vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
Make a purchase of an XXXX XXXX XXXX XXXX XXXX in Offer Up and pay for it through cash app, today I received the package, inside came an empty box. The person I pay through the cash app is called XXXX XXXX. I have your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: TX

Complaint narrative:
Full name : XXXX XXXX Social Security # XXXX Date of Birth : 1XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XX/XX/XXXX, and XX/XX/XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 



XXXX {$1800.00} XXXX {$2700.00} XXXX XXXX {$330.00} XXXX {$1800.00} XXXX {$1000.00} XXXX {$1300.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX {$1600.00} XXXX {$1200.00} XXXX {$730.00} XXXX {$1100.00} XXXX XXXX XXXX {$1000.00} XXXX {$1400.00}

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 2020-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XX/XX/XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XX/XX/XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent application s may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. The below listed accounts by the Original Creditors , who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 



XXXX {$1800.00} XXXX {$2700.00} XXXX XXXX {$330.00} XXXX {$1800.00} XXXX {$1000.00} XXXX {$1300.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX {$1600.00} XXXX {$1200.00} XXXX {$730.00} XXXX {$1100.00} XXXX XXXX XXXX {$1000.00} XXXX {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Dear Sir or Madam, I have contacted the following companies from 2 different credit bureaus and they can not even find information on items that I have on my credit report. I would liked them removed as soon as possible. 

I have sent the dispute letters to XXXX and XXXX to have them removed and it has been over the standard time of 30 days with no reply. 

The items are ... ... 

1. XXXX XXXX XXXX - Amount of {$2600.00} 2. XXXX XXXX XXXX - Amount of {$1500.00} 3. XXXX XXXX XXXX - Amount of {$610.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: Aargon Agency, Inc.
State: CA

Complaint narrative:
Issue : XXXX Reporting There are 5 collection accounts on my report that are inaccurate. I have never done business or entered into written agreements with any of the aforementioned businesses. It appears to be collection agencies from medical bills and a cash advance business. 

I have submitted numerous disputes and asked for copies of the original written agreements to verify the accuracy of the accounts, and I have not received 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 2020-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On XX/XX/2020 Wells Fargo initiated a wire transfer ( # : XXXX ) through my business bank account ( for XXXX XXXX XXXX XXXX ) in the sum of {$6800.00} absent my authorization to an individual unknown to me, named XXXX XXXX. This money was sent through wire transfer from my XXXX bank account to XXXX XXXX at his Bank, Routing Number XXXX, account number XXXX. I was inadequately and improperly notified by Wells Fargo of this specific transaction, and when I went to dispute this wire transfer ( which took place on the eve of XX/XX/2020 ), I was advised by Wells Fargo that the money was already withdrawn from XXXX XXXX XXXX XXXX XXXX XXXX account early in the morning on XX/XX/2020. Thus, Wells Fargo did not take proper precautions to confirm this exact wire transfer, and XXXX XXXX never took precautions to hold this transfer of money in abeyance until such transaction was confirmed. It is my understanding under the federal and state banking guidelines that the appropriate time period should have been at least a 24 hour period for clearance of funds. XXXX XXXX reneged upon enforcing any fraud action against their customer, XXXX XXXX, and Wells Fargo disclosed XXXX XXXX ' address which is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, New Jersey XXXX and told me to go after XXXX XXXX myself, that because of Covid 19, they are not exercising all of their duties and regulations as what was more carefully done in the past. I expect as an American Citizen, that the banking regulations and laws would protect me in such a situation, and that it is their responsibility to do so and not have me personally resort to debt collection with an individual who clearly committed fraud and larceny under the law. XXXX XXXX, c/o XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT 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 2020-11-07 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
Issue : XXXX  Reporting There are 5 collection accounts on my report that are inaccurate. I have never done business or entered into written agreements with any of the aforementioned businesses. It appears to be collection agencies from medical bills and a cash advance business. 

I have submitted numerous disputes and asked for copies of the original written agreements to verify the accuracy of the accounts, and I have not received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: AR

Complaint narrative:
On XX/XX/2020 I purchased a {$50.00} Visa Debit Gift card from the XXXX  store on XXXX XXXX XXXX XXXX XXXX. My intention for this purchase was to order a few items online that I could not find in a few of the stores. 
I went to XXXX XXXX  on the same day I purchased this gift card. Once I got into the store I found the items that I had wanted to purchase online as well as a few additional items. 
My total purchase came to {$100.00} and I told the cashier that I wanted to use my {$50.00} gift card to go toward the bill, this would have left me with a {$55.00} balance to pay from my checking account. 
The cashier instructed me to swipe the gift card which I did several times but the card kept being declined. I explained to the cashier that I had activated the card backing the number listed in the back of it. So the cashier attempted to type the card number into her register and again it declined. 
The line was getting longer and longer with customers. I paid the full balance of {$100.00} from my checking account. 
When I returned to my vehicle I called the number on the card and spoke with a representative and explained to her that I could not use my activated card in XXXX. 
She asked me for my account number on the card, I read it to her and she stated I see it as being activated, but the reason why the card kept declining was because your purchase was over your {$50.00} gift card amount. 
I explained to her that I thought the card would have subtracted the {$50.00} off the amount leaving me {$55.00} to pay in another fashion. 
I further expressed my concern to the representative that the little disclosure that came behind the card did not indicate that a customer could not use the card in this fashion. 
I asked to speak with a supervisor. 
A male supervisor came on the line and I explained to him what had just happened at XXXX and how embarrassing, and mislead I felt about my purchase of visa gift card, and that it would be nice if the company could add to the disclosures that you are not allowed to split payments up on purchases that are over the amount of the gift card in hand. 

I asked him if he could file a complaint on his end for me. The supervisor hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$7900.00}, {$2800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7900.00} -This is not my account.

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$2800.00} -This is not my account.

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 2020-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I disputed this account with all three CRAs multiple times but all of them just came back with no changes and saying resolved.Capital one bank is reporting a balance/past due that is also reported by XXXX XXXX that bought the the account. Only the owner of the account can report the balance/past due. per the law if a creditor sells the account they must report a XXXX balance as the law requires accurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$7900.00}, {$2800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7900.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.

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 2020-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$7900.00}, {$2800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7900.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$2800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OR

Complaint narrative:
Chime bank claims department did not investigate a claim I filed accurate. On XX/XX/2020 there was a {$190.00} unauthorized transaction, I filed a claim disputing this on XXXX XXXX. I I recieved email saying it was denied but the issue is they didn't Investigate the right day or the right reason for the investigation. I then sent a rebuttal and letter explaining they where wrong the the date and the reason I was disputing it. They investigated XXXX XXXX and did it as charged twice but it was XX/XX/2020 and it was unauthorized. I then got email just now saying they are sticking with the denial. Funny part it is the new email has the reason they where investigated changed on it. They didn't look into the right date let alone the right reason. I am now stuck with losing out on my weeks unemployment benefits got the week due to my bank being negative {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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:
Equifax did not respond within 45 days This puts them in a direct violation of the FCRA : Failing to respond to your written disputes within 30 days ( a 15 day extension was granted because of Corona ) FCRA Section 611 Part ( A ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: MO

Complaint narrative:
I sent Transunion, XXXX  and XXXX  letters to validate the accuracy of four bankruptcies showing up on my credit report. They sent back responses saying that XXXX validated them. I then asked XXXX to verify this information and they responded that they do not report any bankruptcies with me. I also received letters from the two courts stating they did not provide any information to the third party or credit bureaus. I then sent this response to the credit bureaus and they still say they have validated it with XXXX and will not remove it. XXXX consumer # XXXX and Case # XXXX dated XX/XX/2020, shows there is not a bankruptcy on me. I have been going back and forth with the bureaus since XX/XX/2020.

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 2020-11-07 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: I.C. System, Inc.
State: TX

Complaint narrative:
Dear Sir or Madam, I have contacted the following companies from 2 different credit bureaus and they can not even find information on items that I have on my credit report. I would liked them removed as soon as possible. 

I have sent the dispute letters to XXXX  and XXXX  to have them removed and it has been over the standard time of 30 days with no reply. 

The items are ... ... 

1. XXXX XXXX XXXX - Amount of {$2600.00} 2. XXXX XXXX XXXX - Amount of {$1500.00} 3. I.C. Systems, INC - Amount of {$610.00}

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 2020-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
My XXXX XXXX XXXX was purchased with XXXX miles. All the service has been completed on the vehicle up to XXXX miles where the vehicle just stopped and no service engine lights appeared. The motor is completed done with no more life. Capital One will not assist with current outstanding loan left on the vehicle of {$7600.00}, nor will XXXX XXXX  XXXX or XXXX XXXX XXXX. They told me it was a XXXX  but with less than XXXX miles this vehicle should have plenty of life left. Now I am stuck with a loan and no car. I need help very seriously. This vehicle should be bought back by the original company that made the motor or I should have some assistance with the company buy a refurbished motor at their cost for only XXXX miles driven and regular maintenance. Please help, Im at a loss for words at how this can happen in today 's world of long running vehicles.

Company response to consumer: Closed with explanation