vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On XX/XX/year>. XXXX XXXX  reported a XXXX XXXX Card to my Experian Credit File which I no way requested. I watch this regularly and found this issue timely. I started a dialog with XXXX. I worked with an investigator who was professional but ultimately unable to resolve the issue. Each time I called I had a higher burden of identification, starting simple with address, name on account and so on. This escalated until ONLY my SSID and birthdate would suffice. Note also that they never provided me an account number only a partial one that they would never acknowledge. I explained as plainly as I could that I have no real idea who I am speaking to and not inclined to provide this highly confidential info while I am already a target of fraud. They indicated to have the activity removed they require a high burden of documentation including a police report. They would not help with this nor did they seem to acknowledge any responsibility. I finally agreed to do that and provided the information timely. That is when I made my final call to verify docs were received. What transpired next made me uncomfortable. During each call I got a notification that the call is being recorded. Not a problem, however, by now I have lost faith so I indicated to the agent at XXXX that I am ALSO recording the discussion which I was. She indicated that while she is recording she can not continue the discussion if I am recording. At that point I told her we had reached an impasse, that I would not call back, and I disconnected the call. This activity is still on my credit report at this time. I firmly believe that this has something to do with the fact that if they can keep this on my report it won't end up on their report ( which is where it needs to be ). I wish I could attach the police report, however I sent it to truist and I am not inclined to retrieve another one.

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 2024-06-12 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: NY

Complaint narrative:
I am writing to notify you of incorrect information on my credit report, which I am disputing under the Fair Credit Reporting Act. The following accounts have breached my federally protected consumer rights to privacy and confidentiality as outlined in 15 U.S.C. 1681 : According to 15 U.S.C. 1681 section 602 ( a ), I have the right to privacy. Furthermore, 15 U.S.C. 1681 section 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not provide account information without my written consent. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) states that no consumer report may include adverse information that is more than seven years old, excluding criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits any person from furnishing inaccurate information to a consumer reporting agency. 
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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with section 4021 of the cares act my account was not recorded as current while making accommodations with my creditor on paying payments late. I have wrote multiple letters to the creditor as well as to the credit bureaus on rectifying this problem. All payments on the installment loan from Capital one from the day of XX/XX/XXXX to XX/XX/XXXX should be marked as paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: IN

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 2024-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-06-11 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I have contacted Marcus Goldman Sachs in regards to a account that was opened under my name with their company. I have provided multiple documents in regards to this issue. INCLUDING a police report from XXXX, that I have went out of my way to receive again, from when my vehicle was broken into in the city of XXXX and not only were my personal items stolen but my my XXXX wallet including all of my personal information were stolen as well. This incident has been documented with the XXXX police department and even my auto Insurance.

I have provided documentation of that incident and also documentation of a recent police report filed once I became aware of closed fraudulent account reporting on my credit profile.

Marcus Goldman Sachs has not only failed to keep me updated on the status of the cases I have put in with in regards to this horrible situation but also have handled this situation carelessly. After all the governmental documentation sent over to help with this fraud and identity theft committed against me when my information and items were stolen in XXXX  they have still neglected to remove me from connection to this account. 
They have failed to communicate with me properly or even provide evidence of there validation making me liable for this fraudulent account. 
The way this has been handle is very unjust, I feel discriminated against. I feel defamation of character.

According to the fair credit reporting act when a consumer reporting agency prepares a Consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I am a victim of identity theft and I never opened this account under account number # XXXX You are now in violation of FCRA code 605B stating to Block of information resulting from identity theft [ 15 U.S.C. 1681c-21 ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identities as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- appropriate proof of the identity of the consumer.

a copy of an identity theft report.

the identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
XXXX  Account Number- To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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 examining my recent credit report, I found discrepancies that need immediate attention, particularly with the following accounts : XXXX XXXXXXXX XXXX XXXX and would fix it. Please correct and update! 
XXXX - XXXX XXXX. 
The companies have acknowledged these errors and committed to updating the status to open/never late. Other credit bureaus have already corrected the status of these accounts after the companies recognized the inaccuracies. 

I kindly request a thorough investigation into these accounts and timely communication of the findings via postal mail. Based on online information, such disputes should be resolved within 30 days, so I expect your response within this timeframe. 
XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX.

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 2024-06-11 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: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase 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 2024-06-11 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: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase 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 non-monetary relief
Consumer complaint received 2024-06-11 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: IN

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the FCRA, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1581. 

Account Name : XXXX  XXXX I looked at me Equifax credit report today, XX/XX/2024 and notice this information is incomplete and not accurate. According to the FCRA, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum accuracy of the informatioon whom the report relates to, according to 15 USC 1581 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Aand according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To whom it may concern the violating my rights and Im a victim my identity Consent to any one of these companies and please verify a signature on the document.

1681b. Permissible purposes of consumer reports A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena XXXX issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer.

These are a list of all 8 false accounts or close accounts affecting me for pursuing and achieve better in my life. Theyre all closed and I dont recognize. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Accscient, LLC
State: TX

Complaint narrative:
The company kept calling my family and threaten to come to my job and house to collect a debt that they have no contract for. After speaking to one of the representatives, he was extremely rude and would not give me any information regarding a contract.

Company response to consumer: Untimely response
Consumer complaint received 2024-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase informed me that they have restricted and probably will close all 3 bank account.

When I tried to get information the branch explained they cant tell me. The service number the same. 
Its unbelievable, that one of Amerika largest banks can handle there customers like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: CT

Complaint narrative:
I have repeatedly contacted your bureau regarding my identity theft status, but my concerns remain unresolved. Despite submitting the required FTC complaint, your bureau still reports these fraudulent accounts on my credit report. I have contacted the banks involved, submitted all necessary documents, and they have deleted the accounts from their records. 

Other credit bureaus have also removed these accounts following the FTC complaint. Therefore, I question the verification process your bureau used to continue reporting these fraudulent accounts. Once again, I am disputing the fraudulent information negatively affecting my credit file. 

XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX.

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: TX

Complaint narrative:
On XX/XX/year> I opened a kraken account and verified all my information. After I was fully verified and had the maXXXX level to buy and sell, I decided to purchase XXXX using their ACH deposits. I had no issue depositing the first {$15000.00} and then withdrawing it. Then I did another {$15000.00} deposit but this time when I was going to withdraw, kraken block my account and I contacted support and ask whats wrong. They said they needed more information, and they told me to write on a piece of paper with all the necessary steps and a selfie holding my ID. I did all that they ask but then they closed my account down while my funds are still in their possession. Not only that, that took another {$6000.00} from my bank on XX/XX/XXXX after my account with them was closed. Then they replied to me saying I needed to provided my bank statements. I told them that the bank statement for this month has not generated yet and I could not provide that and also thats too personal. It has all my banking information and I dont feel comfortable. They said after XXXX of the XXXX  they would response. Its been over 3 days now and I have not gotten a response. They are currently holding {$15000.00} of mine and charged another {$6000.00} and wont reply to me. I did nothing wrong

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