vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
They contacted me via XXXX  to work online on XX/XX/XXXX. 
Registered on XXXX on XX/XX/XXXX. The person they call as a " mentor '' started giving me a training. When I finished the small training tasks, she said to install and use XXXX, XXXX, XXXX to pay about {$XXXX}. She taught me how to receive the payment, convert it to XXXX and then again to USD to put in my bank account. 
Then they told me to do more, I needed to pay {$XXXX}. Thought that's kind of the lesson fee, so, I paid. 
At the end of the day, I made more than what I paid. But I didn't withdraw that because they require " prepayment '' to start the jobs next day. This prepayment amount is going to get higher depends on what you made and that's the measurement of the level setting. The higher level, the more pay we can get. 

On the XXXX day, there was another type of the tasks which require more prepayment. This one was a training task, so, the mentor paid. 
Later on that day, when I started my own tasks, I got the same type of tasks. Still small amount, so, I paid. 
Repeated this for XXXX more days. On the XXXX day, I was able to keep about {$XXXX} in my XXXX  account. They recommended me to make a higher prepayment, which is {$XXXX}. I said no. I wanted to keep some money in my XXXX  account for the next day in case I get this higher prepayment tasks. 

Then the XXXX day, on XX/XX/XXXX, I finally convinced this is a scam. Those tasks which require higher prepayment showed up a lot on me. The mentor said there is a limit of XXXX of those tasks. But it wasn't. At the end, I paid more than {$XXXX}. I was planning to withdraw all money and quit once I complete the tasks for the day. But then at XXXX XXXX of only XXXX tasks were left, this higher amount task showed up. This time, it was {$XXXX}. At this point, I was already crying and asked the mentor for help. She just kept telling me to stay calm and look for where I can get the money. She told me to ask friends for loan. I just left the site and she kept telling me to pay the money and keep going. 

They had a chat group and they said they were making a lot of money. Later on, I head those people are also a part of scammers. 

I reported to XXXX on XX/XX/XXXX. Also, hired XXXX people to get back what I paid. Also, I contacted Capital One and XXXX. 
Capital One once returned money only {$XXXX} or so, but at the end, they pulled the money. XXXX said they won't do anything. 

I also reported to the local police. Waiting for the report comes out. The case number is XXXX. Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

The site they used is already shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: TX

Complaint narrative:
I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries listed on my credit report under the Fair Credit Reporting Act ( FCRA ). These inquiries were made without my knowledge or consent, and I am requesting their immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: NJ

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries listed on my credit report under the Fair Credit Reporting Act ( FCRA ). These inquiries were made without my knowledge or consent, and I am requesting their immediate removal.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please remove these inaccuracies off of my report as they are negatively affecting my credit scores- resulting to a huge damage to my mental well-being and overall state of living.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to disputed acount on my credit report that were withoit my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ), THETE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. Hard inquiries 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 explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
On XX/XX/24 I deposited XXXX checks into my Chase Bank checking account, in the amount of {$XXXX} and {$XXXX}. The checks were drawn on XXXX XXXX Account. The checks were issued by a title company and represented proceeds from a sale of real property. 
Chase Bank withheld availability of most of these funds. Chase promised {$XXXX} would be available on XX/XX/24, but those funds still have not been released. Another {$XXXX} is being delayed until XX/XX/24. 
Why is Chase not obligated to give me access to these funds by the Federal Reserve Board 's midnight deadline under FRB Regulation CC and XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: MI

Complaint narrative:
IDENTITY THEFT REPORT ATTACHED ) The FCRA was created to protect the privacy of consumers confidential information and to ensure CRAs do what's fair and equitable for the consumer in which XXXX has failed to do as they are reporting a FRAUDULENT XXXX ACCOUNT ON MY CREDIT REPORT. XXXX has allowed XXXX to Intrude upon my private information. 
BLOCK THE FRAUDULENT ACCOUNT AS REQUIRED BY LAW ( FCRA ) TO PREVENT ME FROM OCCURRING FURTHER DAMAGES.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
When I went to review my credit profile there was some inquiries that were not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The late payments don't reflect my normal payment Please correct and adjust my accounts immediately.

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 2024-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was contacted by someone named XXXX, who stated that he was a representative of Wells Fargo. He stated that he had reviewed the business account overdraft protection charges. He concluded that $ XXXX of overdraft fees over a year or more had been credited to the business accountend of investigation concerning overdraft fees. He also mentioned that an ongoing investigation concerning the breach of the business account involving the opening of an account by an employee of Wells Fargo along with an unauthorized breach of personal and business information. I also received a letter from Wells Fargo mentioning possible mediation to solve the breach of account matter, but yet to receive further communications. 

I'm in total disagreement with his conclusive overdraft claim about the previous un-timely claim # XXXX, and I think that a special third-party auditor should be assigned to the task of the investigation. As this is related to overdraft fees and other practices stemming from back in XX/XX/XXXX, when Wells Fargo came to a settlement with the CFPB regarding abuse of fees and interest charges handed down by the bank to customers in which I'm a victim. Please note that the breach of account started in XXXX, and is yet to be resolved.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damagin

g my credit score and financial reputation. The inclusion of these unauthorized accounts and inquiries h
as caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-08-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
XX/XX/XXXX I tried to withdraw XXXX from my savings account from a XXXX atm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX my bank got these documents from the merchant saying I benefited from the transaction but when I called XXXXXXXX XXXX  and talked to XXXX XXXX ( XXXX ) XXXX she said the transaction was reversed so on XX/XX/XXXX my bank issued a pos for XXXX dollars but then they took it back XX/XX/XXXX because they said XXXX reversed the amount but I never received anything from XXXX or my bank its been almost 3 months and I havent received my money they did deposit it as a credit but then they took it right back so I never received it from either my bank or XXXXXXXX XXXX the only real proof is the video footage from that atm but my bank refuse to ask for the footage because theyre just going with what the merchant said without any real proof Im hoping you guys will get the video footage to prove I didnt receive my funds or the documents from XXXX saying that the transaction was reversed so I will receive my funds because I never actually got them and my bank said they can no longer help me get my money back so Ive filed a complaint two months ago and I still havent gotten my money so Im really hoping you guys can somehow get the evidence or the money Ive never received

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I know I pay on time, so Im unsure why this company is showing late payments for specific months. USC 1666b states that billing errors should be fixed and updated to " paid as agreed. ''

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 2024-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I received information ( letters ) from the collection agency stating that they are servicing an alledged account that I dispute in its entirety. 
Their response to my dispute that I submitted via CFPB. Again, I am requesting in accordance with Section 1006.34 CERTIFIED PROOF that I received a copy of the letter because I will sware under oath that I never received it and via CFPB portal is the first time I laid my eyes on it. Therefore, I want in accordance with the aforementioned LAW that I received it. 

I demand PROOF that they sent me notice regarding this alledged debt that I dispute in its entirety. 
I want the entry to be DELETED from ALL credit reporting agencies that they are illegally reporting to. If this information is not removed then I could care less that they retain {$300.00} - {$500.00} hourly for attorneys to defend the agency ( s ). 
I will be seeking compensation for your illegal actions if I am forced to. 
Additionally, I am requesting in accordance with the Gramm-Leach- Blilley ( 6802 ) act that the Financial Institution that alledges they have a right to transmit my NON PUBLIC PERSONAL INFORMATION will have to prove it. 
Additionally, I am requesting that I be provided with proof that the Financial Institution regarding this alledged debt in accord with the Gramm-Leach-Blilley-Act ( GLBA ) furnish me with an intial private policy notice as well as annual privacy notice during my alledged tenure as a customer provided under ( GLBA ). 
As an alledged customer Financial Institutions can be held liable for failing to provide these notices to customers and fined {$10000.00} to {$100000.00}. I am requesting this information since you are alledging I owe this debt to a Financial Institution at some point. 
Financial Institutions must adhere to such regulations and are deemed Financial Institutions in accordance with Title 12 1843 ( k ). 
I was never a customer and demand you prove it. I also am requesting a copy of the PURCHASE AGREEMENT regarding this alledged debt between the parties purchased the account and alledged ORIGINAL CREDITOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-26 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: HI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-08-26 00:00:00
Product: Credit 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: DISCOVER BANK
State: MN

Complaint narrative:
My credit card was charged the following amounts on the following dates from XXXX XXXX XXXX. {$260.00} XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and I contacted XXXX trying to figure out what the charges were for when we discovered that I had a medical policy in XXXX with a company at this number with a different name. I cancelled that policy in XX/XX/XXXX because it was not the Health Insurance I was told I would be getting. XXXX told us that they would need a complete copy of my credit card statement in order to figure out what I was being charged for. They did confirm my cancellation in XXXX. 

I next called Discover and disputed all of these charges. Temporary credits were issued by Discover. XXXX sent paperwork to Discover claiming I requested their services. Their claim is false and I tried to explain to Discover that my name is misspelled ( XXXX XXXX ), my address is incorrect, my phone number is incorrect, my email is incorrect and the signature is not mine. 

I have been trying to resolve this issue since XX/XX/XXXX. I have received credit back for all charges except {$530.00}. The XXXX charge of {$240.00} and XXXX charge of {$290.00}. 

On XXXX XXXX Discover placed a stop pay on my credit card to try to prevent XXXX from charging my account again but on XXXX I was charged again. I contacted Discover immediately and they then shut down my card and issued a new card. 

A Discover Card representative told me that if I got a termination letter from the company all charges would be removed so I contacted the company and forwarded the termination letter to Discover only to be told it did not matter. I again tried calling Discover and was transferred to a XXXX XXXX, in Ohio. She told me that the merchant had shown proof that I did agree to this transaction and the case was closed. XXXX was on the call wil me and was asking how their claim could be valid when all of the information ( spelling of name, wrong email, address, etc ) when XXXX announced she was ending the call and hung up on us. 

Please note in compiling this information to file with your agency, I have found that the charge of {$290.00} on XX/XX/XXXX was not issued a temporary credit and it should have been part of this dispute. There have been so many charges and credits regarding this matter it has become very confusing. 

At no time in XXXX did I authorize XXXX to charge my credit card nor have I requested their services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX RESIDENT VERIFY

Company response to consumer: Closed with non-monetary relief