vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 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: FL

Complaint narrative:
noticed several discrepancies in the reporting of an account on my credit report across all three credit bureaus ( XXXX, Experian, and XXXX ). the details are inconsistent between the bureaus. Specifically : The last activity date is reported differently across the bureaus : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX These dates should be consistent as they represent the last interaction with the account. 
The account closure descriptions vary : XXXX : " Charged off as bad debt. Account closed due to transfer of balance. '' Experian : " Account closed due to transfer. Amount balance reported as a loss by credit grantor. '' XXXX : " Charged off account. Account transferred or sold. '' These descriptions create confusion about the actual status of the account and whether it was transferred, sold, or resolved. 
The payment history for this account shows a " XXXX XXXX '' status ( CO ) for multiple months, which I believe is inaccurate because the account was closed. If this account was resolved, this history unfairly reflects negatively on my credit report. 

The reported balance owed is {$0.00} across all bureaus, but the status remains " XXXX XXXX. '' If the account has been settled or resolved, this status should reflect " XXXX '' or " Settled. '' The term length is reported as XXXX  months, but it is unclear if this reflects the original terms of the agreement or if there was a modification. 

These inconsistencies are misleading, harmful to my XXXX XXXX, and do not reflect the accurate status of the account.

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 2024-11-21 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: FL

Complaint narrative:
noticed several discrepancies in the reporting of an account on my credit report across all three credit bureaus ( XXXX, Experian, and XXXX ). the details are inconsistent between the bureaus. Specifically : The last activity date is reported differently across the bureaus : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX These dates should be consistent as they represent the last interaction with the account. 
The account closure descriptions vary : XXXX : " Charged off as bad debt. Account closed due to transfer of balance. '' Experian : " Account closed due to transfer. Amount balance reported as a loss by credit grantor. '' XXXX : " Charged off account. Account transferred or sold. '' These descriptions create confusion about the actual status of the account and whether it was transferred, sold, or resolved. 
The payment history for this account shows a " Charged Off '' status ( CO ) for multiple months, which I believe is inaccurate because the account was closed. If this account was resolved, this history unfairly reflects negatively on my credit report. 

The reported balance owed is {$0.00} across all bureaus, but the status remains " Charged Off. '' If the account has been settled or resolved, this status should reflect " Paid '' or " Settled. '' The term length is reported as XXXX  months, but it is unclear if this reflects the original terms of the agreement or if there was a modification. 

These inconsistencies are misleading, harmful to my credit score, and do not reflect the accurate status of the account.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX BALANCED {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$1100.00}

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
Consumer complaint received 2024-11-21 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:
What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Consumer Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Phone : XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of the following : XXXX. XXXX XXXX XXXX  Account Number : XXXX, Balance : {$530.00}, Original Creditor XXXX XXXX XXXX XXXX  Reported : XX/XX/year>. 
XXXX XXXX XXXX XXXX Account Number : XXXX, Balance : {$220.00}, Original Creditor XXXX XXXX Reported : XX/XX/year>. 
XXXX. XXXX XXXX XXXX Account Number : XXXX, Balance : {$580.00}, Original Creditor : XXXX XXXXXXXX XXXX  XXXX, Reported : XX/XX/year>. 
XXXX. XXXX XXXX XXXX Account Number : XXXX, Balance : {$200.00}, Original Creditor XXXX XXXX XXXX XXXX  Reported : XX/XX/year>. 
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX, Balance : {$1200.00}, Original Creditor : XXXX XXXX XXXX, Reported : XX/XX/year>. 

These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of 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 2024-11-21 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:
What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Consumer Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Phone : XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of the following : XXXX. XXXX XXXX XXXX  Account Number : XXXX, Balance : {$530.00}, Original Creditor XXXX XXXX XXXX XXXX  Reported : XX/XX/year>. 
XXXX XXXX XXXX XXXX Account Number : XXXX, Balance : {$220.00}, Original CreditoXXXX XXXX XXXX Reported : XX/XX/year>. 
XXXX. XXXX XXXX XXXX Account Number : XXXX, Balance : {$580.00}, Original Creditor : XXXX XXXX XXXX  XXXX, Reported : XX/XX/year>. 
XXXX. XXXX XXXX XXXX Account Number : XXXX, Balance : {$200.00}, Original Creditor XXXX XXXX XXXX XXXX Reported : XX/XX/year>. 
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX, Balance : {$1200.00}, Original Creditor : XXXX XXXX XXXX, Reported : XX/XX/year>. 

These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of the FTC Identity Theft Criminal Complaint XXXX  XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MA

Complaint narrative:
Subject : Complaint Regarding Dispute Resolution for a Transaction ( Discover Card ) Dear CFPB Team, I am writing to file a complaint regarding the handling of a disputed transaction by Discover Bank. I believe their resolution process was inadequate and did not provide sufficient evidence to support their decision to deny my case. 

Details of the Transaction : Transaction Date : XX/XX/year> Amount : {$100.00} Merchant : XXXX Dispute Reason : I did not receive the goods I paid for ( XXXX pillows ). 

Issue : After realizing that my order was not delivered, I initiated a dispute with Discover Bank. However, their resolution was unsatisfactory for the following reasons : XXXX. Lack of Detailed Evidence : Discover provided only a tracking number with showing " delivery '' as proof of delivery but did not include crucial details such as the exact delivery location or recipient information ( e.g., who signed for the receipt on behalf of myself ). 
XXXX. Failure to Address My Concerns : Despite my explanation that I had not received the goods and had no way to verify the delivery, Discover concluded that the case was resolved in the merchants favor without providing me with sufficient evidence. 
XXXX. Unfair Denial : By relying solely on incomplete delivery information, Discover denied my case, leaving me without the product or a refund for the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Unauthorized withdrawals or charges — 
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
I have a Balance from my previous residents It is showing on my Credit that I have a balance due for XXXX which is not true, I was told it would XXXX that I would like to discuss payment plan, which I have not been given that option, this information has been reported, However when I sent to XXXX XXXX it was not resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
I tried adding my bank account information to add money to invest more into my account. Saw on the app that the app would not work in my region, even though that is not true. I went online and received an error stating that my account was locked. Ive been on hold with support XXXX separate times accumulating to a total time of XXXX hours on hold waiting to get an answer. The first time they said I needed to verify my identity, so I completed all the necessary steps given. The second time, a report was made and I was told that I would get an answer in XXXX business days. I received an email that stated that my account would remain locked. I tried again today, and was told that the report was still processing and any decision made was final. Meaning if they decided to lock my account I can not deposit or withdrawal funds. 
I was told that since I have used my husbands phone on and off to check my account and since he has a XXXX  my account was locked due to suspicious activity. But even with me providing the locations his XXXX had given, Im still being left in the dark and unsure if I will be able to get any if not just the money I originally invested out of this. I have put too much money into this to just lose it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$3800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX BALANCED {$150.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$1100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: MD

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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 2024-11-21 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: MD

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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 2024-11-21 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: PA

Complaint narrative:
Account name : XXXX XXXX XXXX Account number : XXXX I am writing to formally dispute the charge-off status that your agency has reported to my credit file, specifically regarding account number XXXX. This dispute is based on violations of the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 6802 and 15 USC 6801, which outline responsibilities for accurate reporting and consumer rights.

According to 15 USC 6801, consumer reporting agencies must maintain reasonable procedures to ensure the accuracy of the information they report. It is my contention that the charge-off reported on my credit report does not accurately reflect the status of the account in question.

Furthermore, under 15 USC 6802, consumer reporting agencies must investigate disputes promptly and ensure that any information found to be inaccurate, incomplete, or unverifiable is promptly deleted or corrected.

Additionally, I wish to point out that in the event of a charge-off, I should have received a Form 1099-C ( Cancellation of Debt ) from the original creditor, since the amount is over {$600.00}, which I have not received to date. The issuance of a 1099-C is required by the Internal Revenue Service ( IRS ) for canceled debts exceeding {$600.00}, and its absence raises concerns about the accuracy of the charge-off status reported by your agency.

I request that you conduct a thorough investigation into the accuracy of the charge-off status of the account. Please provide the following information : 1. Validation of the charge-off, including documentation showing the date of charge-off, the original creditors information, and any supporting details.

2. Evidence that the charge-off was reported accurately and within the timeframe allowed by law.

3. Documentation proving that the reporting complies with the Metro 2 format guidelines.

4. Confirmation of whether a 1099-C was issued for this charge-off and, if so, the date of issuance and the amount reported.

Until this matter is investigated and resolved in accordance with the FCRA, I request that you remove the charge-off from my credit report. Additionally, please confirm in writing that this dispute has been received and is being investigated. 

Please provide a written response within 30 days of receipt of this letter. Failure to comply with these requests will leave me no choice but to pursue legal remedies available to me under federal law. 

Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
On XX/XX/XXXX I disputed a collection in the amount of XXXX from Transworld Systems. I requested verification of my ownership of the debt in the form of a written agreement with the original creditor. As of XX/XX/XXXX I did not receive any communication from transworld systems and they continued to report the collection to the credit bureaus. On XX/XX/XXXX I called transworld systems asking for an update, in which they stated that they had not received the payment agreement from the original creditor. I requested that as per consumer protection laws, they cease attempts to collect this debt and delete their report of the debt until they can verify that the debt belongs to me. I begged that they do so because I got denied for an apartment just because of this. I asked that they also put it in writing for me that they have attempted to get a signed payment agreement and have not received it, for me to send to the apartment so I can move forward and get approved. They refused to do so. 

Transworld system has no legal verification that this debt belongs to me, yet is still continuing to report the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Southwest Acceptance Finance Co
State: FL

Complaint narrative:
I purchased a vehicle from a company called car credit. A week into having the vehicle when breaking the car would power off I brought it to the company and asked for it to be diagnosed. The company stated that theres nothing wrong with the vehicles, but they changed the rotor and the brakes the same day. I called back to complain about the servicing of the vehicle. I stated that the vehicle still while breaking the vehicle is powering off. The company took possession of the vehicle on the XXXX and remained with the vehicle to the XXXX. During that time I had to have a rental vehicle. The company is demanding payment, even though they had possession of the vehicle for 15 days I have only had possession of the vehicle for two days with no issues. I have asked that the payment be waived during this time and was met with rejection. I have asked for help with the cost of a rental and was told no. Now theyre holding the vehicle XXXX for XXXX late payment. The payment that is late is during the time that they had possession of the vehicle. I am asking for XXXX payment to be waived and possession of the vehicle to be given to me. I am asking to be released from liability of the vehicle as they are breaching lemon law and this is considered fraudulent activities.

Company response to consumer: Closed with explanation