vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc.

Complaint narrative:
More than a month ago, I was added to an official group of XXXX and TRUST WALLET via XXXX, In the group ( named TRUST XXXX XXXXXXXX ), there were about XXXX members, some from XXXX and TRUST, and some not. 

I was offered to open a wallet in TRUST My main address in the Trust wallet Is : XXXX In addition, same contact that offered me to open the trust wallet offered me to participate in a XXXX  campaign through XXXX  about XXXX weeks ago, and this through a XXXX XXXX The money went from the wallet address to the XXXX, and I could see it through the UI of the XXXX  accumulating profits, When I came to make a withdrawal, many excuses started, and when I insisted they cut off contact. 
Trust support disavow this and ignoring me for the past month

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: NY

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-05-27 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 public record or XXXX XXXX XXXX account is fraudulent due to I have never done business with your XXXX party vendors XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX.. and I never give me them my express written permission to put anything on any of my consumer reports or they should not have any of my personal non public information. 

I do not recognize the XXXX party vendor that Transunion get their data from, nor did i ever done business with them for them to have my nonpublic personal information. The aforementioned account are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that the aforementioned account are the result of identity theft and fraud. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block the said account, in this CFPB complaint from my consumer credit file or consumer report within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to my private email address listed in this complaint.

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 2024-05-27 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: Experian Information Solutions Inc.
State: MO

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 than 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 informationisinaccurate.

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 2024-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I received a letter dated XX/XX/year> from Portfolio Recovery Associates , LLC. In this letter, the said company stated that they were the creditor of this alleged debt that I allegedly owed for the amount of {$350.00}. 

I have never done business with XXXX, XXXX and their claim of being a creditor of an alleged debt that I allegedly owe is considered false representation. I challenge PRA, LLC to produce an agreement that I have with them that expressly authorizes them the right to collect any amount and showcases that they are the creditor the alleged debt under the penalty of perjury. I have attachments to support my claims. 

PRA, LLC has also reported to XXXX, XXXX, & XXXX that I allegedly owed them {$350.00}. PRA 's failure to produce proof that I owe them under the penalty perjury and/or court order while reporting to the consumer reporting agencies is a defamation of character and it's oppressing my reputation financially. 

I am demanding the removal of this item from all consumer reports or I will take legal action according to Fair Debt Collection Practices Act for violations and defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: EQUIFAX, INC.
State: PR

Complaint narrative:
During the last tthree months I have disputing the following account on my credit report which does not meet standards for how an aacount is reported on a credit report.Please remove this account from XXXX XXXX, Equifax and XXXX for inaccurate XXXX XXXXXXXX This account was closed on XX/XX/year> however it is showing delinquent activity after the closed date.Your procedure has allowed this since XX/XX/year> and this has been highly damaging to me.I want this account deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
During the last tthree months I have disputing the following account on my credit report which does not meet standards for how an aacount is reported on a credit report.Please remove this account from XXXX XXXX, XXXX and Experian for inaccurate XXXX XXXXXXXX This account was closed on XX/XX/year> however it is showing delinquent activity after the closed date.Your procedure has allowed this since XX/XX/year> and this has been highly damaging to me.I want this account deleted.

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 2024-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IL

Complaint narrative:
XXXX XXXXXXXX thru XXXX activity and XXXX to transfer chime I have no active chime account or transfer activity and we see transfer activity via XXXX XXXX  checking transfer without my permission Absolutely fraudulent activity. And enclosed pic shot and actual transaction report to XXXX XXXXXXXX bank he denied due transaction Is not my authorized transfer chime Is fake and fraud action required by XXXX XXXX and chime play me fraud active transfer XXXX chime

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

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 2024-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase bank fraudulent activity report I reported to chase several time my transaction is not my authorized and chase transfer and allow without my permission either debit and checkingtgeybnoever provided me safe way banking. Never refunded my XXXX XXXX payment 3 times not be refunded as fraudulent And closing my account and charge fees Plus my pay is stuck in bank. 
Now XXXX suffering my money back Chase is worst banking I have never seen them before

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
on XX/XX/XXXX I filed a claim regarding XXXX transactions being made after my wallet was stolen on XX/XX/XXXX. On XX/XX/XXXX my claim was denied and then I sent a police report to show I had evidence that my card was stolen. XXXX XXXX still denied my claim so I called customer support. They told me my claim was denied because there were charges on my debit card using the pin after my card was stolen. XX/XX/XXXX I called them back after going through my account. I found that any purchases I made after XX/XX/XXXX were all made using my digital wallet or the card number which was on file with certain companies. I tried to file another dispute with XXXX XXXX they told me that because the claim was made last year that the case was closed and the decision was final.

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 2024-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
CREDENCE RESOURCE MA keeps trying to pin me to a debt that doesnt belong to me i have been able to successfully dispute this matter with 2 credit bureaus and they keep trying and trying to attach this debt to my credit profile i can not dispute this debt with XXXX no matter how many time i dispute this debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 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: GA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX whom it may concern, I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as open, but also shows a balance of XXXX. According to the FCRA, I have a right to an accurate report. Please remove XXXX XXXX XXXXXXXX acount immediately from my TransUnion report. Please provide me with a new copy of credit report reflecting this account removed upon completion.

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 2024-05-27 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: NY

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 than 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 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 2024-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was selling my car on XXXX XXXX. 
I was having a buyer, he sent me a cashier 's check. 
I went to Bank of America branch at XXXX XXXX, XXXX XXXX XXXX NJ XXXX, United States I deposited the cashier 's check on XXXXXXXX XXXX XX/XX/year>. 
On XX/XX/XXXX, check was cleared ( see screenshot ) At this point I was confident as the check was cleared, I was thinking BofA mades all the necessary verifications to validate the money is legit and here. 
The buyer asked me to send some money to the car mover to pick it up. I sent XXXX  XXXX through a XXXX  transfer. 

On XX/XX/XXXX, BofA changed their mind and check was returned! 


I went back on XX/XX/year> to see why the check was cleared then returned and what I can do about it. 
XXXX told me there nothing to do about it even though I made a XXXX transfer to the " movers ''. 
I end up loosing the XXXX XXXXXXXX On this same day, I went to the XXXX XXXX XXXX NJ Police department report this scam. 
To this day, the investigation is still ongoing and the Police is trying to track down the scammer and where the money went. 
They have an ongoing request at XXXX. 

Police detective told me a week ago that I can do a claim about this to Bank Of America, which I did few days ago and they denied the XXXX claim. 
( I didn't do any before as the cashier 's at the branch told me, there's nothing they could for me ) BofA has clearly failed to make the security verification on the cashier 's check. 
They could easily track down where the money went through the XXXX transfer and get it back.

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 2024-05-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

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 2024-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have had this credit card for 8 months, and I have spent over {$40000.00} on various business expenses related to my work travels. Given the frequent need for car rentals, hotel bookings, and meals while on the road, it would greatly benefit me to have a higher credit limit. Having a convenient credit card with an increased limit would allow me to manage my expenses more efficiently and eliminate the need for frequent credit limit adjustments. I take pride in my timely payments and have never been late on any payment so far, which further supports my request for a credit increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
I have been a victim of identity theft and I have reported this incident several times no one is to allow anyone to open any type of telecommunications accounts under my name I have been framed ny XXXX XXXX XXXX XXXX XXXXXXXX you name it Ive tried to solve this issue by placing a block on my credit and this does not seem to work no one should be able to open these types of accounts under my name and yet they still are able to do so and its not fair to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 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: EQUIFAX, INC.
State: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 public record or XXXX XXXX Bankruptcy account is fraudulent due to I have never done business with your 3rd party vendors XXXX XXXX XXXX XXXX XXXX and I never give them my express written permission to put anything on any of my consumer reports or they should not have any of my personal non public information. 

I do not recognize the 3rd party vendor that Equifax where they get their data from, nor did i ever done business with them for them to have of my nonpublic personal information. The aforementioned account are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned account are the result of identity theft and fraud. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block the said account, in this CFPB complaint from my consumer credit file or consumer report within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to my private email address listed in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX- {$2000.00} - XX/XX/24 - disputed with the credit bureaus and company for debt validation - informed them that this was not me and was a victim of identity theft with a copy of the report attached and they refused to take it off my credit report.

Company response to consumer: Closed with explanation