vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DPT EDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 


7. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed these accounts in the past with the Consumer Reporting Agencies and I am no longer disputing these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: FL

Complaint narrative:
I disputed these accounts in the past with the Consumer Reporting Agencies and I am no longer disputing these accounts

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 2024-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received an inheritance. It came in the form of a large check from my grandparents. My family is relying on that money to pay our mortgage and bills. JPMorgan Chase explained to us that since it was a larger amount than we have ever deposited, they would not post any money to our account without waiting 10 days. Far more than they expect us to wait. They explained and acknowledged that they were penalizing us for not being wealthy, effectively, and not depositing large checks. Wealthy people that deposit large checks and dont live check to check seem to have every advantage with the banking system. Chase even spoke with my grandfather and their bank to verify the check. They still have decided to not post any money to my account until next week. They have acknowledged that they are already in possession of a large portion of the funds. Im being penalized for not being wealthy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX late payment XXXX  days. In accordance with the law, my rights have been violated. Late payment reports to your consumer report is illegal. In 15 U.S. Code 1681a : Definitions and Rules of Construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions are not included in the report and the request to is to remove late payments from account 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 2024-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
coinbase has blocked my money for XXXX years with no response they did not respect the XXXX XXXX XXXX XXXX XXXX. 
they cheat on the XXXX XXXX  and they sold me a title according to the XXXX judge

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: GA

Complaint narrative:
I'd like to notify you that Im still seeing the same and repeated incorrect accounts on my credit report. 

So many disparity on the reports reported by the credit reporting agencies. There haven't been any updates provided on my account and I find it confusing why they have different evaluation and result of verification despite getting this information from one creditor or furnisher of information.

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 2024-04-08 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: GA

Complaint narrative:
I'd like to notify you that Im still seeing the same and repeated incorrect accounts on my credit report. 

So many disparity on the reports reported by the credit reporting agencies. There haven't been any updates provided on my account and I find it confusing why they have different evaluation and result of verification despite getting this information from one creditor or furnisher of information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: Aargon Agency, Inc.
State: FL

Complaint narrative:
IVE NEVER DONE BUSINESS WITH 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 2024-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
I recently looked over my credit report on XX/XX/2024. Doing so, I found a collection from UNITED REVENUE in the amount of {$1400.00}. I have not any notification of this debt. Can you please send me verification of this debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have had a XXXX XXXX XXXX XXXX for years which is supposed to provide XXXX the points for XXXX XXXX purchases which it has not since XXXX of this year. 

I have called the bank on multiple occasions and they keep saying that it's an issue they are aware of company wide and are working on a fix. Originally they said it should be done by XXXX then XXXX and now they are unsure. 

This has not been a problem in the past and it needs to be corrected immediately. The XXXX largest bank in the country clearly has the technology and resources to deliver on the promises they make which is a huge failure in consumer confidence.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
According to the Fair credit reporting Act, I have the right to a completely accurate report, and the bureaus are required to remove any information that is not true, verifiable and inaccurate. My letters were sent XXXX days ago and to date they have not deleted the unverifiable information. 

Rule 12 ( b ) ( 6 ) permitting a motion to dismiss for failure of the complaint to state a claim on which relief can be granted. 

XXXX XXXX XXXX ACCOUNT NUMBER : XXXX failed to provide a debt validation letter. Therefore, I have no knowledge of this debt or have any relationship with this business. Per FCRA 605B, it is illegal to report information on my credit report without my permission. Further, this account is reporting this collection with an " open '' status. This is inaccurate and therefore this must be removed from my report immediately. 

I demand this account be deleted for inaccurate reporting in accordance with the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Reporting 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 2024-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: MO

Complaint narrative:
CBE Group Inc Ref # XXXX my last correspondence with them was XX/XX/XXXX we receipt notice of a debt for {$130.00}. We have sent letters to the company ask for proof or verification of the amount requested. We also sent back the bottle of the letter page as noticed. In never receiving any notification or proof or any additional information for this company, we assume they realized there mistake and the matter was resolved. Just recently I checked my credit report to find out they have attached themselves as a debt owed on my credit bureau report. All three accounts, XXXX, XXXX and XXXX as of XXXX. 
We still to this day have NOT received any verification that we owed this debt or even what the debt is for ... it states we have an account from XXXX XXXX with account number XXXX. Our account with XXXX was paid in full prior to closing the account. Per their representative who ended the account. It's may understanding it was a recorded call and they should be able to verify the information provided by their representative or provide exactly what the amount requested is for in detail. 
We do not owed this debt and they have not provided any information show we owed the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
I am a XXXX citizen involved in an international wire transfer fraud, I used my checking account with XXXX XXXX XXXX Bank to transfer {$20000.00} to Wise XXXX  transfer service that was used to wire transfer funds internationally on XX/XX/2024 to XXXX XXXX XXXX XXXX XXXX XXXX ( License no. XXXX, Office : XXXX Al XXXX XXXX XXXX, XXXX ) and sister company XXXX XXXX XXXX XXXX ( Account No. XXXX ) under XXXX XXXX XXXX XXXX XXXX XXXX ID : XXXX ) Wise Transaction XXXX. I came across this company through an advert on website/app for local business listings called XXXX. The company was supposed to purchase a truck asset and provide me with a return on investment of {$1900.00} per month for the XXXX  year duration of the contract. The company violated the contract by defaulting the first profit payment on XX/XX/2024 and since getting the funds on XX/XX/2024 stopped responding to my phone calls and emails. They also did not use the funds to purchase a truck as as Vehicle plate XXXX shared with me as proof of purchase is no longer registered under the company per XXXX XXXX XXXX XXXX. The company mailed me XXXX undated security cheques from XXXX XXXX  ( Account XXXX ) for capital investment amount and for profit amount for 1 year. After the fraud was committed, I found out that these are local cheques that are not valid in XXXX be deposited in XXXX XXXX  account and victim does not have an account in XXXX to XXXX them, they are invalid. The company 's commercial license is also under transaction status with Department XXXX XXXX and XXXX XXXX since they committed the fraud. XXXX XXXX XXXX Bank was unable to help me get back the funds even though they left from my checking account. Wise money transfer service actually put this amount into the bank account of the scammer organization XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank Account XXXX ) but was unable to reverse the transaction or help retrive the funds. I need CFPB support to help get my money back from either XXXX XXXX, Wise, XXXX XXXX  XXXX ( XXXX : XXXX, Address : XXXX XXXX, AL XXXX XXXX XXXX XXXX ) or the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( License no. XXXX ), scammer XXXX XXXX XXXX ( XXXX ID : XXXX ) or XXXX Government. I have filed a police report with XXXX Police but have not heard back reference XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/XXXX I had some unauthorized purchases on my account and I filed dispute with the bank immediately but was made to wait because the charges were pending which I find to be ridiculous they should be able to stop the pending transactions so I finally was able to file dispute and they denied it saying that they were authorized I don't understand how if my debit card was stolen and I reported that to them they canceled the card and sent me out a new one and all those and yet they still denied it it is utterly ridiculous that Banks can do this and then someone is out their money I don't think it's right I want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: CA

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. This account continues to be reaged which is illegal. XXXX XXXX XXXX. In accordance with The Fair Credit Reprorting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your 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 2024-04-08 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: CA

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. This account continues to be reaged which is illegal. XXXX XXXX XXXX. In accordance with The Fair Credit Reprorting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: NJ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hunting my ability to obtain credit. It, s my understanding that TransUnion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX account number : 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 2024-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I made a deposit into my checking account on XX/XX/XXXX. The check I deposited was from cornerstone Bank out of North Dakota cornerstone Bank released my funds on XX/XX/XXXX BECU as held my funds and as of presently still is holding my funds their response is to verify the funds and where the funds came from Cornerstone bank has contacted them numerous times without understanding why because the funds were released. according to BECU they say they have not been able to reach the bank to verify the funds which is FALSE! 
BECU has had my money since XX/XX/XXXX and continuously give me false information to hold my funds which is XXXX days now going on XXXX  days!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: TN

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. 

Account Name : DEPTEDXXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX 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 2024-04-08 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: GA

Complaint narrative:
I write to address the unresolved issue regarding my filed complaint regarding the negative accounts listed on my letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: GA

Complaint narrative:
I write to address the unresolved issue regarding my filed complaint regarding the negative accounts listed on my letter.

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