vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I called and requested that the remove these unknown inquiries. I also provided them with my FTC report from 2022 and updated report from this year in XXXX showing I have been a victim of identity theft after being robbed at XXXX XXXX. They have removed any of the inquiries.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I called and requested that the remove these unknown inquiries. I also provided them with my FTC report from 2022 and updated report from this year in XXXX showing I have been a victim of identity theft after being robbed at XXXX XXXX. They have removed any of the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I wrote a check for {$580.00} on my biz account # XXXX to my family acct # XXXX. My wife and I both write checks on both accounts. When she deposited my check in our family acct, my check was declared fraudulent. Our family account was frozen and has remained frozen to this day, XX/XX/XXXX. 
3-4 days later, when I tried to buy groceries with our debit card, and it was/and is declined. We had sizable balances in both accounts. Why? It was a mystery. I visited our branch. They couldnt explain it. It took two visits to discover that the check Id written wasnt on my acct. Here is what we found. 
The new checkbook, printed by XXXX XXXX, which is the company the bank recommends, has misprinted the checks. ALL have my name and biz name, but some of them properly have my account at the bottom right ; and others have someone elses account number # XXXX, not mine. Thus, the fraudulent check I wrote was written from my checkbook, on someone elses account. Ive visited the branch every other day, presented the checkbook, explained the problem, answered all their questions, with no relief. Companies are auto-withdrawing, and being declined. We had one deposit for {$1700.00}, and another for $ XXXX. The account received our deposits, but wont allow us access. Biznesses are charging us late fees. Our insurance company threatens to cancel us. We can not get access for our church tithes, groceries, bills, even family XXXX gifts. The branch employees are courteous, but have no authority. Since XX/XX/XXXX weve been told investigation will require 2-4 weeks. We are being treated like criminals. No investigation is necessary. Theyve seen the misprinted checkbook. Ive offered to let them freeze the amount of the check. The only thing theyve done is replaced the checkbook. However, they wont honor the checks I would write on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} late XXXX days XXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX XXXXChargeoff XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance XXXX XXXXChargeoff XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance XXXX XXXX-Chargeoff XXXX XXXX  Date opened XX/XX/XXXX Balance -Chargeoff XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX XXXXChargeoff XXXX XXXX XXXX Original creditor : XXXX XXXX. XXXX Date opened XXXX XXXX, XXXX Balance {$4300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-17 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

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 2024-12-17 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: TN

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXXe is being reported incorrectly on my Experian, XXXX, and XXXX accounts. 

They are reporting payments to XXXX XXXX XXXX  on XX/XX/XXXX. They are also reporting the account has been transferred and no longer collectable by XXXX XXXX XXXXXXXX. They are reporting the vehicle was repossessed XX/XX/XXXX, that date is incorrect the vehicle was sold at an open auction XX/XX/XXXX. The terms reported by XXXX XXXX XXXX are also incorrect. They are reporting a 4 month term. XXXX XXXX XXXX doesnt have a contract with me. i contacted the credit bureaus for the last two years about this account. it remains on my credit report and per - 15 U.S. Code 1601 this is a violation of my rights

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls undeXXXX XXXX  according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2024-12-17 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

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 2024-12-17 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-17 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXXX 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

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 2024-12-17 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: CA

Complaint narrative:
I have already filed a complaint with the three credit bureaus regarding negative items on my credit report. However, my complaint was ignored, and I was wrongfully accused of using a third party to submit it, despite providing my personal information. I want to make it clear that I personally submitted the complaint. If my complaint is disregarded again, I will pursue legal action against the bureaus for violating my rights. Additionally, I demand compensation for the damage they have caused to my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

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 2024-12-17 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: TN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-17 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: MA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-17 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: FL

Complaint narrative:
I reviewed my Consumer Report and noticed that i had late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks

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 2024-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
The aaset is XXXX on the coinbase exchange. I bought XXXX XXXX ( XXXX ) on the XXXX o of XXXX XXXX at XXXX XXXX which at that time the automatic stake option had been active to which I had no idea prior to purchase. According to coinbase the aaset in question doesn't have any wait time to XXXX stake XXXX however once the aaset gets staked then the staked asset page shows it will take 2 days to XXXX stake which is not true. You can note the screenshots provided. The staking asset page also says the earning frequency ( EST ) is 5 days however when you go into the aaset the staking page will show you the time I purchased the aaset which was XX/XX/scrub>XXXX XXXX XXXX  the status shows completed, reward status ( Not yet Earning ) and the earning begins ( EST ) XXXX XXXX XXXX the problem I have had is that I was told by coinbase engineering team that there was a " KNOWN '' ISSUE with this asset XXXX they were aware of and said they have been working on it. Its been a month and I have been led around by every customer agent and no action has been taken to resolve my issue. Also, the staking asset says i cant XXXX stake the balance which is at this moment XXXX until cardano starts earning which today is the XXXX day the aaset should start its earning balance and I should also be able to XXXX stake the asset. As of this moment I still have no option to XXXX stake the aaset and coinbase has been absolutely no help and continues to mislead me by telling me its going to take several more days AFTER waiting the XXXX days to XXXX stake the aaset. They are very misleading in there staking rewards as you can tell from the attached screen shots.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-17 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am refiling this complaint to WELLS FARGO. I am writing to re-appeal that you block the following false information from my credit report. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

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 2024-12-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.

Complaint narrative:
Account was closed for non activity ( even though I had sent faxes and letters to head office to reactivate account on several occasions ( but nothing was done ) over a long period of time ). 
The monies were apparently surrendered to the the state ( unclaimed properties dept ), but they have no records for my account. 
The bank no longer has any information on my file and can not access it. 
The bank was also charging me a XXXX $ XXXX per month charge for a couple of years for an inactive account but never reactivated account even though letters were faxed and sent by mail to reactivate account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: VA

Complaint narrative:
I purchased this vehicle from XXXX XXXX XXXX in XX/XX/XXXX. By XXXX XXXX, it was discovered that the vehicle had over {$8000.00} worth of pre-existing damage that I was unaware of at the time of purchase. This has placed an extreme and ongoing financial burden on me. 

This is the second vehicle financed through Westlake Financial for my husband and me, and unfortunately, both vehicles have proven to be defective, causing my family significant XXXX XXXXXXXX, and financial hardship. 

In addition, Westlake Financial has been repeatedly calling my job and my home, further compounding the stress and disruption in my life. Today, on XX/XX/XXXX, I received a call from a representative named XXXX. His behavior was unprofessional and insultinghe raised his voice and attempted to offer to compensate by moving a payment to the back of the loan. This was not only inappropriate but also dismissive of the fact that the vehicle has over {$8000.00} in damage and is not financially feasible for me to maintain. 

I have communicated multiple times with Westlake Financial, making it clear that I am unable to continue with this vehicle. The ongoing harassment through calls to my workplace and home is unacceptable and must cease immediately.

Company response to consumer: Closed with explanation