vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I recieved a copy of my credit report. To my surprise, you are reporting an account incorrectly. This account is reporting not only as OPEN, but also shows a past due balance of {$10000.00}. According to the FCRA, i have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2024-04-19 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: IL

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 2024-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My sister sent me {$550.00} so that I could make an emergency trip to XXXX. This is a time sensitive issue and I needed the money to make my travel plans. She sent the money to me via Venmo. When I tried to transfer the money to my bank account via instant deposit on a debit card, I was denied. I tried a different debit card, and was also denied. I spoke to their customer service and I was told that the transfer was held on their end, but given no further information. I was also told there was no way for their customer service team to override the system. Again, I completed a transfer the night before, and while I am not a regular user of their service - given their appalling and completely XXXX XXXX XXXX XXXX XXXX XXXX  attitude when it comes to customer service- I have sent and received money from my sister before with no problems. To reiterate, this is an emergency situation. I lost my wallet sometime in the past week and am reliant on these digital transactions until my new cards arrive. Venmo is holding onto my money arbitrarily and not giving me any justification as to why. Every minute I waste trying to resolve this situation is a minute I could be spent getting to XXXX, and I don't have the time to waste.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I recently pulled my credit report and noticed inaccurate information being reported by XXXX from an alleged account From XXXX XXXX XXXX XXXX XXXX is reporting that the account was closed XX/XX/year> until now, while Equifax is reporting on time payments in XXXX. Both of these can not be correct so with that being said i understand Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. with this, XXXX is not following the consumer right law and I would like for this information to be DELETED immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I had an account with XXXX that went to a collection agency called XXXX. On XX/XX/XXXX I paid the remaining balance of {$2100.00} and I have documentation they sent me regarding receiving the payment. On XX/XX/XXXX the payment was received by XXXX and I called them multiple times to ensure this was the case. Since then Experian still shows I owe that balance although paid. When I called XXXX as to why it shows in their system that there is no balance, but being reported to Experian that there is, they said, " it was nothing they could do on their end, but that the account has no balance ''. So I decided to dispute with Experian. I disputed with Experian regarding this on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and submitted the document located below to support, yet they said it will " Remain ''. I have screenshot on my phone showing the balance has not been up dated on Experian since XX/XX/XXXX. This is concerning and suspicious to me because why was it updated every single month when I was in default on the account, but yet it stops reporting the balance once the account is paid in full with collections. I have no other options other than to report because nothing I have tried has worked with Experian. If I dispute it and give the receipt of payment if they actually checked then why would it still say the balance hadn't been paid or updated since XX/XX/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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow.

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be 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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION
State: IL

Complaint narrative:
On my Consumer Report, this lender/bank/company are reporting chargeoff/canceled debt. So I contacted them about the 1099C that they are supposed to send to me per IRS Publication 4681, to file on my tax return as income. I have yet to receive it! So I would like to report suspected tax fraud. I also would like to report inaccurate reporting of information per Title 15 USC 1681 s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
My issue is I called on Tuesday XX/XX/XXXX to close my BMO Harris account. I called the next day on the XXXX to verify my account is closed. Today Friday XX/XX/XXXX I was charged two payments that I can't afford. I spoke with XXXX in the XXXX department and she admitted that my account should have been closed but doesn't know what happened. The only thing she said was that she was sorry and I have to bring my account current. She said she was unable to freeze my account or stop any fees from occurring. She said there is no one above her to speak with. There was no resolution. She was unable and unwilling to help me. I believe a fair resolution would be for my account to be closed without me having to pay anything. I believe this is fair because this is how it should have been in the first place. I called when my account was current and 3 days before anything should have came out. Now I am stuck to deal with

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 monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I've always made sure that payments on this account are made on time, never allowing them to become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error should be corrected.

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 2024-04-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act ; Speedy Cash XXXX XXXX  has violated my rights. 

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

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

Requesting all derogatory accounts be removed from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been a victim of identity theft, which resulted in fraudulent accounts being opened in my name. These accounts have been erroneously reported on my credit file. I have diligently submitted an FTC Identity Theft Report and a police report to Experian as proof of this criminal activity. Despite multiple attempts to rectify this situation through the proper channels and providing all necessary documentation, Experian has not removed the fraudulent accounts from my credit report. 

Specifically, I initiated the dispute process on XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and provided detailed evidence of the theft. In addition, I have followed up with Experian on XX/XX/XXXXXXXX XXXX XXXX but my requests have been repeatedly dismissed or ignored. 

The refusal to remove the fraudulent accounts has severely impacted my credit score and is significantly affecting my ability to conduct financial transactions. The continued presence of these illegitimate accounts on my credit report is not only inaccurate but also unfair, considering the clear evidence of fraud presented. 

I am now seeking the intervention of the CFPB to address this matter, as the unresolved issues with Experian are causing ongoing harm to my financial reputation. I hope that this complaint brings to light the challenges victims of identity theft XXXX face with credit reporting agencies and leads to a swift resolution of my case.

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 2024-04-20 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: FL

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: IL

Complaint narrative:
I have several accounts with ETRADE. My savings, ROTH, and brockerage accounts were locked due to the following error message " Due to unusual account activity, certain features may be disabled until we are able to speak with you. Please call E*TRADE Account Activation Services at XXXX, Monday through Friday, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on the weekends. Outside of business hours, call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' The account has been locked for over 2 weeks I have called 3 times and each time the customer service representative has not found a reason why my account has been locked and needs to " talk to leadership '' or " talk to another department '' in order to unlock it. Each time they have failed to either call back nor resolve the issue with the account. An extensive KYC questionnaire was verbally given to me in XXXX and all questions were answered to their satisfaction. Current representatives acknowledge that there are no further questions to discuss and their doesnt seem to be a reason why the account has a hold on it..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: IL

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 non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I was messaged by a person on XXXX who wanted to buy my artwork. He wanted it minted as NFTs on XXXX which is a website for selling NFTs. 

He stated crypto was his preferred currency. And he instructed me how to set up a crypto account, wallet. 

I received an email claiming to be from XXXX stating his payment didnt go through since I had to pay a gas token. He said the gas token was essentially a transaction fee. 

He showed me how to transfer money from my bank account to my digital wallet to turn it into Etherium to pay the gas token. Then he said it didnt go through again. More emails came. And stating I needed to pay further increments each time to complete the gas token fee. 

It amounted to {$2600.00}. I used the crypto wallets from the company Coinbase. 

I was defrauded and have all the screenshots and the saved conversation from XXXX as well as all the emails saved. I also have emails saved from XXXX stating these emails didnt come from them. 

He acted like I never sent money but at the same time kept saying if I sent crypto to him hed be able to get it back. I did not send any more. 

His XXXXXXXX XXXX is still active.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: IL

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