vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I was contacted on XXXX about a pair of shoes I was selling. I began a text conversation with the person - XXXX XXXX XXXX XXXX - and we agreed that they would send me a check and I would send them the shoes. She said she was buying the shoes for her daughter in college. She said that the bank issued her the check for my money plus her daughter 's monthly allowance. The check had a routing number of XXXX and an account number of XXXX. It was from XXXX XXXX XXXX and was issued on XX/XX/2020. She asked if I would mind sending the rest of the money along via Zelle after the check cleared. I sent 2 Zelle payments to someone named XXXX XXXX at the email XXXX. One was sent on Monday with a XXXX/Zelle transaction number of XXXX with a value of {$700.00}. The next was sent on Tuesday with a XXXX/Zelle transaction number of XXXX with a value of {$400.00}. They then claimed the daughter could not get the shoes and I could keep the extra {$100.00} for my trouble and repost the shoes on XXXX. Two days later on Thursday the check was refunded by the issuing bank as being fraudulent and {$1200.00} was cleared out of my checking account. Clearing out my account. Please help me get this money back. 

I contacted XXXX on Thursday XXXX and they told me there is nothing they can do since the money was sent bank to bank from a third party vendor ( Zelle ). Zelle has no contact number or support for Fraud so they say.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I submitted some disputes. One company said my ID wasn't visible. THAT IS A LIE. One company said I used a credit repair company. I am insulted that I am being accused of using a credit repair componay. I find this language highly offensive. These fraudulent accounts are already causing me emotional distress, on top of the fact of being falsely accused by you guys. PLEASE INVESTIGATE AND REMOVE THESE ACCOUNTS ASAP.

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 2020-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I submitted some disputes. One company said my ID wasn't visible. THAT IS A LIE. One company said I used a credit repair company. I am insulted that I am being accused of using a credit repair componay. I find this language highly offensive. These fraudulent accounts are already causing me emotional distress, on top of the fact of being falsely accused by you guys. PLEASE INVESTIGATE AND REMOVE THESE ACCOUNTS ASAP.

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 2020-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
A user named XXXX XXXX, XXXX named, had a posting on ebay for a motherboard and XXXX Rampage XXXX motherboard. He said he could be reached by email XXXX. I talked with this person about him sending a motherboard after purchase. He promised to send me one after I paid in full. I did 5-6 installed payments of XXXX, XXXX, XXXX, XXXX, and XXXX. I paid my last payment of XXXX dollars to him on paypal XX/XX/2020. Instead of sending the motherboard, he said to me he changed his mind and that he was not going to send me one and ghosted me. This guy is a fraudster, paypal let me know to report to FTC and CFPB about this person who frauds people promising stuff. He even had fake reviews which most were not true. This is a warning to those to stay clear of this guy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I reserved a rental car through 'XXXX  '' on XX/XX/20 for the amount of {$1100.00}. They asked for my flight itinerary, I spoke with a representative, and they assured me someone would be there when my flight landed at midnight. When I landed they were closed for the day and I was not able to get my rental car. I immediately disputed the transaction, and since I was on vacation I was unable to talk to XXXX  during the remainder of the trip. 

Capital One approved the dispute only later to recharge me. The only reason I got for not having my charge refunded was the inability to provide a receipt of the transaction. What Capital One is failing to realize is I never received the receipt nor vehicle because the company failed to provide the service I paid for. I have talked to multiple people from Capital One, all of which have been of no help. After explaining the situation the first time to the first representative he told me he doesnt see how capital one would not accept my dispute. But months later Capital One declined my request and charged me the money for a rental car I never received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Webcollex, LLC
State: TX

Complaint narrative:
CKS Prime Investment has placed a nonverifiable debt on my credit report. It is badly effecting my credit score. I have notified them of the inaccurate information and noncompliance. They will not stop collecting after I told them to Cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is not a duplicate complaint! This is a request of documents and information. This is a complaint because Capital One is not sending documentation and information on the account. 
I request method of payments on the account. Specifically, the methods of payments used that bounced. The bounced payments then afforded this person to continue using the card and allowed the credit limit to be exceeded. 
Please, I need method of payments, accounts used, name of these accounts, IP Address, etc. Please call if you do not understand. 
I have already sent sheriffs report, FTC identity theft reports etc., and your denial of fraud continues. The documents and information I am requesting will reflect a pattern, the identity of a person, and allow me to update the sheriffs report, and allow me to pursue. I have repeatedly requested this information and you are hurting and preventing me to establish the fraud. 
Again I ask, please call if you do not understand my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: IL

Complaint narrative:
A debt in the amount of {$330.00} from a creditor I am unfamiliar with is reflecting on my credit report. I have reports that were submitted to the FTC due to being a victim of identity theft which has lead to unauthorized accounts being opened in my name using personal information. This account does NOT belong to me and I have contacted the lender as well and made them aware of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Credit reporting, credit repair services, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$8300.00}, {$8800.00}, {$19000.00}, {$17000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- INSTALLMENT LOANS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

4. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account.

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 2020-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have a XXXX account that is showing two missed payments, forXX/XX/2017 and XX/XX/2017. This is grossly inaccurate and I feel as if it is an attempt to keep my credit score held down, as an effort for me to be FRAUDULENTLY charged higher interest rates. These late payments need to be removed bc XXXX is fraudulently considering them late. Ive reach put to bank personnel several times and no one can seem to tell me why these late payments are still appering on my credit report. My next step would be to escalate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have a XXXX account that is showing two missed payments, for XX/XX/2017 and XX/XX/2017. This is grossly inaccurate and I feel as if it is an attempt to keep my credit score held down, as an effort for me to be FRAUDULENTLY charged higher interest rates. These late payments need to be removed bc XXXX is fraudulently considering them late. Ive reach put to bank personnel several times and no one can seem to tell me why these late payments are still appering on my credit report. My next step would be to escalate 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 2020-09-20 00:00:00
Product: Credit reporting, credit repair services, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$8300.00}, {$8800.00}, {$19000.00}, {$17000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- INSTALLMENT LOANS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

4. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

5. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account.

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 2020-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$8300.00}, {$8800.00}, {$19000.00}, {$17000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- INSTALLMENT LOANS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

4. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

5. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: IL

Complaint narrative:
A debt in the amount of {$1400.00} from a creditor I am unfamiliar with is reflecting on my credit report. I have reports that were submitted to the FTC due to being a victim of identity theft which has lead to unauthorized accounts being opened in my name using personal information. This account does NOT belong to me and I have contacted the lender as well and made them aware of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Suburban Credit Corporation
State: VA

Complaint narrative:
XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX I did not know about I do have a collection bill. Because, I had XXXX card that time when I use. Until now? my credit is freeze. Can you fix it please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: AR

Complaint narrative:
EFFECTIVE TODAY THE FOLLOWING CRA ARE PROHIBITED FROM PULLING MY CREDIT PROFILES AND DATA, FACTUAL DATA, XXXX, XXXX, XXXX, WE WILL BE FILING A CLASS ACTION EFFORTS INCORPORATING ALL FURNISHERS, CRA ETC.. XXXX  XXXX HAS ELECTED TO SUPPRESS OUR FILES SINCE XX/XX/2015 IN VIOLATION OF THE F.C.R.A. 15 U.S.C. Section 1681g and THE DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have a BBVA account that is showing two missed payments, for XXXX 2017 and XXXX 2017. This is grossly inaccurate and I feel as if it is an attempt to keep my credit score held down, as an effort for me to be FRAUDULENTLY charged higher interest rates. These late payments need to be removed bc BBVA is fraudulently considering them late. Ive reach put to bank personnel several times and no one can seem to tell me why these late payments are still appering on my credit report. My next step would be to escalate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely, XXXX XXXX THESE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME PLEASE REMOVE THEM XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XXXX  XXXX, XXXX Miscellaneous Reptg. Agencies XXXX  XXXX Inquiry from XXXX  XXXX, XXXX Auto Financing XXXX XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, New Consumer XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing Consumer XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All Banks

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 2020-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a copy of my Experian credit report, report # XXXX for XX/XX/XXXX. The credit report showed a Chapter XXXX Bankruptcy public record and a comment stating the Information was published by XXXX XXXX. I sent a letter to Experian disputing the Information being furnished by XXXX along with a copy of a letter from XXXX dated XX/XX/XXXX confirming the security freeze that was placed on my account. I also included a letter from US Bankruptcy Court XXXX District of Ga dated XX/XX/XXXX confirming that they do not report to a credit reporting agency. I received an email from Experian on XX/XX/XXXX stating the Information was verified as correct and will remain. I believe their investigation was invalid. This Information could not have been furnished by US Bankruptcy Court because they do not report to a credit bureau, nor was the Information verified by XXXX due to a freeze that I have on my account. I opened claim # XXXX XXXX on XX/XX/XXXX. The claim was closed on XX/XX/XXXX due to a response from the credit bureau. The credit bureau noted that they would reinvestigate. On XX/XX/XXXX, I received a notification from them that the Information would remain. That was not enough time to recertify the Information. I am respectfully asking for this Information to be removed due to invalid verification and incorrect reporting. Thank you for your assistance in helping with this matter. 
Kind Regards, XXXX XXXX XXXX ss # XXXX DOB- XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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