vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been a victim of identity theft. I have had a person I know by the name of XXXX XXXX XXXX, use my personal information that was shared with her, for an apartment. This person was my credit repair specialist from XXXX. In XXXX of XXXX, she electronically signed a lease using my first and last name, and middle initial. I knew NOTHING about this lease, until a collections company by the name of XXXX XXXX XXXX, contacted me with a letter in XXXX of XXXX, stating I owed {$11000.00} to XXXX XXXX XXXX XXXX XXXX, located in XXXX, XXXX XXXX, Florida. I HAVE NEVER LIVED IN FLORIDA!!! I AM A XXXX XXXX, I LIVE AT HOME WITH MY PARENTS, AND HAVE BEEN AT MY CURRENT ADDRESS SINCE XXXX OF XXXX. I ALSO DO NOT HAVE CHILDREN, AND THE CULPRIT INCLUDED HER XXXX CHILDREN ONTO THE LEASE. 

I HAVE NEVER AUTHORIZED AND WOULD HAVE NEVER AUTHORIZED, FOR HER TO USE MY INFORMATION FOR AN APARTMENT IN XXXX, WHEN I LIVE IN XXXX, AND WAS STILL FINISHING MY XXXX XXXX XXXXXXXX XXXX XXXX XXXX IN XXXX OF XXXX! 

I NEED YOU GUYS TO REMOVE THIS IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The consumer reporting agencies XXXX, transunion, and XXXX has lower my credit score because of late payments and utilization rate and unauthorized remarks which i never gave a written consent to be On my report and they are not authorized to move or jmpact my credit without my witten consent and is acting on behalf of a principal and is not the principal or fiduciary of My estate or trust and can now show proof in law where they can impact my score because of utilization or late payments where it is not mention in law it is not my job to teach workers about the law it is their duty to fulfill their oath. 

I RESERVE ALL RIGHTS WITHOUT PREJUDICE PURSUIT TO 15 USC1-308

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The consumer reporting agencies XXXX, XXXX, and equifax has lower my credit score because of late payments and utilization rate and unauthorized remarks which i never gave a written consent to be On my report and they are not authorized to move or jmpact my credit without my witten consent and is acting on behalf of a principal and is not the principal or fiduciary of My estate or trust and can now show proof in law where they can impact my score because of utilization or late payments where it is not mention in law it is not my job to teach workers about the law it is their duty to fulfill their oath. 

I RESERVE ALL RIGHTS WITHOUT PREJUDICE PURSUIT TO 15 USC1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: CO

Complaint narrative:
I made a deposit of {$17000.00} in XX/XX/2024 to my crypto.com account from my XXXX XXXX using the the account number and routing number supplied by crypto.com. 
The transfer was successfull and the money reflected on my crypto.com app. I bought litecoin ( ltc ) and then proceeded to initiate withdrawal but it was cancelled and my account was put into review. after 3 days review, they told me that they will refund the {$17000.00} back to my XXXX  account where the money came from and I will have to re-initiate the transfer to crypto.com. 

After XXXX business days I did not see any refund in my account since they said the refund will take XXXX business days. I reached out to support and they said the money should be in my account. But nothing came in. They asked for screenshot and Bank statement of the account. I said since we are just in XXXX, the bank statement for XXXX is not ready. We got to XXXX ending still nothing came in and the reached out to support on crypt.com.com and they said same thing that the money is in my account. I now supplied the bank statement and screenshot of my account. In the month of XXXX I had no transaction in my XXXX  account and this reflected on my bank statement. XXXX I reached out again and they kept on insisting the money has been sent to my account. But I keep on telling them with facts and proof that nothing came I even had to reachout to customer support of XXXX XXXX  and they said same thing that no transaction came in to my account with such amount. XX/XX/XXXX, I received a deposit of {$1400.00} and on XX/XX/XXXX, I tried withdrawing to same crypto.com using the same account number and routing number provided. XX/XX/2024 XXXX XXXX  sent me an email that my transfer did not complete and my account was suspended. I reachout to XXXX XXXX and they said my account will be closed and a closure check in the amount of {$1400.00} which is the available balance on my account will me mailed out to me. I reached out to Crypt.com customer support and told them everything that happened and even provided screenshots that my account and closed and the bank said they never received and refund of {$17000.00} back to my account and that the Only available amount on my account which is {$1400.00} is what will be sent out to me. 
Till date crypto.com is unable to account for my {$17000.00} and they don't want to give me my money with the excuse that the money returned to my account since XXXX which it did not. Please help me get my money back. Thank you I have attached bank statement and screenshot of the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-08-30 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 2024-08-30 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: GA

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 : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 explanation
Consumer complaint received 2024-08-30 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: NY

Complaint narrative:
To Whom It May Concern, This letter serves as a formal demand for immediate action regarding the severe breach of my personal information, including the compromise of my Social Security number, which has resulted in a data breach and identity theft. This situation is not only alarming but also legally indefensible. I have already reported this crime to the Federal Trade Commission, and a copy of my FTC Report is enclosed with this correspondence. As you know, under 15 USC 1681c-2 ( c ) ( a ), your agency is legally obligated to act immediately upon receiving an identity theft complaint. This statute unequivocally mandates that you block and remove all fraudulent information from my credit report within four business days. I have provided all the necessary documentation to substantiate my claim, and I expect full compliance without delay. 

XXXX XXXX XXXX XXXX - XXXX - The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX  XXXX - XXXX Your agency is in violation! 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 an 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. Delete this at once! 

XXXX XXXX  XXXX. - XXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) in written instructions of the consumer to whom it relates.

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 2024-08-30 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: NY

Complaint narrative:
To Whom It May Concern, This letter serves as a formal demand for immediate action regarding the severe breach of my personal information, including the compromise of my Social Security number, which has resulted in a data breach and identity theft. This situation is not only alarming but also legally indefensible. I have already reported this crime to the Federal Trade Commission, and a copy of my FTC Report is enclosed with this correspondence. As you know, under 15 USC 1681c-2 ( c ) ( a ), your agency is legally obligated to act immediately upon receiving an identity theft complaint. This statute unequivocally mandates that you block and remove all fraudulent information from my credit report within four business days. I have provided all the necessary documentation to substantiate my claim, and I expect full compliance without delay. 

XXXX XXXX XXXX XXXX - XXXX - The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX  XXXX - XXXX Your agency is in violation! 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 an 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. Delete this at once! 

XXXX XXXX  XXXX. - XXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
This new complaint is in reference to my previous complaint that was closed due to the companie response. Consumer Complaint No. : XXXX. I was instructed to reach out to the cashapp support team due to them not being able to continue on the investigation because they couldnt verify my idenity. I reached out to the support team and they was unable able to assist me. I havent received a phone call, email or anything from cashapp. If youre having a hard time verifying my identity then there should be an option for me to verify my identity as stated in the letter that was sent to me. Cashapp isnt following protocol and a through investigation has not been done on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: SC

Complaint narrative:
I have been a victim of identity theft. I have already notified the authorities and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the following accounts from my credit report immediately. I didn't give permissible to furnish my information there's no reason for none of that derogatory information to be on there. 
FCRA section 604 ( a ) ( 3 ) 15 USC 1681 ( b ) 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) As you know it is against the law to report any information not proven accurate. 809. Validation of debts_ [ 15 USC 1692g ] Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA you must remove the account from my credit report 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 2024-08-30 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: SC

Complaint narrative:
I have been a victim of identity theft. I have already notified the authorities and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the following accounts from my credit report immediately. I didn't give permissible to furnish my information there's no reason for none of that derogatory information to be on there. 
FCRA section 604 ( a ) ( 3 ) 15 USC 1681 ( b ) 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) As you know it is against the law to report any information not proven accurate. 809. Validation of debts_ [ 15 USC 1692g ] Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA you must remove the account from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently received a copy of my Equifax and XXXX credit reports, and I noticed a late payments posted on my credit report : one of XXXX  XXXX credit cards for the month of XX/XX/XXXX - XX/XX/XXXX and the other XXXX  XXXX credit card for XXXX XXXX XX/XX/XXXX. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: NY

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 : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Credit card - PayPal Credit Card Issue - credit companies are steering or unwittingly fleecing people with protection plan fees This isnt the first time Ive seen this this year. I noticed this in my Rooms2Go account as well. Asked my girlfriend to look at her Room2Go account and she was also being charged for payment protection plans she didnt opt into.

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 2024-08-30 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: IN

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

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