vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-23 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: OR

Complaint narrative:
I'm submitting a complaint and demanding that the Credit Reporting Agencies delete the fraudulent accounts and information from my Credit File. How many times do I have to tell the Credit Bureaus that I was a victim of identity theft and that the accounts I'm disputing were the result of this crime? I've repeatedly asked the Credit Bureaus to remove the disputed items, correct my Credit File, and provide me with copies of proof of verification. However, the Credit Bureaus have repeatedly disappointed me and failed to provide the requested documents. Despite sending dispute letters with complete proof of identity and the Identity Theft Report I received from the FTC, the Credit Bureaus have done nothing. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness.Kindly help me remove the following items immediately : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 Balance Owed : {$13000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2024-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Leafy Financial, LLC
State: GA

Complaint narrative:
I received a notification from my credit card company that my credit score dropped drastically due to a failed debt collection on a debt that was from fraudulent activity. 
I received this notification around XX/XX/XXXX. 
I contacted the company that put the negative item on my credit report, XXXX. 
They informed me that it was for tires purchased in New York. I informed them that I live in XXXX and have never been nor purchased anything from New York. 
After an investigation by XXXX, they found that it was fraudulent activity and told me that they would remove the derogatory item from my credit report. After several weeks and additional emails, they finally removed it from my credit report ( which prior to this, was excellent ). 
At the beginning of XX/XX/XXXX, I received another notice from my credit card company that my credit score had once again drastically decreased. In looking at my credit report, a debt collection agency put a negative item on my credit report. 
I called this agency ( Leafy Financial , LLC. ) where they told me that they had purchased a debt from XXXX and that I could work out of payment plan to pay it off. 
I informed them that it was an invalid debt and that they need to remove it from my credit report immediately. I supplied them documentation ( emails ) from XXXX, who admitted the mistake and removed it from my credit report. I also provided a report that I filed with the FTC, and a dispute with XXXX, who also provided me with a letter stating they found the activity to be fraudulent, and removed the item from my credit report. 
XXXX found the debt fraudulent and STILL proceeded to sell that debt to another debt collection agency. This is not acceptable at all. 
I wrote XXXX again and have yet to hear back from them. 
I need some assistance in getting these two companies to straighten out my previously excellent credit report/score, to ensure they don't sell the debt to another collection agency and I have to go through this again, and that they stop knowingly engaging in activity that ruins peoples credit, with fraudulent debt report and collection methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: PA

Complaint narrative:
I have reported this scam to my bank XXXX, the FBI and to the app 's parent company. They also was suggested file a report with my local authoraties as well. They said they would fully cooperate in helping me have my fund recovered if you reached out. Here is an outline of the case which I informed to the parent company. 



I invested in your XXXX XXXX. I made $ XXXX was first told I needed to pay {$14000.00} in fees to get my money released on XX/XX/year>. I paid the fee. Then I needed to pay a {$10000.00} is retrieval fee when the withdrawl was sent to the wrong accoubt which I paid on XX/XX/year>. Then they said another {$5700.00} in miner fees for my new withdrawl release attempt which I paid on XX/XX/year>. NOW they are asking for another {$20000.00} in fees. At this point I am not interested in the earnings. I would just like my wire transfers reversed please. I have screenshots of all live chat convos with XXXX which I supplied to their parent company Crypto.com who asked me to reach out the authorities and that they would full cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: IL

Complaint narrative:
I am seeking your assistance with this incorrect account appearing on my credit report. This issue is harming my reputation, and I need your help to resolve it.

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 2024-07-23 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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. 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. XXXX 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 the financial institution and the Consumer reporting agencies Equifax 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 Equifax, XXXX, XXXX 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 to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. " XXXX Never informed me of my right to exercise my nondisclosure option. 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. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
National Credit Systems Attn : Dispute Department XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Here is the final version of the letter including the mention of the FTC Identity Theft Report for account # XXXX Subject : Dispute of Account # XXXX and Account # XXXX Due to Identity Theft Dear Sir/Madam, I am writing to formally dispute the accuracy and validity of the debts associated with the above-referenced account numbers, which appear on my credit report. These debts are listed by your company, National Credit Systems, and I believe they are incorrect due to identity theft. 

I have never opened accounts with your company or authorized any transactions related to these debts. Therefore, I request that you take immediate action to investigate this matter and remove any fraudulent charges from my accounts. Specifically, I request the following

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
XXXX See previous inquiry. 
I need in writing all history of ach and debit payments. 
I need written transcripts or recordings of all customer service conversations. 
I need hardship policy if any in writing. 
I require that you expedite this account into collections to make a settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: CO

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 Section 602 ( a ), consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for the consumer 's privacy. XXXX and Experian are such agencies, and as a consumer, I am entitled to ensure my private information remains confidential. This is further supported by 15 USC 6801, which mandates financial institutions to respect customer privacy and secure their nonpublic personal information. The entity providing information to credit agencies is a financial institution under this statute.

Furthermore, 15 USC 1681 Section 604 ( a ) ( 2 ) specifies that a consumer report can only be furnished according to the written instructions of the consumer. XXXX, Experian, and the information provider do not have my written consent to share my information. I revoke any previous consent, whether verbal, non-verbal, written, implied, or otherwise. 

15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information to unaffiliated third parties unless the consumer is informed about how to opt out of such disclosures. The information provider never informed me of this right. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in reports if it dates back more than seven years, except for criminal convictions. This adverse account, reported without my permission, is illegal. 

Under 15 USC 1681s2 ( A ) ( 1 ) ( A ), no person should furnish information to a consumer reporting agency if they know or suspect it is inaccurate. Moreover, 15 USC 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violating Section 1681c and to restrict the furnishing of consumer reports to authorized purposes. XXXX and Experian are failing in this regard. 

Lastly, 12 CFR 1016.7 allows consumers to opt out at any time, and I am choosing to opt out of your reporting services.

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 2024-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, Venmo closed my account for no reason and held the {$220.00} balance in my account. I dont want my account reopened, I am requesting that my funds be released. They told me the funds would be available within 180 days. Its been almost that long and no one will respond to answer with a date of when my funds will be available.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital one is my bank where I have checking account. 
On XX/XX/XXXX XXXX my mother XXXX XXXX wired me {$24000.00}. From XXXX XXXX XXXX.Capital one froze my account without any explanation though I clearly told them that this was an inheritance from my mother 2.After multiple calls for explanation they asked for my mother, s contact.Gave them my mothers phone number.They said that Capital one dont have the ability to call international even though she lives in XXXX and the transfer was an international transfer. 
3.They the rep asked for proof of my relation ship with my mother.Send them my others passport for id and my marriage certificate which has my mother and fathers names. 
4.Now they say there is no timeline or any update. 
At this point my money is held by them with no explanation or any way I can resolve or any way my mother can resolve.This is significant money lack of which has caused me serious financial pain including having to go through foreclosure due to Capital One dontcare attitude

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: CA

Complaint narrative:
XX/XX/year>, looks like the Private company called experian is willfully non compliant with FCRA rules, either Experian clerks can not read proper XXXX or they are just playing coi. it my understanding after carefully reading the law under FCRA it clearly says that my consumer report has to contain maximum accuracy, maximum completeness and maximum verifiable information. 15 U.S. Code 1681i - Procedure in case of disputed accuracy .15 U.S. Code 1681i ( a ) ( 5 ) ( A ) ( i ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re investigation ; and I have given Experian the factual evidence showing from their Experian report.

15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Yet Experian clerks are not reading XXXX. The XXXX of Experian is a Joke. The law is very clear and cristal. CFPB as a governing agency. Why is it that Experian continues this nonsense by reporting not only DUPLICATE ACCOUNTS, BUT NOT ADHERING TO FEDERAL AS IT HAS TO. FEDERAL IS THE LAW OF THE LAND. I HAVE POINTED 2 MAJOR VIOLATIONS BY EXPERIAN. 15 U.S. Code 1681n ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} these accounts are duplicated on my experian consumer reports. these accounts have historical deficiencies, inaccurate reporting, incomplete information, its obviously erronious high balances are really don't make sense, all inaccurate XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX Experian fix all the errors on this account. if you can not then delete entire account.

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 2024-07-23 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:
I have been a victim of ID theft. As a result there were accounts opened in my name. There was information changed in my name, addresses, phone numbers, emails, etc. None of which were mine. I provided to the creditors and the credit bureaus proof of my residence for XXXX  years, copy of my Drivers License with that same address. Social Security Card, Police report with the account listed, FTC report with the account listed. I offered to sign an affidavit etc. I responded to the assertion this was opened by me and valid. Never once did the creditor provide the application, or proof the card was received and used by me. They sent a letter saying the address, and phone number used on the account opening was verified as mine. I do not see how that is possible. Even the Police verified I did not live at that address. That phone number is NOT on my police report, FTC report, or letter to them. That email address is also not used by me. My email address has been open and valid for XXXX  years. The one used to open I have no idea whose it is. I asked for this account to be blocked and provided all the info needed. I get this letter back stating No we will not and it's back on your file. The specific account details provided did not allow them to block. That the description of the ID theft was " too vague ''. Laughable. read the police and FTC report. It's very clear. They asked me to provide my Identification, address etc once again. Attached is everything that was sent not once but XXXX  times in XXXX  months. I am getting the run around and victimized by the credit bureau and the creditor repeatedly.

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