vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was issued a Total and Permanent Discharge by the Department of Education on XX/XX/year>. When trying to get the XXXX credit bureaus to remove from credit report, they are constantly informed the information is correctly stated. When the Loan agencies are called, they pass me around from company to company. XXXX, XXXX, Texas Educational Loans etc. All informing me that I have no loans in my name. However, they can not remove me from the report since it is reported as different amounts and lenders than on my TPD form and the loan is listed as consolidated. I can not get any information on separating the spousal consolidation, only I must get on the Education website and apply. No form exists, no-one will assist. The loan is forgiven, yet still shows under my credit reports. Because I am retired with limited income, I can not get a loan anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: TX

Complaint narrative:
I was issued a Total and Permanent Discharge by the Department of Education on XX/XX/2024. When trying to get the 3 credit bureaus to remove from credit report, they are constantly informed the information is correctly stated. When the Loan agencies are called, they pass me around from company to company. XXXX, XXXX, Texas Educational Loans etc. All informing me that I have no loans in my name. However, they can not remove me from the report since it is reported as different amounts and lenders than on my TPD form and the loan is listed as consolidated. I can not get any information on separating the spousal consolidation, only I must get on the Education website and apply. No form exists, no-one will assist. The loan is forgiven, yet still shows under my credit reports. Because I am retired with limited income, I can not get a loan anywhere.

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 2024-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Someone tried to apply a credit card on my name on XX/XX/XXXX. The credit card application went through XXXXXXXX XXXX for XXXX store credit card.

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 2024-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
I was charged {$29.00} per month for a Coinbase One subscription over 25 months, totaling {$740.00}. I did not knowingly sign up for this service, and I have no record of authorizing these charges. The first charge occurred on XX/XX/XXXX, and I discovered the recurring charges in XX/XX/XXXX when reviewing my account. 

I contacted Coinbase support to dispute the charges, and after multiple escalations and discussions, I was informed that Coinbases policy allows only a one-month refund, which was issued on XX/XX/XXXX. I requested documentation proving my consent or any agreement authorizing this subscription, but Coinbase has not provided this information. 

I believe these charges were unauthorized and possibly the result of unclear or deceptive practices. My subscription has since been canceled, but the matter of the unauthorized charges remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: FL

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX  XX/XX/XXXX, under the account number ( XXXX ), a secured personal loan account opened at XXXX XXXX XX/XX/XXXX, under the account number ( XXXX ). I have identified several fraudulent hard inquiries and collections on my consumer FICO credit report. Attached, you will find a detailed list of the hard inquiries in question, as well as a copy of my FICO credit report that highlights these fraudulent entries. I do not recognize the accounts, collections, or hard inquiries mentioned, as they were neither opened nor authorized by me. These entries are the result of identity theft and fraud. For verification, I have included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ), issued by the U.S. Federal Trade Commission, which confirms that these accounts, collections, and inquiries were caused by identity theft and fraud.

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 2024-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-12-16 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: MO

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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 2024-12-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2024-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I recently received a civil suit notice from the local court stating that XXXX XXXX XXXX filed a lawsuit against me. I called them to get more info on the account. They stated that I took out a PayPal credit card account in XXXX of XXXX  and did not pay the balance. That is incorrect and I never took out an account. I would like to dispute this charge and have it removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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:
Kindly remove this inquiry from my credit report as I did not initiate it and have no relationship with the associated creditors. I request its immediate removal to ensure the accuracy of my credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Goal Structured Solutions, LLC
State: CA

Complaint narrative:
This is not the first time I have had a payment issue with this loan. I filed a previous complaint with CFPB about the same payment ( made XX/XX/year> ) but against the credit union XXXX. But they do not process the payments. Goal Structured Solutions does. I recently received a letter stating that I need to make the above payment by XX/XX/year> or face " to escalate to a new monthly payment. '' I contacted XXXX but they have no knowledge of the letter and asked me to send them a copy. XXXX also said it was a form letter that is sent out to everyone. The issue is they do not process their payments, Goal Structured Solutions does and they treat every account as debt collections. They even sent my wife the same letter regarding the above payment and she is not on the loan. The incompetence coupled with Goal Structured Solutions " XXXX you approach '' makes them and all involved a candidate for investigation. I have better things to do than file a complaint as does the CFPB but yet here we are. I think XXXX XXXX ( XXXX ) owes CFPB and myself some answers. The scary part is these XXXX  are one of the largest holders of student loans. How does that happen? I have a letter of apology and conformation of the payment from XXXX. What I want is to not have to revisit this issue or any other idiocy from these companies. Stay away from XXXX XXXX XXXX, Launch Servicing and Global Structured solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: NJ

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXXXXXX Opened : XX/XX/XXXXXXXX  Balance Owed : {$22000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$25000.00} XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: CA

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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 2024-12-16 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: CA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate 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 2024-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: ASSOCIATED BANC-CORP
State: NC

Complaint narrative:
On XXXX XXXX I received notification that checking account was opened at Associated Bank using MY Social Security Number, I called the Bank immediately and they say, they had frozen the account and started an investigation, I called several times last week and they say they said it was still in progress, when I called today XX/XX/year> and gave them my social security number they said they had NO record I will furnish my SSN to your representative upon request, but since bank has no record not sure if that would help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address and SSN card.

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 2024-12-16 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: TX

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address and SSN card.

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 2024-12-16 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: NJ

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2024-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NJ

Complaint narrative:
suing me for XXXX from crown asset management llc XXXX XXXX XXXX i do not recall this acct and never signed anything

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The following Accounts showing on my XXXX Credit Report are Fraudulent 1 ) Account owner Joint Account Date reported XX/XX/XXXXXXXX  Account status Unpaid Creditor Classification Rental/Leasing Original amount owed {$2600.00} Original creditor XXXX XXXX XXXX XXXX XXXX assigned XXXX Agency XXXX XXXX XXXX Status date XX/XX/XXXX Delinquency Date of last payment Balance owed {$2600.00} Comments None Balance date XX/XX/XXXXXXXX  Date of first delinquency 2 ) Date filed 3 ) XX/XX/XXXX 4 ) Bankruptcy disposition 5 ) XXXX XXXXXXXX 6 ) Liabilities 7 ) Individual/Joint 8 ) Individual 9 ) Current disposition date 10 ) XX/XX/XXXX 11 ) Exempt amount 12 ) Comments 13 ) Case number 14 ) XXXX XXXX ) Date reported 1XXXX ) XX/XX/XXXX 17 ) Court number/name 18 ) XXXX 19 ) Individual/Business 20 ) Individual 21 ) Asset amount 22 ) Date verified 23 ) Prior disposition 24 ) XXXX FILED 1 ) XXXX XXXX  Bankruptcy Reference XXXX ( This Bankruptcy Belongs to a XXXX XXXX ) XXXX XXXX XXXX XXXX  Amount {$670.00} Account # XXXX Date opened XXXX XXXX XXXX XXXX Account XXXX XXXX Amount {$900.00} XXXX XXXX XXXX  Account # XXXX Amount {$7100.00} Date opened XX/XX/XXXXXXXX XXXX XXXX Bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: HI

Complaint narrative:
Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.

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 2024-12-16 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: LA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, which has led to fraudulent accounts being opened in my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following fraudulent accounts be blocked and deleted from my credit file immediately : Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief