vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: FL

Complaint narrative:
I advised this company remitly i was a victim of identity theft someone stole my identity and open profiles in there company sent money from my business account to overseas falsificate documents and I want them to refund my money and closed any profile they have of my name XXXX XXXX XXXX or my company XXXX  of there site I submitted police report I never authorized someone to open a profile in this company any transactions auhthorize are fraudulent and product of theft I never open a account I sent police report this company allows theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: NC

Complaint narrative:
This is a formal complaint to request that you remove the fraudulent items off of my Credit File. I am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The XXXX and Experian Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports that I need you to remove : XXXXXXXX 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 XXXXXX/XX/XXXX. In accordance with the Fair Credit Reporting Act Section 605b, you are expected to remove any accounts and information that are found to be items resulting due to identity theft. So please comply with the law and have the disputed items removed as soon as possible.

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 2023-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MD

Complaint narrative:
Sequium Asset Solutions LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX is claiming I owe {$1300.00} for an account that I have no knowledge of. I have never owned/opened an account with XXXX XXXX XXXX I wrote Sequium Asset Solutions on XX/XX/2023 and disputed the debt and requested the name and address of the original creditor. Sequium Asset Solutions has not responded to date. 

On XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023, the true owner of the account ( the individual who signed the contract ) called XXXX XXXX at XXXX to receive information on the past due balance. The information provided by XXXX XXXX was that the account balance was XXXX dollars. This information is different than what was provided by Sequium Asset Solutions , LLC. 

On XX/XX/2023 ( XXXX XXXX  ), XX/XX/2023 ( XXXX XXXX  ) the true owner of the account ( the individual who signed the contract ) emailed XXXX to receive information about the debt and to date, has not received a response from XXXX, XXXX. 

I called XXXX XXXX at XXXX on XX/XX/2023 to discuss with the company directly as to why my name is listed on an account I have no knowledge of and never signed for. After being on the phone with XXXX XXXX for 31 minutes, I was transferred to three different departments and eventually was transferred to a voice mail which said that there was no one available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Dear maam/ sir Capital One closed my account for the risk account as they said. 
I got scammed {$39000.00} by XXXX XXXX, who was my friend, in XXXX with two checks for investment, The first check is {$20000.00} on XX/XX/XXXX. The second check is {$19000.00} on XX/XX/XXXX. But XXXX XXXX didnt invest the money for me, I reported it to a government agents, FBI XXXX police office, XXXXXXXX XXXX XXXX..all I could. Finally XXXX XXXX XXXX, in Florida. He helped me in my case and is connecting with the scammer, XXXX XXXX, she lives in XXXX. and I live in XXXX. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX : ( XXXX ) XXXX Direct : ( XXXX ) XXXX XXXX is helping me so hard to get my money back. XXXX XXXX finally wired me {$10000.00} XX/XX/XXXX from her XXXX bank to my Capital one. Then Capital one closed my account.. I checked with Capital One XX/XX/XXXX and let them know I am a victim of a scam case, XXXX XXXX is helping me to get money back and also tell them all the details they want to know.. 

Capital One still determined to close my account and said I am not allowed to open a new account in Capital one anymore.. 

I was What? and asked them the reasons and communicated with them with kindly tone.. They said my account is a risk account and didn't give me any reasons.. I am a victim not a criminal, why did the bank punish me and didnt even tell me the reason.. ( I know they have the right not to need to let the customers know the reason ) They will send me the information and all my balance with a check. it " may be '' not including {$10000.00}. They may/ might keep the {$10000.00} to do some inspection. ( I get this point.. ) But what I dont get is why they ban me from using Capital one? I didnt do anything wrong, I am a victim I am afraid it would affect my credit and my husbands, cause the account is under both of our names And the criminal, XXXX XXXX XXXX still is able to use her XXXX  accountThat is sooo not fair and not right. 

Please help!! Thank you so much!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have disputed a bankruptcy with XXXX and XXXX twice and they have failed to follow the law. After reviewing my credit report I noticed that there is STILL a U.S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.SXXXX Bankruptcy Courts, The Bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. PLEASE SEE ATTACHED BANKRUPTCY LETTER. XXXX and XXXX is also violating 15 USC 1681b ( a ) ( 2 ) considering they do NOT have my consent to furnish any information. Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumers report. Activity and continuous violations are causing me great injury as XXXX and XXXX is preventing me from receiving credit to support and sustain my family. Public records information is NEVER validated by the Recorder of Deed nor the U.S. Court system due to Fair Credit Reporting Agency PRIVACY LAW. As required by FCRA 611 ( a ) ( 7 ), no information was provided after the 30 days.

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 2023-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
Took out a Title Loan on a vehicle for the amount of {$2500.00} Paid on this loan on time for 5 months. The interest kept raising, to where I was unable to afford the 500 % increase in this loan. 

The vehicle was repossessed by XXXXitle Company " 800 Loanmart ''. 
Their address is : XXXX XXXX XXXX XXXX XXXX CA XXXX Phone number : XXXX However, they continue to add interest to this loan and keep it on my credit reports as in default of {$17000.00}. with the account " charged off '' in the amount of {$2500.00} They continue to charge interested on a loan that was charged off and repossessed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
On XX/XX/2022, I received suspicious activity email from the credit card company and replied that I didn't recognize the charges and didn't authorize them. 

As the XXXX XXXX credit card statement shows on XX/XX/2022, two charges were made on my card. The first one was for {$220.00} and the second one for {$450.00}. 

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022, I filed three different challenges on the charges. The company removed the charges temporarily and immediately charge them again. 

They keep charging me and making threats to report the credit companies. 

Every time I try to contact the company no one seems to know about the issue. 

The company has removed the option from the online banking app to file a challenge to the charges.

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 2023-02-07 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
This account needs to be removed from my credit report immediately. this is not my account I have already filed an Identity Theft Police Report On XXXX XXXX XXXX reference number XXXX. please delete this account from my credit history 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 2023-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XXXX XXXX, I began the process of refinancing my home through Wells Fargo ( WF ). Currently, they are my mortgage company. I was told I needed to have the home appraised and the cost would be {$600.00}. I paid and in XX/XX/XXXX the home was appraised. The Valuation Report was sent to Wells Fargo for an underwriting review. This is where things got sticky. The Wells Fargo representative verified all the documents I submitted. Everything was going smoothly until I was asked about a home I returned to XXXX  in XX/XX/XXXX due to financial difficulties I was experiencing. Although I voluntarily returned the home to XXXX after attempts to complete a short sale, it is listed as a foreclosure. Furthermore, the WF rep asked for various documents from XXXX such as payroll documents as check stubs, income taxes, billing statements from the XXXX XXXX XXXX where my son went to college. I informed the rep that I was employed with the XXXX XXXX XXXX at the time. Once an employee leaves the agency, payroll records are not maintained. Also, my XXXX graduated in XXXX. The university no longer maintained the billing statements. Lastly, I only keep tax records for XXXX yrs after filing. Therefore, I only had tax docs dating back to XXXX. I provided the WF representative a copy of the Letter of Explanation sent to XXXX discussing the circumstances surrounding my returning the home. 

The WF rep was also asking for detailed information regarding my FHA loan. WF was the holder of my mortgage at the time. Therefore, the information regarding the FHA loan was already on file. 

Note, at the time ( XX/XX/XXXX ), XX/XX/XXXX was more than 7 years prior. It is my understanding that financial institutions can not request information or ask for documents, etc., about incidents that occurred more that 7 years prior. 

Bottom line : Wells Fargo asked for information that did not align with the preliminary assessment I completed for them before being assigned a representative and was outside the 7 year window. 
I felt this tactic was used to substantiate denying me the loan. For the record, I am a XXXX American female over the age of 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 2023-02-07 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: GA

Complaint narrative:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021.

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 2023-02-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The vehicle was repossessed by about, XX/XX/XXXX XXXX XXXX and was resold on XX/XX/XXXX. 
Under the laws of the State of ILLINOIS and XXXX XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. There was NO provided copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. Since no such proof was provided within 30 days from receipt of the notice, the alleged claim of a deficiency is to be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the XXXX  and 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 2023-02-07 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: AZ

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 2023-02-07 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: TX

Complaint narrative:
I am writing to delete the following information off my file. The items that I need are listed in the report. I am a Victim of identity theft and did not give any person permission to use my information and did not make the charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit, I.D., & Proof of Address. Please delete them as a soon as possible.

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 2023-02-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Bank of America keeps charging me the {$8.00} maintenance fee even though I did have at least {$500.00} in my account to satisfy the exemption. I keep trying to reach their customer service, but nobody is responding.

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 2023-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ATTENTIONION : IN RESPONSE TO CFPB : XXXX Whom It May Concern : According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Alleged Name and Address of Creditor 1. Name on File of Alleged Debtor : 2. Alleged Account # : 3. Amount of alleged debt : 4. Date that this alleged debt became/becomes payable : 5. Date of original charge off or delinquency : 6. Amount paid if debt was purchased : 7. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

8. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

9. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 10. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 

I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: FL

Complaint narrative:
Dear Transunion, I am writing to dispute the fraudulent accounts that have been reported on my credit report. I have never applied for any of the accounts listed. In addition, I have not authorized any person or company to access my credit report. These accounts are inaccurate fraudulent information and has hurt me the previous few months in obtaining housing and business funding. 
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 an account without my written instructions. According to the law U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date in which the agency receives the notice of the dispute from the consumer or reseller. 

I request that you investigate and remove any fraudulent inaccurate accounts from my credit report immediately. Please provide me with written confirmation that this issue is resolved. 
XXXX XXXX XXXX Account # XXXX Date Opened XXXX XXXX XXXX Balance due {$830.00}. 

XXXX Account # XXXX Date Opened XXXX XXXX Balance Due {$18000.00} This account is fraudulent and inaccurately reporting on my credit report. Under the fair credit reporting act this account is closed and past the 7-year statute of limitations and must be removed immediately. XXXX states that this company is not licensed or regulated to collect a debt in my state, 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