vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: MN

Complaint narrative:
A deposit of {$440.00} was put into the account XX/XX/year> ... I use this account to manage a personal loan ... That day, after the deposit, I attempted to xfer funds. This is when I learned the account was restricted. I then tried to withdraw the funds to try and pay the debtor again. This was restricted as well. I've called numerous times trying to find resolution to the account. Customer Service tells me nothing other than " we can not tell you why the account is restricted other than for policies and procedures violations ''! What violations were made? " we do not have that information ''! I've been told repeatedly that the matter has been escalated and an account executive would get back to me. They can not tell me when or why anything is taking place. They tell me when my account is closed that any funds in balance will be mailed to me. It's going on 3 weeks with the same answer I received on day one! I don't want the account at this point, this is the poorest customer service I've ever received on anything. I want my money back, this is ridiculous. Don't accept my deposits and then remove access to my funds!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: MA

Complaint narrative:
to indigate and resolve my issue with these accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX and the elimnation of the following inquirires XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> In accordance with XXXX XXXX, which stipulates that all contracts entered into by myself with a buyer must be supported by proof of debt and a copy of the contract, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Furthermore, both the Federal Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) reinforce the necessity for strict adherence to these conditions. 
Inquiries that I have not authorized also have affected my credit standing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: MA

Complaint narrative:
to indigate and resolve my issue with these accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and the elimnation of the following inquirires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> In accordance with 73 P.S.201-1-201-9-2, which stipulates that all contracts entered into by myself with a buyer must be supported by proof of debt and a copy of the contract, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Furthermore, both the Federal Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) reinforce the necessity for strict adherence to these conditions. 
Inquiries that I have not authorized also have affected my credit standing

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 2024-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NV

Complaint narrative:
I purchased {$110.00} dollars of Bitcoin with my debit card through Cash app. I tried to send it to my virtual wallet and was unable. Cash app stated I needed to verify my identity. I provided my state issued driver 's license that's current along with a selfie as requested. System won't verify They stated I can withdraw it but the system won't allow me. It states my w9 is not updated. I submitted a w9 and now they are saying it takes 60 days to review. 60 days of holding my money XXXX while I'm losing money on Bitcoin. I don't want to be holding Bitcoin. I want to sell or transfer it but they won't let me touch my money! This is outrageous. Forcing me to lose money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: AZ

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts listed on my credit report. As a victim of a data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have these unauthorized accounts removed from my credit file. 
The fraudulent accounts in question are as follows : XXXX. XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$1100.00} XXXX. XXXX XXXX XXXX XXXX Account : XXXX - Date : XX/XX/XXXX - Amount : {$78000.00} XXXX. XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$12000.00} XXXX. XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: AZ

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts listed on my credit report. As a victim of a data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have these unauthorized accounts removed from my credit file. 
The fraudulent accounts in question are as follows : XXXX. XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$1100.00} XXXX. XXXXXXXX XXXX XXXX  - Account : XXXX - Date : XX/XX/XXXX - Amount : {$78000.00} XXXX. XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$12000.00} XXXX. XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$0.00}

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX XXXX learned that my personal information was used to open several accounts I did not authorize. I immediately contacted XXXX, XXXX and TransUnion. All 5 accounts now are reporting closed but status is incorrect as they now show balances. 3 of the accounts are reporting late/past due. I am a victim of at least two data breaches and identity theft. I closed the accounts in question immediately. They were not delinquent. None of the accounts were reporting balances. I contacted XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent supporting documents. 
I enclosed is a copy of my Identity Theft Report, a police report and a copy of my credit report showing the fraudulent items related to each company that are the result of identity theft. Ialso enclosed a copy of the CFPBs Notice to Furnishers of Information. 
I asked each company involved to investigate this matter, absolve me of all subsequent charges, take the steps required under the Fair Credit Reporting Act and send me a letter explaining all findings and actions.

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 2024-11-25 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: CA

Complaint narrative:
In XXXX XXXX, learned that my personal information was used to open several accounts I did not authorize. I immediately contacted XXXX, Equifax and XXXX. All 5 accounts now are reporting closed but status is incorrect as they now show balances. 3 of the accounts are reporting late/past due. I am a victim of at least two data breaches and identity theft. I closed the accounts in question immediately. They were not delinquent. None of the accounts were reporting balances. I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent supporting documents. 
I enclosed is a copy of my Identity Theft Report, a police report and a copy of my credit report showing the fraudulent items related to each company that are the result of identity theft. Ialso enclosed a copy of the CFPBs Notice to Furnishers of Information. 
I asked each company involved to investigate this matter, absolve me of all subsequent charges, take the steps required under the Fair Credit Reporting Act and send me a letter explaining all findings and actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX XXXX, learned that my personal information was used to open several accounts I did not authorize. I immediately contacted Experian, XXXX and XXXX. All 5 accounts now are reporting closed but status is incorrect as they now show balances. 3 of the accounts are reporting late/past due. I am a victim of at least two data breaches and identity theft. I closed the accounts in question immediately. They were not delinquent. None of the accounts were reporting balances. I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent supporting documents. 
I enclosed is a copy of my Identity Theft Report, a police report and a copy of my credit report showing the fraudulent items related to each company that are the result of identity theft. Ialso enclosed a copy of the CFPBs Notice to Furnishers of Information. 
I asked each company involved to investigate this matter, absolve me of all subsequent charges, take the steps required under the Fair Credit Reporting Act and send me a letter explaining all findings and actions.

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 2024-11-25 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: LA

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 non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
XXXX Credit Reporting Agency has sent several result letters stating that they've investigated the accuracy of the XXXX XXXX bankruptcy, and they're stating on the results letter that they've verified through third party Lexis Nexis which I don't understand how this is feasible since I have a security freeze on my credit report since 2019. Please explain how my information is being communicate without my knowledge as no one from XXXX XXXX has reached out to me for permission to release my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: NC

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report 5 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX account opened on XX/XX/XXXX under the account number XXXX, an XXXX account opened on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies XXXX, XXXX, and Equifax. 
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
To Whom It May Concern : I am writing regarding the charge-offs reported on my credit report with your company, Navy Federal Credit Union- please see below for all account numbers. To address this matter and ensure accurate record-keeping, I am requesting a copy of IRS Forms 1099-C if one has been issued for these accounts.

As you are aware, the IRS requires creditors to issue a 1099-C form when {$600.00} or more of debt is canceled or forgiven, pursuant to IRS guidelines . If you have canceled or forgiven the debt associated with this account and filed a 1099-C with the IRS, please provide a copy for my records.

If a 1099-C has not been issued, I would appreciate confirmation of this in writing. Additionally, if the debt has not been canceled or forgiven and remains collectible, please provide evidence supporting your right to collect, including but not limited to : 1. A detailed account statement showing the balance owed.

2. Documentation of the original agreement and terms.

I kindly request a response within 30 days of receiving this letter. If no response is provided, I will assume that a 1099-C was not issued, and the debt remains subject to dispute and these accounts need to be DELETED DUE TO INACCURATE REPORTING BY YOUR COMPANY which is being displayed on my credit report. 

Account Name and Account Numbers : Name : Navy Federal Credit Union Number : XXXX Name : Navy Federal Credit Union Number : XXXX Name : Navy Federal Credit Union Number XXXX XXXX Thank you for your prompt attention to this matter. Please direct your response to my address listed on this account or via email XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Im very upset to see that my credit report has an account on it thats completely incorrect or not mine.

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 2024-11-25 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: IL

Complaint narrative:
Acct # XXXX Reporting From XXXX For A Balance Of {$370.00} Is Reporting To All 3 CRA incorrect According To FRCA 15 us code 1681 No Transcactions or experiences are allowed to be on a consumer credit report Income is forbidden to be on a consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
To Whom It May Concern : I am writing regarding the charge-offs reported on my credit report with your company, Capital One - please see below for all account numbers. To address this matter and ensure accurate record-keeping, I am requesting a copy of the IRS Forms 1099-C if one has been issued for these accounts.

As you are aware, the IRS requires creditors to issue a 1099-C form when {$600.00} or more of debt is canceled or forgiven, pursuant to IRS guidelines . If you have canceled or forgiven the debt associated with this account and filed a 1099-C with the IRS, please provide a copy for my records.

If a 1099-C has not been issued, I would appreciate confirmation of this in writing. Additionally, if the debt has not been canceled or forgiven and remains collectible, please provide evidence supporting your right to collect, including but not limited to : 1. A detailed account statement showing the balance owed.

2. Documentation of the original agreement and terms.

I kindly request a response within 30 days of receiving this letter. If no response is provided, I will assume that a 1099-C was not issued, and the debt remains subject to dispute and these accounts need to be DELETED DUE TO INACCURATE REPORTING BY YOUR COMPANY which is being displayed on my credit report. 

Account Name and Account Numbers : Name : Capital One Bank USA NA Account Number : XXXX Account Name : Capital One Bank USA NA Account Number : XXXX Thank you for your prompt attention to this matter. Please direct your response to my address listed on this account or via email XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: IL

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.

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 explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XXXX XXXX XXXX, after winning {$50000.00} at the XXXX, I partly cashed it after taxes at XXXX XXXX where I was given {$10000.00} in cash and a {$26000.00} cashier check. I deposited the check and {$9000.00} in person at Bank of America for it to be credited to my account. I was told that the check would be partly available on the XXXX, and the remaining on the XXXX. 
Come XX/XX/XXXX, not only none of the check cashier check was credited to my account, but the {$9000.00} in cash was debited from my account because of a hold, the reason being " information indicating the check ( s ) may be returned. '' Today, XXXX XXXX XXXX after being informed by Bank of America that my account is being closed because the XXXX XXXX check is counterfeit, I returned to XXXX XXXX where I was told that my check was paid on the XXXX, the same day it was deposited. I called their online check verification line, and the same information was confirmed. 
I called back Bank of America and they maintain that my account is closed because the check is fraudulent.

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 2024-11-25 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding LLC. Dear Sir/Madam, I am writing to formally demand that you cease and desist all communication with me regarding the alleged debt referenced under account # XXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly allowed by law ( such as notification of legal action or final settlement ), will be considered a violation of federal law, and I will take all necessary legal action to protect my rights.

Company response to consumer: Closed with non-monetary relief