vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-20 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consuming 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 furnished 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: AZ

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX  XXXX XXXX XXXX Opened : XXXX XXXX, XXXX, Balance : {$1800.00} ), XXXX  XXXX ( XXXX, Date opened XX/XX/XXXX, Original amount {$100.00} ), XXXX  XXXX ( XXXX, Date opened XX/XX/XXXX, Original amount {$800.00} ), XXXX  XXXX ( XXXX, Date opened XX/XX/XXXX, Original amount {$2500.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-11-20 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: SC

Complaint narrative:
I have file a dispute several time with transunion about the inaccuracy of my public record. I was a victim of a scam and the person filed a bankruptcy under my name. I never went to court nor filled out any paperwork. Transunion has been notified and still refuses to remove this information from my report.

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 2022-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BlockFi Inc

Complaint narrative:
To whom it XXXX concern, I am a customer and user of BlockFi Inc. 

I had digital crypto currencies stored in the BlockFi Trading LLC. Digital " wallet '' which was marketed by the company as a way to, and I quote : " Easily safeguard and store your crypto.. ''. as stated on their website. 

In light of recent events ( paused withdrawals ) BlockFi have not yet processed my withdrawal for crypto currencies, initiated on the XXXX XXXX, which were stored in the wallet PRIOR to any announcements by BlockFi of company uncertainty and withdrawal pausing. XXXX balances were XXXX XXXX and XXXX LT ( Litecoin ) respectively. 

Under the terms of XXXX XXXX XXXX stated on this page XXXX XXXX XXXX. My funds ( valued at a market price of almost $ XXXX ) were maintained by XXXX XXXX XXXX acting on behalf of XXXX XXXX XXXX. 

These assets were supposed to be safeguarded and the terms also states that there was no transfer of ownership from myself to BlockFi while I used this XXXX ' service. 

I formally request that XXXX honour the asset withdrawal in my name and I request that these assets are not used to satisfy secured creditors in the even of bankruptcy filings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1800.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: WA

Complaint narrative:
I have submitted my FTC identity theft report a copy of my social security card and my ID and proof of current income to all three credit reporting agencies I have disputed these accounts several times they are not mine but the company keep reporting them on my credit report even though I have stated I've been a victim of identity theft and these accounts do not belong to me XXXX XXXX XXXX  XXXX XXXX XXXX I have also requested that the credit reporting agencies send me any and all documentation that they received during their investigation that proves these accounts are being reported correctly and that they do belong to me that was over 30 days ago

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 2022-11-20 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have file a dispute several time with XXXX about the inaccuracy of my public record. I was a victim of a scam and the person filed a bankruptcy under my name. I never went to court nor filled out any paperwork. XXXX has been notified and still refuses to remove this information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: SC

Complaint narrative:
I have file a dispute several time with XXXX about the inaccuracy of my public record. I was a victim of a scam and the person filed a bankruptcy under my name. I never went to court nor filled out any paperwork. XXXX has been notified and still refuses to remove this information from my report.

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 2022-11-20 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681. 

XXXX  account XXXX XXXXXXXX XXXX XXXX XXXX Has violated my rights. 

XXXX  account XXXX XXXXXXXX XXXX XXXX  Has violated my rights. 

XXXX account XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

XXXX  account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Has violated my rights. 

XXXX  account XXXX XXXX XXXX XXXX Has violated my rights. 

XXXX accounXXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

XXXXXXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 

Also 15 u.s.c.1681 section 602A states I have a right to privacy.

15 u.s.c. 1681 section 604A section 2 ; It also states that a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c 1681c ( a ) 5 ; No consumer reporting agency containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antidotes the report by more than 7 years. 

15 u.s.c 1681s-2 ( a ) ( XXXX ) A person shall not furnish any information relating to a 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 2022-11-20 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consuming 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 furnished 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 2022-11-20 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consuming 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 furnished 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 2022-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BlockFi Inc
State: PA

Complaint narrative:
BlockFi holds customer cryptocurrency deposits in their BlockFi wallet. They advertise that these deposits remain the property of the client, and are not rehypothecated or used by BlockFi.

It appears that BlockFi will file for bankruptcy and they have paused the ability to withdraw funds from these wallets. However, these wallets should not be involved in a bankruptcy as they are not the property of BlockFi.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: WA

Complaint narrative:
I have submitted my FTC identity theft report a copy of my social security card and my ID and proof of current income to all three credit reporting agencies I have disputed these accounts several times they are not mine but the company keep reporting them on my credit report even though I have stated I've been a victim of identity theft and these accounts do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX I have also requested that the credit reporting agencies send me any and all documentation that they received during their investigation that proves these accounts are being reported correctly and that they do belong to me that was over 30 days ago

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have submitted my FTC identity theft report a copy of my social security card and my ID and proof of current income to all three credit reporting agencies I have disputed these accounts several times they are not mine but the company keep reporting them on my credit report even though I have stated I've been a victim of identity theft and these accounts do not belong to me XXXX XXXX XXXX XXXXXXXX XXXX XXXX I have also requested that the credit reporting agencies send me any and all documentation that they received during their investigation that proves these accounts are being reported correctly and that they do belong to me that was over 30 days ago

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 2022-11-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/XXXX Chime bank notified me that via email/text that there was suspicious fraudulent activity on my account. This put my account on a lock or suspended. From that point forward I have sent numerous emails ( close to 10 ) and about 25-30 phones calls ( thats what it feels like ) and I have sent them everything they have asked for as far as verification of my identity. They even expedited my account to have this reviewed and in the end they say I need to way. Im sorry at this point its been 3 weeks of waiting. ALL of my savings/funds are in this account. About $ XXXX {$7000.00} is sitting in there and they want me to wait on their time. I have a life, a family, I need to pay bills AND EAT. I cant afford to sit around for whatever department for my money. This is sick and honestly inhumane to have this long hold on someone elses money. They dont respond to any emails and when I make posts on twitter they respond with XXXX there, thank you for your patience, we are still working on this case. Keep an eye out for a message from our Member Services. Its almost one month and on XXXX I saw many people having this issue and even one who waited over a year. I will not do this. The holidays are very close and I cant participate in ways that someone would like to. PLEASE HELP ME. Chime is so useless and can care less about their customers. Today is XX/XX/XXXX and Im still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened a XXXX Savings Account, as part of the onboarding flow, I connected my XXXX  XXXX XXXX account and transferred in XXXX dollars. 

On XX/XX/XXXX I received two " change of address '' notices, alerting me that they had to correct the address I'd added when I signed up. 

On XX/XX/XXXX I tried to log into my XXXX account, and saw that it was " Temporarily Locked ''. The website said to call in order to unlock it so I did. I gave all my identifying information, and they requested that they mail me an affadavit of identity, have it notarized, and then for me to mail it back to them. I'd asked them to just send me the money back, but they refused. 

On XX/XX/XXXX, I called XXXX again as I still hadn't received a letter. They assured me that the form would take 7-10 business days to mail to me. I asked them what address they'd mailed the letter to and they confirmed they mailed it to my home address ( below, I describe how I was told something different by another agent ). 

On XX/XX/XXXX, I called XXXX again as it had been 10 business days. I also noticed in my email that after my call on XX/XX/XXXX, I received an email saying my account had been closed ( even though my money was not returned to me ). I asked about this and received 0 information. I asked again about the letter they were supposed to send me, and they had said that they sent it to an address which was not my home address ( it was an address that did not exist, perhaps a result of them having the wrong address for me originally on file ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Telerecovery Corporation
State: LA

Complaint narrative:
This hospital was sent to collection and now is on my credit report.Which hospital bills are not to be reported on your credit and goes against HIPPA law .I will like for this account o be removed immediately following investigations

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 2022-11-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act CAPITAL ONE Account # XXXX, has violated my rights. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint on.Act 15 USC 1681 Section 602, 604, 15 US Code 1681A, 1666B

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 2022-11-20 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681. 

XXXX  account # XXXX XXXX XXXX XXXX Has violated my rights. 

XXXX account # XXXXXXXX XXXX XXXXXXXX Has violated my rights. 

XXXX  account # XXXXXXXX XXXX XXXX XXXXXXXX Has violated my rights. 

XXXX account # XXXX XXXX XXXXXXXX XXXX XXXX Has violated my rights. 

XXXX account # XXXX XXXX XXXXXXXX Has violated my rights. 

XXXX  account # XXXXXXXX XXXX XXXX XXXX  Has violated my rights. 

XXXX account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX Has violated my rights. 

Also 15 u.s.c.1681 section 602A states I have a right to privacy.

15 u.s.c. 1681 section 604A section 2 ; It also states that a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c 1681c ( a ) 5 ; No consumer reporting agency containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antidotes the report by more than 7 years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
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

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 2022-11-20 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
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

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