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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is not my account my personal information was breached and I was a victim of ID theft. 

I reached out to XXXXXXXX XXXX and they investigated the situation and informed me that that account was fraudulent and provided me with a letter informing that they were deleting this account from my credit profile. Please see attached document. 


XXXX 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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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. 

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

XXXX5 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
I dont believe the account reporting on my credit report is valid

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Spring Oaks Capital, LLC
State: OR

Complaint narrative:
I dont believe the account reporting on my credit report is valid

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I verified my credit report and I found several inaccuracies on my account. This account is hurting my ability to obtain credit. I will need the you will investigate these items for me to ensure accuracy. The item is : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I verified my credit report and I found several inaccuracies on my account. This account is hurting my ability to obtain credit. I will need the you will investigate these items for me to ensure accuracy. The item is : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
I opened a Coinbase account in XX/XX/2021. Since then, I've had issues accessing my account, encountering several loops whenever I tried. 

Miraculously, I was finally able to access my account this week. I attempted to sell my holdings and withdraw money, but Coinbase wouldn't allow it. They informed me I would receive an email confirmation of the withdrawal, which never arrived. However, the option to trade on the exchange remains available. I tried to add my payment methods several times, but noticed Coinbase routinely removed my details. I couldn't update my phone number on my account either. 

When I managed to add my debit card as a payment option, Coinbase claimed withdrawals could be instant. Yet, when I executed the transaction, the money wasn't transferred instantly, and I didn't receive a confirmation email. It seemed they were determined to keep my money on the exchange no matter what I tried. When I attempted to call Coinbase, I was redirected to a help page without speaking to a human. I also encountered issues with their app. 

In short, Coinbase appears intent on preventing users from closing their accounts or withdrawing their funds after liquidating assets on the exchange. I have attached documents showing various disclosures from Coinbase. The promised instant withdrawal feature never occurred, and email notifications for withdrawals were absent. Furthermore, I couldn't close my account without updating my phone number, a task Coinbase made difficult with tricks and traps. As a result, I have sought assistance from the CFPB to recover my funds through withdrawal ( as it's instant ) then account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: GA

Complaint narrative:
I AM A VICTIM OF XXXX XXXX PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 605C. I AM ALSO A VICTIM OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX SEND ME A COPY AND CPFB.

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 2024-11-16 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documentation and a letter from an advocacy group assisting me due to XXXX XXXX-related debt bondage, which qualifies as XXXX under the Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX and XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX  and debt bondage, and I request that all listed accounts be blocked and deleted. Please delete the following accounts from TransUnion : XXXX XXXX  XXXX # : XXXX XXXX : {$7400.00}

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 2024-11-17 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: TX

Complaint narrative:
I have asked that these accounts be removed from my credit. No knowledge of them! 
XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: OH

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  XXXX. Account # : XXXX XXXX XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2024-11-16 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: OH

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX. Account # : XXXX XXXX XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person sha
ll 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2024-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear XXXX, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX, located at XXXX XXXX Way XXXX XXXX, WA XXXX XXXX regarding deceptive and unfair practices related to a car loan I obtained in XX/XX/XXXX. The loan was secured through Capital One, with my daughter acting as a co-signer, and it has resulted in significant financial hardship for both of us due to the dealership 's misleading practices. 

In XX/XX/XXXX, I applied for a loan to purchase a vehicle from XXXX XXXX XXXX XXXX The dealership pressured me into having my daughter co-sign the loan, despite my reservations. They misrepresented the condition of the vehicle, stating it had only " minimal damage, '' when in fact the car had been involved in a severe accident with substantial damage. This misinformation led me to purchase a vehicle that was not as represented. 

Moreover, the loan company charged me the full Manufacturers Suggested Retail Price ( XXXX ) for a XXXX vehicle, despite the fact that I was purchasing it in XXXX. The dealership refused to negotiate the price and insisted on charging me the full rate as if the vehicle were brand new. This resulted in monthly payments that were nearly {$1000.00}, most of which were applied to interest, putting me under significant financial strain. They knew my ex had left with my vehicle and I was in a desperate situation. 

Upon reviewing the final loan documents from Capital One, I discovered that my daughter had been listed as the primary borrower, contrary to the agreement we had signed. This error created legal and financial complications, as I was unable to file for bankruptcy to address the loan. Had I pursued bankruptcy, my daughter would still have been liable for the full balance, due to her being listed as the primary borrower. 

After more than XXXX years of struggling with the loan, I was able to negotiate a reduction in payments. However, despite making significant payments, I still owe {$47000.00}, even though I have already paid off more than {$17000.00}. The current value of the vehicle is less than {$10000.00}, and I am unable to refinance the loan. Additionally, if I return the vehicle voluntarily, the loan company will pursue my daughter for the remaining balance, which seems both unfair and unjust. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter, as the practices employed by XXXX XXXX XXXX XXXX  and Capital One have caused significant financial harm and appear to violate fair lending and consumer protection laws. I respectfully seek guidance on how to resolve this situation and address the undue financial burden placed on me and my daughter. 

Please let me know if you require any additional documentation or information. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: PA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$590.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$300.00} XXXX XXXX XXXX - XX/XX/XXXX - {$120.00} XXXX - XXXX - XX/XX/XXXX - {$930.00} XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$520.00} XXXX - XXXX - XX/XX/XXXX - {$12000.00} INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 2024-11-16 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: SC

Complaint narrative:
I AM A XXXX XXXX XXXX XXXX PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA XXXX. I AM ALSO A XXXX OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.

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 2024-11-16 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: GA

Complaint narrative:
Dear CFPB, I am writing to bring to your attention a matter concerning the inaccurate reporting of a bankruptcy on my credit report. 
On XX/XX/year> I requested verification of a bankruptcy from the court associated with the following case : - Bankruptcy Case Number : XXXX However, the court informed me that they do not provide any verification or information directly to credit bureaus. Despite this, the credit bureau in question updated my report to reflect that the bankruptcy was verified within 30 days of my request, without providing any supporting documentation or evidence of the verification. 

I subsequently provided this information to the credit bureau, emphasizing that the court does not issue verification for bankruptcy filings. Despite my efforts to resolve this matter and the evidence I submitted, the credit bureau has failed to remove this inaccurate bankruptcy entry from my credit report. 

This situation has caused me significant distress and has impacted my creditworthiness. I believe this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I kindly request your assistance in investigating this matter further and ensuring that the credit bureau complies with the law by removing the inaccurate bankruptcy entry from my credit report. 

Thank you for your attention to this serious issue. I look forward to your response.

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 2024-11-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Diverse Funding Associates LLC
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau ( " CFPB '' ), I am filing this complaint against Marcadis Singer P.A. ( Marcadis ) and XXXX XXXX, XXXX ( DNF ) for willful violations of the Fair Debt Collection Practices Act ( FDCPA ), the Florida Consumer Collection Practices Act ( XXXX ), and other applicable laws. 

Marcadis and XXXX engaged in unfair and deceptive practices by filing a frivolous lawsuit against me, falsely alleging that I owe a debt of {$7000.00}. The lawsuit was signed by XXXX XXXX XXXX, a debt collector, who has no legal standing to sue me. Despite my repeated requests, neither Marcadis nor XXXX has provided proof of ownership or a valid chain of title for the alleged debt. Their actions constitute unlawful and deceptive practices under state and federal law. 

Furthermore, prior to these actions, I never provided consent for either Marcadis or XXXX to contact me. Their actions constitute an intrusion upon my seclusion and an infringement of my right to privacy. They unlawfully obtained and used my identifying information without my knowledge or lawful consent. 

Under duress and intimidation, I was coerced into making payments totaling {$800.00}. They threatened harm if I did not comply with their frivolous lawsuit. This coercion, combined with their refusal to provide proper documentation, has caused me significant emotional distress, humiliation, and financial harm. 

I demand that Marcadis and XXXX immediately refund the {$800.00} collected through their unlawful practices and cease all further collection efforts. I will no longer participate in this illegitimate proceeding and will pursue legal action for the violation of my rights under applicable laws. 

Please see the attached documents supporting this complaint. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX All Rights Reserved Without Prejudice, UCC 1-308

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 2024-11-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MI

Complaint narrative:
The debt collection agency I.C. System Inc is attempting to collect a debt but is not license within the state I live in to collect this debt. I currently live in the State of Michigan.

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 2024-11-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
inaccurate information begin reported with inquires

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 2024-11-16 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: Sequium Asset Solutions, LLC
State: WA

Complaint narrative:
I XXXX XXXX am filing this FTC Identity Theft Affidavit to report 1 separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent account consist of Sequim Asset Solutions XXXX This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief