vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
TRANSUNION crossing the line with false verification

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 2023-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: VA

Complaint narrative:
My situation is very simple. I am a protected XXXX veteran who used Chime Financial whose services are ran through XXXX XXXX  and XXXX. I received my XXXX compensation as well as my job which is commission based as my funding source. My account has {$21000.00} in my checking account. Most was formerly transferred to my savings to my checking account by Chime themselves. I received an email saying that my accounts were closed and Ive contacted their customer service numerous times. The replies that i have been receiving has been nothing but automated responses. They have not made any effort to inform me on the cause of my account closure and refuse to give me my funds. I have filled a complaint/review through the XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, 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 have already sent a letter to XXXX, XXXX, and TransUnion Credit Bureaus on XX/XX/2023, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The three Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023. Specifically, the fraudulent items on my credit report includes credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution.

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 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have already sent a letter to XXXX, Equifax, and XXXX Credit Bureaus on XX/XX/2023, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The three Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Specifically, the fraudulent items on my credit report includes credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I was in a car accident and was taken to the hospital the debt that they are trying to collect from me was covered by my insurance and was paid in full. i was not seen at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Lvnv Funding unlawfully acquired my personal information from a nonaffiliated 3rd party without my consent or a court order. They are furnishing negative information to my consumer report which damaging my reputation and affecting my credit worthiness. Im demanding LVNV Funding to cease and desist all communication in reference to this alleged debt with me and all consumer reporting agencies pursuant to 15 USC 1692c ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, 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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian continues to report display closed accounts To have a negative impact on my credit profile Ive asked that these accounts be deleted if closed and paid off to avoid loss of points on my credit score The account is XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/ Status Paid, Closed. 
Status updated XX/XX/ Theres no reason to keep this inquiry on my credit profile when Ive asked to remove it They said it has been validated which I didnt disagree to the validity but this is no debt owed So there is no reason to continue to display it

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 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian regarding their stall tactic and failure to investigate my dispute. I have made several attempts to resolve this matter directly with Experian, but their lack of responsiveness and disregard for my concerns have compelled me to seek assistance from your esteemed organization. 

On XX/XX/2023, I submitted a dispute to Experian regarding the incorrect reporting of my name. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to conduct a prompt investigation into consumer disputes and provide a timely resolution. However, despite providing all necessary documentation and following the proper procedures, Experian has not taken any meaningful action to address my concerns. 

Since filing the dispute, I have made multiple attempts to contact Experian 's customer service department, but I have experienced prolonged hold times, automated responses, and vague assurances that my case would be resolved soon. These stall tactics have caused unnecessary frustration and delayed the resolution of my dispute, which has had a negative impact on my financial well-being. 

I firmly believe that Experian 's conduct in handling my dispute goes against the spirit of the FCRA and the principles of fair and accurate credit reporting. I am seeking the intervention of the Consumer Financial Protection Bureau to ensure that Experian fulfills its legal obligations and conducts a thorough investigation into my dispute without further delay. 

I kindly request that the Consumer Financial Protection Bureau launch an investigation into this matter, urge Experian to promptly address my dispute, and take appropriate actions to ensure they comply with the FCRA. Additionally, I would appreciate any guidance or assistance you can provide to help me resolve this issue and ensure the accuracy of my credit report. 

Enclosed with this letter, please find copies of all relevant documents, including my initial dispute letter, correspondence with Experian, and any other supporting evidence. 

Thank you for your attention to this matter. I eagerly await a swift resolution and appreciate any assistance you can provide in rectifying this situation. Please do not hesitate to contact me if any further information is required. 

Yours sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Complaint against XXXX XXXX XXXXXXXX. Claim number XXXX and XXXX Against XXXX XXXXXXXX XXXX Customer Advocate XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX This is his email. 

Against NJ banking and Insurance XXXX XXXX XXXX DOBI ) on XX/XX/XXXX. XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Her email is XXXX XXXX Coinbase support case number XXXX on XX/XX/XXXX. XXXX from Coinbase Customer complaint officer ( XXXX ) have responded back to me that he also got a complain letter from NJ Banking and insurance and will resolve the issues directly with DOBI and he closed a case on me. 


Dear Sir or Madam : I am a victim of fraud from Coinbase wherein my money was taken by Coinbase through a wire transfer from XXXX XXXX XXXX. Money was sent from my XXXX XXXX  XXXX personal checking account. 

On XX/XX/XXXX for {$55000.00} On XX/XX/XXXX for {$25000.00} On XX/XX/XXXX for {$50000.00} Total of {$130000.00} I initially filed a fraud complaint against XXXX XXXXXXXX XXXX with the New Jersey Department of Banking and Insurance. Upon investigation by the NJ Division, it was proven by XXXX XXXX XXXX that MY MONEY WAS TRANSFERRED BY WIRE TO COINBASE. I also have proof to show that Coinbase has received the funds. 
However, I have requested Coinbase to return my funds and Coinbase is fraudulently holding my monies and is refusing to return the amount of {$130000.00} deposited by a wire transfer. The funds were wired : My account is with XXXX XXXX XXXXXXXX. From XXXX XXXX XXXXXXXX, I transferred the funds to XXXX XXXXXXXX XXXX which holds the funds for Coinbase. In sum, I am a victim of fraud either from XXXX XXXX XXXX or Coinbase or the XXXX XXXXXXXX XXXX ; they are playing the blame game with me and I am getting nowhere. I respectfully urge a full investigation of the fraud which is being perpetrated upon me in this matter. I can be reached at XXXX XXXX XXXX. Please feel free to contact me if you need any further information. Thank you for your help and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXXXXXX

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 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
I am a XXXX working in the XXXX XXXX since XXXX. Before that I was in XXXX, XXXX XXXX and the XXXX working since XXXX. 

I respectfully request your assistance to have several trade lines removed from my credit profile. Capital One and XXXX XXXX, in behalf of Capital One is reporting a charged off account for me which were opened by a XXXX party without my knowledge or consent. I have made a good faith effort to resolve the issues with the bank and with the Collection Agency During a routine security clearance check in XXXX, the listings were discovered. I have been attempting to resolve this with companies since last XXXX, XXXX. 

I will lose my job if I dont have my security clearance restored. 

I am including my permanent address in Maine ( were my XXXX  lives ), along with my drivers license for XXXX and XXXX showing I have lived in XXXX and XXXX full calendar since XXXX. 

Please advise who I can call to resolve this. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the 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 non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$120000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$120000.00} XXXX XXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$120000.00}

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 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$120000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$120000.00} XXXX XXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$120000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of this item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$49.00XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : $ {$2100.00} ; XXXX XXXX XXXX Balance XXXX {$120.00}.

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 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$49.00} XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : $ {$2100.00} ; XXXX XXXX XXXX Balance XXXX {$120.00}.

Company response to consumer: Closed with non-monetary relief