BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, my name is, XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 



1. XXXX XXXX XXXX XXXX ACCOUNT # XXXX Date opened XX/XX/XXXX Balance {$6500.00} 2. XXXX XXXX XXXX XXXX ACCOUNT # XXXX Date opened XX/XX/XXXX Balance {$3800.00} 3. XXXX XXXX - ACCOUNT # XXXX Date opened XX/XX/XXXX Balance {$1400.00} 4. XXXX XXXX XXXX ACCOUNT # XXXX Date opened XX/XX/XXXX Balance {$2700.00} Unauthorized Inquiries : 1. XXXX XXXX Inquiry date : XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 3. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Kriya Capital, LLC
State: NJ
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is a clear violation of 12 cfr 1006 34c and 15 USC 1692. There was no validation of this debt as well as not knowing I could evan dispute this debt. This debt has damaged my consumer report as well as my mode of living. Please remove Credence from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX Balance Owed : {$920.00} - This kind of account is noted as a charged off account. The account balance is truly inaccurate, be sure to remove the item fully. Please also offer documentation to make sure that all the charges and credits to this particular alleged account that caused the high credit number you have displayed on my report. My petition to give these records is seen as a standard information inquiry as per my privileges awarded through the fair credit billing act. If you're unable to deliver this data per my civil rights inquiry, you should automatically eliminate this specific erroneous entry. 

XXXX XXXX Balance Owed : {$0.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account. 

XXXX XXXX XXXX Balance Owed : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$280.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX Balance Owed : {$420.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete immediately. 

XXXX XXXXXXXX Balance Owed : {$2300.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete 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 2019-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019, I the dispute process with the Transunion credit bureau, XXXX  and XXXX   regarding a unverified bankruptcy that is currently on my credit report. I sent a certified letter on XX/XX/2019 requesting that they remove the unverified information on my credit file. All three bureaus responded back that the information had been previously verified. The next set of letters that I sent, dated XX/XX/2019 requesting the method of verification ; complete list of all documents and correspondence with the furnisher of the information, with the list of contact and names of the employees that they spoke to as part of this investigation. I have not received a response from XXXX  nor XXXX but I had received a letter from Transunion, stating that they an investigation has already been done that the information had already been verified. They all have failed to fulfill their obligation under the FCRA sec 611 ( 6 ) ( b ) ( iii ) and 7. I contacted the Bankruptcy court that was listed on my credit file, to inquired about the credit bureaus findings and the courts response was that they do not share information with credit bureaus nor any third party vendors. They have not completed a reasonable investigation. How then can these bureaus conclude that the information that they are reporting is verified. I want this unverified information deleted from my credit file. I have attached to this complaint the correspondence from the bankruptcy court listed on my credit file and proof and receipts of the letters I sent to Transunion.

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 2023-08-27
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Have no knowledge of these accounts. I have filed a identity theft 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
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was a victim of identity theft around XXXX of XXXX  I have been having issues with my credit for years. Moreover, most issues are resolved however some not. I have contacted the Credit Bureaus to ask them to investigate these collections/debts it is no knowledge, not mine. I dont hear anything from them but see its updated on file, I respond again because I not only see its from a residence Ive never resided, I see its an open account, which is impossible because I currently have same provider and have had same provider for at least a decade. I write the credit bureaus asking them to validate, again no validation or proof bearing legality. I have not been contacted by phone, by mail, by anything. My information has been the same for at least a decade. I even had a few credit cards, now paid off they have listed as charged off, which is inaccurate. I called these companies and they all say I should be contacting the credit bureaus. Its more confusing because all 3 major credit bureaus have conflicting information. I send them a photo copy of my valid current ID, a utility bill and my phone number asking them to PLEASE remove all the other listed wrong names and/or addresses on my profile, which were never mine, they never did that! I tried to contact the debt collector myself theyre so rude, they want all my personal information but if they rightfully have this or this was valid they would have that. Please help. I dont know what else to do! I dont know much about the FCRA laws, but since my identity was stolen and working to get it back on track, I know this is wrong. I know the way some of these collections agencies are wrong. Validate the debt. Credit bureaus do your due diligence if its not validated, remove it from profiles. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was looking through my consumer report and noticed a debt from XXXX XXXX. XXXX XXXXXXXX of a balance of {$26000.00}. In pursuant to 15usc 1692j ( a ) states It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating. So Equifax is breaking the law by allowing third party debt collectors to design, compile and furnish my consumer report without the consumers consent when their job is to protect my consumer report. Also in pursuant 15usc 1692j ( b ) states Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX of this title for failure to comply with a provision of this subchapter. Also in pursuant to 15USC 1681 ( a ) ( 4 ) of Congressional findings and statement of purpose 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. So, Equifax has broken multiple laws by giving debt collectors the right to design and furnish my credit report to destroy my ability to get an apartment and a car. I need a right to remedy by removing XXXX XXXXXXXX XXXX XXXXXXXX from my consumer report as this is damaging my livelihood. I WANT ALL RESULTS INCLUDING DISPUTE RESULTS TO GO THROUGH THE CFPB. I AM NOT ASKING FOR DEBT TO BE VERIFIED. I want a response within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
This compliant is about Coinbase. I fully appreciate the risks of trading cryptocurrencies, however their false and misleading information caused me to lose money, and their lack of accountability is unacceptable for a publicly traded firm. 
By way of background, I sent XXXX ( XXXX, also known as new XXXX or XXXX XXXX ) to my Coinbase wallet, to the address provided by Coinbase in my account, which was confirmed on XXXX. When the XXXX did not show up in my Coinbase account, I started looking what might have happened. Apparently, Coinbase only supports XXXX XXXX  ( referred to as XXXX on the XXXX website - https : XXXX ). XXXX underwent a swap to XXXX and has a different logo. Coinbase uses this new XXXX logo and symbol XXXX, but apparently, they only support XXXX. 
After many attempts to contact Coinbase ( all you can get are automated replies ), I finally got an agent who said that the coins would likely be available when Coinbase swaps XXXX to to XXXX ( the new version ). Per Coinbases website, this was to occur by the end of 2021. I have a copy of the webpage stating this as well, but they have now changed the page to remove the 2021 notation. 
I asked Coinbase to either return them to the Metamask wallet from which they were sent or liquidate the XXXX to Ether or USD within my Coinbase account. They said they could not do this, which is incorrect as they are working on the swap of the coin and do have access to my wallet, so whether internally or using third-party programs, they could effectuate the swap. 
After filing a formal complaint with Coinbase ( and it taking them over a month to respond ), they said that they owed no responsibility, citing Section 2.3 of their User Agreement which provides that Coinbase only supports certain cryptocurrencies and is not liable when you transfer unsupported cryptocurrencies to your Coinbase. This is a legitimate position on their point if the issue were that I just sent the wrong coins to my wallet, however the issue here is not that they do not support the cryptocurrency it is that they displayed false and misleading information about the cryptocurrency that they do support, which compelled me to transfer the wrong coin, and then they claim it is out of their control and lost ( which is in conflict with them also saying the coins will be available once they complete the swap to XXXX, which was supposed to be done by the end of 2021 ). 
I am happy to talk through the situation with a representative who understands crypto and how transfers are made. As noted, I would usually take full responsibility for sending the wrong crypto or sending to an incorrect address, but that was not the case here. Coinbases false and misleading information led me to improperly transfer the funds, and they should be help accountable. 
Thank you for your assistance. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-15
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXXXXXX. Attempts to continue to break FCRA laws and send me same investigation results continuously that they have investigated again. They are report inaccurate bankruptcies after I gave them identity theft reports and information regarding violation of my rights. I want legal aid information to sue XXXX XXXX in the court of law. Their results says Verified but unspecified information??? If you verified, you should have revelant information including adjudication and adjuction dates which they fail to provide. This is hurting my attempts to obtain credit because they are reporting that I'm in active Bankruptcy and I'm being denied credit.. Im not in a bankruptcy or in a filed bankruptcy which they reporting I am. FERDERAL court did not communicate or verify with XXXX  the above records : XXXX, XXXX, XXXX, XXXX are not my cases. Proved with identity theft reports sent to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The Credit Bureaus stated my account was properly investigated but how can this be true when there are 23 accounts with inaccurate information reporting? These inaccuracies are grounds for monetary reimbursement as well as removal as they violated my rights under the following : 15 U.S.C. 1681 section 602 A which states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 which states a consumer reporting agency can not furnish an account without my written instructions Also the credit bureaus took longer than 30 days to review and update the information on my report as requested in XX/XX/2022. Here are my certified mail tracking numbers XXXX : XXXX XXXX : XXXX Transunion : 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 2022-08-11
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
i'm XXXX XXXX, im the XXXX  of XXXX XXXX XXXX XXXX a XXXX  registered in FLORIDA, i have received payments from XXXX XXXX XXXX XXXX XXXXXXXX XXXX 1. XXXX in the amount of {$130000.00} which was cleared and cashed without issue. 

2.XXXX in the amount of {$140000.00} which was cleared and cashed without issue. 

3. XXXX XX/XX/2021 in the amount of {$140000.00} and {$100000.00} and and payment has been credited to my chase account and cleared, chase called XXXX and they confirmed it's a good check and has been paid to chase. 

however chase is still requesting to verify that the issuer business owner wrote the check and XXXX  which is the business owner of the check is out of the country and will answer call at the phone : XXXX or XXXX which chase rejects to contact and doesn't provide any other option. which doesn't make any sense the check has already been cleared and confirmed authenticity by XXXX ( XXXXssuer bank ) i had received checks from this business before at the same account and was cleared and cashed as you can see attached. chase rejects to release the funds to my business or send back to the originator. Also XXXX would be availble for a VIDEO call so he can present his Identification and confirm checks, send a certified letter from XXXX to united states, which i don't believe it's necessary as showed and proved that i had checks cleared and cashed from them before. please assist as i have employees and vendors to pay. my business account number at chase is : XXXX

Company response to consumer: Closed with explanation