vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-03 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: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"

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 2024-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Financial is incorrectly reporting my former auto loan with a charge off amount of over XXXX to all 3 credit bureaus. There was an accident and the car was deemed totaled so my insurance company sent payment to Ally in exchange for pink slip. This account was settled for less than the full balance.

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 2024-07-03 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I purchased appliances through XXXX XXXX and was offered a 12mo deferred interest credit card via XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) for said purchase. The card and all of its associated information/documents arrived, and the first bill & documents arrived shortly thereafter. The billing due date is listed as the XXXX of every month. 
I emailed the company requesting a due date change to XX/XX/XXXX ( inquiry # XXXX ) requesting a due date change to the XXXX of each month and was emailed back 'the billing service did not allow that '. 
I subsequently phoned on XX/XX/XXXX to speak to a live agent to ask for and request the processing of this request. Again, I was told this was not allowed. 
I resorted to reading ALL of my documents to find where it was written that I could not request/receive a due date change and there is nothing written/documented, that was sent to the consumer, indicating a due date change is prohibited. 
On XX/XX/XXXX ( inquiry # XXXX ) another email request for due date change, also annotating that their card documents Do Not state this request is prohibited was sent. The response was 'call customer service ' On XX/XX/XXXX I phoned customer service, was again told that this is not a task that will be done, the system does not allow it, AND that fact does not have to be disclosed to the consumer. 
I'm not asking for a lesser payment, loan forgiveness, and any type of balance reduction. I'm simply requesting a payment due date change to the XXXX of every month to accommodate my payroll cycle. It's XXXX, in the world of technology, with a consumer who Wants to pay their bill, how is this not possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: NJ

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 non-monetary relief
Consumer complaint received 2024-07-03 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: NJ

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 2024-07-03 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: NY

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so XXXX  that I have to go through all this and I wouldnt even be able to afford a XXXX for that because my cards will just get declined due to my credit score being low with all these wrong information.

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 2024-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have made XXXX wires to a XXXX nonprofit 's bank XXXX XXXXXXXX XXXX  ) this year through my bank, Citibank, this year. I feel Citibank is not honest about fees and overcharging us. 

On XX/XX/XXXX I wired XXXX XXXX XXXX  ( {$2100.00} ), but only XXXXXXXX XXXX XXXX  were received by their bank. 

On XX/XX/XXXX I wired XXXX XXXX XXXX  ( {$17000.00} ) and what arrived was XXXX XXXX XXXX 

On XX/XX/XXXX I wired {$2500.00} and their bank received {$2300.00} before they took out more fees. 

On XX/XX/XXXX I wired {$1000.00} and their bank received {$980.00} before they took out more fees. 

Citibank charges me {$27.00} for each wire ( separate from the amount I wire ). I called Citibank upset because they do not disclose additional fees before the funds are received by the receiving bank. Citibank told me these are intermediary bank fees, but they could not disclose how they are determined. The intermediary bank fees are also not disclosed when I make a wire. I feel like I am being cheated by Citibank, which is not honest about all the wiring fees and should be reimbursed for these fees taken, which would go to orphan scholarships.

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 2024-07-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc.
State: CA

Complaint narrative:
*IMPORTANT* As I have stated NUMEROUS times, I have an external XXXX  wallet to withdraw my funds to. So why are my tickets here being closed out as if I am trying to withdraw to my bank? 

Coinbase has disabled my ability to withdraw my money. 

Coinbase has decided to freeze my account and will not allow me to withdraw my funds from the " vault '' on their website. I got most of my money except for the XXXX XXXX from it, which is a few grand, they will not release. I opened a complaint a couple of months ago and coinbase said nothing is wrong with the account, and that i can withdraw it anytime, and closed the complaint, WHICH IS NOT TRUE. REF - XXXX When logging in, it brings up a page saying they closed the account and to withdraw funds. Whenever trying to withdraw them to another XXXX  address, it freezes on " Loading '', all after typing the XXXX  XXXX code and the receiving address. No information was requested as coinbase stated, instead they gave just a couple day window to withdraw and I was not home at the time. That is unrealistic. PLEASE FIX THIS ISSUE. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I discovered several addresses that do not belong to me on my credit report, including XXXX XXXX  XXXX XXXX XXXX, GA XXXX. I have listed the names and also the account listed on my credit reports that I have added to the FTC report that Does Not Belong to me as well.

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 2024-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
It shows that a collection from Florida light and power is on my credit, this account does no belong to me and I'm a victim of identity theft. 

Date : XXXX. XXXX, 2023 Your Name : XXXX XXXX Your Address : XXXX XXXX XXXX XXXX XXXX XXXX City, XXXX, Zip : XXXX, FL XXXX Dispute Department : XXXX XXXX XXXX Name : XXXX Address : XXXX XXXX XXXX XXXX, State, Zip : XXXX, MA XXXX To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Fraudulent Accounts : Collection Account Name : CSC COLLECTIONS When Account Was Open : XXXX. XXXX, 2023 Amount : {$61.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: FL

Complaint narrative:
On XX/XX/XXXX i concluded an agreement with XXXX XXXX to bring my account current, merchant stated a payment of {$130.00} is required. Payment processed on XX/XX/XXXX by merchant, I was notified that same day that the account was charged off sent to collection. Contacted merchant said an error was made account will be retrieved once payment poste. XXXX bank created check XXXX XXXX to debit my account posted on XX/XX/XXXX. From there is been an tireless fight with XXXX XXXX as amount was never credited to my account, in addition to illegal fees charged. Dispute with collection agency and XXXX XXXX credit investigation team that found proof of payment. Account retrieved from collection XX/XX/XXXX after numerous complaints. Sent to XXXXXXXX XXXX cards team to apply payment. Cares team denied payment was made, closed the account and its been an infernal fight, applied more fees and charged-off the account for non-payment. Account disputed with Equifax in XXXX, investigation closed as reporting correct. Was advised by XXXX that they will soon update my profile due to information received from Equifax account status. Had a 3 way call in XXXX with XXXX XXXX XXXX XXXX XXXX  requested cancellation number : agent said no cancelation number existe, only a note from an agent saying transaction cancelled. XXXX reopened investigation that concluded that the check was cashed by the merchants XXXX XXXX  ( letter attached ) XXXX XXXX  continue to deny payment without producing any proof of cancellation, falsely reporting account states as late when current and charge excessive fees for. On payment while payment was made in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have discovered an address and an account listed on my credit report that does not belong to me. I have listed the account and the address on the FTC report. The information listed does not belong to me.

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 2024-07-03 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: AZ

Complaint narrative:
Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX PD and CFPB. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed with Arizona supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for full 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 non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
Police Report XXXX XXXX XXXX XXXX XXXX  and FTC Identity Theft Affidavit ( XXXX XXXX XXXX ) are attached. From the filed police report : Subsequent to the incident outlined in Report # XXXX, there is an additional fraudulent charge of {$10000.00} on XXXXXXXX XXXX  ending XXXX. The transaction took place through PayPal and the money was sent to an individual ( XXXX XXXX XXXX XXXX XXXX  The transaction was categorized under 'Consulting Services ', however I never spoke to XXXX XXXX XXXX received any products or services from this person. Additionally, according to the transaction ( XXXX ), the 'Ship to " recipient is XXXX XXXX XXXX XXXX and the address is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The demographic information differs significantly from my own and I have no association with either this person or address. I was told by a PayPal representative that a 'Stolen Instrument ' report had been filed, but I received no further information on that action. 

Reporting agency XXXX Police Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: NJ

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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: TX

Complaint narrative:
The company continues to deny my request for specific methods used to verify correct information for each point requested. 
1. Verification Method : Please outline the specific methods or procedures used by TransUnion to verify the accuracy of information reported on a credit file. For instance, do you contact the creditor directly, use automated systems, or rely on third-party verification services? 
2. Details of Contact : For any recent verification related to my credit file, please provide the following details : o Whom did TransUnion speak with? Please provide the name and title of the individual or department contacted at the creditor 's office. 
o Phone Number Dialed : Please specify the phone number used by TransUnion to contact the creditor. 
o Nature of Conversation : Outline the content and specifics of the conversation, including any information exchanged or verified. 
o Date and Time of Call : Provide the exact date and time when the verification call was made. 
I am making this request under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), which ensures that reported information is accurate and verifiable. Understanding the verification process is crucial to ensuring the integrity of my credit file and the information reported therein. The company is reporting payment activity on accounts creditor has closed and deemed a loss. Charged off accounts should NOT include an active payment history. This incorrect reporting not only provides misleading information to creditors and lenders but also falsely manipulates the statute of limitations. This situation has not only impacted my credit score but also violates my rights under fair credit reporting laws. This is a violation of the FCRA fair and accurate credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ON MY XXXX ACCOUNT # XXXX IT WAS CLOSED IN XXXX WITHOUT MY AUTHORIZATION I REASON TO BELEAVE EQUIFAX HAD SOMETHING TO DO WITH IT I FILED A DISPUTE ON THE XX/XX/XXXX THRU A XXXX DISPUTING SYSTEM THE DATES WASN'T REPORTING CORRECTLY WITH ALL XXXX CREDIT BAREAUS AND THEN ON XX/XX/XXXX I GOT A EMAIL SAYING MY ACCOUNT CLOSE BECAUSE OF E-OSCAR THE DISPUTING SYSTEM THE CREDIT BAREAUS THE NEXT DAY. UNDER 15 USC 1691E IF A CONSUMER USES CONSUMER LAWS TO FIX HIS CREDIT REPORT IF A CREDIT REPORTING AGENCY TAKES ADVERSE ACTION AGAINST ME AND CLOSE MY ACCOUNT IS CLASS ACTION CASE ON WHAT PURPOSE CANT GET FUNDING FOR MY BUSINESS I GOT A LLC FINES UP TO A MIUMMIUM OF {$500000.00}. I GOT PROOF OF THE ADVERSE ACTION AGAINST ME IF IT CONTINUES WILL RESULT IN LEGAL ACTION TO THE CONSUMER REPORTING AGENCY AND WHEN THE CONSUMER REPORTING AGENCY GOT THE ACCOUNT CLOSE THERE IS MISSING INFORMATION ON THE REPORT ON EQUIFAX WEB SITE IT'S NOT SHOWING NO INFORMATION UNDER 15 USC 1681I PROCEDURE IN CASE OF A DISPUTED ACCURACY A INCOMPLETE CREDIT REPORT IS A VIOLATION OF MY CONSUMER LAW RIGHTS A CREDIT REPORT POST TO BE ACCURATE AND COMPLETE. UNDER 15 USC 1681-1681X UNDER THE FAIR CREDIT REPORTING ACT THE CONSUMER REPORTING AGENCY VIOLATED MY RIGHTS THEY TOOK ADVERSE ACTION AGAINST THAT ALONE SHOULD REMOVE THE CLOSE ACCOUNT FROM THE REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: DE

Complaint narrative:
Could you please eliminate these inquiries? I am not aware of them, and the company acted without my PERMISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX, someone applied for a XXXX XXXX XXXX XXXX under my name. I was notified by my banks and various credit bureaus. I got in contact with XXXX XXXX and they said they would cancel the application and remove it within 60-90 days off my credit report ; I then followed up by contacting the credit bureaus to report the fraud and up the security on my all credit under my name. I then called the Sheriffs department to report the fraud. I am very worried about this because it could get much worse.

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 2024-07-03 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: NC

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 response to consumer: Closed with explanation