vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 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: GA

Complaint narrative:
To whom it may concern the XXXX XXXX XXXX and the company XXXX XXXX XXXX is now entering pre-arbitration. This arbitration is requested in pursuant to 15 U.S.C 6802- Obligations with respect to disclosures of personal information. Per our conversation through mail and the CFPB I XXXX XXXX, the original creditor in Good Faith initiate pre-arbitration with your company ( Experian ) due to the negligence and aggravated Identity Theft found within my Consumer Report from your company.

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 2024-02-29 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: TX

Complaint narrative:
IN 2019 MY PURSE INCLUDING MY PERSONAL INFORMATION WAS TAKEN FROM A EVENT. ON SITE AUTHORITIES WERE NOTIFIED. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I ALSO SEE SOMEONE ATTEMPTING TO ACCESS LINES OF CREDIT IN MY NAME, THERE ARE INQUIRIES FROM CREDITORS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I HAVE NOT GIVEN ANY CONSENT FOR THESE. I CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING VERIFICATION AND HAVE YET TO RECEIVE A FORMAL RESPONSE MAKING THESE ACCOUNTS UNVERIFIABLE.

I HAVE THE RIGHT TO PRIVACY, AND I HAVE NOT GIVEN ANY WRITTEN CONSENT WHICH IS IN VIOLATION OF 15 USC 1681B ALSO FURNISHING ACCOUNTS TO MY PROFILE IN RESULT TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

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 2024-02-29 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: TX

Complaint narrative:
IN 2019 MY PURSE INCLUDING MY PERSONAL INFORMATION WAS TAKEN FROM A EVENT. ON SITE AUTHORITIES WERE NOTIFIED. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I ALSO SEE SOMEONE ATTEMPTING TO ACCESS LINES OF CREDIT IN MY NAME, THERE ARE INQUIRIES FROM CREDITORS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I HAVE NOT GIVEN ANY CONSENT FOR THESE. I CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING VERIFICATION AND HAVE YET TO RECEIVE A FORMAL RESPONSE MAKING THESE ACCOUNTS UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY, AND I HAVE NOT GIVEN ANY WRITTEN CONSENT WHICH IS IN VIOLATION OF 15 USC 1681B ALSO FURNISHING ACCOUNTS TO MY PROFILE IN RESULT TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am reporting XXXX, XXXX, and TransUnion to the Consumer Financial Protection Bureau ( CFPB ) due to numerous inaccuracies in the information they've provided on my credit reports. Under the Fair Credit Reporting Act ( FCRA ), all furnished information must be complete and accurate. However, I've found inconsistencies such as varying payment statuses, incorrect payment dates, missing payments, and incomplete account histories across the bureaus. These discrepancies misrepresent my creditworthiness and could adversely affect my financial opportunities. I urge the CFPB to investigate and take necessary actions to rectify these inaccuracies promptly. Additionally, if these issues are not promptly resolved, I am prepared to pursue litigation against all agencies involved to ensure the accuracy and integrity of my credit reports.

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 2024-02-29 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: IL

Complaint narrative:
I am reporting Equifax, XXXX, and XXXX to the Consumer Financial Protection Bureau ( CFPB ) due to numerous inaccuracies in the information they've provided on my credit reports. Under the Fair Credit Reporting Act ( FCRA ), all furnished information must be complete and accurate. However, I've found inconsistencies such as varying payment statuses, incorrect payment dates, missing payments, and incomplete account histories across the bureaus. These discrepancies misrepresent my creditworthiness and could adversely affect my financial opportunities. I urge the CFPB to investigate and take necessary actions to rectify these inaccuracies promptly. Additionally, if these issues are not promptly resolved, I am prepared to pursue litigation against all agencies involved to ensure the accuracy and integrity of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: TX

Complaint narrative:
I firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase this misleading information from my records.

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 2024-02-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Coinbase has updated their platform several times over the last few years. Their " gdax '' trading platform changed to " pro.coinbase.com '' which is now " advanced coinbase '' and their coinbase.com platform has significantly changed too. They shut off access to the old sites. 

Crucially, they did either correctly or completely transfer transaction records between their sites. Now, when I ask for a complete transaction record on coinbase.com, the reported transactions do not add up. There is at least one missing cryptocurrency purchase transaction, or alternatively, there is a missing {$2000.00} from my account. There is even a " transfer '' in the transaction history that says " transfer from _____ '' with nothing after the from. Furthermore, asking for " all transactions, all currencies, all time '' reports from one part of their platform vs another, yields completely different results. What a mess. 

I've uploaded XXXX reports, both of which purport to be " all transactions all time, '' XXXX from coinbase.com and XXXX from advanced coinbase. Neither shows transactions that correlate with the XXXX balance in my account ( XXXX ) The reports not only do not add up, but they make no sense. When I try to navigate their " help '' section, the links take you on a journey which is a loop right back to the same initial " help '' section, never offering an option to email support. The only option appears to be a chatbot, or waiting endlessly ( many hours now, tried several times ) for an agent to show up in a chat session. Even if an agent eventually shows up, there is no guarantee I'll be at my computer, and their chat app does not send out notifications. 

In other words, there appears to be no way to actually speak to someone to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
Commencing on or about XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX XXXX  which involved me making deposits for a total amount of XXXX USD from my Cash App account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX, I am a victim of identity theft. I am being claimed that I owe AMSHER COLLECTION SERVIC provided to collect debt for XXXX XXXX XXXX. I have never heard of XXXX XXXX XXXX, and I don't know why someone would use my name and social to make an account with them on XXXX XXXX with the original balance of {$1000.00} with the collection balance of {$690.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: TN

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: TX

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts 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 2024-02-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Original loan ( which banks can not loan ) States they were paid Cash, I did not produce any cash but a check at closing. They say I received money, WHERE? Then in research I have tried to get XXXX XXXX and Select Portfolio Servicing who bought it supposedly in XXXX, has advised they bought the " Promissory Note '' and now its in a trust. I have not found any Leins, I have been forced to file a 1099 A to XXXX XXXX and a 1099C to SPS. Since all Payment Coupons are being Kept, not returned and a notice sent that states they do not accept these payments. No action has been done. When I call any customer service I get transferred all around. I have even attempted to contact these Corporations. Yet again I get barely any info and Nothing specific of what I have requested. Now XXXX has been reporting on my credit Until XXXX when I filed a complaint thru XXXX, they have now closed it on XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX called me in XX/XX/XXXX telling me i owed XXXX to check n go from XXXX, then they called on XX/XX/XXXX saying i owed XXXX to check n go so they gave me a payment plan for XXXX per month till XX/XX/XXXX, so i called them back to get a copy of my contract. and a validation letter from them, they said i signed the contract but they would not give me a copy or send me a validation letter so he was telling me are you drunk have you been drinking, i dont drink beer. and said you get what you deserve he said he was going to sue me, i told him i have a lawer. he hug up on me, so i tried to call him back and the call kept dropping he would never answer i called like XXXX times so i went to the bank and canceled my debt card. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: KY

Complaint narrative:
My name is XXXX XXXX XXXX and I purchased XXXX money orders ( $ XXXX ) from a Western Union kiosk in XXXX or XX/XX/2023 however during transport to my house, I lost the envelope containing the money order and receipt. I returned to the kiosk where they provided me the order numbers I then contacted Western Union customer service via email requesting that they utilize the order numbers to investigate and refund the money orders. They said it takes 6 weeks to process but despite attempts to follow up, there has been nothing done to recoup my money. I've tried calling customer service but their automated systems say the customer service can not assist and directed me to refer to their email but still nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. 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 The 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 explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
We were on a cruise to XXXX and made many purchases using this card. However, in XXXX store they offered to make us a 'deal ' on an item, offering it to us for {$100.00}. However, when checking out they said they could only charge in XXXX and charged the card XXXX  XXXX. After asking them several questions about this, they said it would be converted to {$100.00} because they offered a rate of XXXX XXXX  for {$100.00}. However, when the bill came in we were charged {$110.00} which I think was the currency conversion rate. The store had said they would convert it. So, yes we were apparently swindled but I thought the card offered a fraud policy. After contacting them they said we were charge the correct amount and without a receipt that said {$100.00}, which they did not give us, they would not refund this money. My complaint is that it was fraud and deception on the part of the store owner so this should be covered according to what they advertise : Use your card with confidence Count on Barclays ' {$0.00} Fraud Liability protection. 

With our fraud liability coverage, you aren't responsible for unauthorized purchases made with your card that you report to us. It doesn't matter if your card is lost, stolen or breached - online or offline - you're protected.

Call it " business as usual '' : Shop with confidence Use your card to make purchases anywhere in the world.

Report unauthorized transactions immediately Keep an eye on your monthly statements and be sure to tell us right away if you spot any unusual account activity. Simply call the number on the back of your card.

Get resolution fast If you let us know about an unauthorized transaction, we'll investigate it and correct the issue as quickly as possible.

So, rest easy knowing that we've got you covered.

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 2024-02-29 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: GA

Complaint narrative:
These are not my accounts. It is the credit bureaus responsibility to make sure theyre reporting accurate information and going through the proper protocols before putting information on my credit report. The information does not match up to the other bureaus and according to the FCRA you must make sure everything youre reporting is accurate. Im entitled to an accurate report please remove the fraudulent account immediately. Im attaching my FTC report as well.

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 2024-02-29 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: TX

Complaint narrative:
I firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase this misleading information from my records.

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 2024-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
The collection agency under the name of LVNV Funding LLC contacted someone I know regarding a XXXX XXXX Bank account of mine that was sold to LVNV without my knowing, consent, or authorization. They sent an email to this person which disclosed personal information of mine and regarding the debt owed. They added this persons email address to their contact list for my account without my knowing, consent, or authorization. I have a screenshot of the email that was sent to the unauthorized address and person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: NC

Complaint narrative:
Under the Fair '' credit Reporting Act XXXX Account XXXX XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.

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 2024-02-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I completed an {$3000.00} international wire transfer at my Chase bank at XXXX XXXX, XXXX XXXX, Michigan on XX/XX/year>. I provided the correct account details for recipient. Today XX/XX/XXXX, the funds have yet to arrive at recipient bank. I have provided recipient bank with the XXXX and bank confirmed that they have not received funds. 

Chase bank has stated that the intermediary bank rejected the wire on XX/XX/XXXX but have not returned funds and that the intermediary bank is not responded to their messages. Chase is unable to trace my funds or give an update on when funds will be returned to my account. 

I have contacted Chase bank wire department by phone several times within the last XXXX weeks. 
The associates who answer the phone are located in the east and seem to be very confused as to what is going on, Ive had to explain the situation every time and sometimes multiple times per call. There is no follow up, I am the only one reaching out to the bank even though they have promised to escalate this and keep me updated. 
Ive asked to be transferred to a Chase agent in the United States but was told this is not possible as there are no US agents.

I am very concerned that my funds have been stolen and will not be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
They said fraud, because I paid my bill off and I have more than one bank account, which is discrimination has though XXXX people can not have more than one account or pay our bill in full. Five days to post a cash payment from my bank account a ( Business credit card ) and a ( Business bank account )

Company response to consumer: Closed with explanation