vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-19 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear CFPB Representative, I am writing to formally submit a complaint against Fifth Third Bank regarding an ATM malfunction that occurred on XXXX XXXX XXXX between XXXX XXXX XXXX XXXXXXXX XXXX I attempted to deposit $ XXXXXXXX XXXX at a Fifth Third ATM located at [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ]. Unfortunately, the ATM malfunctioned during the transaction, resulting in the loss of my funds without depositing them into my account. 

Specifically, during the deposit process, the ATM made a pop sound, instructed me to remove my card, but did not return my funds. The ATM did not print an error slip either. My friend, who was with me at the time, witnessed the incident and heard me exclaim that the ATM had eaten my money. I waited for the machine to return the funds, but it subsequently shut down and entered maintenance mode. I could hear the sound of my money being shuffled and counted by the machine before it went offline. 

When the ATM came back online, I printed a balance statement, which confirmed that my account did not reflect the deposited funds. I immediately returned to the Fifth Third branch where the ATM was located and reported the incident to the branch manager. The manager called the disputes department on my behalf, and I was issued a temporary credit onXXXX XXXX XXXX  as an investigation was initiated.

On XXXX XXXX XXXX, I noticed that the temporary credit had been reversed. When I contacted Fifth Third Bank, I was informed that the investigation had been closed, and the bank concluded that the ATM did not malfunction. I requested that they review the ATM footage, as it would clearly show me depositing the funds and the machine going into maintenance mode. However, the representative I spoke to refused to reopen the investigation and denied my request to return my funds. 

After a heated exchange, the representative reopened the case but refused to reissue the credit. That same day, I returned to the branch, where the manager contacted the disputes department once again and provided me with a case number. Despite these efforts, it has now been nearly two months, and I have not received my funds or any meaningful assistance from the bank. 

This experience has been extremely frustrating, and Fifth Third Banks lack of responsiveness and accountability has caused significant inconvenience. I am requesting your assistance in resolving this matter. I would appreciate it if you could intervene to ensure that Fifth Third Bank reviews the ATM footage, reopens the investigation in good faith, and returns the funds that were lost during the malfunction. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Consumer Financial Protection Re : Disputing error [ s ] on credit report Dear Consumer Financial Protection, I am writing to request a correction of the following information that appears on my [ Equifax, XXXX, XXXX ] consumer report : I am a victim of identity theft, and I dont recognize one or more of the accounts on my report. There are four negative accounts on my credit profile that has been causing me financial distress Equifax, XXXX nor XXXX has yet to validate nor send proof that these accounts belong to me. These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are reporting to my credit profile that XXXX, Equifax, XXXX has failed to assist in getting the issue resolved. 

Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Consumer Financial Protection Re : Disputing error [ s ] on credit report Dear Consumer Financial Protection, I am writing to request a correction of the following information that appears on my [ XXXX, Experian, XXXX ] consumer report : I am a victim of identity theft, and I dont recognize one or more of the accounts on my report. There are four negative accounts on my credit profile that has been causing me financial distress XXXX, XXXX nor Experian has yet to validate nor send proof that these accounts belong to me. These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are reporting to my credit profile that XXXX, XXXX, Experian has failed to assist in getting the issue resolved. 

Thank you for your assistance. 
Sincerely, 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 2024-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: OH

Complaint narrative:
I have a checking account with Juno bank, which claims it was backed by XXXXXXXX XXXX  XXXX XXXX. I have {$8200.00} showing in my account, but funds are frozen without any ability to withdraw or transfer. Juno Bank is not providing any details, and keep claiming now that its XXXX XXXX responsibility to give money. XXXX is disputing this, but I as a customer is stuck in the middle. I had opened account with Juno bank, with my account number as XXXX and routing number as XXXX. Please help get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC
State: IL

Complaint narrative:
I previously informed the company that I did not authorize this transaction. Despite this, I have continued to receive persistent inquiries regarding when I intend to make the payment. I request that the company cease these requests and address this matter appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I was a victim of identify theft. I was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and it was during the time this card was opened and closed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
Dear Sir/Madam, on XX/XX/year> I reached out to Coinbase and they responded through their virtual assistant and an agent to my enquiry on whether I would be able to withdraw immediately if I bought XXXX on Coinbase the same day and both responded that yes I would that their existed no restrictions to immediate withdrawals. 
Today the XX/XX/year> I bought {$4100.00} worth of XXXX XXXX and wanted to withdraw them to make payment on an account that generates income for me daily and I was informed that I would only be given access to my funds on the XX/XX/year> by XXXX, I am currently XXXX 
I reached out immediately to their help desk informing that these development was contrary to the representation I was given before transacting. I trade and use these XXXX to earn a living and as a result of their breach of contract I lost my business income today and based on the date they told me I would have access to the XXXX I bought, I would lose an entire week 's income, my trading account would be delinquent for 7 days and my credit rating would be negatively affected. I pointed out all these damages I would suffer as a result of the breach of contract from their end but they refused to listen to me stating it was their policy to put an account on hold for customer protection which I find to be extremely dishonest. 
Kindly use your good office to help prevent a law abiding, hard working tax paying, US Citizen to suffer monumental damages and losses due to the flagrant breach of contract by Coinbase. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting 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: NC

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. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I looked at my TransUnion credit on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act, 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i ( 5 ) they're suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general, If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they're suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

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 2024-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
According to my credit report, WILLIAM & FUDGE INC is reporting misleading and deceptive information. WILLIAM & FUDGE INC is alleging I owe them {$10000.00}. WILLIAM & FUDGE INC has abused and deceived me into believing that I was obligated to pay this alleged debt. This alleged debt has been charged off via 1099 C cancellation of debt to the Internal Revenue Service by the original company. Now WILLIAM & FUDGE INC requires me to pay them. Furthermore WILLIAM & FUDGE INC then shares my nonpublic personal information, transactions and experiences with XXXX, XXXX, and XXXX without my consent furnishing inaccurate and deceptive information while tarnishing my character and general reputation. 

WILLIAM & FUDGE INC is in violation of Fair Debt Collection Practices Act, 15 U.S.C. 1692l ( d ), 1692o ; Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ).

It is illegal for WILLIAM & FUDGE INC to add this misleading and inaccurate account on my credit report. WILLIAM & FUDGE INC has been notified of ; the misleading and inaccurate information, my right to refuse to pay such alleged debt and to cease any further communication regarding the inaccurate information. WILLIAM &
FUDGE INC must cease ANY and ALL collection attempts in
regards to the alleged debts mentioned within.

Congress finds there is abundant evidence of the use of abusive, deceptive and unfair debt collection practices pursuant to 15 U.S.Code 1692. WILLIAM & FUDGE INC has strict liability and must comply with all statutes and regulations set forth. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX  ) - Proof of Claim

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: VA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX Account number : XXXX Balance Owed : {$1300.00} XXXX XXXX Account number : XXXX Balance Owed : {$760.00}

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 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-19 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: GA

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if. ( 3 ) INFORMATION regarding inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-10-19 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: GA

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if. ( 3 ) INFORMATION regarding inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-19 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, TransUnion, XXXX. XXXX, TransUnion, XXXX, has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.

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