vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-30 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX SS # XXXX To Whom It May Concern : I received a copy of my credit report, and I noticed some accounts on my consumer report that is inaccurate.

This is my 3rd attempt at having you delete this inaccurate information.

This agency is in violation of 15 USC 15 USC 1681i, in your repose to my dispute you claimed that the accounts XXXX XXXX XXXX XXXX Account Number XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX Account Number xxxxxx XXXX Balance {$13000.00} XXXX XXXX  Account Number XXXX XXXX Balance {$3000.00} XXXX XXXX Account Number xxxxxxxxxxx XXXX Balance {$0.00} XXXX XXXX XXXX  Account Number xxxxxxxxxxx XXXX Balance {$700.00} XXXX XXXX XXXX ( CLOSED ) Account Number XXXX XXXX Balance {$940.00} You have validated inaccurate information and these accounts are hereby disputed. 
The information on these accounts being furnished on my consumer report in fact inaccurate. 
15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In generalIf, 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 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 furnishers of this information that the information has been modified or deleted from the file of the consumer. 
List of accounts to be deleted :

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 2024-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
To whom it may concern, Several months ago, I sold some of my coins and had the funds deposited into my XXXX wallet. I recently decided to move the funds to my bank account but was unable to move them. I contacted support XX/XX/23 on the app and was told that the funds, which were listed under open orders would need to wait since I recently topped up some money to my card, per the support person 's instructions, which would require a week 's turnaround for it to post. This came at the end of a long conversation with support where they kept telling me that I had to sell crypto. I was not interested in selling crypto. I wanted the XXXX money in my wallet withdrawn. I was given this canned answer multiple times before we got them telling me to try topping up my card, which was a coinvent way to get rid of me because I tried to move the funds today after the deposit posted and still could not. The first person apologized to me, stating they would have this matter investigated and would get back to me. They never did. Conversation ID : XXXX Today, I contacted support again and asked for help and was given the same instructions to sell crypto. This time, they told me that if I sold some crypto, it would move all of the funds back to my XXXX wallet since the money I was wanting to move was in what they called a " Main wallet ''. I sold some crypto and was only able to withdraw the amount I had just sold. I reported this concern and they said that should have worked. They then defaulted to again to telling to me sell crypto. I explained that I had already done that and would like an alternate solution. They kept repeating this same answer until I asked for a supervisor. They told me that I need to sell the amount of crypto that I would like to withdraw, if I want the rest of my funds. The initial amount I sold was for {$100.00}. I still have {$9600.00} sitting in a " Main wallet '' and support doesn't seem to know how to move to a XXXX or help me in withdrawing it. They also refused to get a supervisor after I asked multiple times, choosing instead to repeat themselves over and over again to sell the equivalent amount I would like withdrawn, which makes no sense since I already have the funds as cash. Being told I have to sell crypto in order to get access to money in my account doesn't make sense and it's clear the person working in support doesn't care because all they can do is repeat themselves and refuse to escalate the matter. Conversation ID : XXXX I very much get the impression that I am being scammed since this seems to be an issue where my funds just aren't available to me for some reason and nobody has an explanation why. I have been a customer for years and I have always liked the services provided to me but this experience has been incredibly disheartening. Any assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Zions Debt Holdings
State: HI

Complaint narrative:
On XX/XX/2024 I submitted a complaint against Zions Debt Holdings [ Complaint id # XXXX ] and in that complaint I attached a dispute letter that gave them a refusal to pay/cease and desist notice. In that notice I specifically explained and quoted the FDCPA and its laws regarding cease and desist. I had requested that this company cease communication with me both directly and indirectly through all mediums as described in the FDCPA however Zions Debt Holdings is still communicating with me via credit reporting. Credit reporting is an indirect medium as they are contacting a third party agency ( consumer reporting agencies ) about this alleged debt. This is a direct violation of 15 U.S. Code 1692c ( c ), in other words section 805 of the FDCPA. This is my last warning to this agency before I proceed with legal action.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received a letter from a law firm saying that the credit card company is trying to take federal exemption money and my bank account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
A person used my card to buy XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' for {$120.00} on XX/XX/year>. I reported the problem to the company they said no refunds, I contacted my bank and they denied my claim stating " I '' agreed to the company 's agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: NV

Complaint narrative:
REPORTING INFORMATION ON MY CREDIT PROFILE WITHOUT MY CONSENT AND WITHOUT CHECKING THE ACCURACY OF WHICH BY LAW THEY ARE REQUIRED TO DO AND THE VIOLATION ON THE PRIVACY ACT OF 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 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: TX

Complaint narrative:
I have made several attempts in requesting help from TransUnion in regards to two collection accounts on my credit report. XXXX XXXX is the owner of these alleged accounts and they have only supplied proof of these debts existence in the form of " printed-out '' statements and bills, although i have requested legal proof such as a contract, promissory note or agreement bearing my signature .I have submitted all documents supporting my dispute to TransUnion and they have failed to respond. TransUnion has failed to protect me as a consumer by not doing a proper investigation on my behalf and allowing XXXX XXXX to continue to report negative, inaccurate information that they have not proven to be legally mine.

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 2024-06-30 00:00:00
Product: Credit reporting 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:
As per FCRA 605B, any misreported accounts must be removed from my credit report. Can you look into the documents? The reporting, amounts, and dates for some accounts are incorrect.

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 2024-06-30 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:
You are required by FCRA 605B to delete any wrongly reported accounts from my credit report. Please check the documents, as some accounts have incorrect reporting, amounts, and dates.

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 2024-06-30 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:
Remove these inquiries, please. I have no information about them, and the company did it without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Kindly erase these inquiries. I have no knowledge of them, and the company acted without my approval.

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 2024-06-30 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AR

Complaint narrative:
No knowledge of this company XXXX XXXX XXXX XXXXXXXX XXXX Amount {$530.00}. I called company. I havent open any new accounts they stated the will send information. I never received information. I disputed account XXXX XXXX, XXXX XX/XX/year> and XX/XX/year> and its still reporting on my credit report. Columbia Debt Recovery reporting inaccurate information on my credit report amount XXXX. I didnt give permission to sell my information its against XXXX Rules and Regelations. XXXX XXXX XXXX {$630.00} not my account. XXXX XXXXXXXX XXXX not my Account. XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XXXX Spoke with Salesman XXXX XXXX and he stared I didnt and never have an account with them and dont owe the amount of XXXX, XXXX. I asked if he could give me something in writing. He directed me to XXXX XXXXXXXX XXXX the company Administrator I spoke with me XXXX  and she stated I dont have nor owe XXXX with XXXX XXXX XXXX I emailed her proof that this was reporting on my credit and she stated that I should dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
No knowledge of this company XXXX XXXX XXXXXXXX XXXX XXXX Amount {$530.00}. I called company. I havent open any new accounts they stated the will send information. I never received information. I disputed account XXXX XXXX, XXXX XX/XX/year> and XX/XX/year> and its still reporting on my credit report. XXXX XXXX XXXX reporting inaccurate information on my credit report amount XXXX. I didnt give permission to sell my information its against HIPPA Rules and Regelations. XXXX XXXX XXXX  {$630.00} not my account. XXXX XXXX Ma not my Account. XXXX XXXX  XXXX XXXX XXXX XXXX, TN XXXX XXXX Spoke with Salesman XXXX XXXX and he stared I didnt and never have an account with them and dont owe the amount of XXXX, XXXX. I asked if he could give me something in writing. He directed me to XXXXXXXX XXXX XXXX the company Administrator I spoke with me XXXX and she stated I dont have nor owe XXXX with XXXX XXXX XXXX I emailed her proof that this was reporting on my credit and she stated that I should dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: FL

Complaint narrative:
Would you take away these inquiries? I am unaware of them, and the company did this 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 non-monetary relief
Consumer complaint received 2024-06-30 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: TX

Complaint narrative:
I am a victim of identity theft. I check my credit report and found accounts that are not mine. I was 18 at the time these accounts are peportong and didnt know a thing about opening up credit cards accounts. These are not my accounts and I sent dispute letters to all credit bureaus Equifax XXXX and XXXX. XXXX was the only company there verified these accounts were not mine. XXXX and Equifax failed to do proper investigation on these accounts XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: 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. 

NAME OF ACCOUNT ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. It states a consumer reporting agency can not furnish a account furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any of the following items of information Any other adverse item of information other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C 1681s2 ( 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 2024-06-30 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: MN

Complaint narrative:
I recently created a Venmo account and someone had paid me {$75.00} through Venmo. I added my card on there and tried to transfer the money on Venmo into my card. It kept giving me an error message, so I did some research and it hundreds if not thousands of people are having the same issue. Theres just money sitting in Venmo not able to be transferred anywhere. I contacted Venmo help, but all I got was a bot telling me to go look up solutions on their website which does nothing. Now I just have money collecting dust in my Venmo account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX account number ending in XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. This account is also reporting CLOSED and it is OPEN. Thank you in advance!!!!!

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 2024-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
This vehicle is not in my possession and I don't know where it is. The company was not understanding, and very addiment that they were not going to resolve the issue for me at all. I am looking for this to be removed and to not affect my credit report, or score.

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 2024-06-30 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: MO

Complaint narrative:
Last year I sent certified letters via United States Postal service to all three credit bureaus about false information reported on my credit. Enclosed is copy of information already resubmitted to be deleted and or adjusted correctly : Fix multiple names on credit report : Fix false addresses reported : XXXX  Late payment from XXXX was paid XX/XX/XXXX In clothes in this complaints or the following information to verify information is inaccurate and reporting falsely : Highlighted Payment on Credit Report : Untiliiy Bill With correct address : Proof of identity : Notice to furnishers : Copy of U.S. Code 1666b

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 2024-06-30 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: MO

Complaint narrative:
Last year I sent certified letters via United States Postal service to all three credit bureaus about false information reported on my credit. Enclosed is copy of information already resubmitted to be deleted and or adjusted correctly : Fix multiple names on credit report : Fix false addresses reported : April Late payment from XXXX was paid XX/XX/XXXX In clothes in this complaints or the following information to verify information is inaccurate and reporting falsely : Highlighted Payment on Credit Report : Untiliiy Bill With correct address : Proof of identity : Notice to furnishers : Copy of U.S. Code 1666b

Company response to consumer: Closed with non-monetary relief