vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022, I received a text from a number claiming to be from XXXX 's fraud department claiming that someone was trying to purchase a XXXX XXXX  and to call the number on the text to let them know it wasn't me.. I then called the number and the person that answered said they were with XXXX 's fraudulent claims dept and that they needed to gain access to my phone remotely to XXXX  hackers from XXXX XXXX and XXXX that were trying to use my IP address to run a XXXX XXXX XXXX  Under duress I gave them access to my phone They then started purchasing XXXX XXXX  and stocks in XXXX XXXX XXXX  and they would sell both and then transfer the funds back into my bank account. They did this repeatedly for the next 3 hours, never allowing me to use my phone to call for assistance as it was being remote controlled by them. At some point they were distracted and I was then able to turn off my phone and when I turned my phone back on, I immediately uninstalled the application the used to remote control my phone. They tried calling me back numerous times then I blocked the number. At the end of this ordeal they had purchased XXXX of XXXX XXXX via my XXXX account and sent it to their personal wallet. I then notified Wells Fargo that I fell victim to fraud and they put XXXX back into my account as a provisional credit. Wells Fargo said they would investigate and would notify me in 30 days. I was notified that my claim was closed because I gave the scammers permission.

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 2022-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have items on my consumer credit report I dont recognize. I XXXX XXXX did not open these accounts, therefore they are fraudulent accounts. I dont a contract with any of these companies. I would like an investigation conducted, and these accounts deleted from my consumer credit report as soon as possible. 

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 : also states a consumer reporting agency can not furnish a account without my written instructions These accounts below are fraudulent, and would like them deleted immediately from my credit report. 

XXXX : Account number : XXXX open date inconsistent and or duplicate account Amount : {$8000.00} XXXX  : Account Number XXXX open date inconsistent Amount : {$8000.00} XXXX  : Account Number XXXX open date inconsistent Amount : {$590.00} but credit limit is {$500.00}. ( Inconsistent ) open date inconsistent XXXX XXXX XXXX XXXX : Account number XXXX XXXX  open date inconsistent and or duplicate account. 
XXXX XXXX XXXX : Account Number XXXX open date inconsistent XXXX XXXX : Account number : XXXX inconsistent XXXX XXXX XXXX : Account number : XXXX inconsistent. Not mine, do not have a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I sent a letter certified mail to LVNV Funding LLC asking for 1. Validation of the debt- that is the actual accounting 2.Verification of a signed invoice 3.A copy of the contract binding both parties ( myself XXXX XXXX, and LVNV Funding LLC ) however XXXXcording to 15 USC 1692 E,15 USC 1692 D,15 USC 1692 XXXX not use language or symbol of any envelope or in the contents of any communication effected by the mail or telegram that indicated the debt collector is in the debt collection business or that the communication related to the collection of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: IL

Complaint narrative:
I sent a letter XX/XX/22 also XX/XX/22 asking Experian, XXXX, and XXXX to investigate my accounts. Its been over 30 days. These consumer reporting agencies are in violation. 


According to USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 

And, They didnt even record the current status of disputed information which is another violation. 

I have all evidence attach below

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 2022-12-17 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: SC

Complaint narrative:
Its been over 30 days and the creditors have not provided updated information nor has provided proof of documentation of listed debts. They have not supplied any validations, written or signed consent from myself, XXXX XXXX, description of proof of investigations, or proof of accuracies. Under federal law, they had 30 days to complete the investigations. By failing to do so, the items MUST be deleted from my credit report AS SOON AS POSSIBLE. 

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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-17 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: SC

Complaint narrative:
Its been over 30 days and the creditors have not provided updated information nor has provided proof of documentation of listed debts. They have not supplied any validations, written or signed consent from myself, XXXX XXXX, description of proof of investigations, or proof of accuracies. Under federal law, they had 30 days to complete the investigations. By failing to do so, the items MUST be deleted from my credit report AS SOON AS POSSIBLE. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated My federally protected customers, right to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX DIVISION OF CHILD SUPPOR DIVISION OF CHILD SUPPOR DIVISION OF CHILD SUPPOR XXXX XXXX XXXX  XXXX XXXX OF THE XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States that I have the right to privacy. 

15 USC 1681. Section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) sections 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 convictions of crimes which anti-dates 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 t he information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: NY

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated My federally protected customers, right to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX DIVISION OF CHILD SUPPOR DIVISION OF CHILD SUPPOR DIVISION OF CHILD SUPPOR XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 1

5 USC 1681 section 602 A. States that I have the right to privacy. 15 USC 1681. Section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) sections 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 convictions of crimes which anti-dates 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 t he 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 2022-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: OH

Complaint narrative:
I reached out to Keybank around XX/XX/2022 about my card being lost/stolen. I went inside the branch explained to a customer service rep the situation. She basically said she couldnt help me and basically judge the situation said I needed to file a police report if I needed her help. Then printed me out an paper and said call the fraud line. I called spoke with them about money being stolen off my card. I explained to them XXXX XXXX XXXX was my last authorized transaction and Im missing {$4300.00} dollars off my card and that this is the second time this occurred. The representative told me that my money should be back in my account within the bank timeframe. Im not understanding how they dont send alerts or freeze a card up when its suspicious activity and i will be looking into a legal matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX, has violated my rights, and i am also a victim of identity theft. 



15 USC 1681 section 602 A. States have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Pursuant to 15 USC 1681 a ( 2 ) congress make it clear that a Consumer report does not contain any transactions or experinces. Congress make it clear that I have a right to PRIVACY as a Federally Protected Consumer! You Continue to Violate and disrespect my right to privacy which is a direct Violation of the FCRA and gramm-Leach-Bliley act ! I did not Consent or authorize for you to share my nonpublic personal information. Congress requires you to adopt reasonable procedures for meeting the needs of commerce in a manner which is fair and equitable to me with regard to the confidentiality, accuracy, relevancy and proper utilization of such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: TN

Complaint narrative:
On XX/XX/XXXX. I submited disputes to the credit bureaus and I have not recieved any correspondence to this matter. Under the FCRA, they are supposed to investigate and notify me within 30 days. That has not been done.

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 2022-12-17 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: TN

Complaint narrative:
On XX/XX/XXXX. I submited disputes to the credit bureaus and I have not recieved any correspondence to this matter. Under the FCRA, they are supposed to investigate and notify me within 30 days. That has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Good Afternoon, I have disputed the accounts below several times asking for verifiable proof ( an original Consumer Contract with my Signature on it ) they have on file the accounts listed below. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me with a copy of the verifiable proof, they must remove the accounts listed below. 

The accounts below have failed to provide proof and will not remove from my credit report. Please assist. 

Thanks Name of Account Account Number Provide XXXX XXXX Portfolio Recovery Associates {$490.00} XXXX Unverified Account Portfolio Recovery Associates {$750.00} XXXX Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: IL

Complaint narrative:
I sent a letter XX/XX/22 also XX/XX/22 asking XXXX, TransUnion, and XXXX to investigate my accounts. Its been over 30 days. These consumer reporting agencies are in violation. 


According to USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

And, They didnt even record the current status of disputed information which is another violation. 

I have all evidence attach below

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 2022-12-17 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: IL

Complaint narrative:
I sent a letter XX/XX/22 also XX/XX/22 asking XXXX, XXXX, and Equifax to investigate my accounts. Its been over 30 days. These consumer reporting agencies are in violation. 


According to USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

And, They didnt even record the current status of disputed information which is another violation. 

I have all evidence attach below

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I tried to get a annual credit report an credit score

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 2022-12-17 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: TN

Complaint narrative:
On XX/XX/XXXX. I submited disputes to the credit bureaus and I have not recieved any correspondence to this matter. Under the FCRA, they are supposed to investigate and notify me within 30 days. That has not been done.

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 2022-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I have received two letters now, addressed to my daughter who is a minor, stating that she owes {$2500.00} in what appears to be back rent in another town that we have never lived in. My XXXX XXXX XXXX XXXX was born at the current address we live..in a mobile home that we own and has lived here since birth. The supposed back rent is from I assume an apartment complex approx XXXX minutes from where we live. The debt collector is FCO ( Fair Collections & Outsourcing ). This is obviously a case of mistaken identify or fraud. I have read on the XXXX site that this company will threaten to report fraudulent debts to peoples credit reports in an attempt to collect money from them. I have not attempted to contact this company yet because Im afraid that they will then get my information and attempt to report this debt on my credit report since my daughters is a minor.

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 2022-12-17 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: IN

Complaint narrative:
I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights, and i am also a victim of identity theft. 



15 USC 1681 section 602 A. States have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent

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 2022-12-17 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: IN

Complaint narrative:
I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, has violated my rights, and i am also a victim of identity theft. 



15 USC 1681 section 602 A. States have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent

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 2022-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Previous complaint, XXXX has been left unattended for weeks. 

After complying with the demands of Ally 's Fraud Prevention to upload identity verifying documents, I was told clearly that I would receive further communication within 3 business days. 

This never happened. 

Eventually, i would call Ally to inquire about the upload, if any determination had been made, or if there was any information I could offer them. 

They indicated that they did not know any of this, but would notify the relevant department that I had contacted Ally, leaving the message that the understood time had gone by and I had started to become concerned. 

I do not know if that message was ever passed along. 

Today is XX/XX/17, and almost an entire month has gone by that I have not been able to access the money in my Ally Checking account. I have complied with all requests they have made of me and have been met with lack of information and inaction. 
I will have received two months of full time salary employment wages via direct deposit to that account that I have been not able to access during this time. 

At no point has Ally initiated contact with 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 non-monetary relief