: OH

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-22 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: AR

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I submitted official documentation via mail to Experian to update my middle name, last name, and current address. On XX/XX/year>, I received an email from Experian confirming that my personal information had been successfully updated. 

Despite this, my online Experian account still reflects my old name, and no updates have been made on my file. I followed all steps, including mailing in the required documents, and did everything Experian requested. This delay in updating my legal name and information is unacceptable, especially after receiving written confirmation that the changes were made. 

I am requesting immediate resolution and correction of my Experian file to reflect my legal name and address. I am also requesting confirmation from Experian once this update is complete.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am disputing a medical collection account that was reported to my credit report in error. The original medical provider submitted the bill to the wrong address and with incorrect insurance information, so I was never billed properly. As a result, the account was sent to collections without my knowledge.

Once I discovered the account on my credit report, I contacted the hospital directly. They acknowledged the billing mistake and issued a correction. I now have a super bill from the provider that clearly states the collections were reversed and that they withdrew the account from the collection agency.

Despite submitting disputes to all three credit bureaus and providing evidence, Equifax continues to verify the account instead of removing it. This is unfair and inaccurate reporting, and its negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Pretaining to case # XXXX I XXXX XXXX am notifying and responded to claim referenced above to your response company requested 60 days and is currently working on account don't you find it concerning after 20 months of holding my funds they need another 60 more days. please escalate my claim to higher chain for immediate response 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 monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CHARLES SCHWAB CORPORATION, THE
State: WA

Complaint narrative:
Personal information being used in what resembles fraudulent investment account transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: OH

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am submitting this complaint regarding a serious case of identity theft and financial fraud involving Capital One Bank, which resulted in a personal loss of {$5000.00}. 

On XX/XX/2024, my XXXX investment account was compromised by an unauthorized third party. The fraudster initiated a {$5000.00} wire transfer from my XXXX account to a Capital One bank account. XXXX has since denied reimbursement, citing that wire transfers are not protected under Regulation E. 

During my investigation, I discovered that the Capital One account receiving the stolen funds was opened under my name, despite the fact that I have never opened any account with Capital One. This is clearly a case of identity theft. 

I immediately contacted Capital Ones customer service to report the incident. I requested that they investigate the fraudulent account and provide account opening documentation and identity verification records. However, I was told that because the account was not mine, they could not disclose any information or provide assistanceeven though the account was opened using my stolen identity. 

I am extremely concerned by the following : Capital One allowed a new account to be opened using my personal information without my knowledge or consent ; The bank appears to have failed to perform adequate Know Your Customer ( KYC ) checks or proper identity verification during account opening ; This failure enabled the fraudster to create a fake account in my name, which was then used to receive a fraudulent wire transfer from XXXX, causing me direct financial harm. 

XXXX policy only allows wire transfers to bank accounts with a matching name, which means the fraudster had to use my stolen identity to create the Capital One account in order to receive the funds. Capital Ones failure to verify the identity of the account holder was a critical factor that allowed this fraud to occur.

Company response to consumer: Closed with explanation