vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 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: PA

Complaint narrative:
I am writing to follow up on my previous complaints regarding inaccurate and unauthorized negative accounts on my credit report. Despite my repeated requests for their removal, these items remain unresolved. This situation is unacceptable, as it not only violates my rights as a consumer but also reflects poorly on your agency 's compliance with legal obligations.

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 2024-05-07 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:
PLEASE BLOCKED AND REMOVED I assert firmly that it is unjust for me to shoulder responsibility for these fraudulent 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 2024-05-07 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:
PLEASE BLOCKED AND REMOVED I assert firmly that it is unjust for me to shoulder responsibility for these fraudulent 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 explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Coinbase, Inc.
State: KY

Complaint narrative:
I received a credit card in the mail from Coinbase. I havent open an account with them. The name listed as the account holder on the card is XXXX XXXX XXXX, XXXX isnt my middle name. It is impossible to reach a customer service person at Coinbase, they ask for the phone number associated with the account, but I dont know it, due to it being opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: IN

Complaint narrative:
I have opened an smart checking account with US Bank with a promotion code over phone. But later after meeting the required criteria, bonus was not credited... I dialled up customer service and informed about the issue. They informed me that there was no promotional code was applied to my account. After insisting, they said will raise a request with research team and asked me for the code which was used. I told as it was over 3 Months, But on insisting I gave them a code which I could find on internet, and said it might be the code. They informed me that a ticket was created with research team. After a week I dialled the customer service again but they informed me that request was denied as it does not meet date criteria in which account was opened. So I asked them to check if it was some other and trace it call records as I opened the account through phone banking and use that promo cod. But they denied saying they can not check that call records and bank denied me with promotion bonus even after meeting the required criteria. As per the promo code, I was eligible for {$500.00} bonus. They denied taking any further request to look into the issue.

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 monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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 Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

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 2024-05-07 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: TN

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: IL

Complaint narrative:
It's required by FCRA 605B that we remove any incorrect accounts from my credit report. Would you please review the documents? Some of the listed accounts are inaccurate in terms of reporting. I should receive {$1000.00} for each inaccurately reported item on my credit file

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 2024-05-07 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.

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IN

Complaint narrative:
I have been trying to access and pay on my account for over a month. Every time I try, the system says info is bad and tells me to call. I call them and I get passed around between customer service reps and placed back in queue multiple times because they claim their system is not working. This has been going on for far too long. And there has been no wider communication from Nelnet about system failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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:
PLEASE BLOCKED AND REMOVED Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Didnt get permission to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: LA

Complaint narrative:
I have recently been in the market for a new vehicle. After checking my report I noticed inaccuracies. I reached out with letters and disputes for verification of the debts and to remove accounts that are reporting inaccurate information to my account numerous times, which is destroying my credit profile. I am looking for this to be resolved and removed 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 2024-05-07 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: LA

Complaint narrative:
I have recently been in the market for a new vehicle. After checking my report I noticed inaccuracies. I reached out with letters and disputes for verification of the debts and to remove accounts that are reporting inaccurate information to my account numerous times, which is destroying my credit profile. I am looking for this to be resolved and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
The company canceled my debit card without my permission. I received no notification or anything really. I had to figure it out on my own when my card was rejected at the store. I cant access my money. When I called they said they canceled it and sent me a new one. One did not arrive after 2 weeks of the cancellation as they assured me. I still havent received a card and I cant use my money. I asked for a new one to be shipped but have no idea of the status. I had to reach out to customer service to be told that a new card should arrive in 2 additional weeks, leaving me without access to my funds for over a month. Customer service informed me that I do have access to it digitally so my access isnt a legitimate problem. I cant buy gas.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: FL

Complaint narrative:
I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THIS FRAUD ACCOUNT. DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT BY LAW. 

XXXX XXXX ACCOUNT : XXXX IS FRAUD AND THE CREDITOR AGREED TO DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. 

THE ACCOUNT BALANCE IS {$7500.00} AND I NEVER KNOW ANYTHING ABOUT THIS CARD. 

DELETE THIS FRAUD CARD FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I reviewed my credit report XX/XX/2024 and found unusual activity on my report. To my finding there were hard inquires. On XXXX XXXX, 2024 I contacted XXXX and spoke to an agent by the name of XXXX who told me that he could not support with removing the falsified inquires. That same day an FTC report was made for fraud, see attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
CFPB Complaint : Credit Resource Management - Debt Validity Dispute I. Introduction I am filing a complaint against Credit Resource Management ( CRM ) regarding the validity of a debt they are attempting to collect. This complaint disputes the assignment of the debt and the validity of the trilateral agreement. 
II. Parties Involved Complainant : [ XXXX XXXX XXXX ] Debt Collector : Credit Resource Management ( CRM ) III. Dispute I am disputing the validity of this debt for the following reasons : Assignment of Debt : I have not received any verification of the debt assignment from the original creditor to CRM.

Trilateral Agreement : I have not received a copy of the trilateral agreement between myself, the original creditor, and CRM. 
Belated Debt : ( Optional - Only include if applicable ) I believe this debt is past the legal statute of limitations for debt collection in my state.

IV. Request I request that Credit Resource Management : Cease all collection efforts until the validity of the debt is established.

Provide verification of the debt assignment from the original creditor.

Provide a copy of the trilateral agreement.

Investigate the validity of the debt based on the statute of limitations in my state.

V. Additional Information ID and Proof of address VI. Closing Thank you for your time and attention to this matter. I look forward to your prompt response and a resolution to this dispute. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have made multiple requests to Midland Credit Management to show proof that this company did purchase a charged-off credit card debt from XXXX XXXX XXXX XXXXXXXX XXXX This company claims that the debt was acquired in XX/XX/XXXX. As the Consumer Financial Protection Bureau ( CFPB ) has fined MCM as much as $ XXXX in the past for fraudulent collections, my case is no different. All that MCM has is an electronic transfer of information, not a legally assigned purchase of a debt. I demand that this collection of {$780.00} be expunged immediately, and that the collection be immediately removed from all XXXX pertinent credit reporting agencies. The $ XXXX settlement from MCM to the CFPB is stated as follows : Encore Capital Group, Midland Funding, Midland Credit Management, and Asset Acceptance Capital Corp . 
On XX/XX/XXXX, the Consumer Financial Protection Bureau ( Bureau ) filed suit in federal district court in the Southern District of California against Encore Capital Group , Inc., and its subsidiaries, Midland Funding, LLC ; Midland Credit Management , Inc. ; and Asset Acceptance Capital Corp . The companies are headquartered in XXXX XXXX, California and together comprise the largest debt collector and debt buyer in the United States, with annual revenue exceeding {$1.00} XXXX and annual net income exceeding {$75.00} XXXX. Encore and its subsidiaries are currently subject to a XXXX consent order with the Bureau based on the Bureaus previous findings that they violated the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Reporting Act. The Bureau alleged that Encore and its subsidiaries have violated the terms of this consent order and again violated the FDCPA and CFPA. On XX/XX/XXXX, the court entered a stipulated final judgment and order that requires Encore and its subsidiaries to pay {$79000.00} in redress to consumers and a {$15.00} XXXX civil money penalty. The settlement also requires Encore and its subsidiaries to make various material disclosures to consumers, refrain from the collection of time-barred debt absent certain disclosures to consumers and abide by certain conduct provisions in the XXXX consent order for five more years. 
Accordingly, I demand that MCM as well as XXXX XXXXXXXX XXXX  XXXX. be sanctioned and fined for this fraud against an American consumer. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Timely payments are always a priority for me, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or they will be liable to pay me {$1000.00} for each account reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
apparently somebody opened a credit card account under my name on XX/XX/XXXX, and closed it on XX/XX/XXXX that account has a balance of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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:
After speaking to CFPB, I am asking for resolution on the following issues : 1. Why do you have the same information as XXXX, never late and balance on credit is very close to matching, yet your score for me is XXXX vs XXXX with XXXX. I want all three bureaus to be on the same page and I should not be penalized by one when info is the same. 
2. It says that not having a mortgage, or more than the revolving accounts I have, is hurting my credit. So, because I pay cash for my car, I rent my house and I do not want 20 credit cards, you are punishing me with a lower score. I have no late pays on any account ever, I have XXXX open credit cards that I pay down often but never max out and I have other credit cards that because balance was XXXX, they closed them. I should not be penalized for not wanting to get more or pay interest on a mortgage when I can afford not to. 
XXXX. Overall, you could not tell me why my credit score is XXXX given excellent payment history with XXXX lates, I manage my credit cards making large payments often and I do have revolving accounts both open and closed, only because they close them when paid off. You are penalizing me for no reason, you do not match XXXX in score with the same data, that is crazy and should be looked at. This is impacting my life negatively and that is not accurate or fair. 

My score should be very high based on actual credit history, all three bureaus should be nearly the same score when info is the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: NY

Complaint narrative:
I am writing to dispute the matter referenced to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. 
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of this alleged debt, nor therefore any such debts exists. 

Furthermore, I request that you update your records accordingly to reflect my dispute and cessation of communication. I trust that you will handle this matter with the utmost urgency and professionalism. Failure to comply in a timely manner may result in legal action being taken against Experian.

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 2024-05-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Timely payments are always a priority for me, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or they will be liable to pay me {$1000.00} for each account 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