vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-17 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: NC

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING

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 2024-11-17 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I've sent correspondences to the agency to VALIDATE the debt over 30 days ago and they have failed to do so. I also mention that correspondences have been filed in XXXX XXXX Court of Records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am currently in the process of repairing my credit, and in order to protect my personal and financial information, I would greatly appreciate it if you could place a freeze on my credit report until further notice. As I work with a credit repair service, freezing my credit report will help prevent any unauthorized access and ensure that no new credit inquiries or accounts are opened during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
This is a follow up complaint to XXXX filed on XX/XX/year>. I also filed a compliant with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas Attorney General, complaint number is XXXX on XX/XX/XXXX. 

Flagstar findings determined that there could be possible fraud. They say that since I am not on the loan I am not privy to this information. The loan modification was processed using my information fraudulently. I am a victim of identity theft. CFPB who is protecting my rights. 

I am attaching the affidavit that Flagstar asked me to submit. Is this contradictory? Although I am not on the loan how will this affidavit be used?

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 2024-11-18 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I paid XXXX my credit card balance of {$17.00} debited from my bank account on XX/XX/year>. Recently I received a second bill from them recharging the original {$17.00} again and a late charge of {$2.00}. My payment was in fact a XXXX  days late according to my bank debit, but the recharge of the original amount in my opinion is outrageous. They say their terms are noted in their agreement.. yes.. who reads the small type, but these terms in my opinion are abusive. 
I paid their outrageous bill to avoid further abuse, but ask that they reimburse me the duplicate charge of & XXXX. I agree to the late fee Of course I will not do business with XXXX again

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
XXXX XXXX I was interviewing for a sales job via XXXX  with XXXX  with XXXX XXXX. During the interview they expressed that I would need to get training to start working with them. They mentioned that affirm would provide a scholarship for the training and would be paid back once I completed their program. They kept reassuring me that I wouldnt have to pay out of pocket. I never knew a loan would be made in my name because I was never hired. I have been receiving calls from affirm about a {$7500.00} loan in my name. My credit score has been affected & debt collectors are calling. Fraud has been committed by the scaling with sales llc because I never opened a personal loan with affirm. I was under the impression that I was applying to a work from home position but was subjected to paying a loan that I wasnt aware of. I found that multiple people have also fell victim to this companies schemes and advise others to avoid this company at all costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: LA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute and request verification of the debt reported by your company to the credit bureaus, as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The details of the alleged debt are as follows : Creditor Name : Rent Recovery Solutions Reported Amount : {$3100.00} I do not recognize this debt and request that you provide the following information to verify its validity : - Detailed Account Information with my original signature - The original creditors name and contact information. 
- A complete breakdown of the debt amount, including any fees, interest, or other charges added. 
- Documentation showing that Rent Recovery Solutions has the legal authority to collect this debt in Louisiana - Copies of the original lease agreement, itemized charges, and any related documentation that substantiates the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: SC

Complaint narrative:
These are the accounts that I have ask XXXX, XXXX, and Transunion to remove from my report because they do not belong to me. Ever since all 3 bureaus has had a data breach to where my information that they are supposed to keep safe and not let anyone pull my credit or place anything on my credit has been hack and now everyone has my information. These accounts and inquiries need to be validated if not validate correctly it needs to be removed as soon as possible from my credit. I need the original purchase agreement for debt, Insurance claim of the debt, the XXXX with the original creditor, and the statute of limitations and last payment missed on the debt if this was my debt. These are the Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 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: SC

Complaint narrative:
These are the accounts that I have ask XXXX, Equifax, and XXXX to remove from my report because they do not belong to me. Ever since all 3 bureaus has had a data breach to where my information that they are supposed to keep safe and not let anyone pull my credit or place anything on my credit has been hack and now everyone has my information. These accounts and inquiries need to be validated if not validate correctly it needs to be removed as soon as possible from my credit. I need the original purchase agreement for debt, Insurance claim of the debt, the XXXX with the original creditor, and the statute of limitations and last payment missed on the debt if this was my debt. These are the Collection : 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
Consumer complaint received 2024-11-17 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: LEXISNEXIS
State: NC

Complaint narrative:
The items below are inaccurate and violate the Fair Credit Reporting Act 15 USC 1681e ( b ). Additionally under 15 USC 1681b ( a ) ( 2 ) you have shared my confidential information without my permission, breaching my privacy rights as per 15 USC 1681 a 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 explanation
Consumer complaint received 2024-11-17 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: OH

Complaint narrative:
XX/XX/XXXX Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA XXXX accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX {$83.00} XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
I have an active account with XXXX for my XXXX phones. I faithfully pay my bill, I'm never late and always on time. This debt on my credit says I owe XXXX on a charged off account. I have no charged off accounts with XXXX so I'm confused. I am not in debt to 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 2024-11-18 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: NV

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

Personal Info Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Previous Address : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX Previous Address : XXXX XXXX XXXX XXXX, XXXX  XXXX Previous Address : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX  XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX Employers : XXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX Employers : XXXX XXXX collection/charge off XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX CARD XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX  XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XX/XX/XXXX {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$5500.00} XXXX XXXX  XXXX XX/XX/XXXX {$200.00} late payment XXXX XXXX XX/XX/XXXX {$2100.00} credit inquiries XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: NC

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE REPORTING

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: NC

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE REPORTING

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 2024-11-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
This XXXX XXXX  XXXX debt was not owned by me. I attempted to get hold of XXXX XXXX XXXX at the beginning requesting they get rid of this debt as it was not mine. I have a phone with XXXX and I informed them. I did not have a phone with XXXX XXXX XXXX niether an account to where i owe XXXX. They ignored my request by phone. I then requested proof of debt. They did not answer my request.

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 2024-11-17 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2024-11-18 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: CA

Complaint narrative:
I submitted a letter in writing and signed affidavit that I am a victim of XXXX XXXX. I sent a 605c and it was denied by Experian for credit block adverse info that was caused by this tragedy. They replied stating the organization that confirmed my situation was not on their list. Its a government organization so I dont see why they dont recognize it as such

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 2024-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Hi, I've been a Coinbase customer for many years and have $ XXXX worth of crypto in my account. My account was under manual review for weeks now, with no further action communicated to me, or contact to me from Coinbase. 

There are only 2 options Coinbase provided. One is a virtual assistant that basically only says your account is only review and automatically closed the chat. Another is a call option but the wait time is 4 hours. 

I work at XXXX XXXX XXXX in the XXXX department so I'm very familiar with the regulations. In fact, I worked with the XXXX this year on account restrictions. 

Bottom line is Coinbase can not restrict customer 's accounts for months and years. 

Coinbase communicated via a pop up that the account review should only take 1-2 days but so far it's been weeks. 

I am happy to verify my identity but this restriction must be lifted on my account soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: ME

Complaint narrative:
I have currently an active Apple XXXX  card through Goldman Sachs. I have not had access to this credit card since XXXX of XXXX. 

I am unable to add the credit card to my digital wallet or activate the physical card. I have spend over XXXX hours on the phone with XXXX and Goldman Sachs and now over a year trying to have them fix it. I have multiple emails and cases that have been opened. After all of this I still have no resolution or access to my credit card. They have provided no updates, no information on whats wrong or any information on whats being done to resolve the issue. 

They have done hours of trouble shooting on my phone. Ive sent in multiple diagnostic reports, screen shots and video recordings. We have gone through XXXX IOS iterations and Ive used multiple devices. This has nothing to do with my devices and everything to do with XXXX and Goldman Sachs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: CL Holdings LLC
State: WA

Complaint narrative:
I am disputing a collection account that appears to be the result of fraud and identity theft. This account was transferred without my consent, violating my rights under 15 USC 6802 of the GLBA, which requires that I receive full disclosure before any transfer or sharing of my private information. The original creditor failed to provide this disclosure, and I did not authorize this debt or the collection agencys handling of my information. 

I have filed an Identity Theft Report with the FTC, revoked any consent to possess, use, or share my private information, and requested immediate deletion of this fraudulent account from my credit file. 
Furthermore, I am requesting that this account be removed within 4 business days under 15 USC 1681s-2 ( 6 ) ( B ), as its continued reporting suggests an attempt to extort payment for a debt that I do not owe, violating the FDCPA. The collection agency has failed to provide verification that they are legally authorized to collect this alleged debt.

Company response to consumer: Closed with explanation