vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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:
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, CA XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Charge off XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Charge off XXXX XXXX XXXXXXXX XXXX Date XXXX XXXX XX/XX/XXXX Balance : $ XXXX Charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late/Closed XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Charge off XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Collection

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Consumer Financial Protection Bureau Complaint Company : XXXX XXXX XXXX, XXXX Prior Complaint Reference : [ Previous CFPB Complaint Number ] Multiple FCRA Violations- Urgent Review Required Description of Ongoing Violations : 1. Failure to Provide Investigation Results- Initial dispute ( # XXXX ) completed XX/XX/year> - no results provided - Follow-up dispute ( # XXXX ) completed XX/XX/year> - no results provided - Prior CFPB complaint filed ( Complaint ID XXXX ) - no resolution 2. Continued Reporting Without Dispute Flag - Account continues to be reported without required " account in dispute '' notation - Violates FCRA 611 ( c ) requiring disputed information to be clearly noted - Monthly updates occurring without dispute flag since XX/XX/year> 3. Failure to Follow Proper Investigation Procedures - No evidence of investigation being conducted - No communication of investigation findings- Continued reporting without verification 4. Timeline of Violations : XX/XX/year> : Initial dispute filed XX/XX/year> : Dispute marked complete - no results provided XX/XX/year> : Second dispute filed XX/XX/year> : Second dispute marked complete - no results provided [ Date ] : First CFPB complaint filed [ Dates ] : Account updated without dispute flag Legal Basis : - FCRA 611 ( a ) ( 6 ) : Requires notice of results - FCRA 611 ( c ) : Requires disputed information to be noted - FCRA 611 ( a ) ( 1 ) : Requires proper reinvestigation - FCRA 623 ( a ) ( 3 ) : Requires accurate reporting Damages Incurred : 1. Continued negative impact on credit score 2. Denial of credit opportunities 3. Higher interest rates on existing accounts 4. Time and resources spent attempting to resolve Requested Resolution : 1. Immediate cessation of reporting until investigation is properly completed 2. Provision of all dispute investigation results 3. Addition of dispute flags to all credit reports 4. Removal of account if proper investigation results can not be provided 5. Correction of all credit reports where information was shared without dispute flag 6. Documentation of compliance with FCRA investigation requirements Impact on Consumer : This ongoing situation demonstrates a pattern of FCRA violations that continues to harm my creditworthiness and ability to obtain credit. Each month this account is updated without a dispute flag represents a new violation and further damage to my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
On XX/XX/year> I backed up my " seed phrase '' per Coinbase 's instructions to my XXXX XXXX. I then logged out of the wallet app and tried to log back in. When I went to the XXXX XXXX folder that was created by the Coinbase app, there was no backed up seed phrase in the folder. I have been locked out of the account since late 2021 and Coinbase tells me there is no other way to retrieve over {$75000.00} in XXXX currency sitting in that wallet. 

On XX/XX/year> they stated " XXXX XXXX, Were working hard to quickly address this issue, and we'll reach out to you as soon as we have an update. 

In the meantime, please reply to this email if you have any additional questions. 

Thank you in advance for your patience and understanding. 

Regards, Coinbase Support '' I have not had any success getting a resolution since that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: SC

Complaint narrative:
I, XXXX XXXX, authorized this dispute to address multiple violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. My letter outlines instances where my rights as a consumer have been infringed, including inaccuracies on my credit report, unauthorized hard inquiries, and failure to validate or disclose critical information. Below are the main issues I identified : Failure to Verify Accuracy : As per FCRA Section 616, you accepted and reported inaccurate information about me without first verifying its accuracy, constituting willful noncompliance. This subjects you to potential civil liability of up to {$1000.00} per violation. 

Deceptive Practices Regarding Personal Information : In violation of FCRA Section 603 ( d ) ( 2 ) ( A ), you failed to inform me of my right to opt out of sharing my personal information, thereby engaging in deceptive conduct. 

Inaccurate Reporting of Accounts and Late Payments : Under FCRA Section 623 ( a ) ( 3 ), you furnished incorrect information on my credit report, such as false late payments and unverified accounts. This violates Generally Accepted Accounting Principles ( GAAP ) and my consumer rights. 

Unfair Debt Collection Practices : Violations under the Debt Collection Practices Act include reporting alleged debts without my consent and subjecting me to harassment by allowing contact from debt collectors based on inaccurate information.

Unauthorized Disclosure of Debt Information : Debt collectors improperly disclosed debt information to third parties, which contravenes regulations governing location information requests and debt disclosures.

Reporting Late Payments Without Clarity : Late payments were reported without clear definitions, leading to misleading and deceptive credit information. 

Incorrect Finance Charges : Finance charges were inaccurately determined, violating obligations as a credit reporting entity. 

Unauthorized Hard Inquiries : Information was accessed and reported on my credit report without my written consent, violating permissible purpose requirements under 15 USC 1681b ( a ) ( 2 ).

In response, I requested corrections, validation of debts, and removal of inaccurate entries, including unauthorized hard inquiries and incorrect personal information. Specifically, I outlined XXXX distinct entries that require immediate attention and resolution, citing the appropriate U.S. Code laws and legal precedents. I emphasized that failure to address these issues promptly may compel me to pursue legal action for your noncompliance. 

This is a clear and firm demand for compliance with consumer protection laws to ensure my rights are upheld and my credit report is accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: IL

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. Details of the account involve are as follows : Collection/Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$21000.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$580.00} Late Payment XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$41000.00} Inquiries XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ; Late XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX XX/XX/XXXX {$3900.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Chime Financial Inc
State: CA

Complaint narrative:
CHIME has been reporting an incorrect delinquency status on my XXXX credit report that is causing massive financial damage. This is a pre paid credit builder card and there is no way I could " fall behind '' when all the funds used are my own money. I have contacted them on several occasions and initiated a call with there escalations team but I still have derogatory remarks on my credit report. These remarks show a XXXX XXXX late in XXXX of 2024, and a charge off for XXXX and XXXX of 2024. I am in the middle of obtaining a mortgage and these incorrect remarks are causing immense financial damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: WI

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: UPGRADE, INC.
State: CA

Complaint narrative:
Fraudulent loan, XXXX is claiming a work was made in my property with a value of {$100000.00} & completed on XX/XX/XXXX, which is false. XXXX XXXX XXXX and XXXX without my knowledge or authorization processed a fraudulent loan with XXXX XXXX. The only work done in my property was the installation of twenty-five solar panels that I do not need because I had solar panels installed since XXXX. XXXX XXXX submitted several claims for the same solar panels ( there is no record of work permit ), and there are other companies claiming the same work. Did they prove they were able to complete a construction in less than XXXX XXXX? I signed an stimate on XX/XX/XXXX but XXXX XXXX were paid by XXXX on XX/XX/XXXX. Credit check, work completed and payment in less than XXXX XXXX is incredible for an scheme like that, I understand they did all on line because loan documents do not have our signatures, nothing was presentes to us in our meeting of XX/XX/XXXX and no loan conversation was covered. XXXX XXXX absconded but were finally served to respond in Court the multimillion scam he is running with other construction companies and financial institutions. My property is available for inspection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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 am filing a complaint to request a reinvestigation of the following account on my credit report, as I believe there are inaccuracies : Account Name : COMENITY BANK/EXPRESS Account Number : XXXX I request that the Consumer Financial Protection Bureau assist in ensuring the accuracy of this account 's reporting under the Fair Credit Reporting Act ( FCRA ). Please investigate this matter thoroughly and correct or remove any errors found. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently did a pre-approval for a mortgage through XXXX XXXX. I manage my Credit File via Experian. I always keep my credit file locked. So when XXXX did the enquiry I unlocked my file for a moment and locked it again once XXXX had successfully did a credit enquiry. 

Now both XXXX and Experian are stating they did not share my info and this credit enquiry outside. But since my credit enquiry I am getting XXXX calls a day on my cell phone which is linked to my Experian account from various Lenders. And they all are aware of my mortgage credit enquiry.. 

I never permitted either Experian or XXXX to share this enquiry outside. So frustrated on how this got leaked and more importantly how did my personal info got shared externally. My home address, my phone number and name and the fact that I applied for mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX XXXX of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information 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 non-monetary relief
Consumer complaint received 2024-11-27 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: AZ

Complaint narrative:
Subject : Cease and Desist and Dispute of Debt Collection Reporting To Whom It May Concern, This letter serves as a formal dispute of the debt you are attempting to collect and as a notification that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), to request that you cease all further communication with me regarding this alleged debt. Additionally, I am disputing the accuracy of the reporting of this debt on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ).

The debt in question is as follows : 1. Account Name : XXXX XXXX XXXX XXXX. 

Amount Alleged Owed : {$8000.00} Request to Cease Communication Under 15 USC 1692c ( c ), you are hereby notified to cease all communication with me regarding this debt. Any further communication, other than those allowed by law, will be considered a violation of the FDCPA and subject to legal action.

Dispute of Debt and Reporting I dispute the validity of this debt and the accuracy of its reporting on my credit report. The Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), requires that credit reporting agencies maintain maximum possible accuracy in their reporting. If you can not provide verifiable proof that this debt is valid and belongs to me, it must be removed from my credit report immediately. 

Action Requested Provide Validation : Send me documentation validating the debt, including the original contract and payment history.

Cease Communication : Cease all further attempts to contact me regarding this debt as per 15 USC 1692c ( c ).

Update Credit Report : If the debt can not be verified, remove it from my credit report and confirm in writing that it has been deleted. 

Please consider this letter a formal dispute under both the FDCPA and FCRA. Failure to comply with these laws will leave me no choice but to report your violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Thank you for your immediate attention to this matter. I look forward to receiving your response within the timeframe required by law. 

Sincerely, 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