vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I the natural consumer became aware of the fraudulent account on my credit report XX/XX/2021. This consumer contract was open on XXXX XXXX without my knowledge permission, or consent. The consumer contract pursuant 16 CFR 433.1-433.3 is incomplete it takes two signatures and I never signed a contract with CAPITAL ONE BANK USA N. I have the right to demand to stop of communication on all mediums in collection to this alleged debt pursuant 15 USC 1692 c ( c ). Since XXXX XXXX and XXXX failed the banking system by reporting this unfair inaccurate information pursuant FCRA 15 USC 1681 delete this account or be held liable for all damages listed. XXXX XXXX and XXXX are not exercising their grave responsibilities with fairness, impartiality, and respect for my privacy. The account is impairing my abilities to receive goods for my personal family or household usage as a natural person consumer pursuant 16 CFR 433.1. XXXX XXXX and XXXX does not have permissible purpose to furnish this account per my written consent in accordance to the FCRA. This is aggravated identity theft 18 USC 1021a and all parties will be held liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These consumer reporting agencies are reporting fraudulent and inaccurate information on my report and is violating my right to privacy under FCRA law XXXX5 USC 1681b! 
There are reports showing that this account " XXXX XXXX XXXX XXXXXXXX '' has late payments which are inaccurate and each individual credit reporting has different late payment dates for this account which is inaccurate and fraudulent!

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 2021-10-24 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: PA

Complaint narrative:
These consumer reporting agencies are reporting fraudulent and inaccurate information on my report and is violating my right to privacy under FCRA law 15 USC 1681b! 
There are reports showing that this account " XXXX XXXX XXXX XXXXXXXX '' has late payments which are inaccurate and each individual credit reporting has different late payment dates for this account which is inaccurate and fraudulent!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
I requested Discover to cease communication of a billing error of nonmailable matter per 39 USC 3001 ( d ) 39 USC 3005 ( a ) ( 3 ) and regarding the sharing of my information with third parties per 15 U.S.C. 1692c ( b ) in accordance to my right of privacy and confidentiality. Discover closed my card account alleging that they received a cease communication notice by me, the consumer, and took it upon themselves to take adverse action to close my account without my consent in violation of Title 15 USC 1692c ( c ) without notifying consumer.

The good faith right to Cease communication does not include closing account without consent of the consumer and further appears to be a deliberate violation of 12 CFR 1026.13 ( d ) ( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not restrict or " close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.

Discover has not complied with alleged cease communication notice and continues to report consumer credit transactions without my consent to third parties and appears to continue sending nonmailable matter as mail fraud ( see attached USPS mail receipt ).

Discover has refused to reinstate account and continues to harass me indirectly via consumer reporting agencies despite their fraudulent act. There is not one law that states a credit or insurance transaction are required to be reported without consumer consent as expressed by congressional findings 15 U.S.C. 1681 ( a ) ( 2 ) An elaborate mechanism has been developed, ( 3 ) Consumer reporting agencies have assumed a vital role.

Discover has deprived me of my right to credit illegally without 15 U.S. Code 44 documentary evidence and verification ( sworn statement ) as Constitution for United States of America 4th amendment compliance for seizure for property.

I authorize Discover and The Bureau to proceed with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: HI

Complaint narrative:
Experian On-Line has failed to fix an existing problem with their Boost system. I had made a complaint but to no avail. I have excellent payment records for several years for two boost approved accounts, XXXX and XXXX XXXX. Yet Experian has not posted them for an Experian Boost. They are plainly label in my checking account and I don't know why Experian can neither find them or post the for a boost. Please fix this problem.

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 2021-10-24 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: PA

Complaint narrative:
These consumer reporting agencies are reporting fraudulent and inaccurate information on my report and is violating my right to privacy under FCRA law 15 USC 1681b! 
There are reports showing that this account " XXXX XXXX XXXX XXXXXXXX '' has late payments which are inaccurate and each individual credit reporting has different late payment dates for this account which is inaccurate and fraudulent!

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 2021-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Had received a direct deposit from a friend of mine they closed my account after some one stole my card and deposit some checks that bounced the whole time my direct deposit was in saving and checking account when account was closed they sent a check to prior address I was not living there so check was returned so when I came back from XXXX I called chase Bank and was told I could not have another check sent out and that I would need my friend who is now back in XXXX to come in and verify some thing I don't know why if check was sent out once and after 1yr plus there have been no criminal or friend fraud with that deposit and they have already attempted to send the check to me once already

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: PA

Complaint narrative:
I the natural consumer became aware of the fraudulent account on my credit report XX/XX/2021. This consumer contract was open on XXXX XXXX without my knowledge permission, or consent. The consumer contract pursuant 16 CFR 433.1-433.3 is incomplete it takes two signatures and I never signed a contract with XXXX  XXXX XXXX  XXXX XXXX I have the right to demand to stop of communication on all mediums in collection to this alleged debt pursuant 15 USC 1692 c ( c ). Since Transunion  XXXX and XXXX failed the banking system by reporting this unfair inaccurate information pursuant FCRA 15 USC 1681 delete this account or be held liable for all damages listed. Transunion XXXX and XXXX are not exercising their grave responsibilities with fairness, impartiality, and respect for my privacy. The account is impairing my abilities to receive goods for my personal family or household usage as a natural person consumer pursuant 16 CFR 433.1. Transunion XXXX and XXXX does not have permissible purpose to furnish this account per my written consent in accordance to the FCRA. This is aggravated identity theft 18 USC 1021a and all parties will be held liable. Transunion XXXX and XXXX failed to properly investigate the information before furnishing the data so a response saying an investigation will be started I will pursue further litigation and Transunion XXXX and XXXX will be held by default to those damages.

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 2021-10-24 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: PA

Complaint narrative:
I the natural consumer became aware of the fraudulent account on my credit report XX/XX/2021. This consumer contract was open on XXXX XXXX without my knowledge permission, or consent. The consumer contract pursuant 16 CFR 433.1-433.3 is incomplete it takes two signatures and I never signed a contract with XXXX XXXX XXXX XXXX  XXXX I have the right to demand to stop of communication on all mediums in collection to this alleged debt pursuant 15 USC 1692 c ( c ). Since XXXX Equifax and XXXX failed the banking system by reporting this unfair inaccurate information pursuant FCRA 15 USC 1681 delete this account or be held liable for all damages listed. XXXX Equifax and XXXX are not exercising their grave responsibilities with fairness, impartiality, and respect for my privacy. The account is impairing my abilities to receive goods for my personal family or household usage as a natural person consumer pursuant 16 CFR 433.1. XXXX Equifax and XXXX does not have permissible purpose to furnish this account per my written consent in accordance to the FCRA. This is aggravated identity theft 18 USC 1021a and all parties will be held liable. XXXX Equifax and XXXX failed to properly investigate the information before furnishing the data so a response saying an investigation will be started I will pursue further litigation and XXXX Equifax and XXXX will be held by default to those damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: TN

Complaint narrative:
On XX/XX/XXXX, Discover froze my secured credit card for no reason. They claim something about the IRS. The email they sent me looks like a scam. Not from them. They refuse to let me use my card again without filling out an emailed form which is password protected. They have the password and so far refuse to release it. They stole {$500.00} from me and I want my money back. Their telling me to fill out their password locked info that I can't do or wait three plus months for my deposit back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have spent nearly 2 months, 2 in person visits, and several hours on the phone trying to recover {$2200.00} that was stolen from me. 

My wallet with ID and debit card was stolen from me in XX/XX/XXXX. I immediately notified the bank and felt I should close all 6 of my accounts, but I was assured by the fraud department that extra security measures would be placed on my account. They informed me that the extra security would mean that no business could be conducted on any of my accounts over the phone or in the drive thru lane. I would need to go inside and present 2 forms of identification. 

At the end of XX/XX/XXXX, a theif impersonating me presented a stolen check written to me to be cashed. The teller cashed this check in the drive thru lane with only my stolen driver 's license for identification! When a stop payment was made on the check by the other victim of this theif, SunTrust removed the money from my account.

I was originally told it would take 15-30 days to investigate ( which I felt was ridiculous as this was not regular identity theft, this was 100 % Teller error! ). I was told on at least 5 different phone calls that I would receive a phone call within 24-48 hours and it has never happened! In all of this time I have received 1 email which required me to return a signed affidavit. This was almost 2 weeks ago. I emailed the affidavit right away and immediately received a notice that the representative was out of the office for several days. I've sent 3 more emails to this representative, with no response.

I am at my wit 's end. I have been a SunTrust customer for almost 20 years and am beyond dissapointed. I want my money back!

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 2021-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Coinbase has received XXXX tokens which were directed by the developers to be distributed to participants who participated in the XXXX XXXX XXXX. It uses the same infrastructure and method of airdrop as the XXXX  token which Coinbase publicly announced that they will support it. The XXXX and XXXX XXXX  are 2 XXXX  using the exact same infrastructure and method of distribution from the same developers but Coinbase is claiming that they can not distribute it because the infrastructure does not support it ( blatant lie ). Coinbase is currently holding millions of dollars worth of XXXX tokens from their rightful owners.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AR Resources, Inc.
State: AL

Complaint narrative:
I was checking my credit report because I'm in the process of buying a house when I found out two days ago. The collection company 's name is AR Resources Inc, and the original creditor is XXXX XXXX XXXX. I have no idea who these people are. They are charging me {$750.00}. They reported the inaccurate and fraudulent debt to the credit bureau agencies. They requested a filed report from CFPB to delete the items. 
Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Reason : I'm disputing the company Bank of America, Account Number XXXX. I disputed this account of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The reason I'm disputing this account because of inaccurate payment history reporting across all three bureaus ( XXXX, XXXX, and XXXX ). I contacted each bureau showing them how each bureau was showing inaccurately and inconsistently. XXXX is showing 60 days late for XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX and 90 days late for the month of XX/XX/XXXX, But XXXX is only showing 30 days late for those months. I also contacted XXXX by Phone on Monday XX/XX/XXXX and was told they received the dispute on the XXXX of XX/XX/XXXX and the company had already responded with the information. That is a violation of the FTC Act as this account is reporting inconsistently and inaccurately. I also asked for proof of all of these late payments but I have failed to receive this proof from the company and the Bureaus.

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 2021-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torres Credit Services, Inc.
State: NY

Complaint narrative:
Upon checking my credit report. I saw a erroneous collection for {$67.00} dollars. 
This erroneous collection account was from a collection agency name Torres collection.

I have no knowledge of such a amount being owed for {$67.00} dollars. This collection that appears on my credit report is fraudulent and is in error.

I want it removed.

It appears on my account every month..and no mail from the alleged debt was ever received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
An unauthorized party stole my debit card information and withdrew funds from my account via ATMs without the access of the real card. A total of {$2000.00} was withdrawn without my permission from XX/XX/20 to XX/XX/20. I discovered these withdrawals on XX/XX/20 and called the customer service number on the back of the card on the same day. The representative froze my account and opened a dispute for the seven unauthorized withdrawals totaling {$2000.00}. 

I filed a police report and provided the report information and the declaration of fraud to their fraud department. American Express had repeatedly denied my disputes without providing reasons for the denial. After several dispute attempts, they closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Circle Internet Financial
State: MT

Complaint narrative:
On XXXX XXXX I recieved email offering me crypto loan through Poloniex to be used in trading I inquired about loan and was asking about loan terms and restrictions. While I was asking my questions about terms and restrictions I found terms were unacceptable for me and I informed the operator that the terms would not work for me. During this conversation she apartently was processing the " loan '' during the middle of conversation she informed me loan was processed. Even though I informed her several times terms were unacceptable. She insisted I had to take loan and she could not cancel loan even though I was refusing loan as terms were unacceptable. We carried on conversation for long period of time where I advised her I was filing complaint with you and any action I could in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I found out that a large amount of inquiries were reported on my credit report without my written or verbal concern. Here 's the list of all the companies that obtained my credit report or information in an unauthorized manner : 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 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 REPORTING INNACURATE INFORMATION- *SETTLEMENT LETTER WAS FILED OR SENT TO ALL THREE CREDIT REPORT AGENCIES*

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 2021-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I found out that a large amount of inquiries were reported on my credit report without my written or verbal concern. Here 's the list of all the companies that obtained my credit report or information in an unauthorized manner : 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 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 REPORTING INNACURATE INFORMATION- *SETTLEMENT LETTER WAS FILED OR SENT TO ALL THREE CREDIT REPORT AGENCIES*

Company response to consumer: Closed with explanation