vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: VA

Complaint narrative:
Hi, This is a continuation of a complaint ID XXXX. Please reopen the case since I have new findings : This isnt about fraud, Its about a financial Institution that should have a fiduciary duty to customers. 
I flew to XXXX to meet with XXXX bank in person and further investigate the case. 

The customer care agent was totally understanding and willing to helpwithin the banking regulations of customer confidentiality. 

She confirmed that neither the address or the name of the beneficiary matches the account XXXX. Furthermore, she directed me to the branch location where the account was open. She advised me to meet with the branch manager. 
The branch location is XXXX bank XXXX XXXX XXXX XXXX XXXX The branch manger, XXXX XXXX XXXX confirmed the following : - The account name is not in the name of Cosal Interiors - The account address is not the one in Wise receipt. 
- The bank has never received any request or any corespondents from XXXX or any other financial institutions to return the fund. Even if it was directed to any other department, it would have arrived to him since the account is in his branch. He mentioned Have I received a request from the sending party, we would have refunded the amount since neither the account name or number matches the XXXX. 

He refused to send me the above in writing since Im not the account holder. However, he said that he can put that in writing if a formal request from the sending party was addressed to his bank through the proper channels. 

Based on the above facts. Please consider the following : - XXXX should have been acted as a fiduciary to protect their customers by making sure that the XXXX, address and account name matches what I provided. 
XXXX XXXX falsely claims that they have attempted to recover the funds but they never did. 
Please find a link to : - The branch manager business card : XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX - Fax XXXX XXXX XXXX XXXX : XXXX -Videos of my conversation with the manager. Its in a bad quality but it its a best I could get. XXXX sure we can suppena him or depose him if needed. He doesnt speak English, his assistant was translating for him. 
XXXX XXXX XXXXXXXX? XXXX I appreciate looking at this case from a different perspective and not to treat it as a fraud case. 
Thanks

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

Complaint narrative:
I recently received a copy of my consumer report from XXXX, Transunion and XXXX. I noticed this inaccurate account posted on my consumer report. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681i ( a ) ( 1 ) ( A ), DELETE this INACCURATE ACCOUNT listed below before the end of the 30 day period after receiving this notice of dispute. 

XXXX XXXX XXXX  XXXX XXXX Acct # : XXXX These companies is in clear violation of the law! 15 USC 1681e Compliance procedures And 15 USC 1681b Permissible Purpose of consumer reports 15 USC 1681e ( b ) Compliance procedures, THE LAW CLEARLY STATES : ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681b Permissible Purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I NEVER gave these companies written instructions to furnish this account on my consumer 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 2022-02-02 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: PA

Complaint narrative:
I recently received a copy of my consumer report from XXXX, XXXX and Experian. I noticed this inaccurate account posted on my consumer report. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681i ( a ) ( 1 ) ( A ), DELETE this INACCURATE ACCOUNT listed below before the end of the 30 day period after receiving this notice of dispute. 

XXXX XXXXXXXX XXXX XXXX XXXX  Acct # : XXXX These companies is in clear violation of the law! 15 USC 1681e Compliance procedures And 15 USC 1681b Permissible Purpose of consumer reports 15 USC 1681e ( b ) Compliance procedures, THE LAW CLEARLY STATES : ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 USC 1681b Permissible Purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I NEVER gave these companies written instructions to furnish this account on my consumer 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 explanation
Consumer complaint received 2022-02-02 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: FL

Complaint narrative:
Upon Recieving a copy of my credit report i discover fraudulent accounts and inquiries on my credit report. I contacted the CFPB and FTC and followed the proper protocols put in place to file a identity theft report. list of fraudulent inquiries from equifax XXXX : XX/XX/XXXX XXXX FCU : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX Services XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
IVE BEEN A VICTEM OF IDENITY THEFT, IVE REQUEST MULTIPLE TIMES TO HAVE AN ALERT PLACED ON MY CREDIT. MEANING NO ONE SHOULD BE PULLING MY CREDIT WITHOUT WRITTEN CONSENT, IVE ALSO SENT MULTIPLE REQUEST TO BOUT TRANS UNION AND XXXX BOUT OF THEM IGNORE MY REQUEST. THEY REFUSE TO INVESTAGTE. PLEASE SEE THE FOLLOWING INQURIES AND DELETE FROM MY REPORTS, AS I NEVER GAVE CONSENT. 

TRANS UNION IQURIES FACTUAL DATA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: RI

Complaint narrative:
Account 'frozen due to risk management ' since XXXX of 2020, have tried endlessly to contact them including providing documents upon documents that they requested from me until they just stopped responding via email. They have over {$500000.00} worth of my assets in the form of cryptocurrency on their platform and will not respond to anything. I have plenty of tickets and corresponding emails where they requested me for identification items that i submitted until they completely stopped responding to me. I opened a complaint before, but they said they requested documents ( i sent them everything they asked for, if they say otherwise, please request what is still outstanding, i have any and all information they could ever need. ) and that i didn't send them, and my cfpb ticket was closed unresolved.

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

Complaint narrative:
This item was disputed in XXXX. I do not believe Transunion performed an actual investigation as XXXX has removed this item from my report, but Transunion has not. This item is erroneous and needs to be removed right away. This is keeping me from qualifying for a mortgage and it is not right.

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 2022-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: NY

Complaint narrative:
It is understood on XX/XX/2021, the Debt Collection Rule became effective clarifying how debt collectors can communicate with me, Attached National Recovery Agency XXXX dated XXXX XXXX XXXX received XXXX XXXX XXXX, intentionally ignored my XXXX communications to XXXX  XXXX that the ONLY/SOLE communication be to XXXX. National Recovery Agency clear intention was to violate Debt Collection Rule anticipating that its attached communication would be lost by USPS so that it could inflict harm on my credit score. 

Each of these XXXX communications stated : " ... please provide by return email to XXXX all evidence of validity of this debt; including but certainly not limited to, all copies of all billings to XXXX XXXX XXXX all insurance billings, all medical records of all alleged service ( s ), all insurance denials and the name and address of collectors you have used. ''

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 2022-02-02 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: Shellpoint Partners, LLC
State: SC

Complaint narrative:
my complaint ID. # XXXX Shellpoint mortgage. 

After the initial complaint from me to cfpb, Shell point investigated my complaint. I received the investigation results back from Shellpoint ( XXXX XXXX XXXX Department ). They stated that they will not remove the late notification on my credit report in XXXX. Their reason was the payment was outside the 30 day payment period. The initial mortgage payment was made on XXXX XX/XX/XXXX but due to the inaccurate information on their IVR it is was not credited till XXXX XX/XX/XXXX. That was when i was notified by another mortgage company I had a late payment. I called Shellpoint ( XXXX XX/XX/XXXX ) spoke to their representative who track down the problem ( inaccurate information on their IVR, there over the phone payment system ). made the correction and i paid XXXX as well as XXXX mortgage payment. Shell point admitted they can see on the record where their representative made the updated changes. Why are they still holding me accountable for the late payment in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: LA

Complaint narrative:
I opened up a dispute XX/XX/2022 concerning the XXXX XXXX account listed on my credit report. It is indeed my account. That was not the reason for the dispute. I disputed the item because I notice a violation of the FCRA exclusions section 15 USC 1681a 2 exclusions states that TRANSACTIONS and EXPERIENCES do NOT go on a consumer report. 
Experian is responsible for reporting correct and accurate information and they are continuously reporting things that shouldnt be reported. I disputed and received a response today stating that the item was verified by the furnisher. Which doesnt give the furnisher nor Experian the right to violation FEDERAL laws and at this point its WILLFUL NON COMPLIANCE of the law which is a {$1000.00} fine each time you keep reporting this. I am seeking a lawyer for representation in this matter as I will be suing if they dont comply with the law.

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 2022-02-02 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: GA

Complaint narrative:
IVE BEEN A VICTEM OF IDENITY THEFT, IVE REQUEST MULTIPLE TIMES TO HAVE AN ALERT PLACED ON MY CREDIT. MEANING NO ONE SHOULD BE PULLING MY CREDIT WITHOUT WRITTEN CONSENT, IVE ALSO SENT MULTIPLE REQUEST TO BOUT TXXXX XXXX AND XXXX BOUT OF THEM IGNORE MY REQUEST. THEY REFUSE TO INVESTAGTE. PLEASE SEE THE FOLLOWING INQURIES AND DELETE FROM MY REPORTS, AS I NEVER GAVE CONSENT. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX HL XX/XX/XXXX XXXXXXXX XXXXS XXXX XXXX, XXXX XXXX XXXXS XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXS XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXL XXXXXXXXB H XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXN XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I opened up a dispute XX/XX/2022 concerning the Capital One account listed on my credit report. It is indeed my account. That was not the reason for the dispute. I disputed the item because I notice a violation of the FCRA exclusions section 15 USC 1681a 2 exclusions states that TRANSACTIONS and EXPERIENCES do NOT go on a consumer report. 
XXXX is responsible for reporting correct and accurate information and they are continuously reporting things that shouldnt be reported. I disputed and received a response today stating that the item was verified by the furnisher. Which doesnt give the furnisher nor XXXX the right to violation FEDERAL laws and at this point its WILLFUL NON COMPLIANCE of the law which is a {$1000.00} fine each time you keep reporting this. I am seeking a lawyer for representation in this matter as I will be suing if they dont comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I had inquiries I didn't recognize on my report when I called Transunion they don't pick up and when I finally get through i get passed around ... no one at Transunion wants to take responsibility for anything. I have sent in an identity theft report and Police report and nothing was done.

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 2022-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: GA

Complaint narrative:
Billed for XXXX XXXX {$160.00} because I booked a room with XXXX XXXX XXXX but there was no proper disclosures until upon arrival so the hotel canceled and returned the money to the 3rd party company XXXX 3rd party booking , so I filed a dispute with PayPal and instead of then returning my money, they erased the entire transaction and kept my money now they keep forwarding me to netspend and other companies. I was asked what the transaction ID was I only have the booking number to the room concerning the transaction that I did not stay in upon arrival. Now no one at paypal not even me knows what happened to my money.

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 2022-02-02 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: TX

Complaint narrative:
FIRST I SPOKE WITH XXXX ACTUAL DISAPPOINTED IN THIER PROCESS TO UPDATE INCCORRECT INFORMATION ON MY PROFILE SPOKE TO LADY IN FRAUD SHE CLAIM I DID NOT SEND RIGHT FORMS WHICH IS NOT TRUE BECAUSE THEY WHERE IN FACT THE RIGHT FORM TO ADDRESS THE THINGS REPORTING INCCORRECTLY ON MY REPORT.EXPERIAN SEEMS TO NOT BE FIMILAR WITH LAW IN REGARDS OF PROTECTING COSUMER RIGHTS ( XXXX ) I -- -INSTEAD OF TAKING TIME TO RUIN MY REPUTATION 15 USC 1681 ACCURACY AND FAIRNESS REPORTING ACT A ( XXXX ) AN ELABORATE MECHANISM HAS BEEN DEVELOPED FOR INVESTIAGTING AND EVAULATING THE CREDIT WORTHINESS, CREDIT STANDING, CREDIT CAPACITY, CHARACTER, AND GENERAL REPUTATION OF CONSUMER XXXX5 US code 1681b-permissible purpose of consumer reports- under this law you never gave a written consent to report anything on your consumer report. No consent is identity theft 15 usc 1681a ( XXXX ) ( i ) exclusion consumer ( individual ) person ( company ) transaction ( payment history ) experiences ( utilization ). 

EQUIFAX STILL PROVIDING GENERIC INFORMATION IN REGAURDS TO INCORRECT INQUIRIES ON MY PROFILE... THE INQUIRES ONLY REPORT ON THERE REPORT ADVISE MY FORMS WAS APPROVE BUT NO FORMAL MOVEMENT IN REMOVING ITEMS THAT I ADVISE WERE INCORRECT ON MY FILE. EQUIFAX ALSO SEEMS TO LACK FCRA KNOWLEGDE AND RIGHT THAT PROTECT CONSUMER FROM BOGUS REPORTING AND INVESTIGATION PROCESS IN BAD INFORMATION ON CONSUMER REPORT ( XXXX ) I 15 USC 1681 ACCURACY AND FAIRNESS REPORTING ACT A ( XXXX ) AN ELABORATE MECHANISM HAS BEEN DEVELOPED FOR INVESTIAGTING AND EVAULATING THE CREDIT WORTHINESS, CREDIT STANDING, CREDIT CAPACITY, CHARACTER, AND GENERAL REPUTATION OF CONSUMER 15 US code 1681b-permissible purpose of consumer reports- under this law you never gave a written consent to report anything on your consumer report. No consent is identity theft 15 usc 1681a ( XXXX ) ( i ) exclusion consumer ( individual ) person ( company ) transaction ( payment history ) experiences ( utilization ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: National Credit Adjusters, LLC
State: NC

Complaint narrative:
I am an identity theft victim.

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

Complaint narrative:
I had inquiries I didn't recognize on my report when I called Equifax they didn't pick up and when I finally get through I got passed around ... no one at equifax wants to take has helped. I have sent in an identity theft report and Police report and nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
It is understood on XX/XX/2021, the Debt Collection Rule became effective clarifying how debt collectors can communicate with me, Attached XXXX XXXX XXXXy XXXX dated XXXX XXXX XXXX received XXXX XXXX XXXX, intentionally ignored my XXXX communications to BMC XXXX that the ONLY/SOLE communication be to XXXX. XXXX XXXX XXXX clear intention was to violate Debt Collection Rule anticipating that its attached communication would be lost by USPS so that it could inflict harm on my credit score. 

Each of these 50+ communications stated : " ... please provide by return email to XXXX all evidence of validity of this debt; including but certainly not limited to, all copies of all billings to XXXX XXXX XXXX all insurance billings, all medical records of all alleged service ( XXXX ), all insurance denials and the name and address of collectors you have used. ''

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 2022-02-02 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: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
I am an identity theft victim.

Company response to consumer: Closed with explanation