vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NE

Complaint narrative:
Ive received a notification from XXXX XXXX that a company by the name of Spring Oak Capital LLC reported a debt owing {$860.00} of a balance they alleged for an account opened in XX/XX/XXXX. I have never received any written notification of this alleged debt nor have I opened any accounts with this company. I dont know what this debt is and I have no accounts with any debts owing {$860.00}. I need proof of this debt and why it suddenly appeared on my XXXX profile as of XX/XX/XXXX. Its not my debt I would like it removed from my credit report and verified what this debt is. I have no knowledge of any correspondence of any debt owing from this company on XX/XX/XXXX. I am requesting this company show how this debt was acquired and also show proof that I agreed to pay this debt. Due to this situation my credit score took a tremendous hit. This debt is false and is not mine and it needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I called Chase bank I was scammed on XX/XX/year>, I discovered I deposited a fake check, and was requested by scammers to help pay her mover by XXXX. I paid the mover by XXXX twice, one is {$510.00}, the other is {$500.00}, so total {$1000.00}. 

I called Chase three times : firs call is XX/XX/year>. I told Chase representative I was scammed, I deposited a fake check, amount is {$1700.00}, then was scammed by XXXX payment twice. The representative said the check fund is available, if I am scammed to pay by XXXX, Chase bank will have my money back, so I need to wait if the check is fake. 

Second call is XX/XX/year>, I told Chase representative I want to report scam, I got a fake check, then was requested to pay by XXXX. The representative said the check fund is still available, there is nothing I can do. 

Third call is XX/XX/year>, I discovered the check amount {$1700.00} was returning to Chase, and the representative can confirm it's a fake check. I asked how about two payment by XXXX was scammed on XX/XX/year>, the representative said the chance to have my money back is 50 %. 

I believe Chase did not take care of my scam case in a timely manner, because I called them immediately after I discovered I was scammed, they told me to wait, but can not guarantee to help to get my money back. 

I told Chase how my scam happened as follows : On XX/XX/year>, I signed a lease agreement with a potential tenant called XXXX XXXX, she provided me her ID and a bank statement. Then she said her boss will pay her first month rent, then her boss sent me an E check from XXXX XXXX, the amount is {$1700.00}. I remote deposited the check, then got an email from Chase said the fund is available {$500.00} immediately, then available {$1200.00} on XX/XX/year>. She said the amount includes mover 's expense, she needed me to pay the mover twice by XXXX, then I keep my first month rent. But the next day ( XXXX ), the scammer asked me to help her to pay more money, I refused it, then she said she will cancel the lease agreement. I called her, she never answered my call. Her boss also texted me to send him money back electronically, I said I can only mail a paper check, he threated me he will dispute it, I said the E check fund is not guaranteed, it will be reversed back if any issue happens, then he never answer back. On XX/XX/year>, the E check was verified fake by Chase bank. In short, I didn't not keep my first rent, but was scammed {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Today, XX/XX/year>, at approximately XXXXXXXX XXXX, I visited the M & T Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX, to deposit cash. During the transaction, the teller unexpectedly asked for my Social Security Number, despite me being an existing account holder. I declined to provide it, as the request seemed unnecessary. When the teller returned my money, I noticed that {$100.00} was missing. 
Initially, the teller denied that there was any mistake when I pointed out the discrepancy. However, after further insistence, they checked their cash drawer and confirmed they had an extra {$100.00}. While the issue was eventually resolved, the teller 's initial denial and handling of the situation left me feeling uneasy and concerned about their conduct. 
I believe this matter requires review, as the teller 's response and actions were not appropriate for a bank setting. Please investigate this incident and ensure better accuracy and professionalism in the future. I would appreciate a follow-up on the outcome

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 2024-10-03 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have found errors on my credit report that seem to contradict 15 USC 16c-2. This inaccurate information is harming my credit standing.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter serves as a formal dispute under 15 U.S.C. 1681 ( Fair Credit Reporting Act ), specifically invoking 15 U.S.C. 1681c-1 ( b ) ( Section 605B ), and addresses the serious issue of a data breach that has compromised my personal information. 
Dispute of Inaccurate Information I am disputing the following inaccurate and fraudulent information appearing on my credit report : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX No Name on Account XXXX Nature of Dispute : Account opened fraudulently due to identity theft ; this account does not belong to me. I demand that this fraudulent information be immediately removed from my credit report, as mandated by Section 605B. Under 15 U.S.C. 1681c-1 ( b ), you are required to block this fraudulent information within four ( 4 ) business days upon receiving my request, supported by an identity theft report ( enclosed ).

Failing to comply with this statute subjects your organization to penalties and legal action, including compensatory and statutory damages. You are obligated to investigate and correct this issue, and I expect a formal confirmation of the deletion within the legal timeframe.

Identity Theft Report and Supporting Documentation Attached you will find my Identity Theft Report and supporting documentation, which includes : A copy of my FTC identity theft affidavit.

Relevant proof of my identity drivers license, ssn.

This documentation further validates my claim and obligates you to take immediate corrective action under Section 605B of the FCRA Data Breach and Negligence It has come to my attention that my personal and financial information may have been exposed as part of a recent data breach involving your organization. This data breach has led to unauthorized accounts and activities being reported on my credit file. 

Under the FCRA and relevant data privacy laws, your company is responsible for safeguarding my personal information. I demand an immediate investigation into the security breach.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter serves as a formal dispute under 15 U.S.C. 1681 ( Fair Credit Reporting Act ), specifically invoking 15 U.S.C. 1681c-1 ( b ) ( Section 605B ), and addresses the serious issue of a data breach that has compromised my personal information.

Dispute of Inaccurate Information I am disputing the following inaccurate and fraudulent information appearing on my credit report : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX No Name on Account XXXX Nature of Dispute : Account opened fraudulently due to identity theft ; this account does not belong to me. I demand that this fraudulent information be immediately removed from my credit report, as mandated by Section 605B. Under 15 U.S.C. 1681c-1 ( b ), you are required to block this fraudulent information within four ( 4 ) business days upon receiving my request, supported by an identity theft report ( enclosed ).

Failing to comply with this statute subjects your organization to penalties and legal action, including compensatory and statutory damages. You are obligated to investigate and correct this issue, and I expect a formal confirmation of the deletion within the legal timeframe.

Identity Theft Report and Supporting Documentation Attached you will find my Identity Theft Report and supporting documentation, which includes : A copy of my FTC identity theft affidavit.

Relevant proof of my identity drivers license, ssn.

This documentation further validates my claim and obligates you to take immediate corrective action under Section 605B of the FCRA Data Breach and Negligence It has come to my attention that my personal and financial information may have been exposed as part of a recent data breach involving your organization. This data breach has led to unauthorized accounts and activities being reported on my credit file.

Under the FCRA and relevant data privacy laws, your company is responsible for safeguarding my personal information. I demand an immediate investigation into the security breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-10-03 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: TN

Complaint narrative:
I am writing to formally express my concerns and frustration regarding the Equifax data breach that occurred in 2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. Equifax is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence Engelhardtv v.Graven ( MO ) 261 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: TN

Complaint narrative:
I am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in 2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. XXXX is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence Engelhardtv v.Graven ( MO ) 261 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.

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 2024-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
On XX/XX/year>, I received an email from my credit card issuer, Barclay Bank, informing me that the bank had put a " block '' on my card. They claimed that I was " in violation of the USA Patriot Act. '' ( Despite asserting that they had " tried to reach me many times, this was the first notice I received. ) When I called the issuer, they explained that they wanted me to update my annual income. I told them that I was not applying for a card, requesting a credit limit increase, or seeking any other service or product that would justify such a demand for income information. I also explained that I do not wish to provide my income information, given that such information is frequently sold or otherwise used for marketing or sales purposes. I spoke to both a customer service representative and a manager, both of whom insisted that I had to comply with the income disclosure or I would be unable to use my card. To the extent it matters, I have had this card for many years and have never missed a payment or had any other issues that might prompt a request for income disclosure.

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 2024-10-03 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: ND

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Per this complaint XXXX the response to this complaint is not answering my complete I need to talk to LIVE PERSON AND CAN NOT GET TO A LIVE PERSON. I don't need no credit report, I need help with fraud and I there phone line want let you talk to a live person and the answer they are putting on my compliant is nothing that I need I need to talk to a live person about my problem. I not asking for what they are responding to my compliant.

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 2024-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
After opening 10 other claims against Coinbase, while they still locked my money in the vault, I finally found a way to force it out of the vault, despite Coinbase stating it was open to withdraw. 

I initiated it on XX/XX/24, approved the vault withdraw via email, and according to Coinbase it takes up to 48 hours. But it is STILL PENDING. 

FIX THIS SO I CAN GET MY MONEY OUT OF THIS COMPANY. YOU HAVE BEEN HOLDING MY MONEY HOSTAGE FOR NEAR A YEAR.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am filing this formal complaint against LVNV Funding LLC regarding their handling of my account with account number XXXX, originally from XXXXXXXX XXXX XXXX  XXXX. The following violations of the Fair Credit Reporting Act ( FCRA ) have occurred, and I am seeking your immediate assistance in resolving this matter. 

Despite showing the account as " Paid off, '' LVNV Funding LLC has reported a balance of {$650.00} and states that this amount is past due as of XX/XX/XXXX. This is a direct contradiction and violates FCRA 611, which mandates that information furnished to consumer reporting agencies must be complete and accurate. This conflicting status is misleading and damaging to my credit profile. 


The payment history shows several months with missing or incomplete data, specifically XXXX, XXXX, and XX/XX/XXXX as well as XXXX and XX/XX/XXXX. In some months, the status is reported as " C '' ( Collection ), while other months show " ND '' ( No Data ), making it impossible to assess a clear and consistent payment pattern. This violates FCRA 623, which requires furnishers to report accurate and complete information. The failure to provide a full and consistent payment history creates a misleading credit report, harming my creditworthiness. 


The last update to this account is listed as XX/XX/XXXX, while the balance was only updated in XX/XX/XXXX. FCRA 623 requires that furnishers of credit information update accounts in a timely and accurate manner. The lack of proper and timely updates further misrepresents my account status and negatively impacts my credit score.

Although the account states " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ), '' no meaningful investigation or resolution has been provided. The ongoing inaccuracies, such as the conflicting balance status and the incomplete payment history, clearly show a failure to investigate or correct these issues under FCRA 611. This also implies non-compliance with the obligation to thoroughly investigate disputes.

Company response to consumer: Closed with non-monetary relief