vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-04 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: NY

Complaint narrative:
This correspondence serves as a formal follow-up to Complaint # XXXX, filed on XX/XX/2024, which disputed the accuracy of the information in my Experian credit report about a XXXX account ( Account # XXXX ). Experian responded to my complaint by asserting that they had verified the XXXX account as mine and subsequently declined to remove the account from my credit report. However, they failed to provide any supporting documentation, specifically an original contract bearing my wet-ink signature, as required by FCRA regulations XXXX Experian 's failure to furnish the documentation raises serious concerns regarding the validity of their verification process. In light of this, I am formally requesting that Experian provide detailed information regarding the verification of the XXXX account, including but not limited to : 1 ) Copies of any documents utilized for verification, such as contracts or applications, containing my signature. Documentation of any communication attempts with me regarding the account, such as phone calls or emails. 2 ) Identification of the individual who verified the account : Please provide the name, title, and department of the Experian employee who reviewed and confirmed the account 's accuracy with an attestation letter ... Per FCRA 611 ( a ) ( 5 ) ( A ) ( i ), if Experian can not provide the required documentation mandated by law, I demand that they promptly delete the XXXX account from my credit report. I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure compliance with FCRA regulations. Your intervention is crucial in safeguarding consumers ' rights and holding Experian accountable for their failure to provide proper verification methods.

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 2024-05-04 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: IN

Complaint narrative:
Please see attached file.

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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I received the results and noticed that they did not fix nothing. There are breaking FEDERAL LAW and I requested ( Method of verification/the process and procedure used to verify information/name and contact information of person contacted/any contracts bearing my wet signature ) its been over 30 days and I received no response and thats breaking federal law again

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 2024-05-04 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: AR

Complaint narrative:
My world finance account sold my account to a third party 15 USC 1681 section 602A, my right to privacy - 15 USC 1681 section 604 A section 2, which prohibits furnishing an account without written consumer authorization Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: AR

Complaint narrative:
My XXXX XXXX account sold my account to a third party 15 USC 1681 section 602A, my right to privacy - 15 USC 1681 section 604 A section 2, which prohibits furnishing an account without written consumer authorization Account number 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 2024-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
XX/XX/year> I sent XXXX $ through XXXX to a company called Luxury beauty bar that I had seen on XXXX, before sending any payments i asked how long it would take to receive what i had purchased. She stated XXXX buisness days. I never received a tracking number in which I reached out multiple times once i realized i was scammed I reached out my bank and my bank isnt doing anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I received the results and noticed that they did not fix nothing. There are breaking FEDERAL LAW and I requested ( Method of verification/the process and procedure used to verify information/name and contact information of person contacted/any contracts bearing my wet signature ) its been over 30 days and I received no response and thats breaking federal law again

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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I received the results and noticed that they did not fix nothing. There are breaking FEDERAL LAW and I requested ( Method of verification/the process and procedure used to verify information/name and contact information of person contacted/any contracts bearing my wet signature ) its been over 30 days and I received no response and thats breaking federal law again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting 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: 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.

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 2024-05-04 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
Please block and remove the inaccurate accounts that are being reported on my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I noticed some fraudulent inquiries on my credit report that I did not authorize. Please remove immediately.

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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
It's required by FCRA 605B that we remove any incorrect accounts from my credit report. Would you please review the documents? Some of the listed accounts are inaccurate in terms of reporting. I should receive {$1000.00} for each inaccurately reported item on my credit file.

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 2024-05-04 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc.

Complaint narrative:
After restoring my digital wallet which stored cryptocurrencies on XX/XX/24 Blockchain.com removed my 'Know Your Customer ' ( KYR ) verification details. I instantly re-submitted my details ( passport photo etc ) for verification. The company indicated it was dealing with the request and the process would be quick. 

That was back in XXXX. Despite at least XXXX help desk and email requests my verification status is unchanged. 

Because I'm not verified I have no access to my cryptocurrency held by Blockchain.com. This means Blockchain is holding my assets against my wishes. 

I sent a recorded delivery letter to them dated XX/XX/24 stating my concerns and asking for reassurance that the company was still legitimate. I received no response. 

It is my belief that the company has gone rogue but continues to trade and accept people 's money in exchange for crypto assets. 

I should note that BlockchainXXXX  has lost its XXXX XXXX XXXX XXXX XXXX ( XXXX ) approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, am writing to reiterate my position regarding the outstanding invoice for ambulance transportation services rendered to me on XX/XX/year>. 
As previously conveyed, I wish to emphasize that I am not liable for the expenses associated with the aforementioned ambulance transportation service. On the specified date, I was involved in a vehicular accident that resulted in injuries necessitating immediate medical attention. It is crucial to note that the accident was not caused by any negligence on my part, but rather due to the actions of the other driver, who holds full responsibility. 
While I acknowledge the crucial role played by the ambulance services in promptly transporting me to the hospital, I must reiterate that I am unable to assume financial responsibility for these services given the circumstances surrounding the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: 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: CA

Complaint narrative:
I used my card to get my rent money order. By the time I got across the street to another store, my card was turned off. I checked it. It had {$330.00} left. I did not spend the money. I was told the person stealing my money would not be aloud to take anymore. But in the following days, all of my money was gone. I was not aloud to use my card during this time. There was a total of {$720.00} stolen from my account. I did not use XXXX XXXX, the person taking my money used theirs.

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 2024-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Signed up for a subscription with a company called XXXX XXXX and was sent out a box before I could modify or cancel as the items werent suitable for my needs I had the order returned to sender and never touched the items. Charged on XX/XX/13 XXXX .Apparently the bank cancelled my card that week without reaching out to me first for suspicious active and sent out a new card. This played an issue because when the refund was processed it could only be processed to original payment method which was the card the bank cancelled. Since this situation I have reached out to both the bank and XXXX post who acknowledges I am due a refund but they can only return it to that card. The bank had done absolutely nothing to I help in this situation and it is over 6 weeks with this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-04 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: PA

Complaint narrative:
account under XXXX XXXX was to be removed as of XX/XX/scrub>XXXX XXXX XXXX  all along due to first dt of delinquency is past 7 years and the repossession has not been removed

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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is the second time that I'm reaching out to XXXX, XXXX and Experian about, fixing my personal information. because this information was inaccurate, it is effecting my credit score.

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 2024-05-04 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
Could you please remove these inquiries? I didn't authorize them, and I have no knowledge about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I had two fraudulent credit card accounts opened at an XXXXXXXX XXXX XXXX XXXX  on the same day. I called XXXX and was directed to Comenity Capital Bank since they do the credit cards. I spoke to an fraud specialist there and was informed two accounts had been opened the same day. one account was closed due to fraud but the second wasnt and the bill was turned over to a third party called XXXX XXXX  XXXX who gave the account to XXXX XXXX XXXX Comenity fraud dept representative told me that they were attempting to buy back the account due to fraud investigation and that the other account was closed as a result of fraud. I was told to contact XXXX XXXX XXXX but they would send me information on Comenity Capitals side in 7-10 days which I never got. I called XXXX XXXX XXXX who transferred me to XXXX stating they dont manage the account but that XXXX does. I reported the fraud account being opened and disputed the account to both XXXX XXXX and XXXX. I also reported to them that there was another account from XXXX that had been opened on the same day as the debt account they had, that was marked as a result of fraud and closed. I was told my account would be deleted in 2-3 days. 2 days later I got an email from XXXX stating that they verified the debt and provided bills from the account and denied it being Fraudulent and wouldnt remove it and asked for me to setup a payment plan. I provided them with my FTC identity theft report and the discussion I had with the fraud department at Comenity and nothing. The debt is still showing on my credit report and I have gotten zero documents from Comenity, XXXX XXXX XXXX or XXXX not has the account fraud been verified with all XXXX credit bureaus. Now my information has also been part of a data leak and my information is on the dark web and no one wants to help. I have had attempts at my email, fraudulent charges on my debit card which I had to close and false inquiries and information on my credit report. Please help

Company response to consumer: Closed with monetary relief