vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: MO

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding fraudulent activities and the lack of assistance I have encountered from Crypto.com. I believe that immediate action is necessary to investigate and address the misconduct and potential violations of financial regulations. 

The fraudulent company involved in this case is known as XXXX. Unaware of their illicit intentions, I sent a total of XXXX USD from my Bank account to my Crypto.com account. Subsequently, I initiated transactions from Crypto.com to the fraudulent wallets provided by XXXXXXXX. 

Despite my efforts to seek help, Crypto.com has failed to provide the necessary assistance, leaving me in a vulnerable and helpless position. The details of the situation are as follows : 1. Fraudulent transactions : Upon transferring funds from my Bank account to my Crypto.com account, I unknowingly became involved in a fraudulent scheme orchestrated by XXXX. I followed their instructions and made subsequent transactions to the fraudulent wallets they provided. It has become clear that XXXX engaged in deceptive practices, leading to a significant financial loss on my part. 
2. Refusal to help by Crypto.com : Recognizing the involvement of Crypto.com in the transactions, I reached out to their customer support for assistance and resolution. However, to my dismay, Crypto.com has also been uncooperative and unwilling to offer any support or guidance in addressing the fraudulent activities related to my account. Their refusal to assist me in this matter has further compounded the harm I have suffered. 

Considering the circumstances, I kindly request that CFTC takes the following actions : 1. Investigation : I urge CFTC to conduct a thorough investigation into the fraudulent activities perpetrated by XXXX, including their involvement in money laundering and potential violations of anti-money laundering ( AML ) regulations. It is crucial to identify and hold accountable those responsible for orchestrating this scheme. 
2. Examination of Crypto.com 's practices : I urge CFTC to examine Crypto.com 's practices to ensure compliance with AML regulations and to determine if they have fulfilled their obligations in preventing and addressing fraudulent activities on their platform. This examination should focus on their customer support processes and the handling of suspicious transactions. 

I kindly request a written acknowledgment of this complaint within five business days of receiving it. Additionally, I expect regular updates on the progress of the investigation and any actions taken to address the situation. 

Thank you for your attention to this matter. I trust that CFTC will take this complaint seriously and conduct a thorough investigation to rectify the situation, hold the responsible parties accountable, and provide the necessary assistance to victims of fraudulent activities XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: MD

Complaint narrative:
I am a XXXX, XXXX  and XXXX XXXX of XXXX XXXX XXXX XXXX. On XX/XX/2023, I opened a business account with Chase Bank at the XXXX branch in XXXX  and deposited a check from a business client for approximately {$70000.00}. The check was accepted by Chase. But the following day I received an electronic email from Chase stating my account was restricted due to a check deposit. I immediately went to the bank branch where I opened and saw the branch manager in order to resolve this matter. I was told to provide a phone number for the business that issued the check, which I did but I was told that the number provided could not be verified by Chase in their system. First Chase keeps telling me that they need to verify if the check is valid but they check was paid by the issuing bank and they business that paid me the check has never disputed that the check was fraudulent or filed a claim dispute saying that the check was not valid. And more over the funds where made available but the funds were held. I have been to the branch several times to and provided Chase with what the requested to have my fund released and sent to me. This matter has been going on for over seven months and it's has put my business and income at risk due to Chase putting undue burden on me in order to release my funds. Please I need help in resolving this issue because has been holding my funds hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: NY

Complaint narrative:
XXXX XXXX AUTHORIZED USER Credit usage XXXX XXXX Balance {$3200.00} Balance updated XX/XX/2023 Credit limit {$3500.00} 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.

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 2023-12-19 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: HI

Complaint narrative:
The United States Code ( USC ) is a compilation and codification of the general and permanent federal laws of the United States. Title 15 of the United States Code covers various aspects of commerce and trade, but it does not specifically regulate late payments. Late payments and related issues with creditors are often governed by individual state laws and regulations, as well as the terms outlined in contracts or agreements between parties. 

If you are facing issues related to late payments and you're seeking legal information or assistance, it's recommended to consult with a legal professional. They can provide advice tailored to your specific situation and applicable state laws. 

In general, late payment provisions and related regulations can be found in state laws, and consumer protection laws may address issues such as unfair or deceptive practices by creditors. Additionally, the terms and conditions of your specific credit agreement or contract with the creditor will outline the consequences of late payments, including any fees or penalties.

If you have concerns about late payments or believe that a creditor is violating applicable laws, you may want to review your specific agreement, check relevant state laws, and consider seeking legal advice to understand your rights and options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX Fl XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.I also have attach my personal info to this complaint knowing its me typing this compliant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
In late XXXX, we reached the limit on our credit card. We made a direct payment from our XXXX XXXX XXXXXXXX account into the Chase credit card account. The debit was reflected on our XXXX XXXX XXXX account. Chase refused to provide us credit for over 8 days and were non-responsive. XXXXubsequently told me that they had the right to hold payment for 5 business days. Would not point me to the provisions of contract that provide that authority. I requested escalation on three occasions and have received no response. 

I spoke to XXXX on XXXX ; XXXX on XX/XX/XXXX. XXXX a few times after XX/XX/XXXX. She is the one who told me they had the right to hold my money and not credit our account. I requested escalation and have left messages. I have requested documentation and have not received anything in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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 hope this letter finds you well. I am writing to address and rectify billing errors that I recently discovered upon reviewing my credit report, which appear to be in violation of the United States Code Law, specifically TILA 15 U.S. Code 1666 ( b ) regarding billing errors.

Upon a detailed examination, the billing errors fall under the following categories specified in 15 U.S. Code 1666 ( b ) : ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 

I have noted discrepancies in the reporting of payments made and other accounting matters on my credit report, specifically related to the following accounts : DEPT OF ED/XXXX  Account Number : XXXX Late Payment Dates : XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Late Payment Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX As per my understanding of the law, the creditor is required to provide a statement at least 21 days before any payment due date. Failure to do so would render any late payment charges invalid. I am requesting hard, verifiable evidence from your records that supports the assertion that I did not make timely payments, resulting in the reported late payment status. 

I urge you to promptly rectify these errors on my consumer report by updating the aforementioned accounts to " paid as agreed. '' If these corrections are not made immediately, I am prepared to exercise my rights under 15 USC 1681n civil liability. This may involve seeking monetary compensation through legal channels, including small claims court in my city and state. 

To ensure that this matter is properly addressed, I have already submitted a complaint through the Complaint portal of the Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 

I anticipate your swift attention to this matter and a resolution that upholds the principles outlined in the applicable laws.

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 2023-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
This is XXXX XXXX with new & updated information about my previous complaint XXXXXXXX XXXX XXXX XXXX & FirstPoint Collection Resources, Inc still has failed to send me verification- ( XXXX XXXX XXXX ) for both alleged debt ( XXXX ) as requested & is still reporting this alleged debt to third parties - XXXX XXXX XXXX XXXX XXXX without my written express consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
ON XX/XX/2023, I CONTACTED US BANK TO REPORT A SCAM/FRAUD THAT HAD TAKEN PLACE ON XX/XX/2023. AT APPROXIMATELY XXXX XXXX, WHILE SHOPPING AT XXXX OFF XXXX, LOCATED AT XXXX XXXX XXXX, XXXX, GA, I WAS UNEXPECTEDLY APPROACHED BY XXXX ADULT, XXXXXXXX XXXX XXXX WHO ASKED FOR MY ASSISTANCE IN BEING AN UNBIASED WITNESS TO THEIR XXXX GAME. THEY HANDED ME A PLATE SWITH 3 BOTTLE TOPS ON AND A WHITE BALL ON IT. AFTER PLAYING, THE BAD ACTORS ATTESTED I HAD WON {$2000.00} FOR GUESSING WHERE THE BALL WAS, THOUGH I WAS NOT INVOLVED IN THEIR GAME. THEY ASKED ME TO PROVE I COULD COVER THE {$2000.00} BY SHOWING MY ACCOUNT WORTH AT LEAST {$2000.00}. I SHOWED THEM MY ACCOUNT WITH THE FUNDS IN IT. THE BAD ACTORS TOLD ME TO TRANSFER FUNDS INTO AN ACCOUNT AS AN ESCROW FOR THE SAME AMOUNT IN CASH IN ORDER TO GET MY WINNINGS. AFTER ASKING A CASHIER TO CHECK IF THE FUNDS THEY HAD WERE REAL, I DID SO. THE MAIN BAD ACTOR THEN STATED I WON {$6000.00}. HE HANDED ME THE {$2000.00} AND ASKED TO TRANSFER ANOTHER {$4000.00} TO THE BAD ACTORS ACCOUNTS. ONCE I DID SO, HE HANDED ME ANOTHER {$6000.00}. THE BAD ACTOR CHANGED WHAT HE STATED AND SAID IT WAS TOO LATE TO GET THE FUNDS BECAUSE IT TOOK OVER XXXX MINUTES AND SNATCHED THE MONEY OUT OF MY HAND, STATING THEIR WAS A TIME LIMIT. I REPORTED TO THE CASHIER THAT I HAD BEEN SCAMMED OUT OF MONEY AND TO THE XXXX XXXX POLICE DEPARTMENT. WHEN I ATTEMPTED TO GET MY FUNDS REFUNDED FROM THE BAD ACTOR 'S ACCOUNTS, MY CLAIM WAS DENIED BY US BANK WITHIN 48 HOURS.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I sent a letter requesting a copy of my credit report to no avail.

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 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I close a Capital One Account on XX/XX/XXXX On XX/XX/XXXX Capital one add {$110.00} on my Capital One XXXX 's card ending in XXXX. 
On XXXX the XXXX I call Capital One customer service and call to representative and we both went though each charge and the total came to what I owe Capital one XXXX XXXX She said ( hear say ) didn't know where the XXXX came from. 
I ask came that be remove? I was told a investigation had to be done. 
Haven't heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: OH

Complaint narrative:
Ive sent in A letter to Transition, XXXX, and XXXX over 30 days ago and they repeatedly told me to wait for a call back to handle this matter. I explained to them that they only had 30 days to respond and they failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. XXXX Transunion and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and Tranunion ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states 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. 15 U.S. Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Transunion, XXXX, and XXXX are not maintaining reasonable procedures, and is in violation of severals even the ones I didn't state.

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 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
I recived a offer from Discover to open a secured credit card. 
I accepted, gave {$2500.00} securty deposit. 
Account opened, then closed 2 days later. 
This has damaged my credit reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: OK

Complaint narrative:
I disputed these items by mail on XX/XX/XXXX, however you continue to report them after your investigation. Please reinvestigate these matters and delete the disputed information as soon as possible. Thank you for your assistance ID THEFT ACCOUNTS XXXX XXXX : Account # XXXX  Opened on XX/XX/XXXX REQUEST : DELETE THIS ACCOUNT REASON FOR DELETION : ID THEFT ( NOT MINE OR NO KNOWLEDGE OF THIS ACCOUNT ) ( See attached documents ) XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX REQUEST : DELETE THIS ACCOUNT REASON FOR DELETION : ID THEFT ( NOT MINE OR NO KNOWLEDGE OF THIS ACCOUNT ) ( See attached documents ) XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX REQUEST : DELETE THIS ACCOUNT REASON FOR DELETION : ID THEFT ( NOT MINE OR NO KNOWLEDGE OF THIS ACCOUNT ) ( See attached documents ) XXXX XXXX  : Account # XXXX  Opened on XX/XX/XXXX REQUEST : DELETE THIS ACCOUNT REASON FOR DELETION : ID THEFT ( NOT MINE OR NO KNOWLEDGE OF THIS ACCOUNT ) ( See attached documents ) INACCURATE ACCOUNTS XXXX XXXX : Account # XXXX REASON : INACCURATE REPORTING This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete this account. 
REQUEST : DELETE THIS ACCOUNT ADDITIONAL INACCURACIES : The Date Of Last Payment : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), Experian ( XX/XX/XXXX ) The Date Last Active : XXXX ( XX/XX/XXXX ), XXXX ( XXXX ), Experian ( XX/XX/XXXX ) I can not verify that this account is 100 % accurate so it is deemed INACCURATE. 

XXXXXXXX XXXX : Account # XXXX REASON : INACCURATE REPORTING This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete this account. 
REQUEST : DELETE THIS ACCOUNT ADDITIONAL INACCURACIES : The Date Of Last Payment : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), Experian ( XX/XX/XXXX ) The Date Last Active : XXXX ( XX/XX/XXXX ), XXXX XX/XX/XXXX ), Experian ( XX/XX/XXXX ) I can not verify that this account is 100 % accurate so it is deemed INACCURATE. 

XXXX XXXX : Account # XXXX REASON : INACCURATE REPORTING I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
REQUEST : DELETE THIS ACCOUNT ADDITIONAL INACCURACIES : The Date Of Last Payment : XXXX ( XX/XX/XXXX ), XXXX ( XXXX ), Experian ( XX/XX/XXXX ) Account Status : XXXX ( XXXX ), XXXX ( XXXX ), Experian ( Paid )

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