vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear LexisNexis Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My work deposit went into this account and odd reasons they froze my account and told me I have to wait for a letter to come in the mail, letter came with no directions on it but XXXX agent yelling at me telling me that I need to wait on a letter I already have with no guidances.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am writing to formally request the unfreezing of my credit report. I recently placed a security freeze on my credit file, and I now require it to be lifted to proceed with financial transactions. Specifically, I am in the process of applying for an auto loan, and the lender needs access to my credit report to assess my eligibility and finalize the loan approval.

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 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC.
State: GA

Complaint narrative:
I called ECMC and spoke with a rep who stated we were on a recorded line. on XXXX around XXXX I advised her my name and that I was calling to figure out why they were reporting a balance on my credit report with an address that I never lived at. I proceeded to tell the rep that I can give her the account number that shows on my report. The rep advised that she needs to verify me by my address and social security number. Because this company is reporting an account that does not belong to me with incorrect personal information and from over 19 years ago which exceeds the statute of limitations AND they have exposed me to identity fraud by reporting inaccurate information. The amount reported on my credit profile is {$7000.00}.

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 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
On Saturday, XX/XX/XXXX my Coinbase account was frozen and restricted from making purchases. They told me this was due an account security issue. The only thing I did was sell a crypto holding and then this was triggered. I've called or messaged Coinbase support on 6 different occasions from XXXX XXXX to XX/XX/XXXX. The support techs aren't able to give me a reason why my account was frozen and they can't give me an estimate of when my account will be restored. I requested to speak with a supervisor and they refused to do this. I asked on two separate occasions and I was told their systems do not allow for this. To make matters worse, I am a Coinbase One subscriber and pay {$30.00} per month for this kind of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FactorTrust, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The accounts that are still in pending litigation on my credit report have been a constant source of frustration. Ive made numerous attempts to get this corrected, and nothing has been done. Its maddening that Im still dealing with this issue, especially since its unfairly hurting my credit score.

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 2025-02-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
It should have been deleted from my report its still on here saying 30 days late 1x 60 days late 1x and 90 days late 31x I asked that this please be corrected and deleted from my profile they have bout 2/3 statements one saying close by grantor, charger off it was a paid and full agree to deletion but never was deleted and it hurting my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: W&A Intermediate Co., LLC
State: SC

Complaint narrative:
I am writing to formally dispute the inaccurate information reported XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, which has resulted in harm to my credit report, financial status, etc. Pursuant to 15 U.S.C. 1681o of the Fair Credit Reporting Act, these organization may be held civilly liable for damages caused by negligent noncompliance with the Acts provisions.

Specifically, the following information is inaccurate : WAKEFIELD & ASSOCIATES is falsely reporting a 607 debt amount on my credit report. XXXX XXXX XXXX XXXX is still reporting a negative balance on my report. This report was paid but is still showing negative on my report. 
Account number for XXXX XXXX XXXX : XXXX Account number for XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Details for XXXX XXXX XXXX  XXXX : Incorrect balance of XXXX, status was updated XX/XX/XXXX and paid in full. 
Inaccurate Details for XXXX XXXX XXXX  : Incorrect balance of XXXX, status states the Collection account. {$600.00} past due as of XX/XX/XXXX. Date opened XX/XX/XXXX. This amount was inaccurate. 
I request that you conduct a reasonable investigation into this matter and correct or remove the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
On XX/XX/year>, I called the credit card company for two reasons : 1 ) because I found out that they reported my closed account as past due causing my credit score to drop by 30+ points, and 2 ) to let them know that I'm willing to make monthly payments to satisfy any balance that may exist ( they don't inform me via monthly statements what my balance is ). I was told that they continue to charge interest on an account that they forcibly closed for " making payments too frequently ''. My argument is : how can I have a balance on a card that I paid too frequently? No charges have been made because they closed my account, and how can they continue to charge interest on a closed account? I believe this to be fraudulent practice and want this account removed from my report completely.

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 2025-02-05 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: GA

Complaint narrative:
Please ensure that the unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not open or permit these accounts and do not recognize them. As per USC 1681g, I request their removal within 15 days. Enclosed are relevant documents for your reference.

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 2025-02-05 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: TX

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my XXXX score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high XXXX  score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio Recovery reported a debt on my credit report without any prior communication. I received no dunning letter, phone call, text, or email before they reported to the credit bureaus. 

This violates Section 1692g of the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to send a written notice within 5 days of initial communication.

This unauthorized reporting has negatively affected my credit score and financial standing.

I request that Portfolio Recovery remove this entry from my credit reports and provide proper validation of the debt as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: GA

Complaint narrative:
I wrote to experian to verify the accuracy of accounts ( XXXX ) XXXX XXXX XXXX XXXX # XXXX, ( XXXX XXXX XXXX XXXX # XXXX, ( XXXX ) LVNV # XXXX, ( XXXX ) XXXX XXXX XXXX ****. Nothing was corrected. I wrote again to ask for proof of validation and still nothing. After that I wrote the 4 creditors and I asked them for a original signed contract showing validation. No one wrote back. I sent all certified letters to the creditors. I am asking for these 4 creditors to permanently be removed from my credit profile. Thank you for your help.

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 2025-02-05 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: OH

Complaint narrative:
there is a foreclosure reported on my credit report and other content is coming back as verified without proper investigations lots of derogatory marks inquiries and unknown accounts all three bureaus ' Equifax, Experian and Transunion

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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:
there is a foreclosure reported on my credit report and other content is coming back as verified without proper investigations lots of derogatory marks inquiries and unknown accounts all three bureaus ' Equifax, Experian and 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 non-monetary relief
Consumer complaint received 2025-02-05 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-05 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-05 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: NY

Complaint narrative:
I am writing to remove the following reports from my account. My name is XXXX XXXX, and I am a victim of Identity Theft. The accounts listed below need to be removed from my profile as it is both inaccurate and time crucial. I reported the theft of my identity to the Federal Trade Commissions and also enclosed copies of the FTC Identity Theft Affidavit. At this time please understand that this matter is urgent and should be handled with extreme time sensitivity. I urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681 c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within XXXX ( XXXX ) business days from the date of receipt of this letter. 

Account Name : XXXX Account number : XXXX Date Account was Opened : XX/XX/XXXX Balance : {$750.00} Account Name : XXXX  Account number : XXXX Date Account was Opened : XX/XX/XXXX Balance : {$770.00} Account Name : XXXX  Account number : XXXX Date Account was Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account number : XXXX Date Account was Opened : XX/XX/XXXX Balance : {$390.00} Account Name : XXXX Account number : XXXX Date Account was Opened : XX/XX/XXXX Balance : {$0.00} The following Inquiries are to be removed : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The following Addresses are to be removed : XXXX XXXX XXXX XXXX XXXX XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue.

Company response to consumer: Closed with non-monetary relief