vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-02 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: NC

Complaint narrative:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 credit bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NE

Complaint narrative:
1. Never received communication of any kind from original creditor.

2. Never received a tear off dispute portion of any letter sent from collection agency to return via mail.

3. Never received notice of my rights to obtain documentation and verification of alleged debt nor my options if I disagree with the debt.

4. Never received a verification notice 5. Never received information of how this debt occurred nor what the debt consisted of.

6. This debt was part of a XXXX XXXX. No contact information provided of original creditor.

8. This agency reported this invalid debt to national credit reporting agency 's and have threatened to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 16668 : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX XXXX of 2022, I had a late payment entered on my credit report. There was a discrepancy of me making the payment on time as I had for approximately the 10 plus years that I had the account. Before becoming an American Express Macys card, I had a regular Macys account. After speaking with customer service, I was told that they did see that I had logged in prior to the payment being due but we were unsure of why it continued to show that the payment wasnt made. I was then told that the account would be updated referencing that I had had an account in good standing for so many years. Since then, my account continues to reflect the late payment although since then, the account has been paid. I am requesting that the late payment be removed from my 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 2022-09-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I was notified on XX/XX/2022, via XXXX XXXX that someone opened a {$4000.00} personal loan in my name in XX/XX/2022. As a case of identity theft, I froze my credit lines and social security number. I also created a police report with the XXXX XXXX Police Department, case number XXXX. 

I notified Upgrade, Inc immediately when I noticed the suspicious activity. Ever since, they have been dodging emails and giving me template responses. I have made MANY attempts to get in contact! The only way to get a response from the company is by threatening them by going to organizations like XXXX XXXX XXXX. I have reached out to XXXX  and the ended up closing my case and concluding that I will remain a dissatisfied customer. The only issue is that this loan is destroying my credit ( has dropped XXXX  POINTS ). They are also sending me threatening letters that they will accelerate my loan if I do not make payments. 

I have given them all required documents, FTC Affidavit, proof of identity, bank statements from fraudulent bank accounts that were used to open the loan, and many more. They also will not give me any information regarding the application, which I find is against the Fair Credit Act as I have provided too much information for them to continue to deny my rights. 

I see that I am not the only one experiencing this on the XXXX XXXX XXXX website. I do not find that this is an ethical way of running a company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I have previously submitted a complaint about Citibank Credit Card. This complaint is new but its link to the previous issue was well. Citibank is continuing to resubmit a payment to my bank account and causing me to pay overdraft fees because the funds are not there. I paid this bill and they refuse to submit in the payment date which is causing me to pay overdraft fees. I spoke with someone about this account and she was only interested in whether I wanted to reopen the account or not. I opt not to reopen because if they treat me like this who has been a loyal customer for over two years then I wonder how they would treat someone else. I just want them to stop resubmitting that payment to my bank ASAP. I am going to pay them as my history reflects. Please help me deal with 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 2022-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. Transunion, XXXX, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts. 
My credit report is still reporting : XXXX XXXX XXXX Bankruptcy, XXXX XXXX XXXX XXXX, and XXXX XXXX. 
Please see attached FTC Identity Theft Report. 
On XX/XX/XXXX, I sent Transunion, XXXX, and XXXX a follow up letter to request they remove the above accounts and they did not. 
Last, a sent another correspondence on XX/XX/XXXX, with no response or changes. 
This has caused me tremendous XXXX, stress, and financial hardship.

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 2022-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: IN

Complaint narrative:
In XX/XX/2022 I contacted support for CashApp. My phone was stolen so I had to change my number and go through the process of getting all of my personal information transferred to my current number. CashApp proceeded to ask me a lot of personal questions which I answered in order to close my old account since it was connected to my old number and transfer my funds into my new account which I had to create since I didnt have access to that number anymore. They proceeded to give me the run around for almost 5 months and my account is still open and I still have yet to receive my funds or even be granted access. I have constantly asked for a supervisor or the fraud department and they never ever respond with a supervisor despite telling me they would. Every single time Ive tried to access my funds they dont even give me an explanation. I have contacted them at least 15 times over the past 5 months

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has been in violation of my consumer rights. They don't seen to adhere with FCRA. Yesterday I spoke with a specialist and he disregarded what I was trying to explain about my consumer rights and consumer law. I let him know that policy does not override federal. He was not being receptive at all, he did not want me to read my codes and laws that congress put in place to protect me as a consumer. I recorded the phone conversation his name is XXXX. As per law, 15 USC 1681 ( a ) ( XXXX & XXXX ). Experian have assumed a vital role, and they have a grave responsibility with fairness, and to be impartial which the specialist on the phone yesterday was not practicing any of this. He was being very partial and I also have the right to privacy as a consumer. 
In addition, I requested that XXXX and mcu show certification and my written consent with my signature and that experian supposed to hold those docs in their possession in order to claim that I gave permission to furnish anything on my file as per 15 usc 1681b ( a ) ( XXXX ). Remove these immediately. 
My question is, is EXPERIAN willing to be held liable for the damages according 15 usc 1681n?

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 2022-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I would like to draw your attention to XX/XX/2022 - I had sent my complaint letter to Coinbase, in which I clearly stated how this scam has affected me personally, psychologically and financially. 

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by " XXXX '' which involved me making deposits for a total amount of XXXX USD from my Coinbase account to a fraudulent investment firm. 

Coinbase refused to help me on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: IL

Complaint narrative:
On XX/XX/XXXX I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-XXXX ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency.

They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, Equifax, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts. 
My credit report is still reporting : XXXX XXXX XXXX Bankruptcy, XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX. 
Please see attached FTC Identity Theft Report. 
On XX/XX/XXXX, I sent XXXX, Equifax, and XXXX a follow up letter to request they remove the above accounts and they did not. 
Last, a sent another correspondence on XX/XX/XXXX, with no response or changes. 
This has caused me tremendous XXXX, stress, and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: IL

Complaint narrative:
On XX/XX/XXXX I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency.

They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, XXXX, and Experian are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts. 
My credit report is still reporting : XXXX XXXX XXXX Bankruptcy, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Please see attached FTC Identity Theft Report. 
On XX/XX/XXXX, I sent XXXX, XXXX, and Experian a follow up letter to request they remove the above accounts and they did not. 
Last, a sent another correspondence on XX/XX/XXXX, with no response or changes. 
This has caused me tremendous anxiety, stress, and financial hardship.

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 2022-09-02 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: IN

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 16668 : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XX/XX/XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 16668 : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XX/XX/XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
On XXXX XXXX, 2022 I spoke with XXXX XXXX on behalf of XXXX XXXX of SpringOak Capital about a debt showing on my credit report. 
XXXX told me, the contract for my debt has been sold from XXXX XXXX Bank to Spring oak capital, without my consent. I demand the ORIGINAL contract agreement that I signed giving consent to my debt being sold be sent over to me immediately. This is not the first letter or complaint filed with this company. Please see attached. 
XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I would like to draw your attention to XX/XX/2022 - I had sent my complaint letter to JP Morgan Chase, in which I clearly stated how this scam has affected me personally, psychologically and financially. 

Commencing on or about XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX  which involved me making deposits for a total amount of XXXX USD utilizing the services of JP Morgan Chase. 
Money was transferred from my account via Wire transfer and through an intermediary named " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: FL

Complaint narrative:
A student loan was opened on my account. Address keep showing on my credit file that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A student loan was opened on my account. Address keep showing on my credit file that are not mine.

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 2022-09-02 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I request to review all reports. There are differences between reports issues. I tried 2 or 3 times but they did not review it in accordance to law. Both reports have the account that does not have past and a XXXX balance use. NO info about use, or unknown information. The credit score report in XXXX reports " Charged off as bad debt Purchased by another lender '' in XXXX reports " Charged off account ''. Non of them have information about " payment status or past due '' or worst payment status. The reports do not have the same information, Commenity bank do not accomplish to verify all before send their determination to my dispute. As a consumer I request to delete the account in accordance to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
Ive tried getting my money back from ruined money orders and sent them pictures of the damaged money orders and they refused to send them even though I followed policy procedures and no one else is claiming ownership of the money orders! 

XXXX ) XXXX {$500.00} XX/XX/21 XXXX ) XXXX {$250.00} XXXX ) XXXX {$500.00} XXXX ) XXXX {$500.00} XXXX ) XXXX {$500.00} XXXX ) XXXX {$500.00} XXXX ) XXXX {$500.00} Ive sent pictures of each money order next to my id and drivers license and followed policy procedures to obtain the refunds and I just kept getting blown off, hung up on and ridiculed, Ive been trying to get these refunded for over 6 months now!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency Can not furnish a account without my written instructions XXXX XXXX XXXX  : XXXX XXXX XXXX  Delaware XXXX XXXX XXXX  XXXX : XXXX XXXX  XXXX : XXXX Child Support : 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