vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX submitting this CFPB Complaint to request to the Credit Bureaus remove the remaining fraudulent accounts that are still reporting on my Credit file. I greatly appreciate the Credit Bureaus immediate action to have some of the disputed accounts immediately removed from my Credit File but there are still accounts that should also be removed from my Credit File. I have read that under the Fair Credit Reporting Act section 605b, the Credit Bureaus are required to immediately remove any accounts and information that resulted due to identity theft. Also, if the Credit Bureaus would claim that the disputed items belong to me, I need the Credit Bureaus to send me copies of proof of verification and or any documents bearing my signature to support the Credit Bureaus claims. Once again, I am looking forward for the immediate removal of the following accounts that are still reporting on my Credit File : XXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/2016 XXXX  XXXX Balance : {$120.00} Date Opened : XX/XX/2016 XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$60.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: SC

Complaint narrative:
My Complaint against Binance.US ( BAM Trading Services ) cryptocurrency exchange XXXX XXXX XXXX XXXX As a tax paying citizen of the U.S. and resident of the great state of South Carolina, I am requesting government assistance in a problem that I ( and many other retail investors ) are having with Binance.US cryptocurrency trading exchange headquartered in XXXX XXXX, XXXX  and which is supposed to be a federal government regulated exchange. On XXXX XXXXXXXX XXXX I sent a support request to Binance.US after they for no reason given decided to block my trading account and block my ability to withdraw my XXXX Bitcoin ( approx. {$1000.00} value ) that I had just deposited a few days earlier into my Binance.US account. As of today, XXXX XXXX, XXXX they have still not unblocked my account so that I can withdraw my {$1000.00} Bitcoin that I deposited into my account and in one email to me they stated that i would have to wait a minimum of 30 days in order to be able to withdraw my Bitcoin from my account. I have filed multiple support requests to Binance.US and they do not respond. They block you from trading and withdrawing your funds and then when you send in a support request ticket to get help to withdraw your assets from your account they will not respond to your support request. This is just like they are stealing my money. Why is the company not being investigated by the Securities and Exchange Commission who claims their mission is to protect U.S. retail investors from fraud and abuse?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and Dept of ED have fraudulent accounts on my credit profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  and Dept of ED have fraudulent accounts on my credit profile that need to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX data breech frad victim and agencies and companies illegally reporting negative information Negative information from fraud needs to be removed : Never late, fraud XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Condition : Paid ID fraud XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Condition : Derogatory Derogatory Balance : {$3700.00} {$3700.00} Type : Credit Card Pay Status : Collection/Chargeoff Collection/Chargeoff unkown XXXX XXXX XXXX XXXX XXXX Account # : XXXX Condition : Derogatory Balance : {$2100.00} Type : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX 
Account # : XXXX High Balance : XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance : XXXX Condition : XX/XX/XXXX Responsibility : Individual

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$17000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$17000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
on XX/XX/2022 there was an unauthorized withdraw a {$500.00} from my XXXX card. it was withdrawn from Citibank ATM in XXXX XXXX. I was in XXXX XXXX at the time. I live in XXXX XXXX. I discovered theft minutes after it XXXX followed all instructions related to reporting the fraud, including calling the XXXX number on the back of the card and reporting it to whoever answered that line, I also made a police report and a report to XXXX XXXX XXXX fraud special investigation. several attempts to follow up with the claim came to nothing.. the original conversation I had with the person that answered my call that morning in XXXX can't be found or any record of it whatsoever. even the original report that apparently was submitted was submitted with totally incorrect information. and because it's been so long no one is willing to help me recover the money anymore, but the problem is I'm not the reason it's taking so long, I did my part I reported it immediately and accurately when it happened to all the necessary parties.. but none of them have done their part I have still not been returned the money. also, in violation of my rights, a thorough investigation was never conducted

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 2022-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On or around XX/XX/2022 bank of America literally closed my account down because a customer had submitted a check to me that had insufficient funds in his account. I don't know how in the world I'm supposed to know whether a customer of mine has enough funds in their bank account when they write me a check. This was the first and only check I ever had that I submitted with insufficient funds. They even closed my account without telling me or calling me or sending me an email. I even talked to someone in the fraud department and it was actually a gentleman who was doing everything he could to help me because he said himself he doesn't know why they would close my account and that this issue should have never been sent to the risk department. Then not too long after my account was closed approximately 5 days later they issued a temporary credit on my account for {$1600.00} which was supposed to be issued two weeks prior but the rep who took my dispute had entered the wrong coding. So now Bank of America is telling me I have to wait 45 days possibly before I can have access to my temporary credit when I should have had access to it weeks before if it had been entered into their system correctly. I mean it's pretty bad when one of their own employees even told me that my account should have never ever been closed. Every time I call they tell me something different and it's been like that with this bank for the last year. They are the most horrible Bank that I've dealt with in my XXXX years of existence and I hope someone can hold them accountable for their actions. 
I have a feeling that they purposely found or they looked for a reason to close my account even if it was an unjust reason so that I would not have access to my temporary credit. I don't know what other bank will close somebody's account down because they might be high risk because a customer wrote them a check for {$500.00} that had insufficient funds that doesn't even make sense and there was no risk about the check because they put a 7-Day hold on it and within three days they found out that the check had insufficient funds so I would have never had access to the {$500.00} anyways and they know that and when I call and talk to managers and the risk department they act like they're not even listening to me and one of them hung up on me after I had been on hold for an hour and a half. I am furious about all of this and I hope there's something that you guys can do to help me out or at least hold them accountable for their reckless actions because they really do whatever they want to do that's probably why they get sued every 3 months and then they do it out of court settlement because they know they're guilty I hate that thing I'm sorry but I hate that bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian and XXXX have all the incorrect information listed on my credit report. My name is incorrect, my address is incorrect, my employment is not listed, and there are items on my XXXX and experian credit reports that I have been trying to have deleted for a few years now.

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 2022-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
I have not received receipts for payments and have not received a Notice of Privacy Practices since I faxed in medical records to them. Please see attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One is the bank not taking responsibility for releasing {$19000.00} from our savings account to a bank account not in our profile for transfers. Two withdrawals of {$9500.00} were made the same day XX/XX/XXXX and they didnt stop this withdrawal and contact us. They paid the funds XX/XX/XXXX. They claim it was made by the joint holder of the account. The joint holder has never made withdrawals from this account and they failed to see the fraudulent withdrawals and released the funds. Our nest egg funds. I have spoken to five bank reps after I saw a note on our online account. They insist its a fraud case in process and we have to wait for the other bank to return the funds. I feel Capital One should return my funds and they can wait for the return. They are at total fault. They failed to protect our account in every sense of the banking system and are holding us XXXX with their delays. Weve had this account since ING and all transfers have been to the same bank. And they never took precautions to check this fraudulent act. Their rep responses on the phone are evasive and their is no other way to find a contact with more authority. The CEO has an email on the Capital One XXXX website and you can not forward mail yo XXXX. I would appreciate your help in recovering our XXXX XXXX funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ( Kohls/Capone ) for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( Kohls/ Capone ), can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( Kohls/Capone ) , continues its collection efforts, I will file for litigation for actual damages caused and ( Kohls/Capone ) , shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act, FTC ACT and RICO Act.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act says that, information on a credit report has to be timely, verifiable and accurate. I have made several attempts to remind the bureaus of their duty pursuant 15 USC 1681. It appears they are intentionally and willfully neglecting my request to investigate this account. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am filling this complaint as another attempt to get this resolved. XXXX XXXX  is reporting inaccurate and incomplete information about me, which causing me serious financial stress. XXXX XXXX  account shows no payment history is being reported to XXXX and a different payment history to Equifax and XXXX. XXXX XXXX  deleted my entire positive payment history on XXXX and created false data to show that the payment history is being reported accurately and fair. This account is now inaccurate, incomplete and no longer fair and must be removed from my credit report immediately. XXXX XXXX took away all my positive payment history before the account was charged-off and the time is absolutely wrong because they deleted their own payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX, XXXX and Equifax violated my rights. I disputed this account because it has been reporting inaccurately. This account has been deleted from XXXX, yet XXXX and Equifax continues to parrot back off of the the creditor. The creditor is incorrect and these credit reporting agencies refuse to be fair and partial. In fact they are wilfully neglecting to protect me as a consumer. They claimed that XXXX XXXX " verified '' this as accurate. Why would XXXX XXXX report different information to the 2 Credit Reporting Agencies? XXXX reported to XXXX that the terms were 72 months, yet reported to Equifax that the terms were 0 months. XXXX reported to XXXX that the high credit was {$15000.00}, but reported to Equifax that the high credit of {$6700.00}. XXXX reported a date of last activity to XXXX of XX/XX/XXXX but reported a date of XX/XX/XXXX to Equifax. XXXX reported a Date of last payment as XX/XX/XXXX to XXXX and a date of XX/XX/XXXX to Equifax. In addition the payment history is totally different, all of the information contradicts. proof of inaccuracies attached. XXXX deletion attached. 

Please delete immediately for inaccuracy. Per the FCRA my report is to be 100 % accurate. Proof attached.

Company response to consumer: Closed with explanation