vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: AMALGAMATED TOKEN SERVICES, INC.

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am reaching out to seek your guidance and assistance regarding a dispute I have with CoinList, a cryptocurrency exchange platform licensed and operating in the United States. As a resident of XXXX, I find myself in a challenging situation due to the international nature of this issue. 

On XX/XX/XXXX, I attempted to withdraw a sum of XXXX XXXX from my CoinList account ( XXXX ) to my personal wallet ( address : XXXX ). Despite waiting beyond the typical processing timeframe, the transaction has not been completed, nor have the funds been returned to my CoinList account. My efforts to resolve this matter through CoinLists customer support have been unsuccessful, as I have not received any response to my inquiries. 

Given that CoinList operates internationally and is subject to regulations in multiple jurisdictions, including those where they are licensed to do business, I am seeking advice on how to proceed with filing a complaint from outside the United States. The Washington State Department of Financial Institutions directed me to your agency for potential guidance or resources available for international consumers facing disputes with financial entities licensed in the United States. 

Could you please advise on the following matters : Is there a mechanism through which an international consumer can file a complaint against a US-based financial entity like CoinList? 
Are there specific steps or procedures that I should follow to escalate my complaint given my non-resident status? 
Do you offer any resources or support for consumers in my situation to help navigate the complexities of international financial disputes? 
Any assistance or information you could provide would be greatly appreciated, as I am currently at a loss for how to reclaim my funds or engage effectively with CoinList to resolve this dispute. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
i start having problems with my phone took it to the phone company and got a new phone and in XXXX  or XXXX someone start open up credit card in my name and from there it just been horriable

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent letters to the credit bureaus to get the following inquiries removed:
EQUIFAX:
XXXX XXXX XX/XX/24 XXXX XXXX XXXX XX/XX/24 XXXX XX/XX/24 XXXX XXXX XXXX XX/XX/24
XXXX: 
XXXX XX/XX/24 XXXX XXXX XXXX XX/XX/24 XXXX XX/XX/24

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have discovered discrepancies in how my personal information is reported across all three credit bureaus. My name, address, and possibly other details are inconsistent. This inconsistency undermines my ability to manage my credit effectively and may impact my creditworthiness. I am seeking assistance to rectify these discrepancies.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have discovered discrepancies in how my personal information is reported across all three credit bureaus. My name, address, and possibly other details are inconsistent. This inconsistency undermines my ability to manage my credit effectively and may impact my creditworthiness. I am seeking assistance to rectify these discrepancies.

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 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
Starting XX/XX/XXXX to XX/XX/XXXX {$37000.00} was fraudulently stolen from my account using ATM withdrawals. I filed a claim that it was fraud and sent over my picture ID, receipts, itineraries, and other evidence backing my claim. The transactions all took place in California and at the time I was living out of state. Everything I sent had dates and addresses proving this yet my claim was denied because they said my card was mailed to the address on file and activated using my credentials. I explained to them that it is fraud and it wasnt me. I have direct proof and documents corresponding with the exact dates these transactions were taken. I am desperately trying to resolve this and get my money back. I HAVE PROOF. Its obvious it was fraud and I did not authorize any of those withdrawals. I never received the card

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 2024-03-11 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: EQUIFAX, INC.
State: MA

Complaint narrative:
IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE INFORMATION AND ACCOUNTS REPORTING : EQUIFAX : 1. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report 2. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 
3. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX XXXX. Account Number : XXXX This is not mine. 
4. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 

XXXX : 1. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report 2. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 
3. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX XXXX. Account Number : XXXX This is not mine. 
4. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 

XXXX : 1. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 
3. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 
4. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
- The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE INFORMATION and UNAUTHORIZED INQUIRIES : EQUIFAX : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX  Date of XXXX : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX : 1. The inquiry was not authorized XXXX XXXX  Date of XXXX : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: WA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S.Code 1681ie ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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.

Please remove the following items from my credit report, immediately : 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 2024-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
Since returning to Florida, Bank of America has been making our lives a living XXXX by CONTINUALLY FREEZING my mom 's debit card due to " unusual activity. '' At this moment, IT IS FROZEN!! 
My mom is XXXX XXXX XXXX. And for her to be paying for groceries and the purchase being declined is VERY HUMILIATING!! 
We are homeless because Bank of America keeps freezing the card. No one wants to rent us someplace with this problem. I opened the account in XX/XX/XXXX. I had a few priblems over the years, but they were NOTHING like what has happened over the last year. 
These freezes have caused me to LOSE EVERYTHING WE HAD IN STORAGE!!! AND I MEAN EVERYTHING!!! My clothes, furniture, ID, social security card, birth certificate and other things that are nonreplacable. My grandmother 's ashes were there, too. 
I have lose XXXX XXXX XXXX because of them! 
Since I did not have my ID and my own debit card expired on XX/XX/XXXX, no one would assist me with getting my email address changed, so I can sign into my account due to XXXX XXXX!! 
We will be closing the account!

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 2024-03-11 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: GA

Complaint narrative:
Experian keeps updating my accounts and they should not be reporting with late payments.

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 2024-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Navy federal credit union violated me they closed my savings account without notice. They took it upon themselves to re-opened it with a {$0.00} balance. Now that they have reopened the savings account, that have been formally closed, they are using the dummy and or unauthorized account in order to post ACH debits or credits, garnish my deposits and, or ACH deposited checks. They used this anccount to withdraw payments for outdated credit card purchases even though the account was previously closed. They have deceptively led me to believe my account was {$0.00} balance and active or in-compliance only to wait for my large deposit to post only to credit it to closed account. Truly deceptive banking I never received one letter stating my account was closed and then re-opened with any outstanding balances they basically just gave me another account with access and garnished everything I put in the account. This has caused me to become in debt with all of my financial obligations and the amount of stress it has caused my family and credit rating has caused me to become XXXX  due to emotional distress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Auto dealerships ran my credit score several different times without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Auto dealerships ran my credit score several different times without my consent.

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 2024-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio Recovery Associates purchased an account from XXXX and filed a lawsuit against me for {$1200.00}. 

I requested key information from PRA during the discovery process, including what was purchased with this alleged account and what processes are in place at PRA to ensure the accuracy of the accounts they are purchasing. PRA was evasive and did not provide answers.

I denied ownership of this account in court proceedings. When the court ordered arbitration, PRA dropped the case.

I have begun the process of following all the steps for identity theft with this account. This was communicated to PRA via email on XX/XX/2024. 

PRA has several obligations under the FDCPA and FCRA, including deleting this tradeline from my credit report and ceasing collection activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute an unauthorized inquiry listed on my credit report. I have no record or recollection of authorizing this inquiry, and I believe it to be inaccurate and unauthorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: EQUIFAX, INC.
State: MD

Complaint narrative:
FOR CFPB I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX and 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 15 U.S. Code 1681s2 - A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief