vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Recently, I ( XXXX XXXX XXXX XXXX, was denied an extension of credit by ( XXXX*Bank OfAmericaXXXX ) .On XX/XX/2020, I applied for ( **Bank Of America Unlimited Cash Rewards XXXX XXXX XXXX XXXX XXXX Bank Of America is discriminating against me and Bank of America are in violation of the fair credit reporting act. I the consumer and natural person was discriminated against. Adverse action against a consumer is AGAINST THE LAW according to the equal credit opportunity act which is codified in 15 USC 1691c and pursuant to civil liability under 15 USC 1692k. 
You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Bank Of America due to the response I received. 
Bank Of America is in violation of 15 Us code 1642, USC 1681m and 12 CFR 1002 because I the consumer, made an application in good faith and was discriminated against. Further more, because my social security number ( credit card ) was used and I received no benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Bank Of America. 
If Bank Of America fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card. I will indeed make Bank of America & their Trustee criminality and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o

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 2022-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BlockFi Inc

Complaint narrative:
I've initiated Transfer Requests from the Blockfi Wallet  ( " Checking account '', so to speak ) on the XXXX of XXXX at XXXX XXXX, for the amount of XXXX XXXX, XXXX XXXX XXXX, for the amount of XXXX XXXX  and at XXXX XXXX  XXXX XXXX. All of the above sums represent the present values on the account and the completion of the transfer would also mean a transfer fee for each transfer would apply. The Destination of the transfer is towards equivalent denomination in XXXX equivalent account and the Pending Transfer Request marked with the Date of delivery : XXXX of XXXX. 

These were initiated whilst the platform was still operating as normal, at the cusp of the XXXX scandal coming into play. 

It would take a few more days until there would be communication on the platform that operations are paused from Blockfi 's point of view. 

It appears all transfers are blocked, per the following 5. of terms of service, with : " 5. BlockFi and our third-party partners may experience cyber-attacks, extreme market conditions, or other operational or technical difficulties which could result in the immediate halt of transfers and withdrawals of cryptocurrency either temporarily or permanently. BlockFi is not and will not be responsible or liable for any loss or damage of any sort incurred by you as a result of such cyber-attacks, operational or technical difficulties or suspensions of transfers or withdrawals. '' This is extremely misleading. Also it appears that there is a looming XXXX  XXXX for this company ( potentially ). 

From the point of view of the withdrawal process, the funds are in Pending and seeking any support on Blockfi end results in a dead end. An example being the Support chat which for Withdrawals ends in a dead end for the withdrawal process by asking that there can be a validation email sent that can be confirmed. No such email has been requested, have also canceled and retried the transaction for the BAT, on the XXXX of XXXX, in the amount stipulated above, where at both the initial and re-attempt, no such email was sent to validate identity or security related aspects. 

Also, " BlockFi Phone Support is currently unavailable. '' plastered on the website. 

I would like to mention, if at all makes any difference, those wallets are in my name and that they should represent the equivalent of a checking account. I would strongly urge them not to be used to satisfy secured creditors if bankruptcy comes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TRANSUNION is currently reporting that I have : 1. 2 Late payments when I don't 2. 1 collection account, when I have no accounts in collection This information is wrong and needs to be updated.

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 2022-11-19 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: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
Pursant to 18 USC 8, I owe no debt, This company Cane & Weiner is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: CT

Complaint narrative:
I recently seen an account on my credit report that I was unaware of along some inquiries as well. I've filed a report that I will attach below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: CT

Complaint narrative:
I recently seen an account on my credit report that I was unaware of along some inquiries as well. I've filed a report that I will attach below.

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 2022-11-19 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: FC HoldCo LLC
State: TX

Complaint narrative:
These inquires I dont recognize or did not authorize! 
XXXX XXXX XX/XX/2021. 
Flagship Credit acceptance XX/XX/2021. 
XXXX XXXX XX/XX/2021. 
XXXX XXXX XXXX XXXX XX/XX/2021.

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 2022-11-19 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
These inquires I dont recognize or did not authorize! 
XXXX XXXX XX/XX/2021. 
XXXX XXXX XXXX  XX/XX/2021. 
Regional Acceptance XX/XX/2021. 
XXXX XXXX XXXX XXXX XX/XX/2021.

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 2022-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: TX

Complaint narrative:
This report shows a record that is false. 
I am not now nor have I ever been a XXXX XXXX. I have never been charged as a XXXX XXXX. And I have never been convicted as a XXXX XXXX. This is false information. 
It shows in bright red a fine of {$440.00}. 
I am not sure what that would be. 
I received a ticket for no insurance when my husband left me. He canceled my insurance, emptied our account, and changed address on these things. So I never got notified that my insurance was canceled. Nor that checks had bounced. I was given a ticket for no insurance and had 10 days to report to the XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was very ill. And wound up hospitalized for over a week. And had XXXX XXXX XXXX XXXX XXXX. After being released from the hospital XXXX XXXX XXXX for not paying the fine. With stitches from XXXX and everything. I bonded out. And went to the court in XXXX, Texas. Where the judge gave me community service to pay the fine. I did the community service at XXXX in XXXX. TEXAS. THIS HAS BEEN TAKEN CARE OF.

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 2022-11-19 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

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

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 2022-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX Account XXXX 1.Validate Account XXXX XXXX XXXX  Account Number : XXXX : 2.Validate Account XXXX XXXX  XXXX Account Number : XXXX 3.Validate Account XXXX Account XXXX 5.Validate Account XXXX Account XXXX 6. Validate Account XXXX XXXX Account NumberXXXX 7.Validate Account XXXX Account Number:XXXX 8.Validate Account XXXX Account Number : XXXX 8.Validate Account XXXX  Account 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 2022-11-19 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX Account XXXX 1.Validate Account XXXX XXXX XXXX  Account Number : XXXX : 2.Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX 3.Validate Account XXXX Account XXXX 5.Validate Account XXXX  Account XXXX 6. Validate Account XXXX XXXXXXXX Account Number:XXXX  7.Validate Account XXXX Account NumberXXXX 8.Validate Account XXXX Account Number : XXXX 8.Validate Account XXXX  Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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 2022-11-19 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:
There are old accounts on my credit report. 10+ years old that are not valid and shouldnt be showing on my credit report. I have been disputing these for years but the credit agency isnt doing anything. 

Additionally. There are hard hits on my account for the past year that are not mine. Ive complained, no updates from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).

I attached a consumer report as evidence.

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 2022-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BlockFi Inc

Complaint narrative:
I held XXXX usdt in my Blockfi.com Wallet which I requested to withdraw on the XXXX of XXXX 2022. In my pending status it said that my funds were expected to be received on Monday XXXX of XXXX. Following the XXXX bankruptcy, Blockfi also went down and paused withdrawals. However, in the terms of service it states that wallet funds belong to the customer and therefore the customer should be able to withdraw these funds. I have no idea what happened and why I am not getting my funds as promised. Please take this seriously, because it appears that many other users are in the same situation, having their lives potentially ruined because of losing large amounts of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: SC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit score dropped from XXXX to XXXX and I am paying down all credit cards, closed some accounts and I am about to pay my car off. I do not understand this droppage and I see no where to complain on Transunion or no good explanation for how much this has dropped. Everything is paid on time or paid off. THIS IS NOT FAIR WHEN CONSUMERS CAN NOT DO ANYTHING TO CORRECT SOMETHING THAT IS OBVIOUSLY AND ERROR AND CAN AFFECT US THROUGH EMPLOYMENT AND INVESTMENTS!!! We have to pay these companies to get our reports. THIS IS SCAM FOR EVERY CONSUMER!!

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 2022-11-19 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: SC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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