vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I am writing to follow up on my previous correspondence regarding unauthorized transactions that took place on XX/XX/2023, resulting in a substantial loss of {$2600.00} worth of cryptocurrency from my account Coinbase Google extension wallets. 

This is from the policy report that I had submitted shortly after. The actual cryptocurrency wallet address here are abbreviated : -- POLICE REPORT : I am writing to report fraudulent transactions that occurred onXXXX XXXX XXXX involving my BlockFi.com account. On that date, two unauthorized transactions took place, as detailed below:1. **Bitcoin Transaction : ** - Sent Bitcoin : XXXX XXXX - Amount : XXXX - From : XXXX - To : XXXX - Date : XXXX AM XX/XX/2023 - Transaction hash : XXXX - Status : Complete - Network fee : XXXX XXXX XXXX - Total cost : XXXX. XXXX XXXX XXXX XXXX  - Sent Ethereum : XXXXXXXX XXXX - Amount : XXXX - From : XXXX - To : darllymane.cb.id XXXX - Date : XXXXXXXX XXXX XXXXXX/XX/2023 - Network : XXXX XXXX Transaction hash : XXXX - Status : Complete - Network fee : XXXX XXXXXXXX XXXX - Total cost : XXXX -- -- I am writing to seek confirmation that I will be reimbursed for the stolen amount of cryptocurrency by Coinbase XXXX Despite my previous reports and requests for assistance, I have not received a response regarding the reimbursement of the stolen funds. 

The loss of this substantial amount of cryptocurrency has had a severe impact on my financial situation, and I kindly request your immediate attention and confirmation that the stolen funds will be reimbursed to my account. Your cooperation in resolving this matter and providing assurance of reimbursement would be greatly appreciated. 

Please provide updates on the ongoing investigation and the measures being taken to address this issue. Additionally, I kindly request a timeline for when I can expect the reimbursement to be processed. 

Please let me know if there is any additional information or clarification required to expedite this process. I look forward to your prompt response and confirmation of reimbursement for the stolen amount of cryptocurrency. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX has been on my report for 7 years still reporting. 

XXXXXXXX XXXX has been paid off.

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 2024-01-04 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: VA

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XX/XX/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

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 2024-01-04 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: AZ

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, TRANSUNION, XXXX is breaking the consumer law pertaining to : XXXX XXXX XXXX ACCT # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with LAW SUIT, litigation AGAINST these XXXX entities the XXXX XXXX PROPERTY OF THE SOCIAL SECURITY ADMINISTRATION FOR WHICH IM THE CARD HOLDER

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 2024-01-04 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: GA

Complaint narrative:
XXXX, XXXX, EQUIFAX is breaking the consumer law pertaining to : XXXX XXXX XXXX ACCT # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with LAW SUIT, litigation AGAINST these XXXX entities the XXXX XXXX PROPERTY OF THE SOCIAL SECURITY ADMINISTRATION FOR WHICH IM THE CARD HOLDER

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: MS

Complaint narrative:
Kickoff Lending LLC was reporting my account as a charge off. I filed XXXX XXXX bankruptcy on XX/XX/23. I included this account in my XXXX XXXX. My bankruptcy was discharged on XX/XX/23. On XX/XX/23, Kickoff started reporting late payments and a past due balance of {$4.00}. I never received any money or products from this company. It's a " credit building '' company that gives you a credit limit and you pay {$2.00} or so a month and they report payments. I have reached out to this company and after I emailed them they changed the account on my XXXX report again. It's like it's out of malicious intent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XX/XX/XXXX, I had fraudulent activity on my checking account/debit card. Wells Fargo Bank put a stop payment/closure on the card and issued a new replacement card. The problem is that as of XX/XX/XXXX through to XX/XX/XXXX, Wells Fargo has allowed a credit from XXXX XXXX to come through all those months against the old card number that was on file with XXXX. XXXX submitted for payment on card ending in XXXX, yet my statement charged against my new card ending in XXXX. I never changed the card information on the XXXX website because frankly, I forgot I had an account with them, and also had a new laptop that no longer needed the XXXX XXXX. I had other charges from companies I neglected to change or forgot about email me about failure to process payment. However, it appears Wells Fargo went ahead and allowed the funds to come out of my new debit card. Had they not, I would have received a notice from XXXX in XX/XX/XXXX, I would have canceled at that time. The representative on the phone with Wells Fargo said that there are times when backdoor transactions are possible. I freaked out! I could see he tried to backstep on his statement. He then transferred me to the Fraud Department. I refused to allow my current debit card to be frozen because of their error. I am making an appointment to go into a local Wells Fargo Bank. I never used the services from XXXX since that laptop was destroyed, and my new laptop came with a full 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 2024-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Around XXXX XXXX XXXX, I booked an appointment with a photographer with XXXX XXXX in XXXX XXXX for {$210.00}. At the time I did not live near the photographer, and I had to reschedule the shoot. She said it was fine, and would hold onto the money, and in the future would provide me with a shooting whenever I could be in town. She then continued to string me along for 6 months, and without warning nearly doubled the price of her bookings, and when it came time for our booking ( that wed agreed upon in advance ), she didnt want to provide me with a refund, or a half-booking since I couldnt pay the full price. I am a college student, and was initially drawn to her because of her low pricings for couples photos. I tried to get the money back through the bank, however they ended up rejecting my claim and retracted my provisional credit. Ive had a XXXX XXXX for quite some time that has left me out of work and now my account is negative, and the bank ( Wells Fargo ) says there is nothing they can do. I am hoping to get the money back directly from the photographer, and I have text receipts to corroborate my story.

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 2024-01-04 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: AZ

Complaint narrative:
XXXX5USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-04 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: VA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report 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 non-monetary relief
Consumer complaint received 2024-01-04 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: DC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-01-04 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: FL

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : 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 2024-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to address and request the immediate correction/removal of late payments on my credit report. After reviewing my credit report, I noticed inaccuracies that are adversely affecting my credit standing. 

The late payments in question are associated with the following accounts : CAPITAL ONE XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or CAPITAL ONE customer service representative. 


I understand the importance of accurate credit reporting, and I am committed to ensuring the integrity of my credit history. I have thoroughly reviewed my financial records, and I am confident that these late payments are inaccurately reported. I kindly request that you investigate and correct these errors promptly. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a thorough and reasonable investigation into these disputed entries within the legally mandated 30-day period. Please remove or correct any inaccurate information on my credit report and provide me with written confirmation of the changes made. 

I have enclosed copies of relevant supporting documentation, including bank statements or payment records, to substantiate my claim. I trust that these documents will assist you in expediting the resolution process. 

Your prompt attention to this matter is greatly appreciated. I kindly request that you notify me in writing once the investigation is complete and the necessary corrections have been made to my credit report. 

If there are any additional steps or information required from my end, please do not hesitate to contact me. Thank you for your prompt assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I sent a registered securities instrument to this company. and for them to act on my instructions that was sent with my registered mail. I have heard nothing back from that and they are holding my securities without out sending me a payment as stated with my instrument. I also seen that they discharged my debt which is on my credit report. under law they have not provided me with a 1099c which is considered tax fraud. My instrument was received on XXXX addressed to XXXX XXXX. I also sent a email as well to follow up. This is my 2nd mode of trying to fix this problem, before I submit documents for arbitration on this matter.I also found descrepencies on my auto loan the dealer and the bank have different numbers, which is fraud. Also selling of my securities on the market and holding it is considered securities fraud. I will get a forensic audit report done if this is not solved within 15 days of this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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 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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 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 2024-01-04 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: OH

Complaint narrative:
I am a victim of XXXX and need to upload my documents to credit bureau

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