vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: OKX INC.
State: IA

Complaint narrative:
I sent about {$1500.00} to a company called okcoin to buy and sell cryptocurrency in XXXX. I sold some of my cryptocurrency ( {$1000.00} ) in XXXX I believe. I just tried to log into that account again ( XX/XX/XXXX ). 

The company requires that I use an authenticator app. I purchased a new phone in XXXX so I do not have the account saved on my authenticator app. I reached out to their support team to receive a new access code or an SMS verification. The support team sent me this email : Dear XXXX, Thank you for contacting XXXX support! 

In order to proceed further with your request ; 1. Kindly send us a photo of your ID ( front and back ), and a selfie with your ID and answer the questions below : -Account registration date -Last login date -Last trade details ( asset, amount, option ( sell/buy ) -Main assets held on account 2. Please prepare a video recording, read the below template ( adjust the template according to your request & personal information ) and attach the video to your reply. During video recording, your identification document must be shown to the camera, and the information must be easily readable. 

" Hi, my name is XXXX. Today is the date/month/year, and I recorded this video to reset my XXXX account ( phone number/google XXXX ). My XXXX account is associated with XXXX address, and my ( ID/passport/driver 's license number is XXXX. ) I'm the sole owner of the before-mentioned XXXX account. Kindly assist with my request ''. 

If the video size is too large and can't be attached to your email, you can upload your video to a cloud storage space ( XXXX XXXX, XXXX XXXX, XXXX, XXXX, etc. ) and send us the link by granting access to XXXX Once we receive the video, we will proceed further with your request. Thank you for your time and your cooperation! 

Important note : To ensure funds & account safety, the withdrawal function of your account has been disabled until level XXXX verification is completed. 


Best regards, XXXX | Customer Service Representative '' I have never been asked to send a video to verify who I am. They are now also asking me for my driver 's license, which I believe I never sent originally. I asked them if there was another way that I could do a XXXX authentication or verification process and they said there is no other way. This feels like a scam. My account is closed. I can not withdraw my money. I am talking to my bank now to close my account because I sent them funds through a wire transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I have not applied for any auto lines of credit with this 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 2023-04-03 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: NC

Complaint narrative:
I have sent in request multiple to times to have the fraud alert removed ; I continue to receive responses that the fraud alert is removed but it's not. I would like it 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 2023-04-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On ( XXXX/XXXX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC
State: FL

Complaint narrative:
I got a revvi card they charged {$89.00} activation fee and told me I would have my card within 14 days it had been a month I hadn't got my card so I called him and told him I was taking my {$89.00} back till I got my card and when I got my card I would send them the money back I got my card a week later I sent them the money back 7 days later they close my account after they already had the money back I used the card so when I saw they close it I went on there and I paid exactly what I used I paid the interest charge then they commence to telling me I had to pay the XXXX XXXX yearly fee after they close my account and charged me a late fee and started putting interest back on the card again I have a picture of it where I got it down to XXXX just the XXXX and the XXXX but now it just keeps going up and I refuse to pay the XXXX because I called them and told them what I was doing and they canceled me even though they had the money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
EXETER FINANCIAL LLC opened XX/XX/2021, remaining balance is {$1700.00} which was under GAP INSURANCE within the company! Not my insurer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: NY

Complaint narrative:
Ive reviewed my credit report and noticed the following inaccurate item ( s ) : Inaccurate Reporting- I have notice multiple addresses on my credit report that are incorrect like the following ( XXXX XXXX XXXX XXXXXXXX NY XXXX XXXX Address ID # XXXX ) ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX NY, XXXX XXXX ID # XXXX ) ( XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NY, XXXX Address ID XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX XXXX Address ID # XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX NY, XXXX Address ID # XXXX XXXX All of the addresses listed above are spell incorrectly and missing information. I am requesting that any and all addresses that do not match the information on my state issued ID be removed from my credit report to ensure maximum accuracy of my report. Thank you. A copy of my photo ID and a insurance document have also been attached to this dispute to be used for verification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This is a case of ID Theft, and may have gotten a motorcycle in my name using some of all of my information after he stole my wallets and other important documentation.

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 2023-04-03 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: IN

Complaint narrative:
This is a case of ID Theft, and may have gotten a motorcycle in my name using some of all of my information after he stole my wallets and other important documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: VA

Complaint narrative:
XXXX XXXX Purchased a {$300.00} NETSPEND XXXX  Debit Card at XXXX XXXX in XXXX XXXX XXXX, XXXX, VA XXXX for my Grandson ( who is XXXX  XXXX ) I thought I was purchasing a gift card. 
XXXX  - we can not get the card activated- we have called and called but nothing works XXXX - current XXXX will not go to a live person nor can we get prompts to work XXXX calls will not be answered or if they are you are routed to another automatic response. I got a " Live '' person at this number by the name XXXX - I asked to speak to his Supervisor - he put me on hold ( dead line ) held on for several minutes but it seemed to be a dead line. 

We have spent about 2 hours today trying to get this card activated so we can get the {$300.00}.

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 2023-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
PAID IN FULL -- -- in response to letter sent XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION is REPORTING INNACURATE and fraudulent information and not validated INORMATION and continues to since Before XX/XX/XXXX, to Present, the balance is incorrect on A XXXX XXXX XXXX XXXX XXXX XXXX collections account # XXXX ( closed / XXXX Or XXXX closed and paid even with the ACCOUNTS and TRADELINES ARE CLOSED AND OR PAID IN FULL. Transunion is reporting Inaccurate and fraudulent information as these accounts has been and is closed since XXXX and is PAID IN FULL. balances and all information are inaccurate as they are not factual XXXX XXXX XXXX XXXX XXXX XXXX Transunion and all companies are negligent compliance by reporting this information as accurate when in fact, they are not Trans Union has reported over several times as accurate when clearly, they are not. XXXX XXXX XXXXXXXX XXXX XXXX and Transunion are violating My consumer rights and FCRA laws XXXX XXXX XXXX XXXX capital services is I believe retaliating with unethical practices by providing intentionally inaccurate information as XXXX XXXX XXXX XXXX violated federal and state laws by garnishing funds that were exempt and continues to report inaccurate data to Transunion. This is one of several accounts of false information and reporting inaccurate information and Credit data. FUNDS were RECEIVED XX/XX/XXXX Filings Title : XXXX XXXX XXXX XXXX XXXX Case : XXXX XXXX ( XXXX  ). Any XXXX XXXX XXXX accounts and data must be DELETED from Transunion and Transunion due to violations of the FCRA and XXXX XXXX XXXX Be fined {$1000.00} to {$10000.00} per FCRA Violation.

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 2023-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Back in XXXX of XXXX I sent XXXX $ to a company called XXXXXXXX XXXX owned by XXXX XXXX and XXXX $ to the acquirion group owned by XXXX XXXX and XXXX XXXX both companies scammed me out of the said amount and blocked me from contacting them to request a refund. Wells Fargo admitted that acquirion with XXXX was a complete fraudulent company they refunded the money then took the money back because they said it was with a third party XXXX XXXX My account was then overdrawn and closed. And because XXXX specified a specific amount I would get each month I literally had no money to put into the account!!!! They were an e commerce firm that promised to help me start a successful XXXX Business.its been 7 months i haven't made any money and they have blocked me from contacting them i filed a dispute on XXXX of XXXX, XXXX and XXXX and Wells Fargo refuses to help me. These fraudulent people should be stopped!!!! My financial institution should help

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 2023-04-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
These people answering my wells fargo complaint. Still refuses to understand anything. Wells fargo didn't use their cause that they can close my account until XXXX XXXX lied about me falsely accusing me of harassing her. They failed to look at the security footage that last day I was in the bank. I was being made to travel back and forth to the bank, because they refused to open me a new checking account over the phone. But this was a set up for XXXX XXXX to falsely accuse me of harassing her. Wells fargo has never statated how I have harassed her because she harassed me and falsely accused me. All these managers keep saying to me is that the bank had a right to close my account. Well they weren't exericing their right until XXXX XXXX lied to them that I was harassing her. But they refused to look at the security footage which would had proved I didn't harass her. The police didn't do nothing to me either, because they saw I was talking to my own banker that day. I never harassed XXXX XXXX, she harassed me. They just need to be shut down as a bank for their continued criminal behavior. 

This is why they had me going back and forth to the bank. So they could do this dirty thing for me and get rid of me. So XXXX XXXX put herself at the bank to falsely lie about harassing her. Wells fargo refuses to do anything or compensate me for their actions of their employee XXXX XXXX. 

The police didn't even back XXXX XXXX that I harassed her that day. But wells fargo wants to back her up and be against me. I am sick of being treated this way.

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 2023-04-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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