vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: AZ

Complaint narrative:
I was defrauded by unknown persons operating through the unlicensed financial brokerage platform XXXX, which solicited me to invest a substantial amount of money. All payments were made in way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial broker. Some transfers were made through my wallet hosted by www.kraken.com. I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind XXXX. Based upon the understanding that www.kraken.com is acting compliant and will provide the due care towards its own wallet- holders, my legal representatives from XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a relevant request for provision of information to XXXX. Unfortunately, as of the date of this complaint, www.kraken.com has provided neither me nor my legal representatives with the requested information even though we have sent several follow-ups. By ignoring my request, www.kraken.com failed to provide the required information about the XXXX hosting the beneficiary wallets, where I have made a series of transactions to, respectively information that the beneficiary wallets were not hosted by a XXXX. By so doing, www.kraken.com does not refer to specific legal grounds, which justify their decision not to provide the required information. In my opinion, the lack of response from www.kraken.com represents a clear example of the mistreatment of my consumer rights as a consumer.

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 2024-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
1. On XX/XX/XXXX I sent XXXX XXXXXXXX a letter opting out of reporting on one account and opt out of reporting utilization on another. They have failed to respond. As a federally protected consumer, I have the right to opt out per 15 USC 6802. According to 12 CFR Part 1001, the Consumer Financial Protection Bureau ( CFPB ) is mandated to enforce federal consumer financial laws, ensuring the protection of consumers in financial transactions. This is also found in 15 usc 6805. 

2.By XXXX  XXXX still reporting to third parties AGAINST my consent. Its a violation of my privacy. The Privacy Act of 1974, specifically under USC 5 U.S.C. 552a and 34 CFR Part 99.. This action violates the privacy protections outlined in the Privacy Act, which governs the collection, use, and disclosure of personal information.

3. A consumers right to opt out is found 12 CFR Part 1016. 

4. XXXX XXXX duties according to 16 CFR Part 660 to report accuracy, completeness and integrity of information furnished to consumer reporting agenciesXXXX XXXX XXXX has labeled this debt as charged off. A charge off is labeled as a certificate of indebtedness and is technically INCOME per the IRS Publication 4681 ( " Canceled Debts, Foreclosures, Repossessions, and Abandonments '' ). Income is NOT reportable and must be removed.

5. Please refer to the letter attached for more laws and violations.

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 2024-07-06 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: IN

Complaint narrative:
1. On XX/XX/XXXX I sent XXXX XXXXXXXX a letter opting out of reporting on one account and opt out of reporting utilization on another. They have failed to respond. As a federally protected consumer, I have the right to opt out per 15 USC 6802. According to 12 CFR Part 1001, the Consumer Financial Protection Bureau ( CFPB ) is mandated to enforce federal consumer financial laws, ensuring the protection of consumers in financial transactions. This is also found in 15 usc 6805. 

2.By XXXX XXXXXXXX still reporting to third parties AGAINST my consent. Its a violation of my privacy. The Privacy Act of 1974, specifically under USC 5 U.S.C. 552a and 34 CFR Part 99.. This action violates the privacy protections outlined in the Privacy Act, which governs the collection, use, and disclosure of personal information.

3. A consumers right to opt out is found 12 CFR Part 1016. 

4. XXXX XXXX duties according to 16 CFR Part 660 to report accuracy, completeness and integrity of information furnished to consumer reporting agencies. XXXX XXXXXXXX has labeled this debt as charged off. A charge off is labeled as a certificate of indebtedness and is technically INCOME per the IRS Publication 4681 ( " Canceled Debts, Foreclosures, Repossessions, and Abandonments '' ). Income is NOT reportable and must be removed.

5. Please refer to the letter attached for more laws and violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

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

I demand the late payment reported to be removed/updated.

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

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

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

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

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 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

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

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

I demand the late payment reported to be removed/updated. 

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

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

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

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

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 2024-07-06 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: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
On XX/XX/XXXX I sent OLLO CARD SERVICES a letter opting out of reporting. Its been over a month and they are still reporting. As a federally protected consumer, I have the right to opt out per 15 USC 6802. According to 12 CFR Part 1001, the Consumer Financial Protection Bureau ( CFPB ) is mandated to enforce federal consumer financial laws, ensuring the protection of consumers in financial transactions. This is also found in 15 usc 6805.

By OLLO CARD SERVICES still reporting to third parties AGAINST my consent. Its a violation of my privacy. The Privacy Act of XXXX, specifically under USC 5 U.S.C. 552a and 34 CFR Part 99.. This action violates the privacy protections outlined in the Privacy Act, which governs the collection, use, and disclosure of personal information.

A consumers right to opt out is found 12 CFR Part 1016.

OLLO CARD SERVICES duties according to 16 CFR Part 660 to report accuracy, completeness and integrity of information furnished to consumer reporting agencies. OLLO CARD SERVICES has labeled this debt as charged off. A charge off is labeled as a certificate of indebtedness and is technically INCOME per the IRS Publication 4681 ( " Canceled Debts, Foreclosures, Repossessions, and Abandonments '' ). Income is NOT reportable and must be removed. 
Please refer to the letter attached for more laws and violations.

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 2024-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XX/XX/XXXX I sent XXXXXXXX XXXX XXXX a letter opting out of reporting. Its been over a month and they are still reporting. As a federally protected consumer, I have the right to opt out per 15 USC 6802. According to 12 CFR Part 1001, the Consumer Financial Protection Bureau ( CFPB ) is mandated to enforce federal consumer financial laws, ensuring the protection of consumers in financial transactions. This is also found in 15 usc 6805. 

By XXXX XXXX XXXX still reporting to third parties AGAINST my consent. Its a violation of my privacy. The Privacy Act of XXXX, specifically under USC 5 U.S.C. 552a and 34 CFR Part 99.. This action violates the privacy protections outlined in the Privacy Act, which governs the collection, use, and disclosure of personal information.

A consumers right to opt out is found 12 CFR Part 1016. 
XXXXXXXX XXXX XXXX duties according to 16 CFR Part 660 to report accuracy, completeness and integrity of information furnished to consumer reporting agencies. XXXX XXXX XXXX has labeled this debt as charged off. A charge off is labeled as a certificate of indebtedness and is technically INCOME per the IRS Publication 4681 ( " Canceled Debts, Foreclosures, Repossessions, and Abandonments '' ). Income is NOT reportable and must be removed. 
Please refer to the letter attached for more laws and violations.

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 2024-07-06 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: IN

Complaint narrative:
On XX/XX/XXXX I sent XXXXXXXX XXXX XXXX a letter opting out of reporting. Its been over a month and they are still reporting. As a federally protected consumer, I have the right to opt out per 15 USC 6802. According to 12 CFR Part 1001, the Consumer Financial Protection Bureau ( CFPB ) is mandated to enforce federal consumer financial laws, ensuring the protection of consumers in financial transactions. This is also found in 15 usc 6805. 

By XXXXXXXX XXXX XXXX still reporting to third parties AGAINST my consent. Its a violation of my privacy. The Privacy Act of XXXX, specifically under USC 5 U.S.C. 552a and 34 CFR Part 99.. This action violates the privacy protections outlined in the Privacy Act, which governs the collection, use, and disclosure of personal information.

A consumers right to opt out is found 12 CFR Part 1016. 
XXXXXXXX XXXX XXXX duties according to 16 CFR Part 660 to report accuracy, completeness and integrity of information furnished to consumer reporting agencies. XXXX XXXX XXXX has labeled this debt as charged off. A charge off is labeled as a certificate of indebtedness and is technically INCOME per the IRS Publication 4681 ( " Canceled Debts, Foreclosures, Repossessions, and Abandonments '' ). Income is NOT reportable and must be removed. 
Please refer to the letter attached for more laws and violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: IN

Complaint narrative:
On XX/XX/XXXX I sent XXXX XXXX XXXX a letter opting out of reporting. Its been over a month and they are still reporting. As a federally protected consumer, I have the right to opt out per 15 USC 6802. According to 12 CFR Part 1001, the Consumer Financial Protection Bureau ( CFPB ) is mandated to enforce federal consumer financial laws, ensuring the protection of consumers in financial transactions. This is also found in 15 usc 6805. 

By XXXXXXXX XXXX XXXX still reporting to third parties AGAINST my consent. Its a violation of my privacy. The Privacy Act of XXXX, specifically under USC 5 U.S.C. 552a and 34 CFR Part 99.. This action violates the privacy protections outlined in the Privacy Act, which governs the collection, use, and disclosure of personal information.

A consumers right to opt out is found 12 CFR Part 1016. 
XXXX XXXX XXXX duties according to 16 CFR Part 660 to report accuracy, completeness and integrity of information furnished to consumer reporting agencies. XXXX XXXX XXXX has labeled this debt as charged off. A charge off is labeled as a certificate of indebtedness and is technically INCOME per the IRS Publication 4681 ( " Canceled Debts, Foreclosures, Repossessions, and Abandonments '' ). Income is NOT reportable and must be removed. 
Please refer to the letter attached for more laws and violations.

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 2024-07-06 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: CA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

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 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: FL

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$340.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} FXXXX XXXX XXXX  Balance Owed : {$850.00}

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 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$340.00} XXXX XXXX Balance Owed : {$850.00} XXXXXXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$850.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP
State: OH

Complaint narrative:
In XXXXXXXX XXXX XXXX my key bank credit card was closed at the company discretion. Since then this company has reported inaccurate information on my credit report. On XXXX XXXX credit report it is reporting that my account is open, when I fact it has beeen closed for months. Also it is reporting that my last payment was XX/XX/XXXX, but at the same time reporting that I missed XXXX payment and was 30 days late, while reporting that the last report date is XX/XX/year>. All while this account is closed. On XXXX its reporting that it last reported XX/XX/year>. It also shows no payment history whatsoever, states a different balance and that my status is current with no late payments, but also still reports as open. On experian it reports that last report date is XX/XX/XXXX, that I am current with no missed payments, but that my last payment was XX/XX/XXXX and that the account is still open. Also with a different balance. This has had a negative effect on my credit report due this credit card inaccurate reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
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. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have tried to contact XXXX XXXX XXXX for months by mail no response, there is no available phone numbers. I would like to know how can Credit bureaus FURNISHER investigate reports ACCURACY if the company does not have available phone numbers doesn't respond by mail.

Company response to consumer: Closed with explanation