vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-06 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: NY

Complaint narrative:
I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$560.00} ; XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX Balance : {$0.00} ; CHILD SUPPORT ENFORCEM XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2024-01-06 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-01-06 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: NY

Complaint narrative:
I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$560.00} ; XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX Balance : {$0.00} ; CHILD SUPPORT ENFORCEM XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
I am writing to address a concerning issue with my Gemini account. On XXXX XXXX XXXX, I transferred BTC ( XXXX ) to my Gemini account as an investment. Shortly after, my account was frozen without any explicit explanation. 

Despite providing all requested personal identification documents promptly, my account remains inaccessible and I have been unable to transfer, send, or sell my crypto holdings. The link provided to withdraw my funds has proven ineffective, leaving me unable to access my investment. 

This lack of access and explanation for the account freeze has led to immense frustration and concern. As a user who has adhered to all policies and procedures, I am dismayed by this situation and perceive it as a substantial hindrance to my financial access.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: CA

Complaint narrative:
It is disheartening that the Credit Bureaus, namely Experian, XXXX, and XXXX, have failed to remove the persisting fraudulent items from my credit reports over the past three months. The absence of any deletions during this period is particularly concerning as I anticipate another update to my credit report within the next 15 days. Regrettably, there is a sense of apprehension that I might encounter yet another instance of failure to delete these items from my file. I would like to reiterate that, in accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to remove any items in the file of a consumer identified as information resulting from an alleged identity theft within four business days of receipt. Additionally, as per Section 605b, Credit Reporting Agencies are required to expeditiously remove any items listed on an identity theft report, specifically under reference # XXXX, pertaining to my case. The items outlined in my earlier complaint dated XX/XX/XXXXXXXX  have been reiterated here per bureau, as this complaint serves as a follow-up : XXXXEXPERIAN : 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 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I closed my old account due to fraud and open a new per their instruction after a day or two they closed the new account and kept the compromised account open. I have available funds and they won't let me have because it's restricted and that's the account I closed. They claim it takes 10 business days to close my restricted account and I reported the fraud XXXX XXXX I can not get a straight answer from it changes every day. They claim I have to wait for them to cut me a cashier check and it can take 10 business days to get my money there we're 10 checks deposit to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It is disheartening that the Credit Bureaus, namely XXXX, XXXX, and TransUnion, have failed to remove the persisting fraudulent items from my credit reports over the past three months. The absence of any deletions during this period is particularly concerning as I anticipate another update to my credit report within the next 15 days. Regrettably, there is a sense of apprehension that I might encounter yet another instance of failure to delete these items from my file. I would like to reiterate that, in accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to remove any items in the file of a consumer identified as information resulting from an alleged identity theft within four business days of receipt. Additionally, as per Section 605b, Credit Reporting Agencies are required to expeditiously remove any items listed on an identity theft report, specifically under reference # XXXX, pertaining to my case. The items outlined in my earlier complaint dated XX/XX/XXXX have been reiterated here per bureau, as this complaint serves as a follow-up : XXXX : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXXTRANSUNION : 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 2024-01-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
It is disheartening that the Credit Bureaus, namely XXXX, Equifax, and XXXX, have failed to remove the persisting fraudulent items from my credit reports over the past three months. The absence of any deletions during this period is particularly concerning as I anticipate another update to my credit report within the next 15 days. Regrettably, there is a sense of apprehension that I might encounter yet another instance of failure to delete these items from my file. I would like to reiterate that, in accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to remove any items in the file of a consumer identified as information resulting from an alleged identity theft within four business days of receipt. Additionally, as per Section 605b, Credit Reporting Agencies are required to expeditiously remove any items listed on an identity theft report, specifically under reference # XXXX, pertaining to my case. The items outlined in my earlier complaint dated XX/XX/XXXX have been reiterated here per bureau, as this complaint serves as a follow-up : XXXX : XXXX XXXX XXXXXXXX XX/XX/XXXX ======EQUIFAX : XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
Someone opened an account with my name and email at Chime. When I called their fraud department and gave them the account number, name and email address they still wanted me to voluntarily give them my date of birth and last 4 of my social security number in order to talk about the account. When I refused to provide more personal information because this was opened fraudulently they did nothing and said they couldnt go further. XXXX is the name of the agent I spoke to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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.

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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 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 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 2024-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased two sets of skin care products at a XXXX store on XX/XX/XXXX. On XX/XX/XXXX, I found out that I was allergic to the products and then on XXXX, contacted the XXXX store. They told me that this set can not be returned or exchanged. Regarding the return policy, I was not accused when I purchased. Later I contacted Chase bank and started a dispute. On XX/XX/XXXX, Chase resolved my dispute, they told me they wont issue my dispute with unreasonable excuse. I sent all my documents to prove I had contacted XXXX, asked an exchange or return, and also showed my XXXX XXXX. But Chase replied me that I didnt provide the evidence that I arranged any return it or contacted merchant to pickup. I called to Chase later and was told XXXX happens, they can not dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: First National Collection Bureau, Inc.
State: PA

Complaint narrative:
National Collection Bureau , Inc., a debt collector. Contacted me via telephone using an anonymous phone number to deceive me into accepting a contract that I have no idea about. This language is profane, and violates my consumer rights. 15 usc 1692 protects me as a consumer from abusive and misleading phone calls @ XX/XX/XXXX, XXXX. The bogus phone number that they used to contact me was XXXX XXXX. This is false and misleading. I would like to see for damages of {$1000.00}, for violating title 47 u.s.c 223 ( b ) ( 2 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I anticipate the XXXX and TransUnion Credit Bureaus will expeditiously remove the designated items from my credit reports within four business days, in accordance with FCRA Section 605B ( a ). My eagerness stems from the expectation of receiving a monthly updated credit report within 15 days from the current date. It is essential to reiterate that FCRA Section 605b mandates Credit Reporting Agencies to promptly eliminate any items identified by the consumer as information resulting from an alleged identity theft. In my case, these items are specified under reference # XXXX. This complaint serves as a follow-up to my recent submission dated XX/XX/2023. To facilitate the removal of selected items, I have taken the initiative to once again list them 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 2024-01-06 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: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XX/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 non-monetary relief
Consumer complaint received 2024-01-06 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: MA

Complaint narrative:
I recently had 2 XXXX accounts that was in collections removed from my credit report and deleted because the debt was not valid. One account was XXXX XXXX ( acct # XXXX ) the other account was XXXX XXXX XXXX ( acct # XXXX ). Today I received a inaccurate derogatory mark on my fico report, reported from XXXX for late payment history related to these deleted accounts. I did not pay a balance that was owed to get these accounts removed, the late payment were associated because the debt was invalid. This type of negative reporting is prohibited by the Fair credit reporting act!!. I request to IMMEADIATELY remove the late payment history that is associated with these deleted accounts so my credit report reflects accurate by law. 
In accordance with the fair credit reporting act XXXX  account # 's XXXX & XXXX has violated my rights again. 
15 U.S.C 1681 section 602a states the right to privacy.

15 U.S.C 1681 section 602a section 2 also states a consumer reporting agency can not furnish a account without my written instruction or consent. 
Under the FCRA ( Fair Credit Reporting Act ) prohibits this type of negative reporting to ensure fairness, accuracy, and privacy of the consumer credit 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 non-monetary relief
Consumer complaint received 2024-01-06 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: MA

Complaint narrative:
I recently had XXXX XXXX accounts that was in collections removed from my credit report and deleted because the debt was not valid. One account was XXXX XXXX ( acct # XXXX ) the other account was XXXX XXXX XXXX ( acct # XXXX ). Today I received a inaccurate derogatory mark on my fico report, reported from XXXX for late payment history related to these deleted accounts. I did not pay a balance that was owed to get these accounts removed, the late payment were associated because the debt was invalid. This type of negative reporting is prohibited by the Fair credit reporting act!!. I request to IMMEADIATELY remove the late payment history that is associated with these deleted accounts so my credit report reflects accurate by law. 
In accordance with the fair credit reporting act XXXX account # 's XXXX & XXXX has violated my rights again. 
15 U.S.C 1681 section 602a states the right to privacy.

15 U.S.C 1681 section 602a section 2 also states a consumer reporting agency can not furnish a account without my written instruction or consent. 
Under the FCRA ( Fair Credit Reporting Act ) prohibits this type of negative reporting to ensure fairness, accuracy, and privacy of the consumer credit 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 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: IL

Complaint narrative:
XX/XX/XXXX Received welcome email from chime XX/XX/XXXX Come closed that account after I went through their " this isn't me '' thing on their website, as prompted to do by their customer service rep if I recall correctly. I did call them and ask what information they had on me and how they obtained it and they did not reply to that verbal request over the phone and closed the account instead. 
XX/XX/XXXX Chime emails me a sweepstakes they are offering to new members XX/XX/XXXX Chime sends me and email stating my account is still waiting. 

Please help me. 

This is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: FL

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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