vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
After reporting immediately to Capital One I mistakenly said it was fraud but it is a scam. The phone people told me they were the Fraud Dept and to secure my account I needed to transfer {$400.00} to XXXX XXXX and he would in turn return it when my account was cleaned. I am XXXX XXXX XXXX and use this money for rent and Capital One did not return it because I sent the money. Of course I sent the money because the scammer told me it was necessary. i didn't realize I was scammed until it was completely over. I tried stopping the transaction. XXXX returned my money immediately and I don't know why Capital one will not give me back my money. I am on thin ice with my landloard.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Company performed a hard inquiry that I need removed immediately unless they provide proof of my authorization and identify the security breach in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: NJ

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

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 2024-02-22 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: TX

Complaint narrative:
I am the victim of Identity theft. I am writing to bring to your attention fraudulent information on my credit reports.

UNDER the Following Sections please Adhere to the details that Fall under Consumer Law. I request the removal of the following items in accordance with 12 CFR Part 1022 ( RGULATION V ) Implementing sections 605A, 605B, and 609 ( a ) ( 1 ) including but Sections 1022.82, Section 1022.123 1681b of the FCRA. 1022.82 Duties of users regarding address discrepancies.

Furthermore, I have reviewed a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

Please see the following accounts that have appeared on my credit report from an identify theft, in which the thief criminally utilized my information to open them. Please block and remove these accounts. Supporting documents substantiate and validates the claim. 

XXXX XXXX XXXX XX/XX/XXXX {$22000.00} XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX  {$8100.00} XXXX  CHILD SUPPORT XX/XX/XXXX {$3800.00} XXXX  CHILD SUPPORT XX/XX/XXXX {$0.00} XXXX XXXX XXXX  {$160.00} XXXX XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XX/XX/XXXX {$530.00} XXXX XX/XX/XXXX {$24000.00} XXXX XXXX XX/XX/XXXX {$7400.00} XXXX XXXX  {$11000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-02-22 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from 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 non-monetary relief
Consumer complaint received 2024-02-22 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
i have been with wells fargo for over 15 years i went delingent back in XXXX. of XXXX my lawyer was able to get me state my home ct. XXXX but she said i had to complete 3 trial mortgage payments of XXXX which i did and then they would the XXXX towards my mortgage i let everything go to make those payments they said i owe XXXX on my mortgage how is that possible they did not take any of those payments off that i already made before i became pass due. but now they say i have to due more payments before they will add the XXXX they gave me a payment which is not afordable to me. in XXXX or XXXX they gave me a modification they took XXXX out of my payments to pay a lawyer for the modification and i also think i paid for other modification i am only on soc. sec. wells fargo is ripping me off i know thew have been pocket my money i am XXXX XXXX XXXX they want XXXX a month if i pay that i will have no lights no oil no tv no nothing. they are to take everything from me i was suppose to make 3 trial payments and wells fargo was suppose to add 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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I attempted to log into XXXX 's website and submit a dispute and it ALWAYS say error and does not allow me to do it. There are no fax numbers, email attachments or other electronic methods to submit dispute info AND I am locked out. To add, I was a victim of the XXXX settlement group and I have received info I was breached because of it. I have received no check nor any compensation for this, as I submitted paper work 2 years or so ago showing proof of over a few XXXX in fees, improper interest and other effects from this breach to my data.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I attempted to log into XXXX 's website and submit a dispute and it ALWAYS say error and does not allow me to do it. There are no fax numbers, email attachments or other electronic methods to submit dispute info AND I am locked out. To add, I was a victim of the XXXX settlement group and I have received info I was breached because of it. I have received no check nor any compensation for this, as I submitted paper work 2 years or so ago showing proof of over a few XXXX in fees, improper interest and other effects from this breach to my data.

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 2024-02-22 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from 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 2024-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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.

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 2024-02-22 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: R & B Corporation of Virginia
State: WV

Complaint narrative:
Credit control corp is reporting on my credit report a collections account. I have asked them over and over to send me information to verify this! They will not and I want to see it in writing! I have called XXXXXXXX XXXX, the original debt and they will provide me with nothing as well! They come off of my credit and then jump right back on! This needs to stop. I have contacted the credit companies as well. It is hurting my credit and is not fair at all. It is not just them I have had all of these that will not remove!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-02-22 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: TX

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error.

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 2024-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
So I have a XXXX  Venmo account that has a balance of XXXX in there of my hard earned money I went to make a purchase declined so I called and asked them what was going on they said the froze my account due to breaking the user agreement I then asked them how I broke it and got no answer I also asked why the froze the account without XXXX sort of notices so the steps I've also taken is sending them a demand letter of release of funds that I know they got and I can send over that info if need filing a complaint with you guys as well as the XXXX  this has caused late payment as well as XXXX point to my credit score because they are holding my money and will not respond to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: NY

Complaint narrative:
I checked my credit report in XX/XX/year> and found that I had fraudulent accounts reporting on my credit report with all three bureaus Equifax XXXX and XXXX I have sent in all necessary documents to prove my identity as well as an updated identity theft report and still nothing was done to help I did request that the fraudulent information reporting on my credit file be blocked and deleted I also called to rectify the situation and nothing was done. I mailed all the bureaus the information needed twice once through priority mail and just reciently through certified mail and nothing was done. I stated every account that should be removed as well as every address that is not associated with me be removed. I am actively in the XXXX I am asking for your help and support in this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK COMMUNITY BANCORP INC
State: WY

Complaint narrative:
On XX/XX/2023 my mortgage was officially released and the release document was recorded with the county real estate office. This mortgage is still showing as active on my credit. in XXXX of XXXX  the new owner of the property did not make their mortgage payment and that was reported on my credit. Flagstar bank has refused to talk to me about this and will not do anything to fix the issue. because of this my credit score has dropped drastically and I am unable to get a mortgage.

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 2024-02-22 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: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Subject : Urgent : Immediate Action Required to Resolve Identity Theft and Close Fraudulent Account I am writing to express my extreme concern and frustration regarding a case of identity theft that occurred in XX/XX/year> and subsequent accounts in XX/XX/year>. Unfortunately, despite multiple attempts to rectify the situation, the issue persists with my Navy Federal Credit Union account. 
I reported this incident under the claim number XXXX on XX/XX/XXXX, and provided the confirmation number XXXX. 
To compound the matter, I recently received a dispute closure message from XXXX XXXX XXXX about a Navy Federal account that claimed the customer is not in agreement. However, no one from Navy Federal has contacted me to verify any information, leaving me in the dark about their verification process. 
Despite my repeated calls to customer care, the necessary actions to close the credit card account have not been taken, even after a month. I have also submitted an appeal, including essential documents such as the police report, FTC report, lease documents, utility bills, and driver 's license details to navy federal. 
I urgently request your assistance in closing the fraudulent Navy Federal Credit Union account and ensuring its removal from my credit report since those accounts and credit card is not mine. Additionally, please take prompt action to eliminate any associated addresses linked to the unauthorized account. 
Your immediate attention to this matter is crucial, as it has been an ongoing issue that needs swift resolution. I appreciate your understanding and cooperation in resolving this distressing situation. 

In addition bank needs to compensate me for all these mental stress and for my efforts to close the account which should not have been allowed to be created in the first place without proper verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
It is basic that this record is excluded from my acknowledge report, as it isn't mine and seems, by all accounts, to be fake. I urge you to promptly address these errors by taking the necessary measures.

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 2024-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monarch Recovery Holdings, Inc.
State: IN

Complaint narrative:
Monarch Recovery Management at no point had permissible purpose to obtain, request, or review my consumers report pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). According to 15 U.S. Code 1692 ( b ) Monarch Recovery Management is a debt collector. Monarch Recovery Management previously obtained this account as a result of material misrepresentation, fraud, lack of permissible purpose & Identity Theft pursuant to 15 USC 1681 a ( q ) ( 3 ), 18 U.S. Code 1028A ( a ) ( 1 ) ( 2 ) and IC 35-43-5-3.5 & IC 35-38-1-2.5. 
XXXX XXXX  did not legally obtain my consent to sale, transfer, assign, or disclose any non-public personal information pertaining to this account with Monarch Recovery Management or any other third part as regulated by 15 U.S. Code 6802 of the GLBA. Additionally, XXXX Bank failed to provide the consumer with FULL disclosure at the initial signing. Failure to provide FULL disclosure of material information that is known to be relied upon by the consumer is misleading, an unfair method of competition, and unfair & deceptive acts of FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX NUMBER XXXX Delivered XXXX, TX XXXX XX/XX/2024, XXXX XXXX  Experian failed to open an investigation of dispute that was sent via certified mail. Experian made the letters disappear as if it never exists, with no communication. 
For identification, a notarized and signed document, a state Drivers license, a social security card, and a utility bill was provided. 

Dispute letter delivered XX/XX/2024 Listed below are the Accounts that are being challenged 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