vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: INTERCONTINENTAL EXCHANGE, INC.
State: NY

Complaint narrative:
Invested in Bitcoin via US Company ICE ( The Intercontinental Exchange ) starting in I think XXXX. A few times adding up to like XXXX. XX/XX/XXXX last investment and then tried to sell. They said I needed to pay taxes first which I did for just over XXXX. Then after that I was expecting my sell transaction to go through but they came back saying XXXX required a deposit to verify the money and confirm no money laundering going on. They required XXXX... .I came up with half but I don't have the rest and I reached out to XXXX and they say they don't require deposit and don't freeze accounts, but ICE still says they need this deposit. So I may have been taken. Hope you can help, maybe verify if deposit is required by XXXX but email I recieved from them says no. BTW I was sent to you by Financial Crimes Enforcement Network of US Treasury. Balance at time was XXXX XXXX Dollars.

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 2023-07-24 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: Prosper Marketplace, Inc.
State: KY

Complaint narrative:
Between the month of XX/XX/2023- XX/XX/2023 significant payments were made to my prosper credit card that processed. Later Im told all payments reversed and I owe all past payments. I need to have this 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 explanation
Consumer complaint received 2023-07-24 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I need to remove a fraud alert that was placed XX/XX/2022 off my credit report. It's stopping me from progressing in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
Ive been with the brokerage platform Robinhood for some time now and around the XXXX of XXXX I was restricted on my account due to security issues ( I was trying to withdraw my money not knowing how to use the new card update feature ( also on the XXXX ) I submitted them all the proper documentation such as ( a selfie, my license, and XXXX different bank statements ) shortly after I call them and they tell me that theyd push my case through faster only to still be locked from obtaining my money Ive told them numerous times I just want my funds Ill no longer use the platform.. however now when I attempt to contact them they dont give me any calls nor emails and my account is still locked! I cant do anything They do not help at all I just need my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXX XXXX  XXXX XXXX Apt XXXX, XXXX XXXX, GA XXXX. 

I am also showing an incorrect EMPLOYER of XXXX that needs to be deleted. 

Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.

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 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of the West clearly has no fraud prevention in place. My account was scammed with the same {$19.00} ( {$19.00} for the last one ) charge to XXXX XXXX or something 9 times. This resulted in my account being overdrawn, and they have charged me crazy fees for this. They also charged me a fee for check being cleared and then put on hold by them, even though they sent letter saying they wouldn't. After speaking to them, they did not reverse the charges or remove the fee! I'm out hundreds of dollars from the theft and the fee for the theft causing an overdraft fee. The only different event I used my card for was the ATM at bank of the west. Now I can't put gas in my car, buy food, nothing until my next check as they allowed me to be robbed and then robbed me with fee!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
I saw that on XX/XX/2023 a company called Southwest credit system added a collection to my credit. For XXXX which XXXX was on my credit years ago! Then XXXX removed it from my credit years ago. Then on XX/XX/2023 Southwest credit system put me in collections again for XXXX for the same bill. I have not received any phone calls or anything in the mail about this. Just boom its there again. XXXX has been removed from my credit years ago. Thanks for any help about this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: ID

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have an interest-only home mortgage with Wells Fargo XXXX XXXX of the main features I wanted with this mortgage was the ability to pay down the principal and recast the monthly payments. I was reassured by my banker, XXXX XXXX, XXXX ID XXXX, that this was possible. In fact, in his initial emails, he had the following in his signature : " We have a free recasting service that allows you to buy your principal balance down by {$20000.00} or more, where we will re-amortize the monthly principal and interest payment based on the buydown amount ( essentially will lower the principal and interest payment based on the buydown amount without making you go through a full refinance ). This is a free service that you can take advantage of as many times as you want. '' I attempted to do this and was told this is not possible with my mortgage before the XXXX interest-only period is over. XXXX misled me during the application process.

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 2023-07-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-24 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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello please remove the old account reporting on my TransUnion consumer report for XXXX. The account number is XXXX and is old that needs to stop reappearing on my Consumer Report. Also, TransUnion has the incorrect contact information for this merchant, therefore needs to be removed because of all the inaccuracies.

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 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Yesterday on XX/XX/XXXX, I wanted to purchase a XXXX XXXX XXXX from XXXX XXXX and saw a seller that had it, her name was XXXX XXXX, i decided to message her and tell her to send me additional photos and she did but when i asked her to show more she decided to not and call me rude things such as who does this and why do you need proof as I have the item already? However after that she blocked me and refused to give me money after I made the transaction through XXXX. I have already contacted XXXX but they are not cooperating with me. The purchase amount was {$38.00} through friends and family. The seller was eventually a scammer who I knew nothing about until I saw today about a post on her. Please do help, this amount of money is not a joke 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 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
Hi my name is XXXX XXXX. I have been a member with USAA for 7 years and I opened a credit card ending in XXXX with USAA bank . I am unable to get an accurate credit report because USAA removed it from my credit file. I am now on my 2nd on time payment and I was informed by XXXX, XXXX, and XXXX that USAA has not sending them information. My credit score is not correct for these reasons. PLEASE REPORT MY CREDIT CARD AND PAYMENTS IMMEDIATELY OR I WILL STOP MAKING PAYMENTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was approved for a Loan Modification and Then it was dismissed due to the XXXX XXXX who abandon the property eten years ago was on loan. I provide a Quit claim and divorce XXXX  and my son who is military who also lives with me. We did not receive help or letter stating that the home was in foreclosure I had ask the foreclosure for the re entry team to call or send a new package for the to take to court so that courts can get XXXX XXXX to sign the loan modification. Please help with save my home. I do not want to lose my home. My son will who is XXXX live here in this home also

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 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am trying to open an account with Bank of America. About 5 years ago I opened 2 accounts. I am trying to pay off the balance so I am able to rebuild my banking relationship. I would like to work with one person to get this resolved. 
Someone with experience only should reach out to me directly at 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 2023-07-24 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-07-24 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: 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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:
In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have told XXXX, Transunion, and XXXX to investigate these accounts : XXXX XXXX : XXXX and XXXX XXXX. However, they stated everything was complete and accurate. That can not be correct, because the date opened, delinquent payments, and remaining balance are inaccurate. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 802 A States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 It also states that a reporting agency can not furnish an 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 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 reporting agency if the person knows or has reasonable cause to believe the the information is inaccurate.

Also they aren't in compliance with metro 2 credit report. I have evidence to prove 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