vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Called CapitalOne today and spoke with a Rep name XXXX ID # XXXX and asked for any proof that this is my account. Stated that I need to fill out another fraud form ( which I have done on three different times over the 4years been dealing with these issues. In their last letter which I have attached stated that they investigated, ( The contact information used to open the account ( listed below ), has been linked to you by public records : XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX ) Which I never lived there and never had this phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy This Bankruptcy claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy This Bankruptcy claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2023-05-10 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: Absolute Resolutions Corp.
State: CA

Complaint narrative:
I have a fraudulent account on my credit report, which I reported to ABSOLUTE RESOLUTIONS, yet ABSOLUTE RESOLUTIONS is not removing this fraudulent account. ABSOLUTE RESOLUTIONS has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet ABSOLUTE RESOLUTIONS has refused to do this. The following is the fraudulent account : ABSOLUTE RESOLUTIONS/ XXXX which was opened at an address where I have never lived at and it has nothing to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: IL

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent.

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 2023-05-10 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: IL

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent.

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 2023-05-10 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: NJ

Complaint narrative:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them 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 2023-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I lived in the home at XXXX XXXX XXXX, XXXX, OH XXXX. I was given an additional 30 days to be out of the garage of my old home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Blockchain.com, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I made several of my usual deposits to Blockchain.com. I was using these deposits to convert USD to Crypto on a regular basis. I purchased XXXX, XXXX, and XXXX. I have used this service at this point for several years with No issues from Me or the Company. Now I want to stress that I have never had a chargeback or funds issue on my account. I would consider myself a model customer. I purchased {$500.00} worth of crypto. As I was sending the crypto elsewhere in 5 transactions, ( my private wallet, Exchanges, Businesses etc ) my transactions appeared to be delayed at first. The Blockchain.com mobile app showed the Transactions as " Pending ''. I got onto chat with Support after an hour or so and was told the issue would be sent to another dept. and they would contact me through email. Well Hours went by and I kept contacting support and got the same story again and again. Then hours turned into days, so I started checking XXXX on them and found out around this same time many people were having the same issues where there money was locked up or " pending '' with non explanation. I saw people on XXXX XXXX that had {$500000.00} or XXXX XXXX  ( {$180000.00} at the time ) tied up the same way. I kept contacting support and got the same BS answers each time. In XXXX of XXXX the Mobile App updated and now it shows " Manual Review '' on the transactions. So for 3 months it was complete XXXX  saying Pending. Now for 5 more months I have contacted them over XXXX times and usually saved the transcripts. I saw other people got the same story of " moving issue to another dept ''. 8 months later I have NEVER been contacted once to be told why they are holding my money. I had no idea what to do until recently I did a search of what we can do specifically when Blockchain.com steals our money... I found a blog that showed me ConsumerFinance.gov. They send me promo emails about " Staking '' my funds there and they have stolen my funds outright. I have a live link where you can View the transactions and the subsequent value real time. The crypto is worth about {$750.00} right now. I created the " actual '' transactions and built a tool so others who have been victimized by them can share the same. People have lost there Homes over this. 
Here is my portfolio : XXXX XXXX XXXX XXXX XXXXXXXX When I kept pushing support they mentioned verifying my account. I said I dont want it verified. i already verified ( XXXX  ) years before. I wanted to close my account and get my money. I was told I couldnt close it until they were done. They STOLE my funds and have been doing it to several people apparently. 

They took my whole paycheck. I am currently taking care of XXXX XXXX  parent and a brother with XXXX XXXX. I was only trying to make small investments to improve their quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: FL

Complaint narrative:
I am shocked and upset about the erroneous things I have seen in my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. Can you please clear this up as quickly 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 explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westcreek Financial
State: IA

Complaint narrative:
Last fall, I moved to a new house and didn't have my own mattress. I was looking for a cheap mattress and I found out that XXXXXXXX XXXX XXXXXXXX in XXXX XXXX, Iowa sell a mattress at low prices. I saw the Adversite and it said they sell queen mattresses starting at {$150.00}. I thought that was cheap. On XX/XX/XXXX, I decided to see the mattress in the store. They didn't have a mattress with the brand that I wanted which is called XXXX. I was kind of pressured to buy a queen mattress there so I bought one that cost me {$900.00} and I decided to pay through installment loan until XX/XX/2023. That date is the early purchase option deadline. I had to pay off {$900.00} by XX/XX/2023, or I'll have to pay double. 

I tried to pay it off before XX/XX/2023. I paid the full amount left off before the deadline. But somehow, this situation messed it up. Between around that time, I paid it off. I got the email that someone tried to use my card at XXXX which isn't in my town so I knew it wasn't me. So I called the bank about it and they suggested I get a new card number. So I did. Somehow, once they canceled my card and ordered a new card. It automatically canceled the payment I paid for the mattress loan. 

I didn't think about it until later. I checked the loan they said I still owe them money and they continue to take my money off from my balance. I was very stressed at that time because I didn't have enough money to keep paying for it and I couldn't ask anyone to help me pay for it. Because I also pay for my own car monthly. My car monthly was around {$500.00} a month. 
So I called the loan company which is Koafafi. They were pretty rude and I was upset, I tried my best to explain my situation. They said they couldn't do anything about it. They said it was my fault that it was canceled and I didn't change my card information. They told me I didn't pay on time, but I did. They said I still need to pay them the rest amount. I told them I couldn't afford that time and I was struggling mentally and financially. 

A few months ago and this month, I called the XXXXXXXX XXXX XXXXXXXX customer service about it and they said they need my information like Full name, phone number, city and state, and email address and they will call me back soon. I tried and called them twice and they never call me back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Bank as with the victims of the XX/XX/XXXX CFPB Consent Order, engaged in illegal activity that prevented me from XXXX protection! Wells mislead me that at first before the XX/XX/XXXX, foreclosure that they were the owner of my mortgage  debt up until a week or so before the foreclosure and they changed their story that XXXX XXXX was the owner of my mortgage debt, which neither XXXX or Wells paid a single red cent for the debt, as would not be a debtor of the XXXX XXXX XXXX  mortgage loan I had. Wells for the last XXXX  years has sent documentation were none of it is a receipt that they paid or XXXX paid any monies for the alleged debt they claim I owed them. What Wells did was to hold me hostage to the hope of the processing of the XXXX XXXX XXXX XXXX which was required under the XXXX  agreement that Wells signed and received {$25.00} XXXX bailout from. I requested proof of purchase from Wells would is in possession of my mortgage file that contains all the documents from the loan, and a XXXX  Assignment of Deed is not proof of purchase! Wells does not present the receipt, wire transfer or cancel check because one does not exist. Wells can not act for XXXX XXXX because that XXXX  Government agency can not by law buy or sell a mortgage loan, and did not purchase my loan! As Wells did with the other XXXX victims starting on XX/XX/XXXX, was to prevent the XXXX  to steal from the XXXX XXXX helping XXXX not hold up their end of the insurance obligations to their investors and illegally foreclosed on the victims to funnel those illegal funds to XXXX XXXX! What Wells wants now is to be made to pay fines for the thousands of XXXX XXXX XXXX  heroes that they stolen our homes as Wells refused to modify any XXXX XXXX XXXX  borrowers in XXXX according to the XXXX XXXX XXXX. Wells needs to understand that as with the XX/XX/XXXX, there is not statute of limitation on stolen monies from the XXXX XXXX. Wells was granted he power to mortgage service my loan by XXXX XXXX XXXX ( XXXX ), however, that power ended when the FDIC declared XXXX a " failed bank ''! As XXXX could not act after XX/XX/XXXX because they stop existing, Wells can not act for a entity that does not exist!

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 2023-05-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I did not receive a validation letter or any other communication from the collection company MIDLAND CREDIT MANAGEMENT and yet I just found out on my credit report that I have a major derogatory mark as of XX/XX/2023 because MIDLAND CREDIT MANAGEMENT reported to credit reporting agencies as a Debt Buyer of {$1000.00} which I had no opportunity to dispute since I was not contacted by the MIDLAND CREDIT MANAGEMENT and now it is marked on my credit report as overdue for two months ( XX/XX/2023 and XX/XX/2023 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: NY

Complaint narrative:
I sent my letter out on XX/XX/XXXX via fax to XXXX XXXX dispute department. I explained to the XXXX XXXX dispute representative that i had COVID-19, lost a family friend and faced a financial hardship loosing my job due to the pandemic layoff and my personal condition. 
I even provided my positive COVID-19 tests to show that the times I had COVID-19 were in alignment with late payments. I also opened a credit card account with them with automatic payments set up so I could continue a more positive relationship with them. 

The XXXX XXXX & credit bureaus representatives told me if I provided a good will letter and supporting documents, then they would notify credit buraus and remove it from my credit report. Unfortunately, this was not fulfilled and XXXX  XXXX continued to report a charge off/collection. Because of this, my credit scores were impacted negatively. Negatively impacting my credit score after an attempted dispute is a violation of my consumer rights.

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 2023-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Brown and Joseph, Ltd
State: ME

Complaint narrative:
Today I received a letter from Brown and Joseph for {$69.00} from XXXX who did an audit of which they asked me to provide. 

The letter threatens legal action, additional fees, etc. all for an adjusted value, no phone calls, and my insurance agent who sold me the plan never knew either. 

The adjustment would be them owing me money for overcharges as I had less than expected revenue and less employees. The charge is fraud and the attempts to collect are against the FTC rules by threatening legal action without even attempting to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy This Bankruptcy claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: IL

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-05-10 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: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX XXXX You are in Direct violation of The Fair Credit Reporting Act Midland Credit Management has violated several of my rights. 

15 U.S.C 1681 section 602 A clearly states that I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Home Loan Center, Inc.
State: TX

Complaint narrative:
Person identifying self as XXXX XXXX with " Lending Tree XXXX XXXX '' attempted to gain access to my online banking information. When I found the supposed email he sent to me regarding a loan request, he stated that he saw I had 'opened ' the email ( no read receipt was sent ). I reviewed the email and found multiple descrepancies with the formatting, spelling and punctuation layouts. The attached PDF file was very obvious that he was attempting to scam me, and I had already given him routing/account information for XXXX and my debit card information. I disconnected the call immediately and proceeded to freeze my credit on all three reporting bureaus and locked my debit card immediately and moved money from my bank account to another account.

Company response to consumer: Closed with explanation