vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 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: LA

Complaint narrative:
InIn accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 



Account Name : // Account # XXXX  XXXX XXXX XXXXXXXX Account Name : // Account # XXXX XXXX  XXXX Account Name : // Account # XXXX XXXX XXXX  XXXX XXXX Account Name : // Account # XXXX XXXX XXXX XXXX social XXXX Account Name : //Account # XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : //Account # XXXX XXXX user social XXXX Account Name : //Account # XXXX XXXX XXXX XXXX Account Name : //Account # XXXX XXXX XXXX Account Name : //Account # XXXX XXXX XXXX Account Name : //Account # XXXX XXXX XXXX XXXXXXXX XXXX Account Name : //Account # XXXX XXXX XXXXXXXX XXXX Account Name : //Account # XXXX XXXX XXXXXXXX XXXX Account Name XXXX XXXXAccount # XXXX XXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXX XXXX Account Name : //Account # XXXX XXXX XXXX XXXXXXXX Account Name : //Account # XXXX  XXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXX  XXXX Account Name : //Account # XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXX XXXX n/a XXXX Account Name : //Account # XXXX  XXXX XXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXX  XXXX Account Name : //Account # XXXX XXXX XXXXXXXX XXXX XXXX Account Name : //Account # XXXX lXXXX XXXX XXXX XXXX  XXXX All Acccounts Have Violated My Rights 15 U.S.C . 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins 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 explanation
Consumer complaint received 2024-12-07 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: OH

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries were created or conducted without my authorization. Under 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), you are obligated to block and remove information resulting from identity theft upon my request. 
Fraudulent Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: OH

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries were created or conducted without my authorization. Under 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), you are obligated to block and remove information resulting from identity theft upon my request. 
Fraudulent Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have been requesting the credit report to remove the fraudulent information that is being reported by the credit reporting agency and they remove the information and it reappears again after the removal.

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 2024-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
My son, who is mentally impaired, was the account holder. I am the guardian of the person and property. 
Name XXXX XXXX XXXX Account No : XXXX M & T Bank Maryland Branch This is a violation of the Americans with Disability ACT

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 2024-12-07 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: NC

Complaint narrative:
Regarding : Creditor XXXX XXXX XXXX Bank Account Number : XXXX I am writing to formally dispute inaccuracies and improper handling of my credit report information related to the above-referenced account. 

Details of the Dispute : Account Discrepancies : The account is reported as " collection/charged off, '' which may not accurately reflect the account 's true status. I request verification of this reporting and correction if found inaccurate. 
Improper Use of My Credit Report : My credit report appears to have been accessed and shared without my consent, resulting in unauthorized inquiries and potential violations of the Fair Credit Reporting Act ( FCRA ). I request an investigation into these inquiries and removal of all entries made without proper authorization. 
Reporting Agencies Involved : This dispute concerns all major credit reporting agencies : XXXX, XXXX, and TransUnion. 

Request for Action : Verify the accuracy of the account details and provide documented evidence supporting the current status. 
Remove any unauthorized credit inquiries or correct any improper sharing of my credit data. 
Update my credit report to reflect accurate information. 
Additional Information : Account Open Date : XX/XX/XXXX Current Balance : {$1000.00} Error Discovered : XX/XX/XXXX Please process this dispute in accordance with the Fair Credit Reporting Act ( FCRA ). If you require additional information, do not hesitate to contact me. 

Thank you for your prompt attention to this matter. I look forward to a response within the XXXXday period as stipulated by the FCRA. 

Sincerely, 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 2024-12-07 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: NY

Complaint narrative:
My rights have been violated as I did not provide written permission to the creditor to include any information on my credit profile, in accordance with 15 USC 1681b2. Furthermore, their actions appear to constitute Aggravated Identity Theft under 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used my means of identification without lawful authority, which is a felony punishable by up to 2 years of imprisonment, in addition to potential civil liability.

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 2024-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: CO

Complaint narrative:
I placed orders with merchants XXXX XXXX transactions and XXXX XXXX transaction on XX/XX/year>, as of today XX/XX/XXXX transactions are still pending. Cashapp said they allow merchants XXXX  days, yet they still will not settle these transactions. Holding my funds. And XXXX merchant XXXX owes me a {$19.00} refund. I sent a screenshot of the proof I was to receive a refund and Cashapp still wont do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2024, I was scammed by XXXX different groups, XXXX XXXX and XXXX, which continued until XXXX. Unfortunately, I lost a total of {>= $1,000,000}. Additionally, I was further scammed out of approximately {$10000.00} by fake recovery agents before realizing they were also fraudulent. 

Here are the details of the transactions : XXXX XXXX : Funds were wire transferred from my bank to the XXXX XXXX, converted to XXXX, and then transferred to XXXX and subsequently to the app 's wallet. 
XXXX Address : XXXX Website : XXXX XXXX XXXX XXXX : Funds were wire transferred from my bank to the XXXX XXXX converted to XXXX, and then sent to the XXXX XXXX. 
Bitcoin Address : XXXX XXXX XXXX XXXX XXXX XXXX  The scammers initially contacted me through an advertisement on XXXX. I began trading with them and gradually invested more money into their platform. After a month, they froze my savings and refused to allow any withdrawals. This situation has left me financially burdened with loans and in significant debt.

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 2024-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/year> at XXXX XXXX, using Coinbase, I sold all of the shares of the cryptocurrency XXXX  by XXXX  ( Transaction reference code XXXX ). The subtotal for what I received for selling my XXXX  was {$360.00}, with an actual total of {$350.00}, and it was transferred out of XXXX  and to my Coinbase account. 

My Coinbase account was set up with a previous phone number of mine that I no longer have access to, and in order to withdraw the {$350.00} from my Coinbase account and put it into my XXXX XXXX  account, I have to verify my identity with an SMS verification code that can only be sent to this old phone number. I reached out to customer support to verify my identity with pictures of my drivers license and pictures of my face. I was told that it would take only XXXX minutes to verify, and that I would receive an email with the verification results. As of XXXX XXXX on XX/XX/year>, I have not yet received an email to continue the verification process. Online, Coinbase claims a wait time of up to 24 hours ; yet I still have no response. No human can be reached, nothing has been done to help my case no matter how many times I reach out for help, and I can not get my money from them because they will not help me.

I have reached out to customer service, and keep getting put in an endless loop of a robot telling me to wait for a representative, and then the cycle repeating OR they drop my case when the estimated wait time runs out. There is no way I can call a human agent through this service because of the old phone number linked to my account, and the automated service is not handling my case. The conversation below was with their customer service AI. After reading about this exact same issue and mistreatment from numerous other Coinbase users, I decided to file a complaint with the CFPB in order to get Coinbase to handle my case, and allow me to retrieve the money from my account. Included are photos of my drivers license and face in order to prove my identity and ownership of the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-07 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: Central Portfolio Control Inc.
State: TN

Complaint narrative:
My data was leaked in a breach twice and my information was used to open accounts that personally did not open and have no knowledge of these accounts until it was put on my credit report in error. I would not pursue complaints or identity theft reports if these accounts were mine. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX This is the agency reporting the inaccurate and false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: PA

Complaint narrative:
I am a victim of XXXX XXXX, I'm filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX XXXX XXXX XXXX agency block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of many unauthorized inquiries listed on my consumer report this request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS that will be listed in this complaint.

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 2024-12-07 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: WA

Complaint narrative:
I am writing to formally report that I am a victim of a data breach, resulting in unauthorized accounts appearing on my credit report. In compliance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following fraudulent accounts : Fraudulent Accounts : 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

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 2024-12-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I received a credit line for home projects from the supplier. When I went to pay the first payment I could not access the account to make a payment. When I called for assistance, they told me the account had an issue with my name and the only way to correct this was to go the branch in-person. I went to the branch and they were unable to correct the issue or give me online access to pay. The only way I can pay this bill is to go to the branch each month. I drive a tractor trailer and am not able to go to a bank during the week so I have to go on Saturdays and Wells Fargo only has XXXX branch open near me and it is a long wait and I prefer to pay online. This is a major inconvenience every month.

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 2024-12-07 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting the same account twice with XXXX different opening dates. I requested these accounts to be deleted but Equifax failed to respond. 



XXXX XXXX Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
The loan was opened with another car, the doors locked, and dealership came and switched with a loaner car. Then I was made to take the XXXX instead of the XXXX XXXX I did not have the proof of the original vehicle, but the dealership placed a claim to my insurance for the vehicle. This whole contract was completely fraudulent I have paid to balance off and I just want the record of this account removed from my report immediately from all XXXX Bureaus, XXXX Report and XXXX This car was a lemon I was not able to get help with repairs and I was told the warranty was no good, Credit Acceptance is a great company, but the business practices of the dealership was VERY unethical and I am sure with a complete investigation that can be found I have attached the vehicle information that was originally on the loan and I drove off in the vehicle, the first car was in better condition and I would have been able to have a better opportunity for success on my loan 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 2024-12-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica
State: CA

Complaint narrative:
On XX/XX/XXXX I ordered a replacement card paid for overnight services through XXXX. I received card on Friday XXXX XXXX I was out of gas on side of the road for hours because it wouldn't let me activate my card. Using a phone at gas station because I lost my phone and wallet XXXX weeks before which is why I needed a replacement card to begin with. I have called daily since XX/XX/XXXX. I've sat in a day room for hours on hold to be connected to customer service at a local homeless shelter which is XXXX XXXX round-trip and half a tank of gas daily to use phone. I have sat patiently on hold to speak to anyone. The call drops or disconnect every time. I've sent in documents to ID/usdirect express.com with proof of identity for the past 3 days with no response. I have rent,XXXX  mouths to feed and XXXX dogs that are starving. I can't buy a phone because no money to buy one. I'm XXXX and in XXXX  full time and my power requires gas in generator. And I use a XXXX. My XXXX XXXX everyday is XXXX  because of the stress I'm going through. Hopefully I don't have a XXXX or XXXX XXXX. This is above and beyond wrong. I need help desperately to get my card activated. XXXX XXXX XXXX please I'm begging you for this. 
XXXX l XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I havent been able to log into my account online and I urgently need to do personal financial transactions and Im not able to. I called them today and tried to verify my identity and they still dont accept it by verifying my cell number or anything else. They said there was some fraud and I know nothing about it. I need to do financial transactions now and Im not able to and I want to make a complaint against citi bank. Can you help me? Thank you

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