vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Was scammed into wire transferring money to a friend who was part of a investment scam. He had a XXXX XXXX and then was walked through an investment scam and sent money to my supposed investment account and was walked through trading on a platform that I came to find out was not real. 

I have contacted wells fargo and have tried XXXX support and can not get anywhere. 

I reported the fraud site to the XXXX  and still have not heard anything. 

It is a large amount of money XXXX and it seems nobody can help. 


I have transfers and accounts that money went to. 

XX/XX/2022 from Wells Fargo Checking Reference Number # XXXX Account # XXXX transfer to {$1000.00} XX/XX/2022 from Wells Fargo Checking Reference Number # XXXX Account # XXXX transfer to {$3500.00} XX/XX/2022 from Wells Fargo Checking Reference Number # XXXX Account # XXXX transfer to {$3500.00} XX/XX/2022 from Wells Fargo Savings XXXX Number Wire Transfer Srf # XXXX Trn # XXXX Account # {$50000.00} XX/XX/2022 from Wells Fargo Savings XXXX Number Wire Transfer Srf # XXXX Trn # XXXX Rfb # XXXX to Account # {$25000.00} XX/XX/2022 from Wells Fargo Savings XXXX Number XXXX Transfer Account # XXXX XX/XX/2022 From XXXX XXXX XXXX Account # XXXX Wire XXXX to Wells Fargo Account # XXXX XX/XX/2022 From XXXX XXXX  XXXX Account # XXXX Wire XXXX to Wells Fargo Account # {$46000.00} Total of {$170000.00} Money was a Loan and was supposed to be used for a project that was awarded. 
I was told by him that his account was compromised and that he had been hacked and lost all the funds. 
I questioned if he had called Wells Fargo fraud department. He said he had and that is all the info I got. 
Why didnt Wells Fargo stop the Fraud and why did they let that amount of money get transferred to his account and why did they let it move to some other account other then a legit Company that supplied building materials. 
This was a loan and was supposed to be returned in 6 months. 









Please help!

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 2023-01-28 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: GA

Complaint narrative:
The living breathing woman does not have a wet ink contract with EXPERIAN, XXXX, or XXXX to publish all of that information that is not mine but another fictitious entity and against the law 18USC1342. The manual of styles says that CORPORATIONS have all capital letters in their names. Living breathing people do not spell their names in all capital letters.These CORPORATIONS have been destroying people for generation after generation with abuse, lies, and deceit often told from Bankers from other Countries who come over here and try to tell people what to do and how to do it.Lend us our money with a large price tag on it they do not have money because the only money that is available is script from yet another CORPORATION, called the FEDERAL RESERVE This is information is not for the living breathing woman it is for a CORPORATION that was created at birth.This credit reporting agency is well aware of this scheme and are working with Banks, Lawyers to deceive the people they even call people Descedent which is a DEAD person, we are classified as DEAD persons. This government is Bankrupt so how in the world can they lend money to people when they are bankrupt. Our Signature and we the people are the Real Estate and are worth Billions of dollars. XXXX XXXX and XXXX XXXX has talked about what is going on right now. All of these credit reports are fraudulent and every one of the CREDIT REPORTING AGENCIEs know it. Lets tell the truth and keep every last one of the people up on living in the truth. These CORPORATIONS HAVE BEEN LISTING ME as a CORPORATION which is false information and it is a violation 15USC 1692a-p among other deceptive practices that the BANKERS, ATTORNEYS use taxing the American people for no reason at all. 
We the people will prevail, as soon as the kool aid wears off. The CREDIT REPORTING AGENCIES have communicated all of this negative information to a third party and have gotten away with this for years and years this should not be the case a fine should be imposed against 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 2023-01-28 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: MO

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 : # XXXXXXXX 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 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 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 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 2023-01-28 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: MO

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. 

XXXXXXXX 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 XXXX XXXXXXXX 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 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 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 2023-01-28 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Around XX/XX/2022, I found charges on my checking account statement for XXXX where I had a merchant credit card, issued and handled by Comenity Bank. The bank was never authorized to withdraw directly from my checking account. XXXX immediately refunded the money for these fraudulent charges. However, I continue to be contacted and harassed by Comenity bank, basically threatening to ruin my credit rating and insinuating I don't have they funds to pay. It is just a crazy nightmare. Just this morning I was sent an " URGENT '' message to call them. When I did I reached someone who told me I had to make a minimum payment. I told her I was never given the itemization for the purchases they said I made and owed them money for. When she said I would have to speak to customer service about this, I was put on hold and then disconnected. This has happened before when I tried to contact them. They refuse to tell me what they say I purchased and why they think I owe them this money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-28 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: SC

Complaint narrative:
Disputing information on my credit reports with XXXX, TransUnion and XXXX i have sent in an FTC report, police report and a letter. I have contacted all creditors in this matter and these fraudently items need to be deleted asap because i was disputing these fraudently items on my credit reports for a year now. 

XXXX XXXX date open XX/XX/XXXX {$850.00} sent police report and ftc report and contacted creditor. 

XXXX XXXX date open XX/XX/XXXX {$700.00} XXXX XXXX date open XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX open XX/XX/XXXX {$30000.00} XXXX XXXX open XX/XX/XXXXXXXX XXXX XXXXXXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX open on XX/XX/XXXX for XXXX XXXXXXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXXXXXX open XX/XX/XXXX {$1300.00} sent in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX open XX/XX/XXXXXXXX XXXX XXXXXXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX XXXX open on XX/XX/XXXX for XXXX XXXXXXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXXXXXX XXXX open on XX/XX/XXXX for XXXX XXXXXXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX open on XX/XX/XXXX for XXXX XXXXXXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX open on XX/XX/XXXX for {$640.00} sent in police report and ftc report to credit bureau and contacted creditor.

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 2023-01-28 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: SC

Complaint narrative:
Disputing information on my credit reports with Experian, XXXX and XXXX i have sent in an FTC report, police report and a letter. I have contacted all creditors in this matter and these fraudently items need to be deleted asap because i was disputing these fraudently items on my credit reports for a year now. 

XXXX XXXX date open XX/XX/XXXX {$850.00} sent police report and ftc report and contacted creditor. 

XXXX XXXX date open XX/XX/XXXX {$700.00} XXXX XXXX date open XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX open XX/XX/XXXX {$30000.00} XXXX XXXX open XX/XX/XXXX XXXX XXXXXXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX open on XX/XX/XXXX for XXXX XXXXXXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXXXXXX open XX/XX/XXXX {$1300.00} sent in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX open XX/XX/XXXXXXXX XXXX XXXXXXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX XXXX open on XX/XX/XXXX for XXXX XXXXXXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXXXXXX XXXX open on XX/XX/XXXX for XXXX XXXXXXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX open on XX/XX/XXXX for XXXX XXXXXXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX open on XX/XX/XXXX for {$640.00} sent in police report and ftc report to credit bureau and contacted creditor.

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 2023-01-28 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: AZ

Complaint narrative:
On XX/XX/XXXX I made a payment with my debit credit card to Capital One for amount of {$940.00} per my statement for my son, XXXX XXXX car payment. A few days later I did not recognize the payment on my online XXXX account and called the bank and stopped payment on it, so it came back into my account on XX/XX/XXXX. I then remembered what the payment was for and called the bank again to ask if I should make the payment again or what they could do. They said they would take care of it and that there was nothing more that I needed to do at this time. So, it came back out of my account per my statement on XX/XX/XXXX. ( So, at this point it has gone out, come back in, and then out again per my statement ). Capital One has been calling us looking for their money and when they call, we contact the XXXXXXXX XXXX and I keep getting told that they will receive their monies. It went out on XX/XX/XXXX and it takes a bit to receive the monies since it was stopped and has not again been sent back out. Many many months of this back and forth and being transferred to numerous peeps and 2 trips into the bank, have been told there is nothing XXXX can do at this time. Capital One has received their monies and nothing they can do. What I do not understand, is how or why? It is out of my account and I am out of {$940.00}. I have been on the phone with Capital One again numerous times and for many hours as well, and they say once the monies has been denied like it is and was, proof will be attached, that they did not receive the monies, because there is no authorization code and they have not received it either. So, my monies is in lalala land and I am out {$940.00} XXXX. They show that they received the XXXX payment of {$940.00} and then the returned {$940.00}, but nothing on the actual third payment of {$940.00}, which I was told by XXXX that they received on XX/XX/XXXX, which they have not received it. All I want and need to know, is where my monies is and why it is not back in my account where it belongs or why Capital One has not received it. ( Have paid the car off now in total as of XX/XX/XXXX, which included the {$940.00} payment in full again, since they did not receive the payment in XXXX and was charged all the late fees as well. I have done everything that everyone has asked of me and yet neither one ( XXXX nor Capital One ) will speak to one another to figure this out or talk the verbiage that everyone is using to get this issue resolved. I am tired of fighting over this and need a resolution as soon as possible please and thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: AZ

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: TX

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2023-01-28 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: MI

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2023-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Hello, I contacted Venmo on XX/XX/22 to let them know they had someone's Venmo XXXX XXXXXXXX XXXX XXXX XXXX for me to access and use attached to my Venmo account. I accessed the app to send money to a friend and noticed this and called immediately to notify them of this at XXXX and was told that I reached the credit card company and was told I needed to contact Venmo directly at XXXX. I then contacted that number to notify them. I was told that a case had been filed and escalated to have the issue corrected. I was contacted by Venmo via email asking for additional information and account verification. I sent them a selfie of myself holding my XXXX XXXX XXXX, a picture of the front and back of my drivers license and emailed it back to them. I was told it was received and that they had corrected the issue. It has been over a month with numerous attempts to have this issue corrected and this persons XXXX XXXX XXXX XXXX still attached to my Venmo account in which I could activate and use at any time. This is completely unacceptable. I should not have to go through this to get someone that has nothing to do with me off my account and the poor person that has the credit card. What if I was a criminal and decided to use this card or XXXX XXXX I would be XXXX if my information was out there like that provided by a company that I entrusted to keep my information safe. Please can you help in any way or guide me to someone that can? Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
My credit is to low due to some unpaid accounts when I have not opened any credit cards at all and I noticed this because I've been trying to apply for credit cards for first time and all have not approved me at all due to those accounts opened with my credit and personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, My name is XXXX XXXX. I've been a victim of fraud in XX/XX/2021. 
I have been a loyal Bank of America customer for over 20 years. 

My checking account number is : XXXX XXXX Routing # XXXX Please refer to the attached letter with details of the fraud I have been a victim of. 

Sincerely, 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