vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-09 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: CO

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to delete these unverified inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: NJ

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) ( Bureau ) shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-11-09 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: FL

Complaint narrative:
I am a victim of Fraud/ID theft my personal information was used to open a car loan/lease with XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX opened was XX/XX/2016. I have filed an Identity theft report with the XXXX  XXXX XXXX division Identity Theft report # XXXX. I have contacted XXXX in reference to this as well as disputed this with Experian Report # XXXX. The error was not fixed on my report instead the removed my existing car loan from my credit!. The bureaus employ people from XXXX that do not even know how to help me with this issue. I am including a written statement, Identity theft report and proof of my identity, and proof of the theft as stated in the FCRA XXXX ( b ). I have included applicable statutes in the desired resolution section. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
the Coinbase XXXX app  is a fraud. It looks lke a coinbase wallet, but it's not. 
It seems like a foreign entity has done a masterful job at creating a web site that would resemble a wallet. But it's a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: NJ

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) ( Bureau ) shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX  XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-11-09 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: NJ

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section XXXX ( a ) ( Bureau ) shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX XXXX XXXX after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required XXXX XXXX  for you ( which complies with FCRA XXXX XXXX ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate XXXX XXXX XXXX XXXX law enforcement agency, including the XXXX XXXX XXXXXXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX  XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. 

According to FCRA XXXX XXXX ( a ) the XXXX XXXX XXXX  shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX XXXX XXXXXXXX after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP
State: NM

Complaint narrative:
I have attached the mail to this. I NEVER requested a reverse mortgage, nor information on XXXX. I do NOT want XXXX. I'm worried that this company will try to create XXXX on my property. I tried contacting the company and their phone number was out of service. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Sage LLC
State: HI

Complaint narrative:
Today XXXX XXXX 2022 at XXXX ( PST ) I spoke with a man named XXXX with XXXX. He stated to me he could get my credit debt disputed but i have to pay {$190.00} for initial fee, then {$99.00} a month until it is resolved then I call them ( credit sage ) to cancel the {$99.00} a month. I did however give him my husbands FULL Social Security and Date Of Birth. I do not want any of that information to get leaked or someone opens a credit card, or something serious with my husbands information. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There no bankruptcies on my XXXX and the references numbers on the transunion and XXXX are NOT the same. XXXX XXXX. I sent a letter to the courthouse asking to they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody So if that the case.How do the credit bureaus verify my bankruptcy 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigate consumer report means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode living is obtained through personal interviews with neighbors, friends, or associates of the consumed report on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

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 2022-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had 5 unauthorized XXXX withdrawal transactions from my checking and savings accounts with Bank of American on XX/XX/2022 on the same day. From my checking account 2x {$980.00} and {$400.00}. From my savings account {$980.00} and {$100.00}. The total of {$3400.00} fraudulent transfer transactions. 
I did not authorize these transactions, I dont know who the other party is, and did not loose my device or share my password with anyone. All transactions were from the same individual. 
I filed a fraud claim with BofA immediately and they investigated the case for 2 months. They initially credited my account with the total amount while investigating. They closed the case indicating that they could not find evidence and withdrew the total amount credited. They cited that they can not refund me the money due to insufficient evidence. the claim numbers are XXXX and XXXX. 
I filed a police report for identity theft in XXXX with the XXXX of XXXX, CA. I subsequently opened a new claim with BofA to start the investigation again. So far, its been more than 10 days that I have not heard back from them. 
BofA is not taking responsibility for these fraudulent activities despite the fact that XXXX is part of BofA. They do not warn consumers that they provide no protection. They can trace the account the transactions was made from and stop or re transfer. The response I got is there is not much we can do about it. I have spent hours on hold over the phone trying to get through their fraud department in order to speak to someone either to open claim or get status update. They did not send email updates on the status. If they can not protect their customers, they should not make XXXX as part of their operation. I have been a victim of identity theft and BofA is not taking any steps to take responsibility or any action to prevent them. This is unacceptable and BofA should be held accountable and refund my money. Thank you for your attention to this matter and I look forward to hearing from you. 
Regards, 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 2022-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
In XX/XX/2022, I signed up for a XXXX American Express XXXX under a XXXX XXXXXXXX XXXX promotion if I spent {$3000.00} within XXXX XXXX. I was given a {$2000.00} credit limit so I charged on the card and then paid it off right away so I could reach the {$3000.00} in purchases. I declined a XXXX XXXX  offer at the furniture store, and charged furniture at XXXX XXXX and XXXX to reach the threshold. I got to the {$3000.00} in XX/XX/2022. I called Amex to make sure I did what I had to do to receive the XXXX miles, and I was assured I would get the miles in XXXX XXXX. I called back a XXXX times and was told the same thing. After about XXXX XXXX, I was told they would open an investigation. I heard nothing, and I called again in XX/XX/2022, and the representative said she could see my promotion on her computer screen as part of my records, and she reopened the investigation. I was recently told that the terms and conditions was the reason AMEX did not honor the promotion. I paid a {$250.00} XXXX fee and accrued interest on this card in consideration for the XXXX miles, and Amex breached their offer to me. I was never told I would not receive the miles, and I was affirmatively told I qualified at least XXXX different times as evidenced by Amexs own records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
XX/XX/2022 : I sent completed and returned the requested form to USAA about my auto loan not reporting on any of my credit reports. I also sent notifications to XXXX, XXXX and XXXX showing that there is an error in reporting on my credit report and provided them with proof from USAA that I had an auto loan through USAA and it was paid in full but my credit report does not reflect that that account ever existed. This has caused me undue financial hardship in obtaining a vehicle loan because of this lack of accountability for all XXXX  credit bureaus and USAA who claims that it is the responsibility of the credit bureaus to report correct information. USAA provided me with my loan number and account statement so they have record of the auto loan and it did appear on my credit for a short time, but now it is gone and has negatively impacted my XXXX XXXX and caused me to be charged unaffordable interests rates on a new auto loan. None of the credit bureaus replied within the XXXXXXXX XXXX requirement with an answer or solution to my problem, and USAA claims it is out of their hands.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
On XX/XX/2022, I opened up and created a Square account for my business, XXXX XXXX XXXX XXXX. In creating the account Square requires business and personal information to be submitted. After this information was submitted, my understanding was that I was approved and okay to start transactions. On XX/XX/2022, I created an Invoice and billed a customer for service. On this same day the invoice was paid. This is a long standing customer with my business that I've had multiple successful transactions with thru XXXX XXXX. 

Once this payment was made, I logged into the account to figure out how to transfer the funds into my external bank account. I kept getting an error message. Later on that day I get " Urgent '' an email stating that Square is requesting additional information in order to get my business. I feel that this is information that should have been requested BEFORE granting approval and access to use their platform. I submitted all of the requested documents and information. The next day on XX/XX/2022, I get an email stating that they didn't approve the information I submitted and that my account would be deactivated. All that's fine, however, the problem at hand is they have my funds placed " on hold '' for 90 days. I don't know in what business world that this is legal and not fraudulent. To me it's like a bait and switch. They bait you in to create an account, you do a transaction, they ask for additional information, deactivate your account but KEEP your funds " on hold ''. Brick and mortar banks hold transactions for 21 days BUT 90 days?! This is RIDICULOUS AND TOTALLY UNACCEPTABLE AND NEEDS TO BE INVESTIGATED ESPECIALLY IF THIS IS THEIR NORMAL BUSINESS PRACTICE. 

I had called and spoke to a customer service representative one time and they had no answer except to wait for the 90 days. I requested a supervisor and/or to escalate the call and issue and was told that the Security Team does not take calls. Thereafter, any time that I tried calling in, they threw my phone number in a loop to where I was only able to hear robotic messages and not get thru to a human being. I called today and blocked my number, got through to a customer service agent and once he pulled up my information, he became robotic basically repeating the same stuff that the automated message line was telling me. Again, I asked for a supervisor and/or to escalate the call, he refused and the said he was ending the call and hung up on me. 

All things aside, I WOULD NEVER do ANY other business be with Square or refer them to anyone. At this point, I just want my rightful and legal funds to be transferred to me IMMEDIATELY and not after a 90 day hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief