vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have unfortunately become a victim of identity theft. In XX/XX/XXXX, I uncovered several accounts opened in my name without my knowledge or consent. Despite my efforts to dispute these fraudulent accounts with the Consumer Agencies, the issue remained unresolved, leading me to file an Identity Theft Police Report in XX/XX/XXXX. Through diligent follow-up, I successfully removed most of the fraudulent accounts. However, Experian still lists the following accounts on my Consumer Report : XXXX XXXX XX/XX/XXXXXXXXXX/XX/XXXX andXX/XX/XXXXXXXX. I would like to bring to your attention that Experian is currently in violation of multiple provisions under the Fair Credit Reporting Act, including but not limited to : *Failure to Correct or Delete Inaccurate, Incomplete, or Unverifiable Information ( 15 U.S.C . 1681i ( a ) ( 5 ) ) *Permissible Purpose ( 15 USC 1681b ( 2 ) ) *Block of Information Resulting from Identity Theft ( 15 USC 1681c-2 ) *Civil Liability for Willful Noncompliance ( 15 USC 1681n ) *Failure to Maintain Reasonable Procedures to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) *Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ) *Civil Liability for Negligent Noncompliance ( 15 USC 1681o ) I demand that you immediately initiate an investigation into my dispute and delete this erroneous information within four business days of receiving this notice, as required by the Fair Credit Reporting Act under 15 USC 1681c-2. Your failure to comply with this request will leave me with no alternative but to pursue legal action to protect my credit rating and personal interests. Keep in mind that each violation of the FCRA is subject to damages of up to {$1000.00} should this matter escalate to court. 
This situation has not only caused me immense emotional distress but has also severely affected my mental well-being. As a result, I am left with no choice but to escalate this issue and insist upon a swift and equitable resolution.

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 2024-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XX/XX/2024 XXXXXXXX XXXX  Email from Capital One stating my transfer of {$16000.00} from my savings account to my business account was complete and the money was available on XX/XX/2024. 

XX/XX/2024 XXXXXXXX XXXX Call to Capital One ( XXXX ). 53 minute call from me regarding money transfer from savings to business account. They switched me between three different people : one with the business side, one with the regular accounts and then to the Fraud Division. Was told all transactions were stopped ; the money was still in the business account. I could still have access to the accounts and it showed the money was still in the account. 

XX/XX/2024 XXXXXXXX XXXX. Email from Capital One stating that an ACH was processed at XXXXXXXX XXXX from XXXX XXXX XXXX business account to XXXX XXXX in the amount of {$9100.00} confirmation code XXXX XX/XX/2024 XXXXXXXX XXXX. Email from Capital One stating that an ACH was processed at XXXXXXXX XXXX. from XXXX XXXX XXXX business account to XXXX XXXX in the amount of {$8000.00} confirmation code XXXX XX/XX/2024 XXXXXXXX XXXX  Call to Capital One Fraud Department ( XXXX XXXX ). 20 minute call processing fraud claim. 

XX/XX/2024 XXXXXXXX XXXX  Call back from Capital One Fraud Department ( XXXX XXXX ). 46 minute call completing fraud claim. All accounts were frozen and my access was removed. 

XX/XX/2024 Spent 4 hours at the bank trying to get resolution. Was told the money was in fact sent via ACH for a total of {$17000.00} removed. 

The bank is still refusing to refund me the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
sent debt validation letter to credit bureaus on XX/XX/2024 more than allot 30 days to respond

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: DE

Complaint narrative:
Disputed as fraud several times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am writing to bring to your attention my ongoing efforts to resolve an issue of identity theft involving a debt that does not belong to me. I sent a certified letter to the creditors for the debt requesting the following information, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant laws : Debt validation, including proof that the debt belongs to me. 
A detailed list of payments made on the account. 
My signature on any agreement related to this debt. 
Any insurance claims associated with the debt. 
Proof of chain of title of the debt, as per USC 15 1692g.

Despite following the correct procedures and citing my rights under the USC 15 1692g, I have not received a response from creditor 's within the timeframe required by law. Furthermore, I have contacted each credit bureau and requested the same information, again receiving no response within the legally mandated timeframe. 

To demonstrate that I am a victim of identity theft, I have enclosed copies of my identification, Social Security card, and the police report filed for this incident. These documents clearly indicate that the debt in question is fraudulent and does not pertain to me. 

I am seeking your assistance in resolving this matter promptly. Please investigate this issue and ensure that this creditor provides the necessary documentation to verify and correct this erroneous debt. I appreciate your attention to this urgent matter and look forward to your prompt response. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am writing to bring to your attention my ongoing efforts to resolve an issue of identity theft involving a debt that does not belong to me. I sent a certified letter to the creditors for the debt requesting the following information, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant laws : Debt validation, including proof that the debt belongs to me. 
A detailed list of payments made on the account. 
My signature on any agreement related to this debt. 
Any insurance claims associated with the debt. 
Proof of chain of title of the debt, as per USC 15 1692g.

Despite following the correct procedures and citing my rights under the USC 15 1692g, I have not received a response from creditor 's within the timeframe required by law. Furthermore, I have contacted each credit bureau and requested the same information, again receiving no response within the legally mandated timeframe. 

To demonstrate that I am a victim of identity theft, I have enclosed copies of my identification, Social Security card, and the police report filed for this incident. These documents clearly indicate that the debt in question is fraudulent and does not pertain to me. 

I am seeking your assistance in resolving this matter promptly. Please investigate this issue and ensure that this creditor provides the necessary documentation to verify and correct this erroneous debt. I appreciate your attention to this urgent matter and look forward to your prompt response. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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
Consumer complaint received 2024-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BIYING Inc

Complaint narrative:
Subject : Urgent Request for Assistance Account Freeze by Pionex Cryptocurrency Exchange I hope this message finds you well. I am writing to seek urgent assistance regarding a troubling issue with Pionex Exchange, a cryptocurrency platform based in XXXX. Recently, Pionex froze my account and restricted access to my funds without providing adequate justification or a clear path to resolution. As an XXXX XXXX residing in the XXXX and originally from XXXX, this situation has placed me in a precarious financial position and created significant personal distress. 

Account Details : XXXX : XXXX Account ID : XXXX Pionex Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I relocated to the XXXX in XX/XX/year> to pursue my XXXX XXXX Being unfamiliar with XXXX  financial regulations, I transferred XXXX to my family in XXXX for their essential living expenses. This action led to my account being frozen by Pionex without prior warning or guidance on compliance issues. 

Summary of the Issue : Incident : My account was frozen after transferring XXXX to my family in XXXX. 
Reason for Freeze : Compliance with unspecified international regulations, but no prior warning or clear instructions from Pionex.

Impact : Severe financial strain on my family and significant personal stress as I navigate this issue alone in a XXXXXXXX XXXX 
Attempts to Resolve : Communications : Despite numerous attempts to resolve this issue with Pionex support, their responses have been generic and unhelpful : " In accordance with our regulatory obligations and international compliance policies, we are unable to offer our services to residents within certain judicial jurisdictions. '' " We regret to inform you that we are unable to proceed with your request, as our decision is final. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer under subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 
XXXX - XX/XX/XXXX - Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 
XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with ( XXXX, XXXX XXXX, XXXX, ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX, XXXX XXXX, XXXX, ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with ( XXXX, XXXX XXXX, XXXX, ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX, XXXX XXXX, XXXX, ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SG and Associates
State: OH

Complaint narrative:
Was contacted by Stafford group and associates Yesterday and today about money that I was unaware of owing for a set of tires from tire agent that I do not have they told me that payments were made until a fiew months ago I contacted my bank and they dont have any records of money taken from and accounts such as this one I think this is identity theft how do I get this issue taken care of???

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