vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 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: FL

Complaint narrative:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!

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 2024-01-31 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: FL

Complaint narrative:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!

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 2024-01-31 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: MO

Complaint narrative:
Experian now closed 13 complaints in a matter of minutes AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-01-31 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-01-31 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-01-31 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: DISCOVER BANK
State: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Recovery Management Solutions LLC
State: OH

Complaint narrative:
Recovery Management Solutions has contacted another member of my household more than once. According to the Fair Debt Collections Act, they can only do this once. They have left more than one voicemail to that same person. I also do not have any written documentation of the debt that I allegedly owe to RMS, or a confirmation that I have an obligation to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
To whom it may concern ; I have a problem with coinbase account. I moved back to XXXX from USA for almost three months. Before I moved back here. Ive already contacted about using account in XXXX. They said I can continue using the account in XXXX so I didnt close it out. Then when I'm in XXXX, I tried to login to my account multiple times. They keep asking me to verify my XXXX ID with address and bank statement to prove my country of residence. Ive already sent everything for them ( my case number is # XXXX ) but I still cant login to my account. I need to sell my crypto and withdraw my fund. Its been almost 3 month that i cant login to my account. Ive contacted them via XXXX XXXX and email since XX/XX/2023. I also read online and see that a lot of people have the same problems like me without any reasons. I think the coinbase company locked my account and others so they can withdraw the funds by themselves. Please help me from this scammer. I invested around {$14000.00} but not sure how much left with the market price now. Let me know if you need more information. Appreciate!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX VIN Number : XXXX XXXX NOTICE for requested documents Company is illegally attempting to repo the vehicle, they were ordered to Cease and Desist Harassment Pursuant to 15 U.S.C. 1692d

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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:
I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal 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 2024-01-31 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: GA

Complaint narrative:
I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal 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 2024-01-31 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: IL

Complaint narrative:
I Have XXXX inquirys on my report with Equifax not only thats I have been harmed of the data breach Ive filed ftc reports and police reports. i noticed unauthorized inquiries on my report or noticed someone applied for something in my name. 
according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: MO

Complaint narrative:
Experian thinks by flooding the system with XXXX ridiculous explanations that have absolutely nothing to do with the problem, THIS PREDATORY COMPANY STILL WORKING ON THIS ISSUE WHILE CLOSING XXXX OTHERS THAT ARE THE SAME PROBLEM AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-01-31 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I paid my XXXX payment a few days early at the end of XXXX. Citi bank marked my account 30 days late and dropped my credit score XXXX points.

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 2024-01-31 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: MO

Complaint narrative:
Experian only lies and steals money and payment history. As usual I was notified about disputes ready to view and of course there not, PLOY TO ENGAGE AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Affirm has violated FCRA rule, 611, section A Affirm has violated FCRA rule, 623 Affirm has continuously reported my financial history with their company incorrectly, and failed to adhere to the federal rules and regulations of reporting consumer credit history. Several guidelines have been violated in my case. The section below will explain in depth. 



Affirm originally charged off my accounts between XX/XX/XXXX, and XX/XX/XXXX. After that time, they obtained an agreement with XXXX XXXX XXXX agency, and sold my account to that specific company to collect on the debt. This was never reported to the credit bureaus at any point. Originally on XX/XX/XXXX, again on XX/XX/XXXX & XX/XX/XXXX ( Letter Receipts Attached ) I disputed this matter with the credit bureaus and never heard any response from the credit bureau or Affirm on this matter. Then on XX/XX/XXXX, Affirm decided to adjust the amount owed on my account to reflect the payment that I made to the collection agency XXXX XXXX. At this time Affirm was still in violation of my rights and violating the agreement that was made with the collection agency to settle for a lesser amount in order to have the account reported fully paid and settled ( Agreement and Payment Receipt Attached ) I called Affirm and discussed this matter and my case was not resolved but closed and dismissed. ) Affirm violated FCRA rule, 611 by not changing the status of my account with the credit bureau to a disputed status After 30, 60 or even 180 days of my original dispute. That is a clear violation of FCRA rule 623 on several occasions. They also did not adjust the amount of the charge off to a XXXX balance, according to US tax code 166.. 



If Affirm does not remove account numbers : XXXX XXXX XXXX XXXX XXXX From my XXXX credit report immediately I will be filing a civil suit in the XXXX county clerk of courts on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Timely payments have been a constant on this account, and I have never been overdue. I'm unclear about the reasons behind reports of late payment remarks on my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have been paying this account since XXXX. Every month I log in and review the payment and check the balance and interest paid amounts. There has been no update on the account and after I called them the payoff amount they provided was {$400.00} more than what is displayed on the site. I downloaded the statements and none of them show a growing balance, or how the interest is getting paid towards the loan. It's as if my payments that are coming out of my checking account are going nowhere. I've reached out to them to explain this to me, but they only want to talk over the phone even after I've repeatedly asked for a breakdown of the monthly payment so I can see the interest and principal breakdown- you know, like every other loan/credit card company I have ever worked with, but this has been futile with this 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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My mortgage company RUSHMORE SERVICING ( loan no. XXXX ) had corrected an error in delinquency, but it seems they use third party company named NATIONSTAR/MR COOPER that just recently posted a delinquency for same account ( XXXX ). Attached are the letters I received from RUSHMORE SERVICING which you will also find in my profile. 
Please help with this issue as it affects my credit by a huge deduction in points. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: CA

Complaint narrative:
My mortgage company XXXX XXXX ( loan no. XXXX ) had corrected an error in delinquency, but it seems they use third party company named XXXX XXXX that just recently posted a delinquency for same account ( XXXX ). Attached are the letters I received from XXXX XXXX which you will also find in my profile. 
Please help with this issue as it affects my credit by a huge deduction in points. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
My Ford car lease expired on XX/XX/24. I had been trying for weeks to either extend my car lease for an additional few months, or get another lease. I was not getting anywhere with obtaining an order number for a new car lease, so my car salesman ( who my family has been using for years ) was now solely working on obtaining an order number for an extension on the lease. I followed up with him daily to see how it was going with the order number and he said they were having extreme trouble getting order numbers in general for all customers. I sent in a personal check for another month for the car lease of my usual {$310.00} to Ford credit company and they cashed it on on XXXX I have always done auto pay so I have never paid for a payment over the phone or via mail ( you can check as I have never had a late payment in my life ). This entire situation has been very confusing as I do not understand why Ford would not give me an order number to extend the lease. I work XXXX jobs, pay my bills on time, my family and I have been loyal customers for years on end at Ford, and I tried my absolute hardest to obtain an order number for the extension. On Sunday the XXXX, I woke up to an email from XXXX regarding a past-due balance and that my credit score was negatively affected. This has been very upsetting because I am in the process of moving out and my credit score is now going to be a factor in if I get approved or not. My credit score has been a steady XXXX. This one missed payment brought down my score XXXX points. Again, I have never missed a payment ever in my life especially regarding the car lease. I am outraged that Ford would/could affect my credit score by - XXXX points. This is truly impacting my life in the worst way, adding extreme stress and frustration. I called Ford credit company and they told me they couldn't help me, but would escalate to the supervisor. This conversation occurred on Monday. I asked to be transferred to the supervisor, but I was told the supervisor will call me back as a ticket has been put into the system. It is now Wednesday the XXXX and I still have not heard from them. Ford did not provide me with a number to the supervisor either, so I can not even follow up with her/him.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I accessed the Innovis website to sign up for an account and credit report. I accurately completed the personal particulars form, verifying my identity. The website posted an error, stating that my phone number was not available to use for authentication. I tried the same method with the other two phone numbers associated with my credit reports and I received the same errors. I called Innovis to report the problem and I was that they can not help. They would not provide my credit report using a secure digital platform. The representatives offered to send a report via mail, which is not a secure method and which may lead to lost credit report and identity theft. A secure, digital platform needs to be offered to consumers, seeking the information held by all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
MCM consistently calls and hangs up the phone first thing in the morning. Anytime I answer " Hello? '' the call ends, yet they are calling everyday and hanging up. This is disgusting and harassing. I don't even know why you're calling me because you don't even have an actual human being on the other end of the phone to explain the purpose of the calls. 

This has been going on for weeks and is very harassing. I need for MCM to cease all communication with me due to the harassing crank calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
They received my account and have been calling requesting payment from a bill that I never opened through them. Repeated calls from different numbers.

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 2024-01-31 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-01-31 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: NY

Complaint narrative:
After taking a look at my credit profile I notice some hard inquiries that do 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 2024-01-31 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After taking a look at my credit profile I notice some hard inquiries that do 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