vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: ND

Complaint narrative:
on XXXX a scammer posing as Coinbase support contacted me while I was in my Coinbase account and gained access. This scammer could do no harm as they had no access to my XXXX ( XXXX authenticator ). For unknown reason, Coinbase allowed this scammer to change my XXXX without my consent allowing the thief to transfer/steal my largest assets in less than an hour. Coinbase sent a simple e-mail notifying me of this change at XXXX XXXX, which left me no reasonable time to react. my account was emptied by XXXX. I reported this breach around XXXX XXXX. Coinbase denies any responsibility dispite taking no action to verify this highly suspicious alteration of the key security feature protecting my account. No legitimate account holder would need/want to change their XXXX to then wipe out their own account. Total of {$17000.00} current value.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: NY

Complaint narrative:
So on XXXX XXXX chime bank received a XXXX deposit from social security, but however ever time I called that day they told me they didnt receive my deposit which was a lie. I had no money for XXXX  because with chime they state that you ca. get paid XXXX days early that never happened for me so on XXXX XXXX I went too the social security office in the XXXX and they told me they sent the social security check too chime but however ever chime returned my check too social security without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: FL

Complaint narrative:
its very upsetting and left a disturbing and distaned feeling after viewing and credit report and seeing several fraudulent items on my report as a act of identity theft. XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  cards, i did not aithorize these accounts, and they were updated to my credit report without my knowledge or permission. Under 15 US code 6802, financial institutions are required to protect my personal information and under 15 US code 6803 they must inform me of thier policies to safeguard my data with a clear and conspicuous notice. these protections were not followed, allowing my information to be stolen and used. according to 15 US code 1681c-2 i have the right to block accounts related to identity theft from my credit report within XXXX days of you receiving my complaint. these fraudulent accounts are damaging my credit report and effecting my ability to purchase a home for my family. i am requesting you to remove/block these fraudulent accounts 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 non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-12-12 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: MI

Complaint narrative:
Inaccurate balances on the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This will also serve as a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish, especially being held under Federal Law Stated in The Fair Credit Reporting Act SEC 15 Chapter 1681. The Law is Clear.

Your company has violated FCRA 15 U.S.C. 1681 ( a ) ( 4 ) Congressional findings and statement of purpose. Your company have violated my rights to privacy causing me to get denials on credit applications that or needed to support the process advancing in my life.

Your company has violated FCRA 15 U.S.C. 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Which mean that your company can not furnish any of the installment loan I have listed below, and they are hereby Identity Theft accounts that need to be removed immediately.

Your company has also violated FCRA 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes to access my consumer reports, you did not have written permission of the consumer.

According to the provisions of the FCRA sec 611 ( a ) [ 15 USC 1681i ( a ) ] disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of the items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation for I have also contacted creditors listed below which have failed t even find data on me or see the same incorrect information your agency is falsely providing.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct or anyone will be able to simply fax, call or mail falsified information on an individual, in this case, me and your company do no actual work to confirm truth in record. The following information therefore needs to be DELETED, you have had more than XXXX  days to reply to my initial request for investigation, The original letter will be attached to dispel any confusion. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature if you refuse to delete a
nd call yourselves validating or verifying the information listed below.

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 2024-12-12 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: Kovo
State: TX

Complaint narrative:
On XX/XX/XXXX I made all on time payments with KOVO INC NEVER MADE ANY LATE PAYMENTS KOVO CREDIT AGREED TO REPORT TO BELOW credit bureaus a good will later as a mistake on their behalf of reporting a late payment to said credit bureaus XXXX REPORTING LATE PAYMENTS ( KOVO INC ) XXXX XXXX also has a address I do not live at XXXX XXXX XXXX XXXX XXXX Tx XXXX need to be removed Furthermore these credit bureaus have completely failed to protect my consumer rights and have been reporting inaccurate payment status that is reflecting on my personal credit report Which had dropped my score over XXXX points XXXX XXXX XXXX have fraudulent inquiries that are reporting on my personal credit report TRANSUION FRAUDULENT INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX have fraudulent accounts & inquiries that I previously disputed in which they fail to remove being im a victim of identity theft XXXXXXXX XXXX {$1900.00} XXXX XXXX XXXX  {$45000.00} Inquiries XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
It appears this alleged debt that Midland Credit is continuing to harrass me by sending letters attempting to collect this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Subject : Formal Complaint Regarding Loan Declination Process and Customer Service Dear Fifth Third Bank Customer Service Team, I am writing to formally express my concerns regarding the handling of my recent loan application and the poor customer service I experienced while attempting to resolve the matter. 

On Monday, XX/XX/year>, I applied for a personal loan with Fifth Third Bank, which was subsequently denied. While I fully understand the decision and respect the policies in place, I encountered significant challenges obtaining proof that the loan was not funded. 

On XX/XX/year>, I was approved for a personal loan with another financial institution, but they required confirmation from Fifth Third Bank that my application had been denied and no funds were disbursed. They gave me a deadline of 7 calendar days to provide this documentation. When I reached out to your customer service team, I was informed that an adverse action notice would be mailed within 30 days, but no immediate email or other form of proof could be provided. 

Despite multiple calls to your corporate office, I was unable to resolve this issue. I spoke with at least 10 representatives, one of whom hung up on me and four others who spoke to me in a rude and dismissive manner. This experience left me feeling frustrated, undervalued as a loyal customer, and ultimately caused me to miss the opportunity to secure the loan with the other institution. 

I am requesting that you review the calls I made to your corporate office to better understand the treatment I received. While I understand that policies are in place for processing adverse action notices, I believe Fifth Third Bank could have provided better customer support and a more timely solution to my reasonable request. 

As a loyal customer of Fifth Third Bank for years, this experience has severely diminished my trust in your institution. I am now actively seeking alternative banking options due to the way this situation was handled. 

I hope this feedback serves as an opportunity for improvement. Please confirm receipt of this email and advise on any further steps or actions you are willing to take to address my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2024-12-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  : # XXXX has violated my rights. I viewed my XXXX credit report on XX/XX/2024 and noticed there were things that are not accurate and incomplete. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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 non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MO

Complaint narrative:
I graduated from school in XXXX and began repaying my student loans upon graduation. I paid my student loans for 3 years before doing a federal consolidation of my loans in XXXX. Currently, my loan provider states that my repayment start date was in XXXX. I would like the date adjusted to reflect the XXXX repayment start date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I recently found that there are several fraudulent items on my ChexSystems report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and my SSN Card.

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 2024-12-12 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-12-12 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: FL

Complaint narrative:
-- - Incident Description On XX/XX/XXXX, I encountered an issue concerning my credit account with XXXX XXXX XXXX XXXX regarding the protection and sharing of my nonpublic personal information. The company 's actions appear to violate the customer privacy protections stipulated under 15 U.S. Code 6802. 

Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Az XXXX XXXX XXXX XXXX the Event - Date of Incident : XX/XX/XXXX - Involved Parties : XXXX XXXX Services XXXX XXXX XXXX XXXX TransUnion Consumer Solutions- XXXX XXXX XXXX Taken by You : - On XX/XX/XXXX, I contacted customer service, sent an email, and filed a dispute. 
- I requested the company address the following : - Notice Requirement : The company failed to provide a clear, conspicuous notice explaining their policies on collecting and sharing consumer personal information. 
- Opt-Out Right : I was not informed about my right to opt-out of having my personal information shared with non-affiliated third parties. 

Consequences As a result of the company 's actions, I experienced a significant financial loss, impacting my overall financial stability. Additionally, my credit score was adversely affected due to unauthorized transactions, leading to increased stress and concern over my financial security. This situation caused great frustration and XXXX, as I had to spend considerable time and resources addressing the unauthorized activity and restoring my credit standing. 

Conclusion and Request I urge you to address this matter promptly. To resolve the issue, I would like the company to take the following actions : 1. Correct Information : Immediately correct any inaccuracies in my personal and financial records that may have resulted from their oversight.

2. Provide Compensation : Offer fair compensation for the financial loss I incurred, as well as any additional expenses related to restoring my credit score and dealing with the fallout from the breach.

3. Ensure Compliance : Implement robust measures to ensure full compliance with 15 U.S. Code 6802 and other relevant privacy laws. This includes updating policies and practices to prevent future breaches and adequately protecting consumer information. 

Please treat this matter with the urgency it deserves to restore trust and ensure the privacy and security of all consumers.

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 2024-12-12 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: CA

Complaint narrative:
In short the company 's took more than 30 to comply with FCRA standards and there are multiple inaccuracies on my report alone with fraud which I completed FTC reports for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: Synovus Bank
State: FL

Complaint narrative:
on XX/XX/XXXX  i summited dispute with all the credit reporting agencies in regards to 3 open accounts on my credit report these accounts don't belong to me and is showing on my credit report. i have sent them information about my account with a ftc report stating that these accounts should be removed. they fail to investigate and remove these account. i have called to try to get this issues resolved but i was hung up on by different reps and 1 supervisor this is not right I'm a single mother who just had an XXXX. I'm a business owner trying to get a place to stay for me and my child. with my credit showing incorrect information on it that does not help my family this is not right.

Company response to consumer: Closed with explanation