vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC.
State: IA

Complaint narrative:
I received a call from a caller ID that stated it was XXXX XXXX. I answered as I had a pending claim, and was told it they might need additional information. Once answering the person on the phone asked if I had authorized a transfer of {$1000.00} ( keeping in mind he already had all information needed for me to be under the impression it was actually the bank Including name, phone number, account number etc. ) He told me that it could get taken care of all 's I needed to do was approve the transaction from my end so that a reversal could take place ( which I received text/email confirmation of and that all of my money would be safe. After that he stated that he needed to check my other accounts to see if the same person tried to make a transaction with those accounts. He stated that there were 2 {$500.00} pending transfers in my account with ally bank, and that I needed to follow the same steps, and that everything would be taken care of. This call took place on XX/XX/XXXX from the phone number XXXX. I called that bank immediately after hanging up the phone to confirm the information. They informed me that i was not really talking to someone from the bank, then told me that there was no way to stop the transactions. I was told to file and claim and that my money would be returned in 10 days. I received no communication from either bank about the status of either claim so I called XX/XX/XXXX to check that status. I was told by Ally is was denied and they couldn't give me any more information until I received a letter in the mail, and XXXX XXXX wouldn't give me a straight answer. I finally received letters in the mail from both today XXXX that my claims were denied. I tried calling to see what else could be done to retrieve my XXXX that was taken and they told me it was my fault because I approved the transition on my end and they won't be giving my money back. They would as continue to transfer to me different people throughout all of the calls because they did know what to tell me.

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 2023-04-04 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
My identity has been stolen and it has been used to open account under my name like credit and collection as well.

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 2023-04-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It has been over 30 days and creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and must delete my late payment on my credit report. 

Under federal law they had 30 days to complete the investigation and by failing to do so the items must be deleted from the report as soon as possible. 

I sent a letters to the credit buraus so that they can validate this account on XX/XX/2023. I still haven't heard back.

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 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to you today to request your assistance in resolving a serious matter that has caused me significant financial harm. I am the victim of an employment scam that has resulted in my bank accounts being frozen, and I fear that I may also be the victim of identity theft. On XX/XX/2023 im am disputing a number of things first a check that was cleared and then reversed without being told in real time by the criminals for {$4700.00} that was fraudalent. 2nd that both charges be immediately dropped for XXXX and XXXX and that MY money {$2500.00} is finally freed and available and this case is closed. its simple the disputes are dropped for obvious reasons and all proof provided and MY money prior to ALL this is returned and freed NOT some provisional credit thats gone on for 7 weeks now and my funds being frozen.

This sophisticated scam has affected me for more than 7 weeks now, and I have filed reports with all governmental regulatory agencies, including the FBI. I have provided all documentation to support my assertion, including proof that I was hired via email, sent an offer letter, and received a check that cleared by my bank but was then reversed in real-time without my knowledge. 

During this process, I was instructed to send personal funds for office equipment for my remote office to 'vendors, ' which I now know were criminals impersonating high-level executives at a global billion-dollar company. All emails, XXXX Teams, IP addresses, bank accounts, and more can be traced, and I have attached all relevant documentation to this letter. 

As a result of this scam, my bank account went into negative, and I was instructed to send personal funds as well. My bank account is now frozen, and I have no access to MY money. This dispute has gone on for far too long, and I am suffering the consequences of this employment fraud. 

This scam is so viral that major job sites such as XXXX, XXXX, and XXXX have put " Beware of '' in certain job descriptions and specifically stating they would never ask what the criminals did of me. I can attach this as proof as well if need be. 

I am reaching out to you today to request your assistance in forwarding of my proof, all documentations of my case, and my legal rights. I will employ legal aid to assist in this matter as well. I urgently need your assistance in resolving this matter as soon as possible. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: DISCOVER BANK
State: MA

Complaint narrative:
My identity has been stolen and it has been used to open account under my name like credit and collection as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
My identity has been stolen and it has been used to open account under my name like credit and collection as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-04-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX account # XXXX has violated my rights. 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

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 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
Each and every month I receive social security payments and my pension payments direct deposit with Wells Fargo Banks. Who has been having problem with funds being withdrawing from my Debit Visa Card that I didn't unauthorized each and every month from my checking account. My Wells Fargo Debit Visa Card has been replace three time as being fraud victim. Which doesn't make sense. Last month my Wells Fargo Debit XXXX XXXX XXXX XXXX replace with second Wells Fargo Debit XXXX XXXX XXXX XXXX. This second Wells Fargo Debit Card has been replace again as me being fraud victim again.

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has XXXX XXXX rights. 

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.

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 or 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 2023-04-04 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: AZ

Complaint narrative:
XXXXXXXX XXXX Account numberXXXX {$1000.00} XXXX XXXX XXXXXXXX {$600.00} XXXX XXXXXXXX {$720.00} Addresses XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX My consumer right has been violated according to 15 us code 1681 .... inaccurate which should be deleted 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 non-monetary relief
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, 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: IN

Complaint narrative:
Please Remove the following accounts from this report as it in direct violation of my consumer rights. 
According to 15 US 1681 C2

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Please Remove the following accounts from this report as it in direct violation of my consumer rights. 
According to 15 US 1681 C2

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 2023-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
XX/XX/XXXX Rocket Mortgage created & approved a mortgage for {$100000.00}, account XXXX. The loan was on XXXX XXXX XXXX, XXXX yr old, & unqualified co borrower XXXX XXXX XXXX. The co borrower is not, was not qualified for this loan, Rocket Mortgage took advantage of XXXX XXXX, who passed 9 months later. XXXX XXXX was frail & obviously in declining health. XXXX XXXX passed XX/XX/XXXX. This loan should never have taken place, it caused tremendous grief & worry for XXXX XXXX. He had paid cash for the property at XXXX XXXX XXXX XXXX XXXX Ga XXXX on XX/XX/XXXX. XXXX XXXX did not know how to turn a computer on much less go through an online mortgage. The co borrowers section of this mortgage should be reviewed & Rocket Mortgage be held accountable for approval of a false application. 
XXXX XXXX was frail in health. He was of sound mind, but did not understand the process or the consequences of this loan. 
If in fact the loan does not have a co borrower listed, Rocket Mortgage is illegally keeping the account open. Rocket Mortgage has been notified XXXX XXXX passing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
Hello I have a member fee ( XXXX point ) Venture Capital One credit card. At the end of XX/XX/2023 I got an offer on my phone app to upgrade my credit card to one that doesn't charge member fee but they decrease the points to 1.5. I took advantage of this promotion knowing that my current credit card it was gon na expire on XXXX. They send me the new credit card by mail. Now when I was checking my charges online I saw they charged me the annual fee on XX/XX/XXXX ( XXXX dollars ). When I call to ask them ( call made Tuesday XX/XX/XXXX around XXXX XXXX  ) to void this charge they said they cant do this. And now I paid for the credit card that I am no getting all the benefits ( XXXX point ) and I get to use only that supposedly is XXXX annual fee but is only XXXX points. I think this is very unfair. 
The manager didnt give me any solution only saying that I approve the addendums and stuff when I change the credit card. My complain is what they give me the option to Upgrade to a card that I was going to save on annual fee when they already had charge me for the Annual fee. This action by Capital One was misleading and corrupted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX In accordance with the fair credit reporting act the company name has violated my rights 15 u.s.c 1681 section 602a states I have the rights to privacy. 15 u.s.c 1681 604a.section 2 It also states a consumer reporting agency can not furnish a account with out my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I FILED A COMPLAINT THAT SOMEONE STOLE MY IDENTITY AND CREATED A XXXX XXXX  ACCOUNT NUMBER XXXX  XXXX. THE ACCOUNT IS REPORTING TO MY EQUIFAX REPORT AND I WANT IT REMOVED. I FILED THIS SAME COMPLAINT BACK IN XXXX YET THEY CONTINUE TO REPORT THIS ACCOUNT ON MY CREDIT REPORT AND THEY CLAIM THIS ACCOUNT BELONGS TO ME AND IT DOESN'T! THIS IS MY LAST RESORT BEFORE I FILE A LAWSUIT AGAINST EQUIFAX FOR POORLY HANDLING THIS DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
A XXXX XXXX  credit card and a XXXX credit card was opened in my name. Additionally my name was changed on my credit report. XXXX XXXX  has contacted XXXX XXXXXXXX and XXXX to report fraud. My name has been corrected with XXXX. 

The XXXX XXXXXXXX credit card was opened on XX/XX/. The XXXX credit card was opened on XX/XX/XXXX 

As of XX/XX/ my credit score was XXXX. 
Currently with the credit checks and these 2 credit card added which I did not open or apply for, my credit score has dropped to XXXXXXXX XXXX XXXX is currently in process to resolve and restore this issue,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
The information submitted to the credit reporting agencies from Navy FCU shows that I was late with 5 payments in XXXX, but does not show that the account was paid in full before being closed. 

I never gave Navy FCU or any of the credit reporting agencies authorization to share my personal information ( XXXX XXXX XXXX [ Fair Credit Reporting Act ] ) with anyone. 

I contacted the Navy FCU last year, and each of the three primary reporting agencies last year and this year about this issue and have not received any helpful responses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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:
I found fraud inquires on my credit report at XXXX and Equifax. Tried to call them, but they refused to wipe this inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I am involved in a debt lawsuit with this company beginning in XXXX and ongoing. 

The company failed to send a required XXXX XXXX prior to lawsuit. 

The company has filed multiple false and misleading affidavits in this case ( Attached ). 

Specifically, affidavits involving affiants XXXX XXXX and XXXX XXXX. 
This is in violation of XXXX 's recent XXXX agreement with the CFPB and the FDCPA. 

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b.2. This company has no permission to report anything using my information pursuant to 15 USC 1681 4.

Company response to consumer: Closed with non-monetary relief