vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 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: PA

Complaint narrative:
Request for Removal of Closed Accounts Reporting No Balance I am writing to formally dispute and request the removal of closed accounts on my credit report that are reporting a XXXX balance. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I am entitled to accurate, fair, and verifiable reporting of information on my credit file.

Upon reviewing my credit report, I noticed the following closed accounts that are inaccurately listed and are no longer relevant : According to the FCRA, any information reported must meet strict standards of accuracy, relevance, and necessity. Closed accounts with no balances have no bearing on my current creditworthiness and are, therefore, irrelevant and potentially misleading.

Furthermore, under Section 605 ( a ) of the FCRA, outdated and irrelevant information must be removed from my credit file. Reporting these closed accounts with XXXX balances serves no purpose other than to unnecessarily clutter my credit profile, which can mislead potential creditors and violate my rights as a consumer. 
I kindly request that these accounts be investigated and permanently removed from my credit report. Please provide written confirmation once the accounts have been removed or provide documentation verifying their continued relevance and accuracy. 
If these accounts can not be verified or meet the standards outlined in the FCRA, I expect their immediate removal. Failure to comply with this request may compel me to take further action to enforce my rights under consumer protection laws.

Thank you for addressing this matter promptly. I look forward to your response within the 30-day time frame allowed by 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 non-monetary relief
Consumer complaint received 2025-01-15 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: PA

Complaint narrative:
Request for Removal of Closed Accounts Reporting No Balance I am writing to formally dispute and request the removal of closed accounts on my credit report that are reporting a XXXX balance. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I am entitled to accurate, fair, and verifiable reporting of information on my credit file.

Upon reviewing my credit report, I noticed the following closed accounts that are inaccurately listed and are no longer relevant : According to the FCRA, any information reported must meet strict standards of accuracy, relevance, and necessity. Closed accounts with no balances have no bearing on my current creditworthiness and are, therefore, irrelevant and potentially misleading.

Furthermore, under Section 605 ( a ) of the FCRA, outdated and irrelevant information must be removed from my credit file. Reporting these closed accounts with XXXX balances serves no purpose other than to unnecessarily clutter my credit profile, which can mislead potential creditors and violate my rights as a consumer. 
I kindly request that these accounts be investigated and permanently removed from my credit report. Please provide written confirmation once the accounts have been removed or provide documentation verifying their continued relevance and accuracy. 
If these accounts can not be verified or meet the standards outlined in the FCRA, I expect their immediate removal. Failure to comply with this request may compel me to take further action to enforce my rights under consumer protection laws.

Thank you for addressing this matter promptly. I look forward to your response within the 30-day time frame allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 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 - {$0.00} XXXX XXXXXXXX - XXXX - {$0.00} XXXX XXXXXXXX - XXXX - {$0.00} XXXX XXXXXXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX XXXXXXXX - XXXX - {$700.00} XXXX XXXX XXXX XXXX {$0.00} XXXX - XXXX - {$390.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} XXXX  XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - {$1400.00} XXXX - XXXX - {$0.00} XXXX XXXXXXXX - XXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX XXXX  XXXX - XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX - XXXX - {$370.00} XXXX XXXX XXXX XXXX - {$330.00} XXXX XXXX XXXX XXXX {$700.00} XXXX - XXXX - {$0.00} XXXX - XXXX - {$530.00} XXXX XXXX XXXX - {$0.00} XXXX - XXXX - {$380.00} XXXX - XXXX - {$720.00} XXXX  - XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX  - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
XXXX  months ago, I was asked to verify my identity on Coinbase. After submitting both my drivers license and passport, I keep receiving errors that my DOB on these IDs don't match my profile. The guidance is to update my DOB on my Coinbase profile before I can be verified. However, there is no option to update my DOB ( you can edit all other fields except the DOB ). I've tried this across 3 different devices and all 3 show I'm unable to update this. I've been dealing with this issue for 3 months and have been in contact with customer service for about a week. No one is able to finalize my identity verification and I've tried to upload my IDs close to 20 times. In fact, one Coinbase customer service rep confirmed that my DOB on my profile matches what I've uploaded in my IDs and yet I'm still locked out. This means I'm unable to buy or sell my $ XXXX in assets. I'm now just getting repeated responses from their customer service to retry my identity verification when that's clearly not working.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had an account with XXXX XXXX for which TD Retail Card Services was the servicer. The last time I used the account was in XXXX and it was paid in full. 

On XX/XX/XXXX, at approximately XXXX pm, I received a phone call from TD Retail Card Services, Fraud Department, notifying me that someone was attempting to increase my XXXX account credit limit. I informed her that I had not made that request and this was indeed a fraudulent attempt and they should absolutely deny this request and she agreed. 

On XX/XX/XXXX, I was notified by XXXX of late payments on my XXXX XXXX account. After several overwhelming calls between myself, XXXX and TD Retail Card Services, I leaned that there was an account take-over. TD Retail Card Services informed me that this happened sometime in XXXX, and although I did receive a fraud notification call on XX/XX/XXXX, TD Retail Card Services, still went ahead and approved purchases of {$7000.00} on XX/XX/XXXX. When the account take over occurred, TD Card Services send a new card to : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. There is also a phone # ( XXXX ) XXXX. When TD Retail Card Services clearly knew this is not my identifying information, then why would they send a card in my name to an address in NC when I live in NY? 

I am still struggling to clear this mess, and it is very difficult and overwhelming. It takes so much of time to have an actual customer service person to assist you on the phone. In addition, even after speaking with someone, the problem persists. It seems like there is no end or no solution. TD Retail Card Services are making serious mistakes and enabling identify theft to persist and they are not doing anything to assist the victims. 

In addition to all of this, my credit score is continuously going down. From XX/XX/XXXX to date, my credit score decreases by XXXX points and it shows as late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: AR

Complaint narrative:
I am disputing the collection account with DISCOVERBANK, account number XXXX, dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that DISCOVERBANK provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

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 2025-01-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

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 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: OH

Complaint narrative:
Im not liable for this debt with National Recovery Agency, I do not have a contract with National Recovery Agency. They did not provide me with the original contract as I requested.

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 2025-01-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving innacurrate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: Capio Partners, LLC
State: NC

Complaint narrative:
Dear Credit Bureau Name, I am writing to formally dispute inaccuracies on my credit report. I have identified items that are not valid, including a derogatory mark that is unrecognizable and an incorrect address that does not belong to me.

Due to these discrepancies, I have taken the precaution of freezing my credit to protect myself, as I fear someone may be using my personal information without authorization.

According to the Fair Credit Reporting Act ( FCRA ) Section 605B, it is illegal to report inaccurate or unauthorized information without my consent. Therefore, I respectfully request that you remove the following : 1. The derogatory mark for Capio Partners {$520.00} opened XXXX XXXX Please investigate these items and correct or remove them from my credit report. I have included copies of my identification and any supporting documents to assist with your investigation. 

Thank you for your prompt attention to this matter. Please notify me of the results of your investigation at the address provided above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 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:
This is my 3rd Request in investigating Late Payments for Equifax. I have also requested my address to be updated. I have also call no answer. I have not received any updates. It has been more than 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: IL

Complaint narrative:
To : Consumer Reporting Agency Subject : Disputed Charge-Off Account - Request for Immediate Deletion of Unverifiable Debt Dear Credit Reporting Agency, I am writing to formally notify you regarding the outcome of a dispute I initiated concerning an account with XXXX XXXX XXXX XXXX XXXX a reported charge-off balance of {$1300.00}. This account appeared on my credit report reported by [ XXXX, XXXX, and Transunion ], and was subsequently disputed with XXXX, XXXX of the major consumer reporting agencies. 

On XX/XX/year>, XXXX completed their investigation and deleted the XXXX XXXX XXXX charge-off account from my XXXX credit report, as it was determined to be unverifiable. I request that you also immediately delete this account from my credit report, as it has now been verified as inaccurate or unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information on my credit report. Specifically, Section 1681i ( a ) of the FCRA mandates that when a consumer disputes an item on their credit report, the information must be verified or deleted within 30 days. In this case, as XXXX has already deleted the account, it is clear that the reported information was not verifiable, and your agency must follow suit and remove the account from my credit file. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) ensures that consumers are not subject to unfair practices, including reporting unverifiable or inaccurate debt on their credit files. I would like to remind you of your obligations under the FCRA and the FDCPA to ensure that the information reported is both accurate and verifiable. 

I hereby request that you review and remove the unverifiable charge-off account from my credit report within 30 days or less. If the account is not deleted within this period, I will be forced to consider further legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action under the FCRA ( Section 1681n ), which entitles me to damages, attorneys fees, and costs should you continue to report inaccurate or unverifiable information.

Please consider this letter as an official demand for the deletion of this account. I look forward to your prompt compliance with this request and expect your response within the next 30 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 non-monetary relief