vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I got scammed by an entity that pretending to be a legit employer. They offered me a job, sent me a check, and asked me to deposit the check and pay vendors through XXXX  and wire transfer to setup home office. 

On XX/XX/2022, I deposited a check of XXXX dollar at the bank thinking it was a valid check. Wells Fargo verified the check, cashed it, and check processed and money became available in my account. Employer asked me to transfer XXXX dollar through XXXX. 

Then, on XX/XX/2022, as all XXXX dollar processed and became available, employer asked me to do multiple XXXX and wire transfers. So i did XXXX dollar through XXXX XXXX transactions to XXXX XXXX and XXXX dollar wire transfer to XXXX XXXX XXXX, thinking they are valid vendors. 

On XX/XX/2022, I received notification from Wells Fargo that they returned the check. At that time, it hit me and I realized i've been scammed. I straight away called the bank and let them know, and even went to the branch. Branch asked me to call, when I called it keeps transferring me to here and there and it's very hard to talk to anyone. 

But my disappointment is why Wells Fargo verified, processed, and cashed a false check. Now I lost XXXX dollar of my savings for my XXXX son. I'm a single mother and this is really difficult for me. 

Reference number of cases reported to Wells Fargo - 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 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is inaccurate and should not be on my report A company has gotten my medical report, I did not give permission for them to have it nor did I sign for them to have it. This is a violation of my 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 non-monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is inaccurate and should not be on my report A company has gotten my medical report, I did not give permission for them to have it nor did I sign for them to have it. This is a violation of my 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 non-monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prime Recovery LLC
State: OH

Complaint narrative:
XX/XX/2022, I received a call from a company out of New York by the name of XXXX XXXX Yes, I had explained to the representative that I have no loan. I did ask for information about the loan but he refused to provide it. I then asked to get placed on a cease and desist. 
XX/XX/2022, Same company called again I asked why aren't they honoring my C & D. He hung up. 
XX/XX/2022 next day, same company -female called and she hung up real quick as asking about the loan. 
XX/XX/2022, Prime Recovery LLC called about XXXX XXXX Yes, explained to the representative, never took out this loan, never received documentation about this loan. Asked her if the SOL has expired, she couldn't answer. Claims she was closing the file and returning to the client. Requested C & D XX/XX/2022, received a text message from Prime Recovery LLC detailing loan is owed to XXXX XXXX XXXX XXXX, after a C & D has been requested. 
XX/XX/2022, called Prime Recovery LLC was told wait 72 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Bank, acct XXXX XXXX XXXXXXXX, acct- XXXX XXXX XXXX, acct XXXX XXXX, acct- 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 an 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 explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
During XXXX and XXXX, I was traveling in the United States and XXXX on various Musical Tours. A few times within that period I tried to make my payments via XXXX  XXXX XXXX app and their website however I had some difficulty with the payment processing. As a result, my payment never went through and I received a late payment flag on my credit report. 

I tried explaining this with various XXXX XXXX representatives and they mentioned there was nothing that could be done which had me contacting CFPB. 

I have a great payment history with XXXX XXXX and have had my credit limit on my cards increased by them without any inquiry. 

This was an unfortunate circumstance beyond my control but my record speaks for itself as I am in very good standing with them.

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 2022-03-11 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Bank, acct XXXX XXXX  XXXX, acct- XXXX XXXX XXXX, acct XXXX XXXX, acct- 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 an 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 2022-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: FL

Complaint narrative:
New Complaint from Complaint and Response Below I was never informed of a service balance due from XXXX. The request was for returning equipment. What verification is there for this service balance? 
This whole time I have not received any bills from XXXX. This is outrageous. I would like proof of this service balance. When requested to close the account all they said was to return the equipment and the balance would clear. 

My Complaint Date XX/XX/XXXX COMPLAINT ID XXXX Vendor informed us account would be cleared after returning the equipment which was completed on XX/XX/XXXX. Account still shows open and when we contact the vendor they don't find our account since it was closed. They lost our paper work and do not resolve the issue. This is impacting my credit and my ability to get a mortgage for my home and nobody is helping. 

Company 's Response Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX account balance is now {$0.00} because the XXXX  belonging to XXXX  was returned to them however, there is a " service '' balance due of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I filed a recent complaint against Equifax, but it is not in the CFPB system. Why not? 
The Complaint ID # was XXXX. Now I will repeat my original complaint. 
I have attached eight ( 8 ) letters that I have sent to Equifax since XX/XX/XXXX. 
I have repeatedly disputed two accounts : XXXX XXXX Bank XXXX and XXXX XXXXard Services. 
Equifax has repeatedly failed to comply with the FCRA in numerous ways. 
Equifax failed to inform me of the results of their investigation. 
Equifax did not perform its own independent investigation beyond what some creditor may claim. 
Equifax failed to mark either account as disputed by the consumer, which does damage to my credit scores because if Equifax had complied with the FCRA and marked my accounts as disputed, some credit scoring models do not negatively assess disputed accounts and my scores would not be lowered. 
Equifax ignored my questions in my XX/XX/XXXX letter. 
Equifax made false claims in my XX/XX/XXXX letter ; I did not indicate fraudulent items, I requested a re-investigation, which Equifax failed to conduct. 

These two ( 2 ) accounts must be deleted for inaccuracy and FCRA violations for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute a past due payment on my credit report. XXXX has been reporting late payments on tradeline XXXX account number XXXX inaccurately on my consumer report. I have reached out to XXXX for a remedy. The company emailed me and said they could not deliver it. My character is being attacked, and thats not how I should betrayed. I would like an original copy of contracts, tax id ( 1099 ), and signed statements validating everything. 

It is almost impossible to get ahold of anybody on the phone from Experian, XXXX, or XXXX even if even when your a paying customer. I want my money back. I am dissatisfied by your service. They are basically using my information without my permission. 

These companies promote the protection of peoples credit and claim to prevent identity theft. These companies basically steal your identity, and use your information is being used without our permission against you. Its hindering my ability to do may things such as much as qualify for my home loan for my family. I pray that Experian, XXXX and XXXX remove the late payment, in full or completely block the information on my report per FRCA laws. I have paid the accounts in full. Please fix the technical errors in your system. 

This should be criminal. These companies are conspiring and using trust, and contract to stop the common man from doing trade, and obtaining basic needs. Experian, XXXX and XXXX, please fix your reporting to remove late payment and list that I have paid the account in full. I would go further and recommend a complete deletion from my report. Thanks. I am also seeking arbitration to get a remedy for this issue.

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 2022-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Case XXXX XX/XX/XXXX, {$1500.00} was paid via electricians XXXX account to re-wire the electricity at my house. The deposit was {$1500.00} and he charged {$90.00} for tax. Five or so days later he didnt have the money in his account so I called Capital One and was told there was a hold on the payment and I asked for it to be released. By XX/XX/XXXX, the electrician still had not received the money so he asked me to cancel the payment and pay him a different way. So I paid him {$800.00} via a cashiers check on XX/XX/XXXX from my XXXX XXXX XXXX XXXX account and XX/XX/XXXX for XXXX with the Capital One card to satisfy the deposit for electrical services. 
A week or so later, XXXX XXXX said that he never received the {$700.00} payment because he had a closed bank account linked to his XXXX account and could not get that money. So I called Capital One again asking for an adjustment so I could pay him a different way. 
On XX/XX/XXXX, I submitted a XXXX payment for {$720.00} ( includes process fees ) so that he could get the {$700.00} from my credit union account. 
XXXX XXXX has been paid in full for his services. XX/XX/XXXX and XX/XX/XXXX, I paid him {$750.00} each time. The total cost for his services was {$3000.00} and he has been paid in full. 

However, Capital One claims the money was sent to XXXX XXXX for {$1500.00} and he maintains he never received it. I have been disputing the charges with Capital One, the Credit Bureaus, and tried to with my bank but nothing has happened. Now I owe {$3000.00} in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX KS XXXX XX/XX/2022 Re : Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.

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 2022-03-11 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: LA

Complaint narrative:
I spoke with the credit bureaus about these unauthorized inquiries to no avail. I am told I have to speak with a special department but they said they can not transfer to the department. I have to wait for them to call me back in 4 days. This is ridiculous! Someone is using my information and applying for credit and I have to wait?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I spoke with the credit bureaus about these unauthorized inquiries to no avail. I am told I have to speak with a special department but they said they can not transfer to the department. I have to wait for them to call me back in 4 days. This is ridiculous! Someone is using my information and applying for credit and I have to wait?

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 2022-03-11 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: PA

Complaint narrative:
I understand that pursuant to 15 usc 1681 ( a ) ( 4 ) the credit reporting agencies did not exercise there grave responsibility with fairness. They was completely unfair, and impartial. They even in fringed upon my right to privacy. Proof of this is they furnished multiple transactions which they can't even prove took place, and never even consulted with me through email, phone or mail to get proof these inaccurate transactions took place. Then what make matters worse they solicited and advertised these transaction for anyone to see. This is irresponsible, unfair impartial and infringement upon my right to privacy. They broke the law...

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 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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:
Ive filed a dispute in regards to XXXX XXXX XXXX Account Number : XXXX It has been well over thirty days and I havent received any investigation results.

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 2022-03-11 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: DISCOVER BANK
State: MS

Complaint narrative:
Someone is using my information for apartment leases and try to open a credit and also trying to get loans

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Someone is using my information for apartment leases and try to open a credit and also trying to get loans

Company response to consumer: Closed with non-monetary relief