vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was scammed in a fake check scheme. On XXXX, I was contacted and told I would receive {$500.00} to be this painters muse. They sent me two checks through email, one of {$1500.00} and one of {$2000.00} ( totaling {$3500.00} ). They told me to XXXX some vendors, for the costs of supplies and the like. 

After I had done so, keeping the {$500.00} I was told was mine, the checks came back as fraudulent and I blocked contact with the scammers. After some research, I immediately contacted my bank and went through the process of filing different claims. 

My bank, Truist, told me because this was an authorized transaction ( i.e. done with my knowledge ), they would not reimburse me for the now negative balance of {$3500.00} in my account. 

My account is now frozen and Im set to travel in less than a week to a foreign country. I desperately need my money back and just want this to all be over. Any help is greatly appreciated.

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 2023-06-24 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: I.C. System, Inc.
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

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 2023-06-24 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: AZ

Complaint narrative:
I am writing to address the fraudulent account and inquiries attached to my consumer report, which I have previously brought to your attention. The reinvestigation process has exceeded the 30-day timeframe, causing significant financial distress and hindering my ability to secure housing for my family. 

Enclosed, please find copies of the identity theft report I filed, along with the report outlining the fraudulent account and inquiries on my consumer report. These documents serve as conclusive evidence of the fraudulent nature of the account and inquiries, necessitating their immediate removal from my report. 

Fraudulent Account : Account Name : XXXX XXXX  Account Number : XXXX Fraudulent Inquiries : - XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX I urgently request your immediate action to remove the fraudulent account and inquiries within four business days. The presence of these inaccuracies has a detrimental impact on my financial reputation and obstructs my ability to secure suitable housing for my family. I expect a response from a real person, not an automated system such as e-oscar, as this matter requires personal attention and resolution. 

Failure to address this matter promptly may result in legal action seeking compensation for each violation in accordance with the applicable regulations. Your cooperation in resolving this matter swiftly and rectifying the inaccuracies in my consumer report is crucial. 

Please acknowledge receipt of this letter and provide regular updates on the progress made to remove the fraudulent account and inquiries. I appreciate your immediate attention to this urgent matter. 

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 non-monetary relief
Consumer complaint received 2023-06-24 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: PA

Complaint narrative:
On XX/XX/2023 I have filed and submitted a request to correct all incorrect information on my credit report with all three bureaus. I have waited the 30 days for the results and nothing was corrected! There are numerous inaccurate addresses and accounts on my reports. Per FCRA regulations and requirements 15 usc 1681i ( 5 ) I am entitled to a fair and Accurate credit report. There are numerous accounts reporting to only one or two of the bureaus in question. That in itself should be enough to delete some or all of inaccuracies on my reports! I am a XXXX XXXX  of XXXX young children and am in need of buying reliable transportation and housing. I can not do either, do to the inaccuracies on my credit report! I am submitting this to correct any inaccuracies across all three bureaus and request immediate remedy.

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 2023-06-24 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: MO

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST ADVANTAGE CORPORATION
State: PA

Complaint narrative:
I received a copy of my background report for employment and First Advantage Background Services Corp is reporting adverse information of convictions of crimes which antedates the report by more than seven years. That is a violation of Title 15 USC 1681c ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX XXXXXXXX XXXX Capital One Bank sent email that they had put a restriction on my accounts, due to suspicious activity. 
Phones several times and sent many emails begging them to please release my money. No response. 
On XX/XX/XXXX I logged in to check status of account and it showed a XXXX balance. 
Checking further, I saw the money had been sent with an electronic transfer. 
The transfer has not shown up in my XXXX XXXX account. 
Called Capital One to find out where the sent my money. Was told to leave a message and if they thought it necessary They would call me. Before I could say a word the call was disconnected. Called back and got to leaves a message. That was 2 days ago. 
Still no response. Sent private message on XXXX 2 days ago, Still no resonse. 
The amount of money involved is {$7100.00}. 
I am an XXXX XXXX XXXX XXXX and I do not need this kind of treatment as it has caused a lot of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: Sunbit, Inc.
State: OK

Complaint narrative:
Recieved a report on my credit monitoring service that a new installment loan had been opened in my name on XX/XX/2023 at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX ( XXXX ) XXXX in the amount of {$610.00}. I called XXXX to place a fraud alert and dispute the information on XX/XX/2023. 

On XX/XX/2023 a representative of Sunbit, using the email of XXXX XXXX, called in reference to the dispute that I had filed with XXXX. I verified that it was not my account and that they had the wrong phone number and email. Sunbit emailed me a copy of the loan agreement and I again told them that it was not mine ( I always use my full name on legal documents ). 

On XX/XX/2023 I recieved a letter from XXXX that Sunbit had verified the account WAS MINE and ACCURATE. 

I called both XXXX and Sunbit to no avail but that I needed to file a police report and file a report with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: TX

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 m
y 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: MS

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 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: Braviant Holdings, LLC
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: FL

Complaint narrative:
the beginning of the month i sent letters to all buraus in regards to fraud accounts and inquiries reporting and still the issue has not been resolved. per 15 usc 1681b. I DID NOT AUTHORIZE ANYONE TO FURNISH ANY OF THESE LET ALONE FRAUD INFORMATION AT THAT. I WILL HAVE TO TAKE LEGAL ACTION IF THIS ISSUE IS NOT RESOLVED SOON.

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 2023-06-24 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: FL

Complaint narrative:
the beginning of the month i sent letters to all buraus in regards to fraud accounts and inquiries reporting and still the issue has not been resolved. per 15 usc 1681b. I DID NOT AUTHORIZE ANYONE TO FURNISH ANY OF THESE LET ALONE FRAUD INFORMATION AT THAT. I WILL HAVE TO TAKE LEGAL ACTION IF THIS ISSUE IS NOT RESOLVED SOON.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I write to you with extreme frustration and anger regarding an account that TransUnion has verified as accurate on my credit report. I firmly believe that the inclusion of this account is a blatant and outrageous violation of critical consumer protection laws. I demand your immediate and forceful intervention to rectify this unjust situation. 

XXXX XXXX Report Created On : XX/XX/2023 File Identification Number : XXXX Provided by TransUnion Consumer Relations The audacity of TransUnion to disregard my diligent efforts to dispute the accuracy of this account is an affront to consumer rights and an open defiance of the laws that are meant to protect us. I will not stand idly by while my financial well-being is unjustly compromised. 

The inclusion of this account on my credit report is a direct violation of the Fair Credit Reporting Act ( FCRA ), which unequivocally requires credit reporting agencies to maintain accurate and fair reporting practices. TransUnion 's failure to remove the account despite my valid dispute is a brazen disregard for the very laws that govern their operations. I suspect multiple violations, not only of the FCRA but also of the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Act ( XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 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: Applied Data Finance, LLC
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/2023 I Received a letter from IRS stating I received {$5000.00} through Block Inc ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. Which someone used my name & social security number to receive these funds. I had never heard of these companies until the IRS notified me of this bill. We have reached out to IRS AND BLOCK INC concerning this matter. I have never received any funds from this company and I have been trying to prove it is a SCAM that someone received {$5000.00} using my name & social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My Wells Fargo Signature Visa Card, its cancelled now, the card was used as direct pay card for my XXXX cell phone service, the bill went for my checking account. The XX/XX/XXXX statement had a billing error, a double charge from a previous month, I informed Wells Fargo, customer service disputed the 2 charges. I contacted XXXX about it, they resolved the issue with a free months service. I contacted Wells Fargo they closed the 2 disputes. Then on XX/XX/XXXX the 2 charges reappeared on my visa statement. Contacting Wells Fargo, I was informed that Wells Fargo made a payment to XXXX of {$100.00} on the XXXX. I requested a transaction number for that payment on the XXXX and still do not have one that I can use to verify XXXX was payed. XXXX  can not find that payment without the transaction number, Wells Fargo required that I pay them {$100.00} or interest will start adding up monthly. The payment was made and I still have no evidence that Wells Fargo made the payment to XXXX. I mailed 2 requests to Wells Fargo 's dispute dept. that I am attaching. First was to remove the {$100.00} because XXXX had been reimbursed by me, second was about a transaction number to follow up with XXXX for credit for a payment I can not prove was made 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 2023-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I travel a lot and over the past few months have spoken to Wells Fargo XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX branch manager submitted problem to Resolution Team on my issue ) XXXXXXXX XXXX I complained to XXXX XXXX as per below a banker. XXXX XXXX. The branch XXXX, XXXX XXXX Managers Manager, is aware of my having problems. 

XX/XX/23 at XXXX I was at Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX To resolve my issue : The bank thinks my XXXX account is being used fraudulently. During the time I was setting up my accounts my customers were trying to send me money and complained when the transaction failed to go through. 

The online system at Wells Fargo lets you set up 4 accounts for transfer. I am including my tokens for these accounts. 

Below are the tokens that I want restored by Wells Fargo. 

Phone : XXXX XXXX : XXXX Secondary : XXXX Other : XXXX It is ludicrous to tell me that I can not do XXXX transactions using an email and phone number i have had for 30 years and appears on all my business cards, financial transactions etc.

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 2023-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
On XX/XX/ I purchased a vanilla Visa gift card for {$4.00} I then put {$500.00} on the card. There was still {$72.00} left on the card when vanilla shut off the card on XX/XX/XXXX Once the card has been shut off there was no way to get to customer service on the phone or online. I have made contact with them through the cfpb. communicated with XXXX XXXX. send it send me a check on the XXXX of XXXX never happened. Now no one answers that line of communication. Thank you for listening. XXXX XXXX

Company response to consumer: Closed with explanation