vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-05 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: LA

Complaint narrative:
I am filing a compliant as my right under FCRA and fair credit and billing act have been violated. I have for several months trying to get the XXXX bureaus to resolve this collection I am filing a compliant as my right under FCRA and fair credit and billing act have been violated. I have for several months trying to get the 3 bureaus to resolve this collections I am filing a complaint again as there has not been any answers back from Experian for these two disputed accounts ( XXXX XXXX XXXX Account number XXXX XXXX  XXXX XXXX Account number XXXX ). I am continuing to receive calls from collections that I have no knowledge of this collection and have requested by certified letter to Experian to provide full validation under my FCRA right and also requested documentation on the company right to collect under the fair credit and billing act. Experian has violated my HIPPA privacy as info about my medical conditions by allowing XXXX XXXX XXXX. I have not received answers to both inquiries. By law the bureaus must remove if they can not provide answers in timely manner. Please remove from my credit report. I have no knowledge of this collection and have requested by certified letter to all XXXX bureaus to provide full validation under my FCRA right and also requested documentation on the company right to collect under the fair credit and billing act. I have not received answers to both inquiries. By law the bureaus must remove if they can not provide answers in timely manner. Please remove 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 explanation
Consumer complaint received 2022-01-05 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: CA

Complaint narrative:
I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. Inquiries : 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 non-monetary relief
Consumer complaint received 2022-01-05 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: TX

Complaint narrative:
The creditor has ignored my request for this alleged debt and has FAILED to send proper validation. Therefore this is FRAUD. This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: GA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX {$0.00}

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 2022-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my Transunion credit report. I recently retrieved my credit report and it showed XXXX credit inquiries that I have no knowledge of ever authorizing. 

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 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I received contact from a fraudulent Wells Fargo contact that stated my online banking was hacked and there was a pending XXXX charge on XX/XX/21. I spoke with the representative and in order to recoup the funds in transit - I wired {$1000.00} to my own email address. Apparently this was a scam and the funds were sent to a hacker. 
I contacted Wells Fargo within 5 minutes of the call and reported the comlain. 
They stated the complaint is closed as the fraud was made via XXXX and they do not cover that platform. 
Under Regulation E this should be covered.

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 2022-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: SC

Complaint narrative:
Attempted to write, and made phone call to the company Rent recovery Solutions. The company could not and did not ever verify this debt. Also they did state the signature was signed electronically. Never my signature. But they never removed account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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:
Just pulled up my credit report and still a lot of negative accounts on my name. Why you keep posting this information, its not mine. I m sure that someone have my personal information. I dont understand how I can delete those 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 non-monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA

Complaint narrative:
Dear Sir or Madam. As evidenced on the attached receipts, it is 100 % clear that on XX/XX/21, at XXXX in XXXX, NJ, a Moneygram for {$2500.00} ( including fees ) was paid for to be sent to a relative overseas. The relative never received the money sent ( which is also 100 % verifiable using Moneygrams tracking system ). Representatives at both XXXX and Moneygram were spoken with and an appropriate police report was filed ( also attached ), yet there has been no resolution to date. Emails were also sent to both XXXX and Moneygram and Moneygram responded on XX/XX/21 that our email was received on their end, that they opened a " XXXX - Report Fraud '' case with an assigned case # XXXX and would be in touch shortly. Moneygram never responded after that generic email they sent to us so another follow-up email was sent to Moneygram and XXXX on XX/XX/21. Neither responded to that follow-up email so XXXX customer service was called on XX/XX/21. On XX/XX/21, XXXX assigned a new case number ( # XXXX ) and suggested to file a claim with the CFPB so that is what we are doing now. I look forward to hearing from you at your convenience. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-05 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: LA

Complaint narrative:
I am filing a complaint again as my right under FCRA and fair credit and billing act and HIPPA privacy have been violated. I have for several months trying to get Equifax to resolve these collections below and the end of the complaint. I am filing a complaint again as there have not been any answers back from Equifax as I am continuing to receive calls from collections that I have no knowledge of this collection and have requested by certified letter to Equifax to provide full validation under my FCRA right and also requested documentation on the company right to collect under the fair credit and billing act. Equilfax has violated my HIPPA privacy as info about my medical conditions by allowing XXXX XXXX XXXX to make inquiry. I have not received answers to both inquiries. By law the bureaus must remove if they can not provide answers in timely manner. Please remove from my credit report. I have no knowledge of this collection and have requested by certified letter to all 3 bureaus to provide full validation under my FCRA right and also requested documentation on the company right to collect under the fair credit and billing act. I have not received answers to both inquiries. By law the bureaus must remove if they can not provide answers in timely manner. Please remove from my credit report. 

disputed Collections XXXX XXXX  Opened XXXX {$100.00} XXXX XXXX XXXX XXXX Opened XXXX {$140.00} XXXX XXXX XXXX Opened XXXX {$570.00} XXXX XXXX XXXX Opened XXXX {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: LA

Complaint narrative:
I am filing a complaint again as my right under FCRA and fair credit and billing act and HIPPA privacy have been violated. I have for several months trying to get TransUnion to resolve these collections below and the end of the complaint. I am filing a complaint again as there have not been any answers back from TransUnion as I am continuing to receive calls from collections that I have no knowledge of this collection and have requested by certified letter to TransUnion to provide full validation under my FCRA right and also requested documentation on the company right to collect under the fair credit and billing act. TransUnion has violated my HIPPA privacy as info about my medical conditions by allowing XXXX XXXX XXXX to make inquiry. I have not received answers to both inquiries. By law the bureaus must remove if they can not provide answers in timely manner. Please remove from my credit report. I have no knowledge of this collection and have requested by certified letter to TransUnion to provide full validation under my FCRA right and also requested documentation on the company right to collect under the fair credit and billing act. I have not received answers to both inquiries. By law the bureaus must remove if they can not provide answers in timely manner. Please remove from my credit report. 

Collections XXXXXXXX XXXX XXXXXXXX Opened XXXX {$140.00} XXXX XXXX XXXX Opened XXXX {$570.00}

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 2022-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Business and Consumer Solutions.
State: FL

Complaint narrative:
On XX/XX/XXXX, me and my late husband bought a house in XXXX, Florida. When we moved, the house came with all the kitchen appliances, that we chose at the time we close the contract. In XX/XX/XXXX, I received a communication from XXXX XXXX XXXX that I owed {$3900.00} from a loan to buy appliances at XXXX XXXX XXXX around the year XXXX. I never gave my information neither to XXXX XXXX XXXXXXXX nor any other corporation for a loan to buy appliances. The price of the house that we bought included all the appliances and as of this date the house has the same appliances as the day we moved. The House was payed in full in XX/XX/XXXX, and I did not incurred in any other debt whatsoever. At this time FBCS , Inc is the company that is contacting me with the purpose of collecting the fraudulent debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I joined a company called XXXX XXXX to be an independent consultant and sell their jewelry. I joined in XXXX of 2021 and purchased many many pieces with the clarification from the company that all pieces were Nickel and Lead free. Within the past couple of months, I have been made aware that the pieces do contain both nickel and lead and also have other toxic metals in them. I have lab results to verify this information from a credited lab. I have reached out to my bank to dispute all funds that were used to purchase these pieces since I can no longer sell this toxic stuff. I have tons and tons of pieces in my house that I have emailed XXXX  to ask for a refund and I would send the items back to them, but they are refusing. I also have documents where on XX/XX/XXXX their website stated it was Lead/Nickel free then on XX/XX/XXXX they removed that part of the statement on their website. I am just trying to get reimbursed for this XXXX that I have in my possession that I can no longer sell to people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-05 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: VA

Complaint narrative:
I scheduled my XX/XX/XXXX payment on XXXX XXXX 's App portal to be deducted from my bank account on XX/XX/XXXX for {$660.00}. My bank notified my husband on XX/XX/XXXX stating that XXXX XXXX tried to debit the account for the late fees plus payment due on the account for the month for {$3000.00} on XX/XX/XXXX 4 times in XXXX day which caused {$120.00} in bank fees for insuffcient funds. Mine and my husbands account on XX/XX/XXXX had a total of XXXX to cover the car payment that we've consistently paid {$660.00} on or about the XXXX of each month for the car loan payment. The bank stated that XXXX XXXX resubmitted the same payment for {$3000.00} on XX/XX/XXXX, and XXXX XXXX time each. We sustained a total of {$60.00} for insufficient funds fees. We processed an online portal to XXXX XXXX requesting to cease processing any amounts in excess of the {$660.00}. The response was to contact my bank to place a stop payment. After {$550.00} in nsf fees we placed another online payment and made a complaint with ally stating they caused my payment to fail and be late. On XX/XX/XXXX XXXX XXXX reported a 30 day lateness on my credit file on Experian. I want my credit report corrected and the 30 day late payment removed. This will hinder me from closing on my new home due to their computer breach and error. 
On XX/XX/XXXX my husband spoke to XXXX XXXX Reps, XXXX, who submitted a ticket to remove late fees and XXXX, in customer service, who refused to submit a ticket to correct 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 explanation
Consumer complaint received 2022-01-05 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX XXXX. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

XXXX. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. XXXX Account Number : XXXX This is not mine. 

XXXX  XXXX. XXXX Account Number : XXXX This is not mine. 

XXXX  XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. XXXX Account Number : XXXX This is not mine.

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 2022-01-05 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:
On XX/XX/2022, I contacted Capital One Bank to report that our personal joint checking account might have been compromised by a scam hack that I fell victim to earlier that afternoon. My youngest son brought to my attention that when he attempted to use our laptop, that a malware alert popped up on the screen. He showed me the laptop and I saw this security breach alert showing on the screen and there was a phone number to call for XXXX Security System. Knowing that I had protection on my laptop, I called this number and a supposed security team analyst informed me that my IP address to my laptop had been compromised and fraudulent activity was occurring on my accounts. This person presented herself as an analyst, she provided a name, badge ID #, and requested to remote into my phone to track this alleged hacker who compromised my IP address on my computer. Once I took the bait for this rouse, I was asked to notify my bank that fraudulent activity could be happening on my account since this hacker had access to my account information. This alleged XXXX security member stated that a pre-authorized transaction had been made on my account for XXXX at an online gambling website. At one point, this security analyst person asked to make an outbound call to my bank so that I could inform of the fraud and attempt to block the transaction. I again under the guise of this rouse allowed this person to make an outbound call to my bank in which I was transferred to another individual impersonating to be a fraud team member of Capital One Bank. This second individual convinced me that she was aware of the fraud attempts on my account and that I needed to secure my account by creating a duplicate account. She then advised me to purchase gift cards that would be used to secure the funds that were available in my bank account. So at this point, I became very uneasy. Still, under the click and bait scam, I purchased these gift cards and once the alleged Capital One Bank impersonator asked me to provide the gift card number to her ; I immediately knew that I was being scammed. I contacted my bank directly and initiated a fraud claim and disputed the charge. On XX/XX/2022, I contacted Capital One Bank to inform them that I opened a new account and that I wanted all remaining funds from the account that was compromised transferred to the new account. It was then that I was directed to speak with a customer support specialist, her name was XXXX, who proceeded to tell me that the dispute would not be honored because I participated in a scam. She told me that my account no longer met the criteria of continuing a banking relationship with Capital One. I was floored because I felt scammed all over again. This bank representative essentially blamed me for taking part in a scam and proceeded to implicate me as a willing participant.

Company response to consumer: Closed with explanation