vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This company has sent me information that has an address I've never been associated with, or have any knowledge of the address they have on file. This account is unverifiable also Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be deleted immediately. 

Name of Account Account Number Provide XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account & Wrong Information Thank You,

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 2022-09-27 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: MD

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-27 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: UT

Complaint narrative:
XXXX. They failed to acknowledge my attached letter request. Their response was invalid because they never bothered to read my letter. That's critical when requests are sent in. I tried dealing with them directly but they continue to blow off consumers and refuse to acknowledge any requests submitted to them. Their fake response doesn't do squat for me or the issues I asked them to address. They should read it! 

XXXX. XXXX account was not closed in XXXX, it was closed sooner than that by me prior to it being charged off. This expiration date needs to be back dated to an accurate date. If it stays on longer I will sue XXXX, XXXX and Experian. 

XXXX. They continue to keep putting old addresses on my report that don't exist anymore. Not sure why but it needs to be removed period!

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 2022-09-27 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: MD

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-27 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: CA

Complaint narrative:
This is my 2nd letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX - XXXXXXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXA XXXX XXXX XXXX Filed : XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27 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: CA

Complaint narrative:
This is my 2nd letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX  XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX - XXXX SERVICE XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX BANK XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX  CA XXXX XXXX XXXX Filed : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: FL

Complaint narrative:
On XX/XX/XXXX I requested for Edfinancial to refund me my student loans, per the CARES act. They did not provide any type of nonverbal confirmation of my request, and stated that it could take over 160 days, but with no specific timeline, which in either case is significantly longer than competitors processing time of around a week or two. I would like for my student loans to be refunded in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Today looked at my checking and savings account and they said blocked. I had no notification and chatted their system online. I called the customer service line and they put me on hold, came back told me my account was closed couldnt give me any other information and said they were disconnecting. Then I called back and then the person took my information never came back to the phone. Then called a 3rd time and was told that they closed my account and I would receive a letter in the mail with more detail and would receive a check 30-60 days out. I explained how I'm not okay with this because it's my life savings and $ XXXX. They said there was nothing they can do. I then chatted their system online and they said that it was " blocked not closed '' and they would fix this and that the people over the phone shouldn't be saying that ( I've attached the images ). 
I then talked to someone over the phone that seemed actually really helpful. They said the same thing and talked to their team and then verified a XXXX  transfer I made from XX/XX/XXXX to a XXXX  account I have. They said that was the issue, now I could call XXXX and open a new account and have my funds transferred immediately to those accounts. 
I called and explained to that person and they said my account said only to in person branch, the nearest in person branch is in XXXX and it's a 4 hour drive from where I live. They said they couldn't do anything and then I asked to talk to a supervisor. They transferred me over to a fraud supervisor ( employee ID : XXXX ) and he said his name was XXXX and the only option was to go to the branch. I said I couldn't do that and I would keep trying to find other alternatives. He was not helpful at all and said that it was closed and I would receive a letter and check 30-60 days.

I called back to customer services which I've been on with all day and I'm still on hold because they said the only option now is to wait the 30-60 days to receive a check, I feel like after I called many different people they really changed my options. I've heard so many different things and feel like I've been given options and then them taken away. There is no fraud, everything I've done was legal and I can't wait for that long to have my life savings by check in the mail. 

How would you feel if you had hundreds of thousands in an account and no one would tell me anything about my funds and I would receive a check in the mail in 30-60 days. Im just supposed to sit here and hope and wonder when I get a large amount of my money?

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 monetary relief
Consumer complaint received 2022-09-27 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: MD

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: NC

Complaint narrative:
This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance Owed : {$5300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Identity Fraud and Stolen Accounts

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 2022-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
On or around XX/XX/2021 I fell victim to scam operations run by XXXX XXXX which involved me making deposits for a total amount XXXX XXXX from my XXXX XXXX XXXX XXXX wallet accounts to Kraken at the instruction of the scammers. 
Given that their client owner of wallet :. XXXX Was an active participant in the movement of my money, which eventually ended up wth the company, Kraken have not exercised their duty to identify this suspicious scheme in a timely manner. 
Kraken should have reported this activity as it no doubt involved money laundering. 

When I sent a complaint to Kraken they would not take any action and told me to file a police report and ask law enforcement officials responsible for this investigation to contact them directly. I am therefore doing so and ask your assistance in resolve this issue. 
I am available to provide more information as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/2022 I sent Capital One a debt validation letter, and the 30 days came and went without a response. On XX/XX/2022 I put in for a credit increase on my person Capital One platinum card in which I got an increase from $ XXXX {$1300.00} and on my business Spark card and was denied. Now on XX/XX/XXXX Capital One because I tried to use my personal card and it was denied twice, so I called Capital One and no one could explain to my accounts, keep in mind tht also asked to speak to a supervisor and which this person told me my account was closed due to the activity on this account or a different one which it didn't meet there expectations. Clearly this is a case of adverse action due to the debt validation letter I sent in on XX/XX/XXXX. This has had me not being able to pay my bills due to the adverse action cause they couldn't tell me why my accounts were closed. Adverse actions are AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1692k. They are also in violation of 15 US code 1642 U.S.C. 1681m and 12 cfr1002 because I the consumer made an application in good faith but credit was not issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On the XXXX XXXX I sent an international wire from my bank ( XXXX XXXX ) in XXXX to Chase Bank here in the XXXX. The money never arrived. XXXX sent me a receipt and charged me for the transfer. Chase stated it had never arrived. I have communicated with both banks at least half a dozen times to confirm by secure message and by phone. Both banks asking me to confirm with the other or initiate an investigation. This I have done. XXXX- " I can confirm that a trace was raised on XX/XX/2022 regarding the payment of $ XXXX that left your account on XX/XX/2022, and Chase Bank confirmed to us on XX/XX/2022 that the funds had been received and applied to the beneficiary account. The response we received stated We refer to our debit to your account dated XX/XX/2022 under reference XXXX for USD XXXX. Please be advised that the funds are credited to beneficiary on XXXX XXXXXXXX XXXX for XXXX USD under XXXX XXXX XXXX as per GPI tracking. This message is signed from the Payment Investigations department. 
Chase throughout maintain ignorance of the above notice and nothing has been received from XXXX into my account and the reference numbers I have supplied ( see note above ) mean nothing to them. I had a meeting in my local Chase branch in XXXX XXXX and conferenced with the wire department who verified the ref numbers I was supplying mean nothing, Both banks claim the responsibility is with the other bank. This is my pension money and although not a huge amount I can not afford to let it disappear and thank goodness it wasn't a large amount of my savings. What can I do as both banks are now just repeating their non responsibility. Are wires not insured in any way? What can I do please advise. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my right.

Company that being reported : Capital One 15 USC 1681 Section 602 states I have right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation