vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute several hard inquiries on my credit report that were not authorized by me, including multiple closed accounts that are still being reported. These inquiries have negatively impacted my credit score, and I seek immediate removal of these inquiries from my credit report. 

XXXX : reported closed accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : reported closed accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Experian : Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported closed accounts : 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 Hard inquiries : 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 explanation
Consumer complaint received 2024-07-23 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-23 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: FL

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.

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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have several inquiries reporting on my credit report that I did not authorize. I called the credit bureau to be placed on hold for over XXXX minute and then the line disconnected. 

These are the inaccurate inquires are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ADP Inc.
State: TX

Complaint narrative:
I recently put in a dispute that involved someone stealing my wisely card over the holidays this passing year while entertaining family in my home, I have not seen or used the wisely card since that time, someone has been and after going through the agency I had been working a side job at they told me they could terminate my employment but did nothing about the card being taken nor could they tell me where my funds were, I contacted wisely to finally get to the bottom of the situation about a week and 2 days ago and heard nothing back, i spoke with someone on the phone named XXXX and he told me they mailed a letter but when asked about the address he didn't even have the door number to the address they were supposed to send the letter dissmising me to, HOW would i have known anything with that kind of disregard and neglect in regard to my dispute, he failed to see the error in the agent i discussed the dispute with in the first place not even bothering to get the apartment number of the place i was staying in before going homeless a month ago, I was dismissed and you all have no compassion and had no intentions to give me back my savings that was stolen from me causing me to be jobless, homeless, and without a reliable phone even, I will not continue to be treated so poorly and do nothing about it because you all can't seem to sympathize with someone who has lost so much already, the least you all could do is issue my funds that I worked for, was frauded by the job and now you say you see no issue with someone stealing my funds, I have seen no proof or effort to provide any that I was the person spending the funds because I wasn't I would like access to atm and store footage showing that I XXXX XXXX withdrew or spent any money taken prior to XXXX This is the description of the dispute reasoning and no supervisor has contacted me they sent the paper work to an address i am not currently at and told me nothing i had to call and jump through hoops to even know they did not even honor my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Cascade CISS Holdings, LLC
State: FL

Complaint narrative:
I have no knowledge of ever making any application for cards

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/year> I XXXX, XXXX received a verifiable email from CAPITAL ONE bank stating my XXXX statement was ready. I never open any bank accounts with CAPITAL ONE ever!!! This was done without my knowledge, consent or permission. I called immediately to make them aware of this issue. I was told the account would be closed after I asked how it was ever opened in the first place

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining. 

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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: FL

Complaint narrative:
recently i looked at copy of my credit report and noticed several inaccuracies in my account this account is hurting my ability to obtain credit-bit is my understanding that you will investigate these items for me to ensure accuracy here is the item i am asking you verify as accurate PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY 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 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 2024-07-23 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: FL

Complaint narrative:
recently i looked at copy of my credit report and noticed several inaccuracies in my account this account is hurting my ability to obtain credit-bit is my understanding that you will investigate these items for me to ensure accuracy here is the item i am asking you verify as accurate PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XX/XX/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

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 2024-07-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
Starting back in XXXX TD bank did not process my payment from my bank for XXXX dollars when my balance was above XXXX dollars. After that i was unable to make any payments through TD bank and called for months to receive help I was able to make a payment on XX/XX/XXXX after talking to numerous agents and closing my account to get it handed off to third party credit services which apparently is TD bank Now they are claiming i am behind on my credit profile after i have been waiting for them to provide this form to me Upon calling customer service i get kicked out after about XXXX minutes of waiting so i cant even talk to someone

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Complaint against XXXX XXXX XXXX, XXXX and real XXXX Wells Fargo who collects my money via XXXX agreements with XXXX XXXX XXXX. First, I demand both Servicers to stop using artificial intelligence [ robots ] to respond my complaints. All responses filed with CFPB are computer generated runarounds which is unlawful under UCC ; R1002 and many other laws. According to these robots, here are numerous transactions labeled as non-recoverable which are not owed by me. Then by WHOM these " transactions '' are owed?

I demand to provide me direct contact information of an authorized individual employee of the Creditor who knows who paid for " non-recoverable '' transactions which calculated at nearly {$300000.00}, and how much was paid.

Also, please provide me direct contact information to the authorized employee of the Creditor to discuss my options under VA programs offered on XX/XX/year>.

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 2024-07-23 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: OH

Complaint narrative:
To whom it may concern, I recently obtained a copy of my credit report from Experian, and I noticed that it includes an entry regarding a bankruptcy filed under my name Account Number : XXXX I am formally requesting validation of this bankruptcy information, as I believe it is inaccurate. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request an investigation and validation of information reported on my credit report. 

Please provide the following : 1. Documentation verifying the bankruptcy filing.

2. Dates and details of the bankruptcy case.

3. Any other pertinent information related to this entry.

Attached to this letter, you will find copies of any relevant documents for your reference. I look forward to your timely response and resolution of 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 2024-07-23 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: MI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: MI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-23 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: Opportunity Financial, LLC
State: TX

Complaint narrative:
Im a victim of identity theft, I have an FTC report and a police report proving its not mines. XXXX XXXX is continuing to lie stating this account is mines. Ive uploaded proof numerous of times through XXXX XXXX removed blocked the account in XXXX, just for them to unblock it in XXXX  and say that they cant dispute it for fraud anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: TX

Complaint narrative:
Im a victim of identity theft, I have an FTC report and a police report proving its not mines. XXXX  XXXX is continuing to lie stating this account is mines. Ive uploaded proof numerous of times through Experian. Experian removed blocked the account in XXXX, just for them to unblock it in XXXX and say that they cant dispute it for fraud anymore.

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 2024-07-23 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: World Acceptance Corporation
State: TX

Complaint narrative:
Im a victim of identity theft, I have an FTC report and a police report proving its not mines. XXXX XXXX  is continuing to lie stating this account is mines. Ive uploaded proof numerous of times through XXXX. XXXX removed blocked the account in XXXX, just for them to unblock it in XXXX and say that they cant dispute it for fraud anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Payward Ventures Inc. dba Kraken
State: UT

Complaint narrative:
In XXXX XXXX, I was solicited by someone presenting themselves as representatives of XXXX XXXX XXXX  to invest money in financial services or products. This investment turned out to be unsuccessful and/or fraudulent and I lost a substantial amount of money. The total loss I experienced was {$55000.00}. 

I was solicited by someone presenting themselves as representatives of XXXX XXXX XXXX to invest money in financial services or products. This investment turned out to be unsuccessful and/or fraudulent and I lost a substantial amount of money. All payments to XXXX XXXX XXXX were made in the way of cryptocurrency ( crypto ) transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial broker. All such transfers were made through my wallet hosted by Kraken. I consider the beneficiary wallets being an integral part of the fraudulent scheme behind XXXX XXXX XXXX. I also know that under the so-called travel rule, virtual assets services providers ( XXXX  ) are put under certain obligations, which include collection and keeping record of information about the beneficiary wallets, especially about if the beneficiary wallet is hosted ( including the hosting exchange ) and/or if the beneficiary wallet is unhosted. Based upon the understanding that Kraken is acting compliant and will provide the due care towards its own wallet-holders ( such as me ), I have send a relevant request for provision of information ( Attachment called " XXXX XXXX XXXX XXXX Letter of Demand to Kraken ( XXXX ) '' and " XXXX XXXX XXXX XXXX XXXX Against Kraken ( CFPB ) '' ). Such letters were solely based upon the assumption that : ( a ) Kraken should have collected the requested information as a part of their regulatory obligations ( if it has acted XXXX as it declares and advertises ) ; ( b ) neither part of the information requested is considered confidential and is not protected under any law ( it does not qualify under any rules as personal information ) ; and ( c ) I have justified legal interest to have knowledge about the beneficiary wallet holder and about the crypto exchanges that possibly hosted wallets, to which I made transactions. 

As a matter of fact, said letters are requesting information ONLY about the name of the beneficiary person and the location ( hosting entities ) of the beneficiary wallets where I have transferred crypto from my Kraken hosted wallet. It is based upon the travel rule requirements imposed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( v. XXXX ). With slight deviations in the thresholds and the required information to be recorded, similar regulations are adopted by XXXX, XXXX, and XXXX. Unfortunately, Kraken failed to provide a response to my justified request.

Company response to consumer: Closed with explanation