vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-16 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: TX

Complaint narrative:
I hope this message finds you well. I am writing to express my dissatisfaction with the handling of my recent request to remove fraudulent items from my account. 

Despite my prompt action and providing all necessary documentation to support my claim, I am disappointed with the outcome of the initial attempt to remove the fraudulent items. The process has been slow and ineffective, and the fraudulent charges remain on my account, causing me undue stress and financial strain. 

As a loyal customer, I expected a more efficient and proactive response from your company in addressing this issue. The failure to promptly address and remove the fraudulent items has not only compromised my financial security but has also eroded my trust in your company 's ability to protect its customers from fraudulent activity. 

I urge you to take immediate action to rectify this situation. I request that you expedite the process of removing the fraudulent items from my account and provide me with clear communication regarding the steps being taken to prevent similar occurrences in the future. 

Furthermore, I believe it is reasonable to request compensation for the inconvenience and distress caused by this oversight. I trust that you will handle this matter with the urgency and seriousness it deserves and provide me with a satisfactory resolution promptly. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX : XXXX  XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2100.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$290.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX : {$290.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXXXXXX XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: MO

Complaint narrative:
Coinbase platform put restrictions on my account without my permission. I reached out to coinbase and they asked me to provide set of documents and promised to remove restrictions in XXXX hrs. Now its more than 8 days and still I can't use my account due to this I am unable to withdraw my money and it's blocked by coinbase. Every time I need to spend more than XXXX hrs to wait for their customer service response and they don't have answer for my query. I also asked them to connect to their appropriate group within coinbase who can help but my request was denied. 
At this time all my investments are blocked by Coinbase without my consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
Inaccurate Account Information** : The report inaccurately lists an account with XXXX XXXX XXXX XXXX being XXXX days late with a balance of {$6900.00}. However, there is no detailed payment history provided, making it challenging to verify the accuracy of this information. 

3. XXXX Account Error** : The report indicates a debt in collections with XXXX XXXX XXXX XXXX XXXX XXXX collection account and a balance of {$190.00}. I have no record of this debt in collections, and I request further investigation into its validity. 

4. **Incorrect Inquiry Listings** : The report lists inquiries from Revved Motor and XXXX XXXX as hard inquiries on XXXX, but I have not authorized these inquiries. Additionally, there are discrepancies in the reporting of inquiries between the three bureaus. 

I request a thorough investigation into these discrepancies and inaccuracies, and I ask that any erroneous information be promptly corrected or removed from my credit report. Enclosed with this letter are copies of supporting documents, including proof of address and any relevant correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am writing to address the recent communication regarding the collection of a debt that has previously been reported as identity theft and subsequently deleted. It has come to my attention that you have sent a letter threatening to garnish my payments. 

I must assert that this debt is not valid, as it was determined to be a result of identity theft and has been deleted from my records accordingly on XX/XX/2022. Any attempt to collect on this debt is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and my rights as a consumer under the law. 

Furthermore, under 2C:21-17a of New Jersey state law , it is illegal to knowingly attempt to collect a debt that was incurred as a result of identity theft. This statute provides clear legal protection for consumers in situations such as mine.

I demand that you comply with the FDCPA, the Fair Credit Reporting Act ( FCRA ), and New Jersey state law by ceasing all collection activities related to this debt and confirming its deletion from your records within [ specify a reasonable timeframe, e.g., 10 business days ] of receipt of this email.

Failure to comply with these laws, including 2C:21-17a, will result in legal action being taken against your agency. Any further communication or action from your agency regarding this debt will be scrutinized for compliance with these laws.

Please acknowledge receipt of this email and confirm your compliance with my demands within the specified timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: National Credit Systems,Inc.
State: MN

Complaint narrative:
They say I owe {$650.00}. However their accountant for the original collector from ( XXXX XXXX XXXX XXXX  ) can not find any debt I owe. I keep disputing because they told me to dispute it on my credit report and the credit bureaus keep telling me its correct and its not so I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LEXISNEXIS
State: CA

Complaint narrative:
I have received multiple inquiries from payday loans on my clarity report. Someone seems to be searching to use my identity to acquire credit. Please remove all inquiries issued from XX/XX/2023. Screenshots are attached of the unauthorized inquiries. I also attached the identity theft report previously filed related to my id theft filing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
I have received multiple inquiries from payday loans on my clarity report. Someone seems to be searching to use my identity to acquire credit. Please remove all inquiries issued from XX/XX/2023. Screenshots are attached of the unauthorized inquiries. I also attached the identity theft report previously filed related to my id theft filing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: AZ

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding a violation of my credit reporting rights, which has resulted in inaccurate and misleading information being displayed on my consumer report. This issue pertains to the reporting of transactions on my credit report, specifically regarding the display of balances and payments. I believe this practice is in direct violation of relevant statutes, including 15 U.S.C codes and 16 CFR regulations.

According to 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ), creditors have a legal obligation to provide accurate information to consumer reporting agencies. Furthermore, 15 U.S.C 1681b ( f ) specifies the permissible purposes for obtaining consumer reports, and any information provided must be accurate and verifiable.

Displaying the balance and payments on a consumer report constitutes reporting transactions, which falls under the purview of the Fair Credit Reporting Act ( FCRA ). As such, it must adhere to the guidelines outlined in relevant statutes and regulations. 16 CFR 660.4 states that when reporting an account to a consumer reporting agency, it must be reported accurately and reflect the consumer 's payment behavior. Specifically, it should be reported as " Paid as agreed '' when payments are made on time.

Failure to report transactions accurately not only misrepresents my financial behavior but also violates my rights under the Privacy Act of 1974, which safeguards the confidentiality and accuracy of personal information held by federal agencies. By failing to report the status of my accounts as " Paid as agreed, '' the creditor is providing inaccurate information, which can have detrimental effects on my creditworthiness and financial standing. 

Therefore, I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the inaccuracies on my consumer report. I also urge the bureau to ensure that creditors adhere to the provisions outlined in the FCRA and other relevant statutes to prevent similar violations in the future. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX 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 explanation
Consumer complaint received 2024-03-16 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: AZ

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding a violation of my credit reporting rights, which has resulted in inaccurate and misleading information being displayed on my consumer report. This issue pertains to the reporting of transactions on my credit report, specifically regarding the display of balances and payments. I believe this practice is in direct violation of relevant statutes, including 15 U.S.C codes and 16 CFR regulations.

According to 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ), creditors have a legal obligation to provide accurate information to consumer reporting agencies. Furthermore, 15 U.S.C 1681b ( f ) specifies the permissible purposes for obtaining consumer reports, and any information provided must be accurate and verifiable.

Displaying the balance and payments on a consumer report constitutes reporting transactions, which falls under the purview of the Fair Credit Reporting Act ( FCRA ). As such, it must adhere to the guidelines outlined in relevant statutes and regulations. 16 CFR 660.4 states that when reporting an account to a consumer reporting agency, it must be reported accurately and reflect the consumer 's payment behavior. Specifically, it should be reported as " Paid as agreed '' when payments are made on time. 

Failure to report transactions accurately not only misrepresents my financial behavior but also violates my rights under the Privacy Act of 1974, which safeguards the confidentiality and accuracy of personal information held by federal agencies. By failing to report the status of my accounts as " Paid as agreed, '' the creditor is providing inaccurate information, which can have detrimental effects on my creditworthiness and financial standing. 

Therefore, I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the inaccuracies on my consumer report. I also urge the bureau to ensure that creditors adhere to the provisions outlined in the FCRA and other relevant statutes to prevent similar violations in the future. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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 guidelines mentioned under 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibit the furnishing of any information that is known or believed to be inaccurate. Yet, contravening the law has become a frequent occurrence with these reporting agencies. 
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

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 2024-03-16 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: AR

Complaint narrative:
I believe that this account is reporting inaccurately.

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 2024-03-16 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: AR

Complaint narrative:
I believe that this account is reporting inaccurately.

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 2024-03-16 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: GA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : 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

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 2024-03-16 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: GA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 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:
On XXXX XXXX XXXX  I requested all of the relevant information that lawfully gives XXXX XXXX XXXX the right to furnish an alleged debt to my consumer report. I also asked for a contract or agreement that I have with them. XXXX XXXX XXXX never provided this information. They sent a photo copy of some documents and none of the documents have their name or any signatures on them. Therefore are hearsay. XXXX XXXX XXXX never had have my written permissible permission or purpose to furnish any transactions to my consumer 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 2024-03-16 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: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2024-03-16 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: TX

Complaint narrative:
I hope this letter finds you well. I am writing to express my dissatisfaction with the initial attempt made to correct the late open accounts associated with my account. 

Unfortunately, the initial attempt to correct these late open accounts has been ineffective. Despite providing all necessary documentation and evidence to support my claim, the resolution process has been slow and unproductive. This lack of urgency and efficiency in addressing the issue has only added to the financial strain caused by the late open accounts. 

As a valued customer, I expected a more proactive and expedient response from your company in addressing this matter. The failure to promptly rectify the late open accounts has not only impacted my creditworthiness but has also diminished my trust in your company 's ability to fulfill its obligations to its customers. 

I urge you to take immediate action to rectify this situation. I request that you thoroughly review my account and expedite the process of correcting the late open accounts without further delay. Additionally, I expect transparent communication regarding the steps being taken to address this issue and prevent similar occurrences in the future. 

Furthermore, I believe it is reasonable to request compensation for the financial difficulties and stress caused by this oversight. I trust that you will handle this matter with the seriousness it deserves and provide me with a satisfactory resolution as soon as possible. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX  XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX Balance : {$300.00}.

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 non-monetary relief