vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd

Complaint narrative:
XXXX, XX/XX/XXXX Dear Sir/Madam, I need your help. 

XX/XX/XXXX, I fell victim to a multilayered scam operation by XXXX. The company offered investment services that aim is robbing and defraud clients. I lost XXXX, XXXX USD which was transferred from my wallet utilizing their services. 

XX/XX/XXXX : My first telephone contact with the investment manager and cryptocurrency broker XXXX XXXX and the security officer XXXX XXXX XXXX at XXXX. XXXX XXXX XXXX showed me the broker check at XXXX - that both he and XXXX XXXX were registered there. After several phone calls, answers to my questions, and a homepage check I didnt find anything suspicious ; the company seemed to be in order. 

XX/XX/XXXX : Opened an account with XXXX for bitcoin trades. 

XX/XX/XXXX : My first transaction from my bank XXXX, XXXX XXXX XXXX to XXXX ( Attached file : XXXX XXXX ) ( Attached file : XXXX XXXX ) XX/XX/XXXX : My second, and last, transaction from my bank XXXX, XXXX XXXX XXXX, to XXXX. 
( Attached file : XXXX XXXX ) ( Attached file : XXXX XXXX ) XX/XX/XXXX : The cryptocurrency broker XXXX XXXX reported an unreal profit which made me understand that something was wrong. 
( Attached file : XXXX XXXX ) XXXX XXXX : I tried to withdraw my invested money from my account at XXXX but found out the funds were stolen. 
( Attached file : XXXX XXXX ) XX/XX/XXXX : A police report was filed, by me, against the company XXXX. ( Attached file : Police report ) XX/XX/XXXX : Sent an ADR Protocol Letter to XXXX anXXXX XXXX 
( Attached file : XXXX XXXX Letter to XXXX ) ( Attached file : XXXX XXXX Letter to XXXX ) XX/XX/XXXX : Answer from XXXX ( Attached file : XXXX answer ) XX/XX/XXXX : Sent a Dispute Letter to XXXX. 
( Attached file : Dispute Letter to XXXX ) XX/XX/XXXX : Answer from XXXX ( Attached file : Wises answer ) XX/XX/XXXX : Sent Police report to XXXX ( Attached file : Copy of sent email ) XX/XX/XXXX : Confirmation from XXXX ( Attached file : Confirmation of receiving my email XX/XX/XXXX : Sent a Rebuttal Letter to XXXX. 
( Attached file : XXXX XXXX to XXXX ) I have tried to get help from XXXX and XXXX without any success. Can you please help me? 


Kind regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting Act ; I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported other than my legal name : FIRST AND LAST NAME, DELETE NOW name identification number # XXXX and XXXX on EXPERIAN reported as of XX/XX/2022 ; or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.These inaccurate names violate my federal protected rights, FACT ACT TITLE 1 SEC. 151 and confidentiality under 15 USC 1681. Additionally, 15 USC 1681 604A Section 2 states a consumer reporting agency can not furnish 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 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the fair credit reporting act XXXX  XXXX Bankruptcy Reference number XXXX have violated my rights XXXX XXXX Account number XXXX have violated my rights XXXX XXXX Account number XXXX have violated my rights XXXX XXXX Account number XXXX have violated my rights XXXX XXXX Account number XXXX have 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 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 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XXXX XXXXXXXX XXXX, XXXX AM I received a email from a copy named XXXX. I attached a screenshot of the email. The company states that I applied for a loan with there company. I DID NOT APPLY FOR A LOAN WITH XXXX XXXX  XXXX!!!!!! Notice what the letter says. -- - " Loans originated through the XXXX XXXX are underwritten and made by XXXX, XXXX XXXX XXXX, UT, member FDIC. XXXX is providing this notification to you on behalf of XXXX. '' " Please contact XXXX at the address shown below if you have any questions about this letter : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX I DID NOT GIVE XXXX XXXX PERMISSION TO PULL OR LOOK AT MY CREDIT REPORT. I DID NOT APPLY FOR A LOAN WITH PXXXX 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 2022-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
We have reached out to the carrier USPS in regards to this missing item. ( The lamps for {$300.00} from XXXX I was eventually transferred to a supervisor who advised me that although the package was marked as delivered they could not provide me with the geotracking information to prove this. I was also told that because of seasonal workers ( temporary workers that were new to the company ) it was likely that my package was lost or accidentally delivered yo the wrong address. 

I was security camera footage from the front of my house and my porch and I can provide proof that no one came during the entire day USPS claimed the package was delivered. 

I have tried to work out the issue with my merchant many times Ive also contacted the carrier who admitted the package was most likely lost or delivered to the wrong address. We will sign any legal document stating that these facts are true. 

We contacted HSBC who DENIED our claim. I believe we contacted them around mid XXXX. They were extremely rude, with one agent yelling at me accusing me of being a lying woman who just wanted the item for free. I was SHOCKED and sickened. We have never disputed fraud with this bank EVER before this never late on a payment. They also lowered my credit limit down from {$8000.00} to only {$500.00} as a result of this. 

Please assist us in this matter we spent a lot of money and never received the product we ordered. Its not right and weve tried to do everything the right way to resolve this issue. 

We expect to receive the full credit of {$300.00} since we NEVER received the items and we have video proof of this. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 
XXXX XXXX, XXXX XXXX ****, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX, US DEP ED XXXX, US DEP ED XXXX, XXXX Original Creditor : ) XXXX XXXX AES/NVI/JT  XXXX, XXXX XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED 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 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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. 
XXXX XXXX, XXXX XXXX ****, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, US DEP ED XXXX, XXXX DEP ED XXXX, XXXX Original Creditor : ) XXXX XXXX XXXX  XXXX, XXXX XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX, MD Child Support Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX have 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. also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

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. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
See previously closed CFPB complaint - XXXX - that was closed without a satisfactory resolution. I am still owned {$72.00} in overdraft fees that should not have been charged. I have supplied my " actual '' records, detail and bank statements verifying my checking out balances at the time the overdraft fees were incorrectly charged.

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 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX these companies completed Hard Inquiries on my account, has violated my rights. I did not authorize these inquiries and want them removed. 

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. 

XXXX XXXX XXXX- XXXX, XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
I spent several my citi credit cards to purchase some jade jewelry since last XXXX. Then, early XXXX this year, I sent some my jade jewelry to XXXX XXXX lab office in New York which is XXXX of the best gem lab in the world. Their reports showed all my jade jewelry are faked and dyed with color. 
So I contacted with the seller in XXXX. The seller promised to exchange them. Then I shipped them back. However, I have been waiting for several months for the exchangXXXX. Since XXXX is under the lockdown. The seller doesn't keep her promise to ship back the exchange. I get quite bit loss. 
I planned to dispute my credit card through citi and they don't deal with the deal over 4 months. I feel very frustrated and disappointed.

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 2022-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: RI

Complaint narrative:
Multiple fraudulent transactions, months of unauthorized access to my account and information. Refusal to reimburse fraudulent charges, refusal to submit investigation information, refusal to follow cfpb ftc and fdic laws, Lies submitted to cfpb regarding resolution that was never upheld. Failure of the cfpb to take corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Im accordance with the fair credit reporting act. The list of accounts below violated federally protected consumer right to privacy and confidentiality under 15 USC 1681.

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 XXXX  XXXX XXXX XXXXXXXX auto sales XXXX  card services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Hello, I stopped using a barclays jet blue MasterCard over two years ago. The card at the time i used it carried no fees. 

Ive received no bills, in paper, or electronically from barclays for over two years. 

Through using XXXX, I discovered that my credit score dropped over XXXX points due to unpaid bills from barclays.

I called barclays and explained that I hadnt use the card in two years and thus had no idea what the charges could be from. They explained that they had this year instituted a {$40.00} annual fee.

Because I had received no bills, the city remains unpaid, for two months, and was reported as a delinquent payment.

I explained that I had received no bills, and they vowed to take it off my credit score. However, I am concerned that this happened in the first place. 

I need to make sure that the bogus late payments are removed from my credit score. Thanks so much

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 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have attached my most recent TRANSUNION credit report. The Fair Credit Reporting Act clearly states that the consumer credit reporting agencies must report accurate information about all consumers. Transunion CHECK the address that this furnisher is reporting. This is inaccurrate. I do not have a previous address with this XXXX XXXX XXXX NORTH CAROLINA

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 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of Accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681. 
XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX Reference # XXXX XXXX Reference # XXXX 15 U.S.C. 1681 Section 602 A States I have a 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. 

XXXX5 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 which antedates the report more than seven years. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting Information with actual knowledge of errors.

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.

( a ) ( 1 ) ( B ) Reporting Information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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