vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-20 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: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXXXXXX XXXX, AZ 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX, AZ XXXX 3. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/2021 Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
5. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ 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 2022-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CONST LLC
State: CA

Complaint narrative:
XXXX is a peer to peer lending company that uses borrowers crypto to collateralize loans from investors ( like myself ). 
I've been investing with them for almost two years and currently have {$17000.00} tied up in lending products with XXXX. 
As of two days ago we received an email saying all business operations have been ceased and no withdrawals or deposits will be allowed. 
They said they'll update customers within 10 days, but no one can reach anyone of significance at the company to find out any more details. It appears the company has scrubbed their XXXX page and the XXXX pages of top executives. All collateral and client 's investment funds are supposedly held at or processed through XXXX XXXX XXXX ( registered SEC company ). XXXX XXXX keeps telling us to contact XXXX and won't give us any information, so we have no way to find out what's happening with our funds/collateral or if everything is gone. We have a XXXX channel up where people are gathering evidence, documentation, etc. This is probably the best place to start to get a broad view of what's happening. Details below. 

Discord channel : XXXX XXXX XXXXXXXX XXXX website : XXXX XXXX XXXX  CONST LLC ( Business ID : XXXX ) Formed in Delaware XXXX XXXX XXXX US Business address XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Phone XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX Founder - other company : XXXX XXXX XXXXXXXX XXXX XXXX XXXX website : XXXX XXXX XXXXXXXX XXXX XXXX XXXX SEC registration : XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX : XXXX # RegulatoryActions XXXX 'Cease of Operations ' email received by all investors : " Dear XXXX Users, Given the collapses of several cryptocurrencies so far this year and the rapidly deteriorating market conditions that have been prompting heavy withdrawals across all crypto lending and crypto exchange platforms recently, we are sad to inform you that we are unable to continue to operate our business as usual. As such, we are limiting our business activities, including pausing user withdrawals as allowed under our Terms of Service. 
No deposit or investment request will be processed at this time. 

Our team is working diligently towards our objective of maximizing value for all of our Users, and our top priority continues to be to protect your interests. As we explore all options available to us, we will provide updates to you as we go. 
We hope to communicate with you within the next 10 business days on the next steps to address the situation. We appreciate your patience in this trying time. 

Sincerely yours, From XXXX XXXX XXXX XXXX XXXX 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: Untimely response
Consumer complaint received 2022-11-20 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: WA

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX i I do not make this inquiry. 
XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX. The following personal information is incorrect XXXXXXXX XXXX  XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX. The following personal information is incorrecXXXX XXXX XXXXL XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX. The following account is not mine US DEPT ED Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this 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 2022-11-20 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: WA

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX 4. i I do not make this inquiry. 
XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
5. i I do not make this inquiry. 
XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: WA

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX i I do not make this inquiry. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect XXXX XXXX  Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX. The following personal information is incorrect XXXX XXXX  Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX. The following personal information is incorrect XXXX XXXX  Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX. The following account is not mine US DEPT ED Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX, WA XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this 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 non-monetary relief
Consumer complaint received 2022-11-20 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: CA

Complaint narrative:
I demand that the following account ( XXXX ) /file ( XXXX ) be deleted, all collection efforts cease and any information about this account ( XXXX ) /file ( XXXX ) sent to credit agencies/bureaus be removed immediately!! 
XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$5100.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XXXX XX/XX/XXXX {$19000.00} XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX  XXXX XX/XX/XXXX {$5800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: CA

Complaint narrative:
I demand that the following account ( s ) /file ( s ) be deleted, all collection efforts cease and any information about this account ( s ) /file ( s ) sent to credit agencies/bureaus be removed immediately!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BlockFi Inc
State: WA

Complaint narrative:
BlockFi has paused withdrawals and not honoring withdrawals done before the pause. 

On XXXX, I withdrew the amount of {$14000.00} in the digital currency XXXX on BlockFi they sent a ( clearly fake email ) saying it was canceled due to " not completing identity verification ''. I never received this verification. I was only sent texts to click a link if it was fraudulent or ignored and they would move digital currency to XXXX. Now I am unable to re-try the withdrawal due to the withdrawal pause. 

I made this withdrawal BEFORE BlockFi paused withdrawals for all my funds. This also included moving XXXX {$3800.00} and XXXX {$2200.00} to XXXX. These withdrawals have still not gone through but were initiated before the withdrawal pause they put in place. I'm guessing I will receive a " You did not complete the identity verification '' or some other notification to swindle me. 

I took a big chance on this company even defending them during these XXXX issues and they promised in online threads that our money was safe. I would just like them to honor my withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
So I disputed this claim with XXXX XXXX and they removed it and then went a sold it to Credence Resource Management. This is fraud and not my accountant

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against 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 2022-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GreenSky, LLC
State: CA

Complaint narrative:
I was thrown into collections after I called to make a payment. I was scolleded by the customer service representative for being late. I told her why do you think I'm calling to make a payment and why is she scolding me for lateness when I'm attempting to make a payment. So she did not like I was assertive in expressing to her she doesn't have to try making me feel bad and I don't need a lecture. I felt that after my conversation she was going to throw me in collections and I was correct. Due to this aggressive employee who had the power to report for any reason she did. Because of her taking the power to feel as if she's calling the shots I was reported. She is the reason why my credit report is negative. I suffer from XXXXXXXX XXXX XXXX I have not had the XXXX XXXX to address this problem because I'm so XXXX I ignore. She has caused me stress and a bad negative reference that you still reporting to this day. If it had not heen for a XXXX I would have continued payments. Stop reporting me you did damage already. I'm tired of unprofessional XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : Fed Loan Servicing Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX5 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation