vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/XXXX, I checked my US Bank XXXX app. I noted that there were two sizable withdrawals that I did not authorize from my checking account XXXX account number ending in XXXX ). One was in the amount of {$10000.00} and the other was in the amount of {$7500.00}. I called the XXXX number on the back of my US Bank debit card and spoke with a representative. The representative told me that she would make notes and start an investigation but I would need to call the US Bank fraud liaison department ( XXXX ) the next morning ( XX/XX/XXXX ). The following day I called the US Bank fraud liaison number and was on hold for almost 45 minutes and did not speak with anyone. I drove to one of the local US Bank branches located at XXXX XXXX XXXX XXXX, XXXX, Missouri XXXX. I met with worker XXXX XXXX and explained my situation. XXXX XXXX had my wife and I sign affidavits attesting that neither of us authorized anyone to withdraw these sums of money. XXXX XXXX also had my wife and I sign a customer statement. The branch manager told us that she received information that the US Bank location where the withdrawals occurred was in XXXX, Ohio XXXX XXXX XXXX XXXX XXXX ). 

My wife and I have called and spoken with the US Bank Fraud Liaison center almost ten times and we keep getting the runaround and different answers about the circumstances of what happened, how long investigation with take, whether a provisional credit for our funds can be issued, what documents my wife and I need to submit to US Bank to assist investigation, etc. 

On the day that the withdrawals were made, I was working in XXXX, Oklahoma and my wife was working at her job in XXXX, Missouri. Apparently the person or persons who withdrew the money used an identification in the name of " XXXX XXXX. '' XXXX was my spouse 's maiden name, but she has not used that last name or identification with that last name since XXXX of XXXX, which is when we became married. 

On XX/XX/XXXX, my wife and I also filed a police report with the XXXX Police Department ( Case Number XXXX, report taken by Police XXXX XXXX, XXXX XXXX, XXXX, extension XXXX, XXXX XXXX. 

To this date, the funds have not been returned to my account by US Bank. 

Any assistance would be greatly appreciated.

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 2021-07-19 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: MO

Complaint narrative:
Someone mugged me and took my purse that had all my personal information in it. I have now noticed that a bunch of companies are listed on my credit report as if I applied for something with them. I did not ask these companies for anything and did not complete any application asking for anything. All this information is a result of identity theft. I am asking that you delete all this fradugelent information from my credit report.

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 2021-07-19 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: NV

Complaint narrative:
There are some bad information and or accounts listed on my credit reports that do not belong as I didn't authorize the listed inquiries, nor are the accounts listed are my accounts. There is also an address that did not belong to me as well. Please remove them.

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 2021-07-19 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: NV

Complaint narrative:
There are some bad information and or accounts listed on my credit reports that do not belong as I didn't authorize the listed inquiries, nor are the accounts listed are my accounts. There is also an address that did not belong to me as well. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am a victim of identity theft my information was stolen from XXXX XXXXXXXX and Equifax data breach please remove these fraudulent inquiries please remove from my account. XXXX XXXX of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX & XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX F XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : CAPITAL ONE BANK USA N Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
In reference to a previous complaint XXXX I received a generic answer, however SQUARE has still not performed and is still holding our money longer than the promised release date.

Below is the email from Square where they stated we would get our money within 2 business days of XX/XX/2021. They are currently holding {$500000.00} of our money. 





Hello XXXX, Our Account Services team has reviewed your account and determined that we are no longer able to support processing your payments. Starting today, your account with Square is deactivated.

Any funds currently in your account balance will be held for a period of 90 days, and are due to be released to you within two business days after XX/XX/2021. 
Please be advised that the release date and amount available for release are subject to change based on factors that include receiving additional chargebacks after this notice. In addition, chargeback activity on payments unrelated to these funds will result in additional debits from your linked bank account. 
For payments that havent been deposited ( generally in the last few days ), you may consider having your customer pay you by another method ( cash, check, etc. ) and refunding the payment ( s ) back to the original payment card ( s ). The full payment amount will be returned to your customer. Refunds can be issued within 120 days of the original payment date. To learn more about issuing refunds, please visit here.

For more information about our policies, please review the Square Payment Terms.

We appreciate you considering Square for your processing needs.

Sincerely, Square Account Services

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: MO

Complaint narrative:
Someone mugged me and took my purse that had all my personal information in it. I have now noticed that a bunch of companies are listed on my credit report as if I applied for something with them. I did not ask these companies for anything and did not complete any application asking for anything. All this information is a result of identity theft. I am asking that you delete all this fradugelent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
After payment was made on a debt that was arranged to a lesser amount on a debt that was not conclusively my responsibility to Midland Credit Management XXXXXXXX XXXX XXXX XXXX MI XXXX was victimized by identity theft resulting in my bank accounts and phone service being lost for an elongated amount. After rectifying matters I attempted to resume the payment arrangement that was previously agreed upon settlement installment which was XXXX. They informed me that the balance was XXXX and would not allow me to resume my payments which I attempted to make in good faith although As I was justified.for any and all delinquency. I've made numerous attempts to rectify the matter consistently being.transferred from department to department intentionally hung up on being treated rudely and in a very demeaning manner.. Consistently calling me XXXX or by the wrong name as if they're doing it intentionally. My name is XXXX which is how it is listed shown on my account This is clearly a case of gouging harassment and default on their part. I have disputed the balance of this account internally with Midland Credit Management In which they were supposed to respond to me directly or by email. And with their promissary statements of dispute arbitration by their head officer of that department. I had still not received any correspondence as of today. I've also filed dispute with XXXX XXXX and XXXX to no avail ..Any and all assistance in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, OH, XXXX Please see attached the debt validation letter and the cease and desist that was sent to XXXX XXXX back in XXXX. XXXX XXXX has failed to send any form of validation after it was requested by I, XXXX XXXX, the consumer who is in fact a natural person, original creditor, lender, executor, and administrator. XXXX XXXX has also chosen to disregard the cease and desist which was sent to them. I, XXXX XXXX, who is the consumer and original creditor am the only one who is able to validate this alleged debt as said so by congress under the FDCPA, 15 USC 1692g. Both XXXX XXXX and Experian has and continues to invade my individual privacy, as congress has said so under the FDCPA 15 USC 1692 ( a ). There is no law that says a debt collector or consumer reporting agency MUST report any information to a consumer report. The law DOES say under 15 USC 1681b that a consumer reporting agency can only furnish a consumer report in accordance to written instructions by the consumer to who it relates. I, XXXX XXXX did not give neither XXXX XXXX or Experian any consent. No consent is identity theft. This is a communication and final notice to cease and desist and pursuant to 15 USC 1692 ( c ) ( c ) ( 2 ). I am invoking my specified remedy to : 1. XXXX out the balance of this alleged account.

2. Delete any and all references to this alleged account.

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 2021-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE
State: CA

Complaint narrative:
Someone tried to open a checking account by impersonating me and trying to steal my identity. The bank said they would close the account but the individual needs to be found that did this. I was alerted by email 4 times on XX/XX/2021 that a person had enrolled in online banking at the bank at " updated '' their email address to mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I, XXXX XXXX XXXX am submitting this complaint on my own behalf, again, after numerous attempts to resolve this. Midland 's Funding continues to violate my consumer rights and is attempting identity fraud by using my information. The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent. PURSUANT TO : 15 USC 1692c I am invoking my specified remedy as a consumer, and the original creditor I am also demanding deletion from all consumer reports and request confirmation of this remedy in writing within 15 days.

15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

Let this complaint serve as notification that I do not wish to be contacted about this debt that does not belong to me. Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act. This included furnishing unvalidated data to the consumer reporting agencies. 

Be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, CFPB, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: VA

Complaint narrative:
I will try to describe the issue as best as I can. 

This issue has two issues within it. I had a Binance.com account since about XXXX I believe. Within the Binance account I owned several shares of the coin 'XXXX  ' ( the value was between $ XXXX {$1400.00} at the time ). A couple of month 's ago, Binance.com gave a warning that US citizens were soon going to not be able to access Binance.com and were warned to transfer our crypto currencies out of our account. After receiving the warning, I created a Binance.com/us account and attempted to withdrawal and transfer my 'XXXX ' shares to the Binance.com/us account. I attempted many times and failed. Binance.com/us did not have a URL to transfer to the account. Therefore I was unable to transfer my XXXX money from Binance.com to Binance.com/us. I also attempted to withdrawal/ sell my shares to deposit into my bank account, however, because I was a US citizen I was restricted from making that kind of transaction. At the time I was not aware that there might have been another way to transfer the XXXX to different 'wallet '. After reading XXXX, I learned that I was not the only person that had the same issue. I was advised to get a crypto wallet of some sort and transfer the money that way. By then, it was too late. 

I attempted several times to Binance.com 's contact customer service via online chat on XX/XX/XXXX because that seemed to be the only way, and I did not receive any help with the issue. I did not have any questions properly answered. The only thing I recall them saying to me was that US citizens are not able to access their Binance.com account anymore. When I put in my last support ticket, they also never got back with me on this issue. 

I was going to attach the e-mail chat 's to this, however, when I went to the e-mail 's of the chat, I click on the chat and it is no longer there. I'm not sure what other information I should submit to you all. I can provide my credentials at some point. I'm not really sure what to do and was directed to contact consumer finance for help.

What I need is my money from my Binance.com account where I own XXXX returned to me or to a safe place that I have access to at any time. Thank you so much in advance for any help with this issue. 

Kind Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Once again I'm sending a complaint in for Experian Information Solutions about reporting on my consumer credit report without my consent. On XX/XX/2021 I reported improper use on my credit report by Experian Information Solutions to the CFPB, they responded back saying it's a unauthorized third party on XX/XX/2021. I am the consumer XXXX XXXX sending these unlawful practice information being use by Experian Information Solutions. Please remove all XXXX XXXX account from consumer credit report information. According to FDPCA, Experian Information Solutions violated 15 U.S.C 1692 ( c ).

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 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, 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:
Yes! 

I submitted ( 2 ) letters to ALL THREE credit bureaus on XX/XX/XXXX. One letter was to validate ( 3 ) accounts and the other letter was to validate the late payments for my ( 6 ) student loans accounts.

I only heard back from XXXX  for the ( 6 ) student loan accounts.

I then submitted a NO RESPONSE letter for the other ( 6 ) student loan accounts for the other ( 2 ) credit bureaus and for the ( 3 ) accounts for all credit bureaus because I didn't get a response. This was done on XX/XX/XXXX. To be safe, I sent the SAME set of the above letters on XX/XX/XXXX. 

I haven't heard back from the bureaus for any of this!!! 

I called up to the credit bureaus and XXXX  and Transunion BOTH conveniently stated that they only received one letter. ONE LETTER!! 

Of ALL the letters I've sent, they only received ONE LETTER! I just don't believe that. And Transunion didn't even investigate the late payments ... they investigated the balance!! Thats not what I asked!! 

I can clearly see that this information on my credit report is reporting INACCURATELY and on top of that, no investigation has been done after numerous attempts. 

THIS IS A VIOLATION OF MY RIGHTS!!! I demand an investigation and deletion of this inaccurate 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 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Yes! 

I submitted ( 2 ) letters to ALL THREE credit bureaus on XX/XX/XXXX. One letter was to validate ( 3 ) accounts and the other letter was to validate the late payments for my ( 6 ) student loans accounts.

I only heard back from Experian for the ( 6 ) student loan accounts.

I then submitted a NO RESPONSE letter for the other ( 6 ) student loan accounts for the other ( 2 ) credit bureaus and for the ( 3 ) accounts for all credit bureaus because I didn't get a response. This was done on XX/XX/XXXX. To be safe, I sent the SAME set of the above letters on XX/XX/XXXX. 

I haven't heard back from the bureaus for any of this!!! 

I called up to the credit bureaus and Experian and XXXX  BOTH conveniently stated that they only received

one letter. ONE LETTER!! Of ALL the letters I've sent, they only received ONE LETTER! I just don't believe that. And XXXX  didn't even investigate the late payments ... they investigated the balance!! Thats not what I asked!! 

I can clearly see that this information on my credit report is reporting INACCURATELY and on top of that, no investigation has been done after numerous attempts. 

THIS IS A VIOLATION OF MY RIGHTS!!! I demand an investigation and deletion of this inaccurate 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 non-monetary relief
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: FL

Complaint narrative:
IC System is reporting that I owe a bill to XXXX. I have tried to contact them and they say that its verified to the credits bureaus. I have attached proof that said account is not owed.

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