vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-19 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: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 XXXX XXXX Balance XXXX {$140.00} ; XXXX XXXX XXXXXXXX XXXX XXXXBalance : {$0.00} ; TELECOM SELF-REPORTED ( Original creditor : XXXX  ) XXXX Balance : {$73.00} ; TELECOM SELF-REPORTED ( Original creditor : XXXX ) XXXX Balance : {$20.00} ; TELECOM SELF-REPORTED ( Original creditor : XXXX ) XXXX Balance : {$1100.00} ; UTILITY SELF-REPORTED ( Original creditor : XXXX ) XXXX Balance : {$250.00} ; UTILITY SELF-REPORTED ( Original creditor : XXXX  ) XXXX Balance : {$40.00} ; XXXX XXXX XXXX  ( Originalcreditor : XXXX XXXX XXXX ) XXXX Balance : {$720.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX  Balance : {$1300.00} ; XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief
Consumer complaint received 2023-08-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Credit Karma, LLC
State: NY

Complaint narrative:
I have a savings account thru Credit Karma with them using MVB bank to service those accounts I've learn.. I had {$6000.00} in the account {$28.00} is interest i received. On XX/XX/2023 around XXXX pm I check my account as I always do time to time and to my surprise I saw someone had stolen all my money. the day before on XX/XX/2023 someone had made a full unauthorized withdrawal and closed the account. Now the way Credit Karma is set which i learned the hard way is they do everything possible to avoid customers from talking to corporated just basic chat helpers. so i open a chat and he or she found was a request for a paper check which I said I did not request a paper check and that makes no sense because my Chase account checking is link up and transactions are almost instant if I wanted money. So they request my mailing Address and said they need to send it to the higher ups. XXXX later I did find a number to call but its just to basic support so I call anyway just to confirm with a live person and I got the case number they said they ( Higher Ups ) will contact me thru email. Now its been XXXX business days past. All of a sudden I check Credit Karma to see my savings account history which even if the account is closed you still see the history of all transactions. Guess what, the saving account page is now blank and I mean blank no letters, icons just white. Its been like that for two days and i check the mobile and PC website to confirm that its not a glitch on my end as if XXXX. is trying to hide something. I was going to take a snapshot for my records but of course they beat me to it and covered their tracks. but my bank statement with XXXX shows my money going in credit Karma anyway. My end result is I want all my Money. They Claim all over the place their FDIC insured but I get not update thru my email, their is no number for corporate. I im hoping CFPB has any access their curtain of secrecy and see whats going on. I work hard as a small bus driver simple life. and $ XXXX in this economy is a whole lot of money. I need help let me know what I can do for you to do that please. 
I have include picture on my statement straight thru to see all deposits and im sincere XXXX and XXXX. these date show I deposited a total of {$7500.00} withdraw a total of {$1500.00} leaving {$6000.00} in Credit Karma. 
Also their Address according to the website is : Credit Karma XXXX XXXX XXXX XXXX XXXX, CA XXXX Tel # ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX account credit card I have requested for all late payments to be remove since XXXX of XXXX. 
i was XXXX due to covid on the XXXX and wasnt able to work, I have over 7 late payments reporting since XXXX of XXXX. I have file disputes sent in docs and still have been denied. I am requesting for this information to be removed off my credit files. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX payment XXXX $ monthly

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 2023-08-19 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX account credit card I have requested for all late payments to be remove since XXXX of XXXX. 
i was XXXX XXXX XXXX XXXX XXXX XXXX XXXX and wasnt able to work, I have over 7 late payments reporting since XXXX of XXXX. I have file disputes sent in docs and still have been denied. I am requesting for this information to be removed off my credit files. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX payment XXXX $ monthly

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 2023-08-19 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX account credit card I have requested for all late payments to be remove since XXXX of XXXX. 
i was hospitalized due to covid on the ventilator and wasnt able to work, I have over XXXX late payments reporting since XXXX of XXXX. I have file disputes sent in docs and still have been denied. I am requesting for this information to be removed off my credit files. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX payment XXXX $ monthly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The issue is causing me significant XXXX  and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 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: FL

Complaint narrative:
I need to let you know about some wrong things on my credit report. XXXX says I was 60 days late on Experian, but XXXX shows XXXX XXXX XXXX XXXX and 30 days late. Both are not right. 

I learned that the law ( 15 USC 1681e ( b ) ) says it has to be correct. But this account has different dates and names everywhere. Ill send pictures to show it.

I dont think this should be on my credit. The law ( 15 USC 1681e ( b ) ) says so too. Can you also make sure nothing changes or stays wrong? I want everything about this company taken off because of the mistakes.

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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I'm frustrated because my consumer report still contains incorrect names and addresses, even after I submitted my driver 's license and disputed the wrong information about a month ago. The company already has my accurate details, so it seems like they're not making the effort to do their part. They should be following the rules outlined in the FCRA to ensure they delete information that's wrong, incomplete, or unverifiable. While they did remove one inaccurate entry from my report, they haven't fixed all the mistakes, which I consider lazy on their part. This should be the last time I have to dispute these incorrect names and addresses. They already have the right information from my driver 's license, so it's frustrating that they're not being fair and doing their job properly. It shouldn't be difficult for them to review a report and remove information that doesn't match what I provided to them.

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 2023-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I called Cap1 credit card division when I realized my checking account paid an auto payment of {$160.00}, {$50.00} OVER MIN pymt due & also made a {$210.00} payment, not realizing I had signed up for Auto Pay. I can't remember when I ever, ever bounced my checking account. However, I've been having issues remembering things in the last few years. I called Cap1 to see if they would send back the {$210.00} second payment made on XXXX 3rd.due date. The agent checked to see if he could reverse the payment or refund online, the way my bank, XXXX XXXX XXXX, paid the {$210.00} on the XXXX. He called my bank & we listened to what checks went thru & the {$210.00} & the {$160.00} auto pay both cleared. 
He then told me to call back he now would have to 'mail ' by check my already cleared money. A nasty lady got on the phone & said I would receive a check in the mail in XXXX days. Today, the XXXX of XXXX I received a 'letter ' saying they were sending the check thru the mail. 98 % of the time I NEVER receive the credit cards they send me & all for XXXX  % interest!!! HELP. I DoNot want to have Cap1. They always charge {$40.00} late fee even if it's XXXX minutes late, 29 % interest which I did NOT originally sign up with. I doubt I will ever see that check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them 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 2023-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BAM Management US Holdings Inc.
State: NC

Complaint narrative:
I created an account with Binance transferring {$1000.00} over to it. A few days later the bank I tried to transfer funds from put a hold due to Binance not being recognized as an established financial institution and flagged it as fraud. I tried my other bank and received the same outcome. Based on this I questioned moving forward with this company. 

I had already traded for XXXX within the account as they allow immediate access to funds you preload with. The trade I made increased in value and because I was unable to fund the account ( since all my banks would not transfer money to this company ) Binance closed the account and liquidated the funds and the surplus would go to them since the account was not funded by my bank. 

Now, XXXX months after this I am being told I owe {$28.00} due to them not being able to recapture all of the {$1000.00} that was funded. When I log in to download the data, it shows no trade data. After requesting from Binance there own data shows a positive amount after the account was liquidated. I have requested this data from Binance with an explanation of where the {$28.00} is coming from as it is not shown on the attached statement they provided. 

- I was never notified of any negative amount until I received a call from a debt collector, keep in mind Binance has all my personal information - There is no record of any of this data on the website once I download the trade data. It only became available after speaking with a supervisor at Binance - The data provided by Binance shows no such amount of the above {$28.00} see attached data

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-08-19 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2023-08-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 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: MI

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX {$44000.00} ; XXXX XXXX XXXXI XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries 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 explanation
Consumer complaint received 2023-08-19 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter. Please remove them promptly and ensure that they do not reappear.

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